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BMI Calculator By Bajaj Allianz Life

Body Mass Index (BMI) is a measure to understand whether your body weight is healthy as per your height.
Good health is essential for a good life, and good health is also required towards securing you and your family’s future, as well as getting their life goals done.

BMI calculator for men
Calculate your BMI
Simply enter your details to calculate your BMI.





What is BMI (Body Mass Index)?

What is BMI (Body Mass Index)?

The Body Mass Index, or BMI, is a metric that many doctors and medical health professionals use to determine whether a person possesses a healthy body weight. It is used as a general overall indicator of a person’s state of physical well-being. The Body Mass Index takes several factors of an individual into consideration such as the person’s gender, age, height, and weight. Of these, the height and weight are the key influencers.

The value that you obtain from a BMI calculator is then used to categorize you into any one of the following groups: underweight, normal weight, overweight, or obese. Since being either underweight or obese can lead to severe health issues in the long run, the BMI serves as a great way for healthcare professionals to identify whether you fall under any of the high-risk categories.

It also allows them to help you take prompt corrective measures to lower the risk of you developing any ailments or diseases due to having an unhealthy weight. Calculating your BMI is quite easy too, which you will get to see in the going forward. Furthermore, the Body Mass Index calculator is a highly versatile tool that can be used for determining the weight category of both adult males, adult females, and children as well. [1]

What is BMI Calculator (Body Mass Index Calculator)?

What is BMI Calculator (Body Mass Index Calculator)?

A BMI calculator is a dedicated tool that is used to quickly determine your Body Mass Index. With a Body Mass Index calculator, all that you have to do is input your age, your gender, your weight, and your height. The tool will then automatically apply the formula used to calculate your BMI index and would then show you the results. In fact, when you input your weight and your height into one of these calculators, what they essentially do is use a simple formula to arrive at your BMI value.    

The results that you receive can then be interpreted using the recommended BMI chart to determine the category that you fall under. A BMI calculator is highly useful, since it can accurately calculate your BMI irrespective of whether you use the metric system or other systems of measurement.  

There are several free Body Mass Index calculators on the internet that can help you measure your BMI index. You can use these calculators to quickly check your BMI. Then, based on the category that you fall under, as indicated by the BMI calculator, you can look for ideas and pointers to rectify your irregular body mass and bring your weight to the ideal level.[2]

How is BMI calculated?

Calculating your Body Mass Index is extremely easy and takes only a couple of minutes. That said the BMI formula varies slightly depending on the type of measurement system that you use. Let us delve a little deeper into this topic to get more clarity.[3]

BMI calculation formula for the 'SI' measurement system


The BMI formula for the metric system of measurement is as follows.

Formula: weight (kg) ÷ [(height (m)]2

To better understand the BMI calculator metric, we will now take up an example. Take Anup for instance. He weighs around 60 kilograms and measures around 1.7 meters in height. By inputting his values in the formula, we can get his BMI, which is as follows.

BMI of Anup = 60 ÷ (1.75)2 = 19.6

Here, since Anup’s height is already in meters, the application of the BMI formula was quite straightforward. However, if his height were in centimeters or feet, you would have to first convert it to meters, before applying the formula. There are online calculators for this conversion too.

BMI calculation formula for the Imperial measurement system


The BMI formula for the imperial system is as follows.

Formula: weight (lb.) ÷ [(height (in)]2 x 703

Let us again take up another example. Here is Dharmendra, who weighs around 220 pounds and measures around 63 inches in height. His BMI would look like this.

BMI of Dharmendra = 220 ÷ (63)2 x 703 = 39

Again, if your metrics are in different units, you can convert those using online tools before using the BMI formula.

Understanding your Body Mass Index

In order to be able to fully comprehend the concept of Body Mass Index, it is crucial to not just stop with the calculation part. Only by interpreting the calculated BMI values using the recommended body weight and BMI range can you ever hope to understand your Body Mass Index.[4]

The following table clearly represents the categories based on BMI values.



