BMI Calculator

A complete guide on BMI and its significance in insurance. Check how to calculate BMI.
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3 mins

BMI, or Body Mass Index, is a measure of a person's body fat based on his/her height and weight. It is an important indicator of overall health and fitness. Knowing your BMI can help you understand if you are in a healthy weight range. Read the various aspects of BMI calculator, including BMI’s significance in insurance, how to calculate BMI, and ideal BMI for men and women.

What is BMI?

Body Mass Index (BMI) is a measure of body fat determined based on a person's height and weight. You can calculate BMI by dividing a person's weight in kilograms by their height in metres squared. The resulting value is then categorised into underweight, normal weight, overweight, or obese according to established BMI classifications, utilising a BMI calculator.

Also Check: Health insurance premium calculator

What is the full form of BMI?

The full form of BMI is Body Mass Index. It is a measure of body fat based on a person’s height and weight. BMI is used to assess health risks associated with weight and body composition. It is calculated by dividing weight in kilograms by height in meters squared. BMI can be easily determined using a BMI calculator, which is available online or through a healthcare provider.

How to calculate BMI?

You can calculate your BMI by using the BMI calculator online. Most insurance companies provide a BMI calculator on their website or app to help you determine your BMI. To calculate your BMI, start by knowing your weight and height. Once you have these measurements, follow these two steps:

  • Multiply your height by itself (height x height).
  • Divide your weight by the value obtained in the first step.

Here’s the formula for calculating BMI:

To calculate BMI, use the following formula:

International System of Units (SI)

BMI = weight (kg) ÷ (height (m))2


For a 188 cm (1.88 m) individual weighing 70 kg,

BMI = 70 / (1.88 * 1.88) = 70/ 3.53 = 19.83

Imperial System

BMI = weight (lb) ÷ (height (inches))2 × 703


For a 150-pound, 5’5” (50”) individual,

BMI = (150/ 50*50) * 703 = (150/2500) * 703 = 42.18

Ideal Body Mass Index (BMI) for adults

BMI, or Body Mass Index, assesses body weight relative to height, indicating whether an adult is underweight, normal weight, overweight, or obese based on established health guidelines. BMI values for adults are classified under the following categories:


Weight Category

Below 18.5


18.5 – 24.9


25 – 29.9


30 – 35


Over 35

Morbid obesity

BMI for kids

Body Mass Index (BMI) is a method used to assess the weight status of an individual, both in adults and children. The calculation of BMI is based on the child's age, height, and weight, which helps in determining whether a child is underweight, normal weight, overweight or obese. Maintaining a healthy weight is crucial for children's overall health and wellbeing, as excess weight can increase the risk of developing health problems such as heart disease, diabetes, and high blood pressure. Using a BMI calculator for accurate evaluation of children's health cab be extremely helpful.

To calculate BMI for kids, the formula used is BMI = weight (kg) / height (m2). Understanding and interpreting the BMI score can help parents and healthcare professionals determine if a child is at a healthy weight or if interventions are needed to help them achieve a healthier weight. Encouraging healthy eating habits and regular physical activity are essential in keeping children at a healthy weight and reducing the risk of health problems associated with excess weight.

Also, check: Calorie calculator

What are the health risks related to being overweight?

Discussed below are the risks associated with being overweight:

Type 2 diabetes


Heart conditions

Varicose veins

Higher levels of LDL cholesterol and lower count of HDL cholesterol in the blood


High triglycerides



Stress incontinence or urge to urinate frequently

High blood pressure

Certain types of cancer (breast, colon, endometrial, etc.)

Gall bladder-related complications

Clinical depression and other mental health issues

Insulin resistance

Poly-cystic ovarian disease in women

Osteoarthritis or breakdown of joint cartilage

Skin health problems like skin tags, darkening of the skin

Sleep apnea or intermittent breathing obstruction during sleep

Breathing trouble

Atherosclerosis or building up of cholesterol deposits in arteries



What are the risks of being underweight?

Not just overweight but being underweight can also significantly impact your health. Given below are the risks of being underweight:

Nutrient deficiency


Weakened immune system

Developmental delays in children


Hormonal imbalance

Menstrual irregularities


Fertility issues

Organ dysfunction

Muscle waiting

Increased mortality risk

Impaired cognitive function


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What is the significance of BMI in health insurance?

BMI plays a crucial role in insurance as it helps insurers assess a person's health risks. People with a higher BMI are at a higher risk of developing health issues such as heart disease, diabetes, and stroke. This increases the likelihood of filing an insurance claim, making them a higher risk for insurance providers, Check your health insurance policy online.

Some effective ways to improve health

Improving health involves a multifaceted approach, and one effective way is by utilising tools like a BMI calculator or body mass index calculator. These tools provide insights into your weight relative to your height, aiding in understanding your overall health status. By regularly monitoring your BMI, you can set realistic fitness goals, track progress, and make informed decisions about your diet and exercise regimen. Additionally, incorporating a balanced diet rich in fruits, vegetables, lean proteins, and whole grains, along with regular physical activity, contributes significantly to maintaining a healthy BMI and overall well-being.

Does BMI affect your health insurance premium?

BMI is an important factor in determining health risks and assessing insurance policies. Insurers consider a person's BMI to determine their risk factor. People with higher body mass index may be at a higher risk of certain health conditions, which may lead to higher insurance premiums. In some cases, insurer may deny offering health insurance coverage to people with a high BMI. A higher BMI is considered as high-risk, and hence, more prone to health issues and claims. Body mass index calculator is used for checking BMI.

Having ideal BMI range can result in maintaining a healthy lifestyle. It is therefore suggested to keep a track of your BMI using a BMI calculator. With increasing healthcare costs, health issues and their associated treatment costs can burn a hole in your pocket. A comprehensive health insurance policy can help you safeguard your savings in case of any such medical exigencies. Therefore, it is essential to maintain a healthy BMI range to reduce the risk of developing health issues. This will also help you save on health insurance premiums.

Read more: Check out the family health insurance plans

Frequently asked questions

How is BMI used?

BMI, or Body Mass Index, is used to assess body fat based on a person's height and weight. It can be used to determine whether an individual is underweight, normal in weight, overweight, or obese.

Why is BMI used to measure overweight and obesity?

BMI is commonly used to measure overweight and obesity because it is a simple, non-invasive, and inexpensive method of determining body fat percentage. It is a widely accepted screening tool for assessing overweight and obesity in adults.

How good is BMI as an indicator of body fat?

While BMI is a useful tool for determining body fat percentage, it is not a comprehensive indicator of overall health. For instance, BMI does not distinguish between fat and muscle mass. Therefore, athletes or muscular individuals may have a high BMI, but this does not necessarily mean they are overweight. Age, ethnicity, sex, and other factors can also affect BMI. So, while it is a helpful tool, it should not be the only factor used to assess overall health and weight status.

How do I calculate my BMI?

To calculate your BMI (Body Mass Index), divide your weight in kilograms by your height in meters squared. Alternatively, you can use online BMI calculators or formulas. A BMI between 18.5 and 24.9 is generally considered healthy.

How do you calculate BMI in kg?

To calculate BMI in kilograms, use the formula:

BMI = weight (kg) / (height (m))2

Measure your weight in kilograms and your height in meters. Multiply your height by itself, then divide your weight by this value. Using a BMI calculator kg can simplify this process and provide quick results.

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