Medical Underwriting Tool
BMI Underwriting Impact Calculator
Calculate your BMI according to World Health Organization (WHO) and Indian IRDAI life underwriter medical parameters.
Why do Indian insurers check Body Mass Index (BMI)?Underwriters use BMI as a baseline indicator of cardiovascular risk, metabolic syndrome, and diabetes susceptibility. A healthy BMI qualifies you for instant tele-issuance and non-smoker discounts.
172 cm
130 cm (4'3")170 cm (5'7")210 cm (6'11")
70 kg
40 kg75 kg150 kg
< 18.5Underweight
18.5 - 24.9Normal
25 - 29.9Overweight
> 30.0Obese
Underwriting Evaluation
Calculated BMI Score:
23.7Normal Weight
Impact on Your Premium:Standard Insurance Rates: 100% preferred pricing, zero medical loading, eligible for instant paperless issuance.
Normal BMI unlocks best tier health & term rates
Zero medical checkup up to 45 years for normal BMI