< 18.5


18.5 to 24.9

Normal weight

25 to less than 29.9


> 30


By comparing your results with the values in this BMI index table, you can accurately identify the category that you belong to. For instance, if your BMI is less than 18.5, you are categorized as underweight. If your BMI falls in a range between 18.5 and 24.9, you are considered to be normal weight with a normal BMI. If your BMI falls in a range 25 to 29.9, you fall under the overweight category. If your BMI is 30 or more, you are considered to be under the obese category.

Both the underweight and the obese categories are usually considered by healthcare professionals to be high-risk. This is primarily because the individuals coming under these two categories are typically at higher risk of contracting ailments and diseases, as we will see later in this article.

Ideal BMI for men


When it comes to men and women, there are several physiological differences between the two genders. Therefore, it becomes necessary to determine the ideal BMI for men. The Body Mass Index is something that is dependent on a person’s overall height and weight, and so, there is a BMI chart for men that clearly outlines the range of BMI values and the various weight categories. Here is a brief look at the chart.[5]

BMI Chart Men



< 18.5


18.5 to 24.9

Normal weight

25 to less than 29.9


> 30


Due to the various physiological differences between the two genders, men tend to carry more muscle in their bodies. As a result, a man and a woman with the same BMI may both be grouped in the same category, but their body composition may be entirely different. The same is true for two men - one of whom is a regular person and the other an athlete. The athlete, due to higher muscle mass, may be in the overweight or obese category while being perfectly healthy. Therefore, overall, the BMI calculator for men simply shows how much excess body weight a person has, if any.

While being overweight and obese is generally considered high-risk, men falling under these two categories due to having more muscle in their bodies are not necessarily more prone to health risks. However, if you are an adult male who is sedentary with a high BMI, it may be a cause for concern.

Since the BMI is based on two factors - height and weight, the Body Mass Index tends to change with respect to these two values. Here is a comprehensive table that clearly illustrates how the BMI shifts with different heights and weights in men.


Height (in feet and inches)

5 feet

5 feet 3 inches

5 feet 6 inches

5 feet 9 inches

6 feet

65 28.0 25.4 23.1 21.2 19.4
75 32.3 29.3 26.7 24.4 22.4
85 36.6 33.2 30.2 27.7 25.4
95 40.9 37.1 33.8 30.9 28.4
105 45.2 41.0 37.4 34.2 31.4

Ideal BMI for women


Just like how there is a range of BMIs for men; there are ranges of BMI for women too. You will find this in the BMI chart for women. Since the BMI depends on the height and weight of a person, these metrics are used in a BMI calculator for women as well, just like how they are used in a BMI calculator for men. BMI for women indicates how much excess weight a women of a certain height has, thereby making it easier to classify them as underweight, normal, overweight or obese.

That said women, in general, tend to have a higher percentage of body fat than men do. Therefore, for a man and a woman with the same BMI, the former may have more muscle, while the latter may have more body fat. Nevertheless, the BMI for women[5] follows the same range as the BMI for men.

Here is a BMI chart for women that gives you a preview of the ranges of BMI and what they mean.

BMI Chart Women



< 18.5


18.5 to 24.9

Normal weight

25 to less than 29.9


> 30


When you are using a BMI calculator for women, it helps to remember that women tend to put on more weight as they age. This is one of the reasons why some BMI calculators for women consider BMI cut-offs like 30, 32 and 33 instead, as normal.

However, broadly speaking, the same ranges are used for both men and women over the age of 20. To help you better understand how the BMI changes with height and weight, here is an illustrative table.


Height (in feet and inches)

5 feet

5 feet 3 inches

5 feet 6 inches

5 feet 9 inches

6 feet

55 23.7 21.5 19.6 17.9 16.4
65 28.0 25.4 23.1 21.2 19.4
75 32.3 29.3 26.7 24.4 22.4
85 36.6 33.2 30.2 27.7 25.4
95 40.9 37.1 33.8 30.9 28.4

Ideal BMI for kids

A BMI calculator for kids can help you determine the body mass index for children. However, is the way the BMI is calculated different for kids than for adults? It turns out that there is a bit of a difference. Calculating the ideal body weight and BMI for kids[6] differs from the method used for adults.

