Will body building increase my insurance premium?
I've heard that losing weight decreases premium.
Total Comments: 4
Posted: Thu Aug 25, 2011 10:46 am Post Subject:
Well, the fact is that most health insurance companies use Body Mass Index as one of the major determiners of premium rates.
Though, this was primarily meant for the rising obese population in America, it counts the body builders too, who also have higher BMI.
As, BMI is the crucial calculator of premiums for health insurance and it can’t tell apart (technically) a healthy body builder from an otherwise unhealthy obese person, it may account for increased premiums.
Posted: Thu Aug 25, 2011 01:04 pm Post Subject:
I've come to know that the body builders occasionally use certain injections that are applied on greyhounds to increase their muscle mass.
Does it increase their risk potential in the eyes of the insurer? Can you state a preferable BMI range?
Posted: Fri Aug 26, 2011 05:23 am Post Subject:
There have been reports about some bodybuilders, who are misusing L-carnitine injections meant for greyhounds for increased metabolism. Though it’s not a steroid, it may increase the risk of cardiac arrest.
The usage of steroids with several side effects is also quite common among bodybuilders, which may be a reason why health insurance companies don’t differentiate between bodybuilders and obese people for the increased premiums.
The Body Mass Index (BMI) is the estimate of the ideal weight of a person based on the ratio of height and weight.
If your BMI falls in the normal range then you have a healthy body weight.
The preferable BMI or healthy range for adults is between 18.5 and 24.9.
Posted: Thu Apr 26, 2012 06:28 am Post Subject:
This is obviously a major flaw in the insurance industry and body builders are paying the price. Both BMI and body fat should be included in the formula to ensure fair rates to all consumers.
Posted: Thu Aug 25, 2011 10:46 am Post Subject:
Well, the fact is that most health insurance companies use Body Mass Index as one of the major determiners of premium rates.
Though, this was primarily meant for the rising obese population in America, it counts the body builders too, who also have higher BMI.
As, BMI is the crucial calculator of premiums for health insurance and it can’t tell apart (technically) a healthy body builder from an otherwise unhealthy obese person, it may account for increased premiums.
Posted: Thu Aug 25, 2011 01:04 pm Post Subject:
I've come to know that the body builders occasionally use certain injections that are applied on greyhounds to increase their muscle mass.
Does it increase their risk potential in the eyes of the insurer? Can you state a preferable BMI range?
Posted: Fri Aug 26, 2011 05:23 am Post Subject:
There have been reports about some bodybuilders, who are misusing L-carnitine injections meant for greyhounds for increased metabolism. Though it’s not a steroid, it may increase the risk of cardiac arrest.
The usage of steroids with several side effects is also quite common among bodybuilders, which may be a reason why health insurance companies don’t differentiate between bodybuilders and obese people for the increased premiums.
The Body Mass Index (BMI) is the estimate of the ideal weight of a person based on the ratio of height and weight.
If your BMI falls in the normal range then you have a healthy body weight.
The preferable BMI or healthy range for adults is between 18.5 and 24.9.
Posted: Thu Apr 26, 2012 06:28 am Post Subject:
This is obviously a major flaw in the insurance industry and body builders are paying the price. Both BMI and body fat should be included in the formula to ensure fair rates to all consumers.
Add your comment