Health Insurance for High BMI

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- Your lifestyle significantly affects your health. An unhealthy diet and sedentary lifestyle lead to weight gain, as an imbalanced diet doesn’t involve fruits and vegetables but just fast food and junk. Inactivity also has to do a lot with obesity, as consuming more calories daily is easier than burning 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. Inactivity can result in arthritis as well, which can cause weight gain. Besides health conditions, certain medications can also lead to weight gain if there is no activity while consuming medications such as anti-seizure medications, antidepressants, beta-blockers, diabetes medications and antipsychotic medications.

Other Factors- Apart from the factors mentioned above, other factors directly affect your health and weight. Factors such as withdrawing smoking, sleep deprivation or lack of sleep, pregnancy and stress. These factors can be taken care of once you start making healthy changes to your overall lifestyle, from exercise to diet.

BMI Health Insurance

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

Features of BMI Healthcare Insurance

Care Freedom- Health insurance for high BMI features a complete healthcare shield that meets all the medical needs of overweight individuals and diabetic and hypertension patients. Whether you face an emergency or require routine consultations, it covers all the standard medical expenses for treating these pre-existing diseases.

Key features of BMI health insurance include:

Cashless Healthcare Facility: At Care, you enjoy the advantage of our cashless network of over 24800+ 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.
• 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.

Care Freedom is an absolute protective cover for your finances when caring for someone with a high BMI and other lifestyle-related health conditions. Health insurance for high BMI patients is indispensable in the era where lifestyle diseases have become a threat to people. It safeguards your savings and shares the burden of hospitalisation in times of contingencies.

What Does BMI Health Insurance Cover?

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

In-patient hospitalisation

We cover all the expenses for hospitalisation when you get admitted for a minimum of 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 comes with pre and post-hospitalisation coverage to minimise your expenditure on medications, 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 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 with automatic recharge of the base sum insured, other insured members can utilise 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 BMI Health Insurance Cover and 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