This is because the amount of body fat in a child’s body keeps changing as they grow up, unlike in the case of adults where it is mostly fixed. Here are the details about the child BMI calculator metrics.

• The formula used to calculate the BMI in children is the weight divided by the height in meters squared. This result is then multiplied by 703.

• The BMI of each child is then matched against the percentiles for other kids who are of the same age and gender.

• Percentile measures how a child compares to other children of the same gender, in the same age group.

A child whose BMI falls in the 10th percentile, for instance, weighs more than 10% of the kids in his or her age group.

• Kids with a BMI that falls below the 5th percentile are underweight.

A BMI between the 5th and 85th percentile is considered normal.

• Children with a BMI between the 85th and 95th percentile are considered overweight.

A BMI over the 95th percentile indicates obesity.

How to use Bajaj Allianz Life's BMI calculator?

Using the BMI calculator from Bajaj Allianz Life is easy and simple. It takes just three quick steps to find out your body mass index. Here is a step-by-step guide to use the BMI calculator.

  • Step 1

    Enter your feet in height and inches.



  • Step 2

    Enter your weight in kilograms.

  • Step 3

    Press ‘calculate.’

    The BMI calculator then shows you your body mass index. The BMI ranges on the meter shown help you understand how this metric is distributed. You can also view the BMI ranges and the category chart from the hyperlink shown in the calculator.

Benefits of using a BMI calculator

Using a BMI calculator online is easy, as you have seen. In fact, with Bajaj Allianz Life, you will find the BMI calculator in kg and feet all the most effortless to use, since there is no conversion of metrics involved. That said, what are the benefits of using a BMI calculator? It turns out that there are many advantages. Let us take a closer look at how using a BMI calculator online can be beneficial to you.[7]

  • It makes complex calculations easy for you, so you do not have to manually make calculations on your own.
  • It saves you a lot of time, since you do not need to perform the math yourself.
  • It is simple and straightforward; meaning even those who have only just heard about the concept of BMI can use it easily.
  • It helps you keep track of your BMI, since you can simply go online and use the BMI calculator at any point in time, free of charge. 
  • You can perform multiple calculations one after another – there is no limit to the number of times you can use it.
  • You can make sense of the calculations since the BMI calculator itself shows you the meaning of the range your BMI falls in.
  • Using a BMI calculator in kg and feet means you do not have to convert your metrics.

Risks associated with being underweight

You know the ideal BMI ranges for adults and kids. However, what really happens if you are underweight? Isn’t less weight always better? Not really. Being underweight[8] comes with its own set of problems, and, if left untreated, this condition could lead to many health troubles.

Here is a preview of some of the risks associated with having a less than normal BMI.

  • Malnutrition, where your body does not get sufficient nutrients
  • Vitamin deficiencies that can lead to many illnesses
  • Anemia, which is the reduction in your body’s healthy red blood cells that carry oxygen
  • Osteoporosis, where the bones become weaker, thus increasing the risk for injury and fractures
  • Lowered immunity, which could expose you to many illnesses
  • Issues in growth and development, particularly for children who are underweight
  • Possibility of reproductive issues for women who are underweight, owing to hormonal imbalances that can interfere with the menstrual cycle
  • A higher chance of miscarriage in the first trimester for underweight women
  • An increased risk of mortality when compared with people who have a normal BMI

Being underweight can also be indicative of underlying diseases. Therefore, it is advisable to perform BMI checks often, and in case of a lowered BMI, it is best to visit your doctor for an exam.

Risks associated with being overweight

Just like how being underweight can pose many challenges, being in the overweight BMI ranges also comes with many risks. If you suspect that you may be overweight or obese, it is best to get a quick BMI check done, so you can keep your health on track. Many people may be aware that being overweight[8] is unhealthy, but they may not know the actual risks involved.

Here is a preview of some of the risks associated with having a higher than normal BMI.

