If you've searched the internet for health insurance that covers obesity then you are most likely for looking for established UK based health insurance providers that will cover your obesity.
Our advice when shopping around for private medical insurance that covers obesity is to speak to a health insurance broker. Health insurance is very complex and if you want absolute certainty that obesity is covered you should consult with a medical insurance broker who can explain which providers will cover this medical condition and which will not.
There are many advantages to using a broker but the largest by far is that you're using their insurance training at no cost. They are paid by the insurer (Aviva or Bupa etc) rather than by you so it costs you no extra to use their services.
- Do you reside in many different areas? Some will give you a lower premium than offers. A broker will be able to advise whats best.
- Do you have a hobby that may invalidate your insurance claim? A broker will know this critical information.
- If you are a couple and one of you has claimed on your policy this year would it be cheaper to separate you both onto two different insurance policies?
- You've lean't you're at risk of developing a certain condition and want to know which insurer offers the biggest amount of cover for it. A broker will know this instantly saving you huge amounts of time and effort.
You can call around every medical insurance provider on the market and ask if they cover obesity, however this will be a very time consuming process. Each insurer will ask for your medical history because its not normally a simple yes or not if a medical condition is covered or not.
Its much quicker to speak to one health insurance broker which will know which policy providers on the market cover obesity and under what terms they do or don't cover it.
The term 'obese' describes a person who's very overweight, with a lot of body fat.
It's a common problem in the UK that's estimated to affect around one in every four adults and around one in every five children aged 10 to 11.
There are many ways in which a person's health in relation to their weight can be classified, but the most widely used method is body mass index (BMI).
BMI is a measure of whether you're a healthy weight for your height. You can use the BMI healthy weight chart to work out your score.
For most adults, a BMI of:
BMI isn't used to definitively diagnose obesity, because people who are very muscular sometimes have a high BMI without excess fat. But for most people, BMI is a useful indication of whether they're a healthy weight, overweight or obese.
A better measure of excess fat is waist circumference, which can be used as an additional measure in people who are overweight (with a BMI of 25 to 29.9) or moderately obese (with a BMI of 30 to 34.9).
Generally, men with a waist circumference of 94cm (37in) or more and women with a waist circumference of 80cm (about 31.5in) or more are more likely to develop obesity-related health problems.
Read more about diagnosing obesity
It's very important to take steps to tackle obesity because, as well as causing obvious physical changes, it can lead to a number of serious and potentially life-threatening conditions, such as:
Obesity can also affect your quality of life and lead to psychological problems, such as depression and low self-esteem (see below for more information about the health problems associated with obesity).
Obesity is generally caused by consuming more calories – particularly those in fatty and sugary foods – than you burn off through physical activity. The excess energy is stored by the body as fat.
Obesity is an increasingly common problem because for many people modern living involves eating excessive amounts of cheap, high-calorie food and spending a lot of time sitting down, at desks, on sofas or in cars.
There are also some underlying health conditions that can occasionally contribute to weight gain, such as an underactive thyroid gland (hypothyroidism), although these type of conditions don’t usually cause weight problems if they're effectively controlled with medication.
Read more about the causes of obesity