Health Insurance for High BMI

What is the Healthy BMI for an Individual?

To understand healthy and unhealthy BMI, one should be aware of the range of their BMI. If your BMI is

Health Risks for High and Uncontrolled BMI

Uncontrolled or high BMI leads to endless lifestyle diseases. Being equipped with insurance coverage for obesity treatment can help you in medical emergencies occurring due to high BMI. The lifestyle diseases that occur due to high BMI are-

• Heart Diseases and Stroke
• Type 2 Diabetes
• Cancer
• Gallbladder Disease
• Arthritis
• Gout
• Sleep Apnea

It has been observed that not only youngsters but also adults can fall prey to the diseases mentioned above due to high BMI, so all those adults should secure themselves with Care Freedom- Health insurance for obese adults. This plan would ensure to stand by your side and help you financially during any medical emergency.

What Causes High BMI?

Causes of obesity are plenty, but there are a few common causes that one needs to keep a check on. Following are some of the most common and contributing factors that are necessary to prevent obesity:

• Genetics: The distribution of fat could also be influenced by the genes from the parents. In this case, even if you exercise and turn food into energy, control your appetite and burn calories, you would still have body weight due to genetics. If obesity runs in the family, there could also be a reason that they have similar exercise and eating routines.
• Lifestyle Choices: An unhealthy and sedentary lifestyle leads to weight gain, as an imbalanced diet doesn’t involve fruits and vegetables but just fast food and junk. Inactivity also has much to do with obesity, as consuming more calories daily is more straightforward than burning them off by performing daily chores and exercises. Moreover, alcohol and other calorie-dense drinks like sugary soft drinks can also contribute to weight gain.
• Certain Medications and Health Conditions: High BMI or obesity in some individuals could be linked to specific health conditions such as Prader-Willi syndrome, Cushing syndrome, etc. Besides health conditions, certain medications, such as anti-seizure medications, antidepressants, beta-blockers, diabetes medications, and antipsychotic medications, cause weight gain in case of no activity.
• Other Factors: Apart from the factors mentioned above, other factors directly affect your health and weight. These include withdrawing from smoking, sleep deprivation or lack of sleep, pregnancy, and stress. You can make healthy changes to your overall lifestyle, from exercise to diet.

Understanding Health Insurance for Individuals with High BMI

If you are someone who has been living a life without eating mindfully or leading a sedentary lifestyle, you are most likely to experience high levels of BMI. An imbalanced lifestyle takes a toll on millions of people yearly as it calls for lifestyle diseases such as diabetes, high BMI & hypertension, directly resulting in critical illnesses such as heart strokes.

High BMI and health insurance are correlated as the treatment cost of diseases caused by high BMI can exhaust your savings if you don’t have a financial backup. At Care Health Insurance, we aim to lower the economic loss of individuals with specific pre-existing ailments. Your health status cannot deter you from opting for a health plan to access quality healthcare services at leading network hospitals. 

We introduce "Care Freedom"- High BMI Medical Insurance, a unique, sought-after  BMI healthcare insurance as it provides financial freedom to patients undergoing expensive treatments and speeds up their recovery.

Features of High BMI Healthcare Insurance

Care Freedom—Health insurance for high BMI features a complete healthcare shield that meets all the medical needs of obese people. Our plan presents an exhaustive range of health coverage plans. The BMI Healthcare feature in Care Freedom is intended to provide dedicated and reasonable healthcare coverage, which includes:

• Cashless Healthcare Facility: At Care, you enjoy the advantage of our cashless network of over 21600+ healthcare providers, wherein you can quickly settle your treatment claim without emptying your pockets.
• No Pre-policy Medical Check-ups: Under Care Freedom, you don't need to undergo any pre-policy check-ups before availing of the insurance benefits. No matter your age or health problems, you can issue the policy without any delays in medical checks.
• Automatic Recharge of Sum Insured: You can relax knowing that your basic sum insured will be automatically recharged under Care Freedom so that you or other insured members can use it for further claims.
• Life-long Renewability: You can quickly renew your policy for lifelong coverage per the applicable policy terms.
• Free-look Period of 15 days: With the Freelook facility, you get 15 days to check the policy details thoroughly and file an easy return in case of any dispute.