  • High blood pressure, which leads to many other health conditions
  • Higher levels of LDL cholesterol, which is bad cholesterol for the body
  • Lower levels of HDL cholesterol, which is actually good for the body in moderate quantities
  • High levels of triglycerides, which can cause the arteries to thicken, increasing the risk of stroke or heart disease
  • Type 2 diabetes, which affects the way your body processes blood sugar
  • Increased risk of coronary heart disease and stroke
  • Possibility of developing gallbladder problems 
  • Osteoarthritis, which is a disease of the joints arising from the breakdown of cartilage
  • Sleep apnea and breathing problems that can lead to insomnia or poor quality of sleep
  • Higher risk for certain cancers like endometrial, gallbladder, kidney, breast, liver and colon cancers
  • Body aches and difficulty performing physical functions
  • A generally increased risk of mortality compared to those with a normal BMI

Tips to maintain a healthy BMI

You have seen how there are risks associated with being both underweight and overweight. That is why it is important to maintain your weight so you are in the normal BMI range. You can use a BMI calculator and look at the BMI table to see if you have a healthy BMI[9]. In addition to that, here are some tips that can help you stay in the normal BMI range.


Stay active

Staying active and exercising must form a part of your daily routine. Not only does it help keep the excess weight off, but it also ensures that your metabolic rate does not dip. This way, you do not put on additional weight easily. You can pick any activity of your choice, be it running, dancing, weightlifting or even sports. Just make sure you keep your body moving instead of remaining sedentary. This is one of the best ways to maintain a healthy BMI.


Avoid eating junk foods

Junk foods and high calorie food items can lead to excessive weight gain in the end. You may not notice it at first, but the calories can quickly add up. Snacking excessively and eating processed foods can also lead to hormonal issues, which leads to adding more pounds than ideal. By avoiding this, you can ensure that your weight remains in the normal BMI range all through your adult life.


Eat a balanced diet

A balanced diet is equally important. Typically, your meals should include carbs, protein, healthy fats, and enough nutrients like minerals and vitamins. Not eating a balanced meal for prolonged periods can lead to deficiencies that can affect food absorption, leading to you becoming underweight. Moreover, as we have seen previously, there are many risks associated with being underweight too.


Get adequate sleep

This habit has often overlooked and underrated. Nevertheless, getting adequate sleep plays a key role in how your body regulates your weight. Prolonged periods of erratic sleep patterns can cause your body’s hormones to become unregulated. In addition, this, in turn, could lead you to becoming underweight or overweight. Both those situations are not healthy scenarios, since they each come with their own set of risks.

Therefore, it is best to stay active, eat well, and get enough sleep. That way, you can ensure that your weight remains ideal and that you have a healthy BMI. To know more about the ideal ranges, check the BMI table.

Limitations of BMI

As you know by now, the BMI formula takes into account a person’s height and weight alone. While these are no doubt good metrics to consider, are they enough? Can a person’s height and weight alone be good indicators of their health? It turns out that there is more that is needed. Here is where the limitations of BMI[8] come into effect.

BMI in adults

The BMI calculator metrics in adults, being limited to height and weight, do not account for excess body fat. All they indicate is excess body weight, which need not always mean more fat. Muscularity could contribute to added pounds. Conversely, someone who appears to be in the healthy weight range could actually have more body fat than ideal. 

Here are some other limitations of BMI in adults.

  • At the same BMI level, older people tend to have more body fat than younger people do.
  • Men tend to have less body fat than women with the same BMI level do.
  • Muscular people and trained athletes may have higher BMIs because of higher muscle mass.


BMI in children

Just like how BMI has its limitations in adults, BMI in children also comes with some reservations. It may show excess body weight, but it does not account for body composition.

BMI calculator: Frequently Asked Questions (FAQs)

  • What is BMI?

    BMI or Body Mass Index is a metric that is used to determine a person’s measure of body fat. This value is derived using the height and the weight of a person. There are different BMI ranges for men and women, and even for children. Depending on the BMI formula and the range in which the BMI falls, users are categorized as underweight, normal weight, overweight or obese.

