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How to Use a BMI Calculator for Accurate Measurements

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The need for maintaining optimum health is more important now than ever before. Being in good physical shape not only enhances one’s self-esteem but also impacts various aspects of life including career, relationships and even financial matters like health insurance premiums. Knowingly or unknowingly, our lifestyle choices contribute to our overall health, and among the critical tools that measure its status is the Body Mass Index (BMI). This article will guide you on how to get the most accurate results using a BMI calculator, and how it could potentially affect aspects like your health insurance.

Understanding the BMI Metric

The Body Mass Index is an essential parameter that healthcare professionals use to measure if an individual’s weight is appropriate for their height. To calculate it, you divide a person’s weight in kilograms by their height in meters squared. The resulting figure represents a person’s BMI. Did you know that your BMI can influence the projections of your health insurance? Insurance companies use these calculations to determine the risk levels associated with an individual’s health status. Hence, understanding your BMI gives you leverage while negotiating your health insurance package.

The BMI calculator provides a simplified way to measure your BMI on your own. However, one should not base significant health decisions, including the purchase of health insurance, solely on the BMI calculator’s results. It is just a quick test for initial self-assessment and a tool to promote healthy awareness. Always consult your doctor for comprehensive health advice.

How to Use a BMI Calculator Accurately

To get accurate results, you need a modern digital bathroom scale to measure your weight and a tape measure for your height. Ensure that you measure your weight without heavy clothing or footwear, as these can cause a minor distortion in the results.


  1. Stand tall on your bathroom scale and note down your weight in kilograms. If your scale operates in pounds, you can convert the weight to kilograms by dividing the pound-value by 2.2046.


  1. Next, stand tall against a wall and note down your height in meters. If you measure it in centimeters, divide the centimeter value by 100 to convert it to meters.


  1. Key in these values in a BMI calculator, ensuring that the weight is divided by the square of height (weight (kg) / [height (m)]^2).

The results represent your BMI score, which lies in one of the following categories: Underweight (under 18.5), Normal weight (18.5-24.9), Overweight (25-29.9), and Obesity (30 or higher).

The Role of BMI Calculator in Health Insurance

Health insurance providers use the BMI calculator as a tool to assess a potential policyholder’s health risk category. Individuals with a high BMI, indicating they are overweight or obese, might have to pay higher insurance premiums compared to those with a normal BMI. This is because obesity is often associated with various health-related complications such as diabetes, high blood pressure, cardiovascular diseases, and certain types of cancers.

Conversely, having a low BMI can also be concerning as it might reflect malnutrition or underlying illness, thus also potentially attracting higher health insurance premiums.

Health insurance providers, therefore, find the BMI an essential health marker to determine insurance premiums. By maintaining a normal BMI, potential policyholders can access more affordable health insurance.

Factor in these aspects during your next health insurance review, and ensure that your BMI is part of your discussion. It is wise to check that whatever health insurance plan you choose, it accommodates and supports your health objectives.


While the BMI calculator provides useful insights into an individual’s health profile, it is crucial to remember that it’s not a comprehensive evaluation of someone’s health. The calculator does not take into consideration muscle mass, bone density, distribution of fat, and various other essential factors.

So, while it’s prudent to check your BMI regularly using a BMI calculator, always consult a healthcare professional for a complete health assessment. Adopting a healthy lifestyle goes hand in hand with lower BMI numbers and potentially lower health insurance premiums. Therefore, keep that BMI in check and embrace a healthier lifestyle for a secure, fitter, and insured tomorrow.