SBI Life Insurance: Do you know that your Body Mass Index or BMI plays a big role in deciding the amount that you could pay towards your insurance premium. If you know it, you can have a rough estimate about your insurance premium. BMI is a ratio of weight and height. This ratio is used to classify whether a person is underweight, overweight or obese. In other words, BMI can be defined as the weight in kg divided by the square of the height in metres.  

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SBI Life insurance: How do you calculate BMI? 

There are different ways to calculate your BMI using online BMI calculators for men and women. All you have to do is enter your height and weight. Also, you can input either your height or your weight, and it gives out the ideal figures for the other two. 

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The SBI Life Insurance Company on its website has given a detailed explanation to calculate it. You can calculate your BMI in any of the 3 ways: 

The BMI calculation formula = Weight of the person (in kg)/(Height of the person)2 (in m2) 

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1) A BMI which is less than 18.5 signifies you are underweight. 

2) A BMI between 18.5 and 24.9 is normal for a healthy adult. 

3) A BMI that is between 25 and 29.9 signifies that you are overweight for your height. 

4) A BMI that is beyond 30 indicates that you are Obese. 

5) BMI of either of the gender is not significantly different, however it is seen that the BMI of men is higher than women. 

BMI affect on your insurance premiums: BMI signifies how healthy you are. Higher BMI indicates that you are more susceptible to coronary heart diseases and other illnesses like diabetes and other weight-related diseases. This means medical treatment and medication would cost more, thereby increasing insurance premiums.