  • How do I calculate my BMI?

    The general BMI formula used to calculate the body mass index involves the weight in kilograms divided by the height in meters squared. However, despite the easy BMI formula, manually calculating the metric can prove to be cumbersome, particularly if you need to convert the height or weight from other measurement systems. Here is where a BMI calculator can prove to be very useful. You simply need to enter the necessary details and let the tool calculate your BMI.

  • How is BMI measured?

    The formula that is used to measure the BMI is universal and frankly, simple enough. It is essentially a person's weight in kilograms divided by the square of height in meters. The resulting number is then matched against a set of BMI ranges to identify if the person is underweight, normal weight, overweight or obese. A BMI calculator can help you measure the metric easily.

  • What is the ideal BMI for a man?

    Knowing the ideal BMI ranges for a man can help you figure out if you’re underweight, overweight, or of normal weight. Generally, a BMI that’s less than 18.5 means that a man is underweight, while a BMI between 18.5 and 24.9 means that the man is of normal weight. BMI between 25 and 29.9 points to the fact that a man may be overweight, while BMI over 30 is indicative of obesity.

  • What is the ideal BMI for a woman?

    When you use a BMI calculator, you need to know what the ideal BMI ranges are. For women aged 20 years and above, a BMI below 18.5 indicates that the person is underweight, while a BMI between 18.5 and 24.9 indicates normal weight. BMI between 25 and 29.9 means that the woman is overweight, and BMI over 30 points to obesity. 

  • How much should I weigh for my height and age?

    It is important to know how much you should weigh for your height and age, so you can remain healthy. A BMI calculator can help you figure out if your weight is in the ideal range. The exact amount that you should weigh, of course, depends on how tall you are and how old you are. BMI or Body Mass Index indicates this, and depending on the range that your BMI falls in, you can figure out if you are of a healthy weight, underweight or overweight.

  • Why is BMI calculation important for your health?

    BMI indicates whether your weight is in a healthy proportion to your height. If your BMI is too low, you are classified as being underweight, while if it is too high, you become overweight. Both these classes have their own set of health issues. BMI calculation helps your doctor identify the potential for any illnesses stemming from this issue. It also helps you track your weight and remain healthy.

  • What is the average BMI value for children and adults?

    In children, BMI is calculated in the same manner that it is calculated for adults. However, the healthy ranges are determined differently. There are no fixed BMI ranges to determine healthy and unhealthy thresholds in children. Typically, the BMI values for kids are compared with other children of the same age and sex, and a percentile is calculated. If the BMI value is below the 5th percentile, they are considered underweight. If the BMI value is over 95th percentile value, they are considered obese. Values that lie within the 85th and 95th percentile are considered overweight, and values from the 5th to the 85th percentile are considered normal.

  • How do I maintain a healthy BMI?

    The BMI depends on the height and the weight. Now, since the height cannot be changed, it means that you need to regulate your weight to maintain a healthy BMI. To do this, exercise and nutrition are the two key pillars. Remain active and maintain a caloric deficit if you wish to lose weight. Alternatively, a caloric surplus can help you put on some pounds if you are underweight.

  • When should I see a doctor?

    If your BMI belongs to any category other than the normal range, it is better to see a doctor and get yourself tested every six months or every year. If you are severely underweight or if you are on the verge of moving into the obese category, it is advisable to see a doctor immediately.

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    Our future plans and financial goals demand protection from twists and turns of life. A comprehensive term plan with an extremely affordable premium can be a perfect shield against financial stress caused by any life event

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    A little planning goes a long way to manage some of the surprises life may have in store for you. This planning can also be essential to secure your family’s future, keeping their life goals on track. Buying a term insurance plan is one such plan to help your family realise their goals even in your absence.

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The 1st step to achieving your Life Goals is to literally have to describe the goal and your life in a great deal of detail. Once your life goals are defined, the next step is creating a plan to get there. Achieving life goals is a long and complex process. Based on your knowledge of what it will take to achieve your goal, the next step is to break it down into smaller components.

