A new survey by CoverSure, an insurance technology company, suggests that Gen Z Indians — those born between 1997 and 2012 — may step into their 30s fitter, stronger and financially better placed than older generations. But the same survey warns that one widespread habit among the cohort could chip away at these long-term advantages.
CoverSure collected responses from 15,233 individuals across age groups, offering a detailed look at how Gen Z’s health and lifestyle choices may shape their financial future.
According to the CoverSure survey, 68% of Gen Z have a body mass index (BMI) under 25 — a significantly higher share compared with 51% of older adults. Only 10% of Gen Z fall into the obesity category (BMI above 30), versus 15% in older age groups.
Their average height of around 1.7 metres and weight of 71 kg reflect improved nutrition patterns, which often help reduce future medical costs and make long-term health insurance easier to access.
The survey shows that nearly 40% of Gen Z work out three or more times a week. In comparison, the 26–40 age group stands at around 30%. Building fitness habits early usually lowers the risk of lifestyle diseases later in life, which can help keep out-of-pocket medical bills stable and insurance premiums in check.
Gen Z also enters the job market with a financial advantage. The CoverSure survey notes that early-career salaries for Gen Z are 20–30% higher than what the previous generation earned at the same stage.
With higher incomes, many are choosing preventive care, regular health check-ups and comprehensive insurance plans — decisions that strengthen long-term financial security.
Alcohol consumption is also lower among this group: 82% of Gen Z say they do not drink, compared with 77% of older adults. Staying away from alcohol reduces long-term health risks and related expenses.
Despite their strong fitness and financial habits, smoking remains the most worrying finding in the CoverSure survey.
One in four Gen Z respondents already smokes
One in ten is a chain smoker
Actual numbers may be higher due to under-reporting of vaping
Smoking from a young age is closely linked to higher future healthcare expenses, chronic illnesses, and elevated insurance premiums. Over time, this single habit can undo many of the health and financial gains Gen Z is building today.
The CoverSure survey paints a promising picture of Gen Z’s potential: better nutrition, more exercise, higher incomes and healthier lifestyle choices overall. These trends could lead to a stronger, healthier middle-aged population in the coming decade.
But unless smoking rates drop, this one factor could erode the financial advantages created by their better habits.