Health insurance for high BMI patients is indispensable in an era when lifestyle diseases threaten people. Care Freedom safeguards your savings and shares the burden of hospitalisation in contingencies.

How is the Cost and Coverage of Health Insurance for High BMI Decided?

The cost of coverage for high BMI health insurance is decided based on certain factors, including coverage amount, risk appetite, and the insurance provider. Here are some of the key pointers:

• Higher Premiums: People with high BMI usually experience higher premiums due to the high risk of conditions such as diabetes, heart disease, etc.
• Limited Coverage: Some policies involve limited coverage for obesity-linked treatments or exclude weight loss programs.
• Pre-existing Condition Clause: High BMI is a pre-existing condition that may impact the type and scope of coverage or come with a waiting period clause.
• Health Programs and Discounts: Some insurers offer wellness programs that help decrease premiums by facilitating weight management, exercise, and healthier practices.

How Does BMI Affect Insurance Premiums?

BMI directly affects insurance premiums by offering insurance service providers an assessment of a person's risks. Here are the factors that impact premiums:

• High BMI is linked to higher risks of severe conditions, causing increased medical costs, which are mirrored in insurance premiums.
• During the underwriting process, insurers may modify premiums depending on BMI, considering it an indicator of possible health issues.
• Some insurance service providers offer discounts for partaking in weight management programs, enabling compensation for the higher premiums associated with a higher BMI.
• Insurers may restrict coverage for those with a high BMI due to the perceived risks, which can also influence the premium cost.
• BMI-related premiums may rise with age, as older people with high BMI are at considerable risk for health complications.

What Does High BMI Health Insurance Cover?

The Care Freedom plan covers the following medical and non-medical benefits:

In-patient hospitalisation

We cover all hospitalisation expenses when you are admitted for at least 24 consecutive hours. Under the in-patient benefit, we pay for everything from room charges to doctor's fees and operation theatre charges.

Day Care Treatment

With Care, you get medical coverage for over 540 day-care treatments across our network hospitals. Patients can undergo therapies, dialysis, and other disease-specific treatments without a financial crunch.

Pre and Post-hospitalisation

Only tests and diagnoses often reveal serious ailments that need further hospitalisation. Medical insurance for diabetic and BP patients includes pre- and post-hospitalisation coverage to minimise medication expenditures, follow-ups, and more.

Ambulance Cover

With Care Freedom, you get reimbursement for your expenses on the ambulance service required to take the insured patient to the hospital. This is a valuable benefit that is appreciated by lots of our customers.

Domiciliary Hospitalisation

Diabetes, high BP and imbalanced BMI cause worse agony during old age when the patients need at-home care the most. Domiciliary hospitalisation covers expenses for at-home treatment of patients from merited hospitals, subject to policy terms.

Consumable Allowance

Apart from treatment costs, consumables like medical equipment, admission kits, housekeeping items, etc., can cumulate to a burdensome amount. We offer all-inclusive health insurance for diabetes in India that reimburses consumable services like transportation, hospital facilities, etc.

Automatic Recharge

You don't need to worry if your claim amount exhausts your health plan's coverage limit. Under Care Freedom, you can rest assured that the base sum insured is automatically recharged so other insured members can use it for future claims.

Discounts on Premium

With Care Freedom, you can choose a long-term medical policy and get heavy discounts. You can enjoy discounts of up to 10% on multi-year policy terms.

Thus, obesity treatment insurance coverage will ensure peace of mind as you will be covered for medical emergencies related to your high BMI.

What Does High BMI Health Insurance Not Cover?

Certain circumstances are not included in the covered occurrence under the diabetes health insurance plan. Below are some exclusions of Care Freedom insurance for high BMI patients:

• 24-month waiting period for certain conditions, such as joint replacement surgery, osteoporosis, gout, arthritis, etc.
• Medical costs incurred for any illness within the initial 30 days after the start of the policy period.
• Any procedure resulting from or linked to pregnancy, miscarriage, birth, maternity, abortion, or any of these procedure's complications
• Charges associated with the expense of regular dental treatments, dentures, dental implants, and any other dental conditions
• Treatment for any genetic diseases, illnesses, congenital disabilities, anomalies, and exterior congenital malformations
• Treatment for psychological disorders, stress, or mental illnesses