Most people buy Life Insurance primarily to ensure peace of mind and secure their families standard of living in case of any unfortunate event. Life Insurance ensures that your loved ones will meet their Life Goals, come what may!

A life insurance policy can prove advantageous in a number of ways besides just the risk cover. When you opt for a life insurance plan, you could stand to receive the following benefits.

Life insurance policy offers you tax saving benefits under section 80C of the Income Tax Act, 1961. Under this Act, the premiums paid towards a life insurance policy are allowed as tax deductions from your taxable income up to the tune of INR 1.5 lacs every year. The payout of a life insurance policy, if any, may also be exempt from taxation.

With a life insurance policy you stand to receive two loan-related benefits. The first is that if you meet with an untimely demise, your life insurance plan will safeguard your loved ones from any mortgages you may have, such as home loans, etc.

In case of a financial crunch, instead of surrendering your policy mid-way through your goal realization, you can easily avail loans by putting your life insurance policy up as a collateral. You can take a loan against the surrender value of your life insurance policy. This is applicable for certain types of Life Insurance products.

Some life insurance plans also provide as a useful investment and compulsory savings instrument. They allow for long term capital accumulation and appreciation whilst also protecting your family members from the ups and downs in life with tax benefits.  Everybody has life goals and Bajaj Allianz Life Insurance is here to help you achieve them.

A life insurance policy can also serve as an effective tool that aids in your financial planning at every stage of your life  goal. For example, with a child life insurance plan, you can plan for your children's upbringing, their education and even their marriages, right from the day they're born.

  • Amongst ‘Top 75 most valuable Indian Brands 2019’1
  • One of the most Trusted Brand2
  • Claims Settlement Ratio 98.02%~
  • 1 Day Claim Approval7
  • Solvency ratio of 745% **
  • AAA (In) Rating by CARE – Highest Claims Paying Ability$
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  • 3.44 Crore number of lives covered#
  • Our Priority is not to sell Life Insurance, it is to serve you in the fastest & most convenient manner when you need us.

787% of non-investigative individual claims approved in one working day for FY 2019-20. 1 day is counted from date of intimation of claim before 3 PM on a working day (excluding Non-NAV days for ULIP) at Bajaj Allianz Life offices

~Individual Claims Settlement Ratio for FY 2019-2020

**All figures as on 31 March, 2020

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1 Report published by Kantar millward brown

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"What are your life goals?" is one of the most common questions that comes to one's mind while taking any step further in Life. Most just answer it by laughing it off or saying we will think about it.

A key reason that they feel this way is that they haven't spent enough time thinking about what they want from their life, and haven't set themselves any goals.

Goals keep changing as per different life stages and one has to plan meticulously for their future.

Deciding your Life Goal is all about planning to "Live your life, your way". There could be various Life Goals such as trotting the globe, becoming a food blogger to starting your own business, owning your dream house, or planning your Childs education or marriage.

L"IF"E is full of IF's... and one needs to plan to secure their loved ones and themselves against the Ifs of Life. When you opt for a life insurance plan, you transfer your family's financial risks in case of any unfortunate event to the life insurer. This allows you and your loved ones to live life fearlessly. Life Insurance protects your family's financial wellbeing from the consequences of living without an income.

When you purchase a life insurance policy, one of your major life goal gets fulfilled i.e. you purchase a sense of security. A safety net that cushions your family members from the financial impact of your sudden absence and ensures that any outstanding debts that were incurred during your lifetime don't fall upon your loved ones.

Having life goals is an important aspect in each one's life. One needs to be SMART and plan out well in advance to ensure nothing goes wrong in the future. Life insurance offers a range of products that could come in handy for meeting your financial goals.

To ensure that it is not too late, get your #LifeGoals insured with us today! It will help you smile in the face of tomorrow's uncertainties and let you live a worry free life!

