Heavier weight, higher premiums

Obese people may be refused health insurance because of the risks associated with their excessive weight.

The scheme is being piloted in Sheffield where more than 7,000 are expected to be affected.

A number of insurers, including Norwich Union, currently consider anyone with a body mass index (BMI) of 30 or above to be a risk.

In 2004 reinsurer Swiss Re stated that the industry would have to take action, or increasing waistlines would lead to expanding premiums for everyone.

Under the industry plans people with a BMI of 30 – 35 may have to pay premiums that are at least 50 per cent higher than standard, while those with a BMI of above 35 may be denied health cover entirely.

Norwich Union's chief underwriter, Tony Judd, explained: "As the average weight of the population rises as it is doing, more people are going to have to pay more."

"Obesity knocks about eight years off the typical lifespan and that has huge ramifications for us as insurers," he added.

Director of The Obesity Awareness and Solutions Trust, Louise Diss, feels the idea is unfair.

"Sixty seven per cent of men and 52 per cent of women are overweight or obese in the UK," she said.

"By loading premiums, insurers are discriminating against a majority of people".