Children's health insurance rates based on weight

Kim Morris | April 20, 2009

Severely overweight or underweight adults have always been ineligible for preferred risk insurance rates. Weight and body build are traditionally used within the medical field and insurance industry as a predictor of future medical issues.

But now, for the first time to our knowledge, the same principle is being applied to children's health insurance rates. Celtic Insurance, one of the nation's premier preferred risk insurance companies, revised its underwriting guidelines to include tiered rating classes for children based on body build. The move will likely allow the insurer to maintaina price advantage over other insurance companies for applicants that fall within its preferred risk target market. Celtic Insurance was recently highlighted by MedSave.com in the article "Trends in Children's Health Insurance" for its liberal acceptance of child applicants.

Rated for medically overweight or underweight applicants range from 10% to 40% more than the rates for individuals who fall within AMA ideal build profiles. Celticenrollment.com will publish more detailed information on this topic in the near future.

Tags : overweight, childrens health insurance

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