Buying a life Insurance Plan is not just about money, It's about taking the right step today to work towards your Life goals and attain peace of mind. One feels the need of  buying life insurance when he or she has someone else who is dependent on their income. The best time to buy a life insurance policy is when you're young and are less susceptible to life threatening diseases or events. What's more beneficial is that the premium amount will also be lesser than someone who is older, since the mortality rates are linked to age. Also, if the life insurance policy you choose is one that grows your money, then if you start early you don't have to worry about attaining your financial goals  when you're older.

Let's take an example to understand this:

Gaurav aged 30 years has taken a Bajaj Allianz Future Gain policy for a Policy Term (PT) of 30 years. Gaurav has decided to pay Rs.2500 as monthly premium for a premium payment term of 30 years. The Sum Assured chosen by him is Rs.4,50,000. Gaurav will receive Rs.2,709,720 lakhs (the bond fund {ULIF02610/07/06BONDFUNDLI116} value at assumed investment rate of 8%) OR Rs.1,350,016 lakhs (the bond fund value at assumed investment rate of 4%) on maturity.

In case of Gaurav's unfortunate death, in the 14th policy year, his nominee will receive Rs.4,92,807 lakhs (at 4%) or Rs.6,61,701 lakhs (at 8%) as death benefit***

Disclaimer: The returns indicated at 4% and 8% are illustrative and not guaranteed and do not indicate the upper or lower limits of returns under the policy. The sum assured amount and/or other benefit amount indicated, if any, is a non-guaranteed illustrative figure and is subject to policy terms and conditions and claim scrutiny.

***Death benefit would be higher of the sum assured or regular premium fund value PLUS higher of top-up premium sum assured or top-up premium fund value, if any, subject to policy terms and conditions. The death benefit is subject to the guaranteed death benefit, which is 105% of the total premiums paid including top-up premiums paid, if any, till the date of death. GST is charged based of type of the Policy, communication address of the Policy Holder. This may change subject to change in rate / state in address of the policy holder as on date of adjustment.

The premium you pay is decided by a number of factors. Some of them are your age, the younger you are, the less premium you pay. Your gender, women pay a marginally lower premium than men. Premium will also depend whether or not you are a tobacco user, if you smoke or chew tobacco, you'll end up with a higher premium amount. The tenure will also play a big role, the longer the tenure, the more the premium you pay.

Useful Tips to buy Life Insurance

Getting the best life insurance policy ultimately boils down to these four pointers.

1. Start young:

When you start young, you get the same coverage at a lower premium, thus allowing you a long-term, low-cost cover at minimal premiums.  The earlier you plan for your life goal the better it is for you.

2. Calculate your needs:

Getting the best life insurance policy means getting a plan that covers  all your needs and helps you work towards your life goals.  Thus to get a good plan, understanding your needs first, becomes of utmost importance.

3. Ready for inflation:

An ideal life insurance policy is the one that is inflation-proof, ensuring a comfortable life to your loved ones, even 10 years down the line!

4. Go online:

Nowadays, the best life insurance plans are available online. This is because they offer the same coverage as their offline counterparts, but at differential premium rates.

The Life Cover or Sum Assured is one of the most critical aspects of a life insurance policy. This is because, in case of any unfortunate event, it's the coverage amount that will safeguard the financial interest of your family. It's important to note that the coverage amount needed will differ from one person to another depending on a few factors, some of which are stated below:

1. The number of dependents:

The coverage amount is designed to take care of your loved ones in case you're no longer around to do so yourself. Therefore, the higher the number of dependents, the higher the coverage amount needed.

2. The lifestyle expenses of your family:

When fixing on your sum assured, make sure you take into account the present lifestyle expenses of your family. This will ensure that they enjoy a comfortable life, come what may.

Take into consideration the cost of inflation: Fixing on a coverage amount based on costs today would be a dire mistake, because this amount will not support your family's expenses 10 or 15 years down the line till the next family member comes of earning age. Also, costs of education escalate faster than normal inflation rates. Hence, one must fix on a coverage amount that includes the cost of inflation.

3. Also consider the liabilities you have:

The last thing you want is for your family members to bear the burden of your liabilities. So, if you have any loans or debts, make sure the sum assured covers these costs.