In the last ten years there is a drastic surge in the number of obese and overweight people in the America and the rest of the world. In America it is exercising a serious cost impact in the health care system of that country. Many men are being denied health insurance coverage due to their overweight. They are being cast aside by the underwriting system of the insurance company. The issues related to the overweight and obese people have remarkable repercussions on the economy and the cumulative expenditure of the health care system. They may be really interested to health insurance overweight plan.
There is a system adopted by the underwriters to determine the height and weight of the applicant. They try to calculate the acceptable range of these two factors by this system. The inter relation of the two shows a figure called body mass index or BMI and provides the underwriters an approximate figure of the body fat. The department of human health services opines that a BMI of 30 is regarded obese and in case of overweight it is 25 to 29.9. If your BMI is more than 43 it is less likely that you will qualify for the coverage of the traditional health insurance. If your BMI is 29-43, the insurer may like to offer you the insurance coverage with a premium more than normal rate. If you are having some pre-existing health issues in relation to your weight, like diabetes, heart disease, hypertension, a health insurer may deny you the required coverage, even if you are carrying a BMI within an acceptable range. Besides BMI the waist circumference or the belly fat is a good precursor to the future health problem linked with excessive weight like that of type 2 diabetes and hypertension.
There is a strong penchant that the overweight and inactive individuals will store stomach fat at an excessive level. They will eventually experience insulin resistance or some other health issues related to heart. Taking a health insurance high blood pressure plan will obviously prove to be fruitful to them. The underwriters leave a red mark on an application when they see that the applicant possesses a combination of these pre-existing conditions. The underwriters follow some particular risk criteria they use when combining the BMI with some other risk factors like that of smoking, and the health related matters, mentioned previously, which may be exacerbated while being combined together.
Certain assimilation of these factors will result in a decrease for health coverage. While many of the overweight individuals may perceive that they are being railroaded by the insurers, the decision is that between two and seven percent of all the health care expenditures are linked to the obesity and overweight, which crept up from health issues linked to the medical care of the overweight factors such as hypertension, high cholesterol, insulin resistance or diabetes, , certain forms of cancer, respiratory issues, cardiac conditions inactivity, mortality cost, absenteeism from work, and loss of family income from premature death.
You may have apprehension that you may not qualify to get affordable health insurance coverage. Thus, you should take some precautions before submitting a health application. You should find out a competent health insurance broker who offers more than one type of products and is aware well of some of the underwriting requirements.