How do i get Rider insurance?

Hi Ansel,

Your mom can indeed buy insurance for you, but the choice does lie with her. Still, at a minimum she should get a hospitalization plan (and a rider) for you.

Insurance policies can be categorized into those with no underwriting, simplified underwriting, or full underwriting. In the full underwriting case, you will have to declare multiple aspects of your health, including data such as your height and weight.

Traditionally, a high BMI is associated with an increased risk of health related issues later in life; hence the insurers will be more cautious about offering terms, especially for hospitalization plans or critical illness. So being overweight might actually have an impact on your underwriting outcome. Once you are offered non-standard terms, you will have to declare this in future for all policies you apply for, no matter how far in the future (except those without underwriting). Hence, you'll want to avoid being offered sub-standard terms. A person who is of normal build and healthy will most likely have standard terms offered, which is good for his 'profile' for future insurance applications.

A higher BMI would affect eligibility of certain types of insurance policies. Usually it would be an outright rejection as you have mentioned, a loading (accept but higher adjusted premiums), or exclusions (won't cover specific conditions).

Statistically a person with a high BMI may develop illnesses and die earlier than their peers and thus, this has been factored in by the underwriters who are issuing you the policy.