If you've gone to a health care professional they should, imo, be at least capable of administering a caliber test to estimate body fat.
Failing that, hip to waist is far more accurate than BMI as an indicator of risk of CV related diseases/illnesses
"Using BMI (≥ 30 kg/m2) as a surrogate for obesity, we found that 20.8% of men and 30.7% of women were classified as obese. When using the World Health Organization gold standard definition of obesity, 50% of men and 62.1% of women were classified as obese."
https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2877506/#S11title
"
Conclusions: Obesity assessed by waist–hip ratio is a better predictor of CVD and CHD mortality than waist circumference, which, in turn, is a better predictor than BMI. The recognition of central obesity is clinically important, as lifestyle intervention is likely to provide significant health benefits."
https://www.mja.com.au/journal/2003...tor-predicting-cardiovascular-death-australia
"Abdominal obesity is increasingly recognized as a major risk factor for cardiovascular disease (CVD). Compared with body mass index (BMI), anthropometric measures of abdominal obesity [e.g. waist circumference (WC), waist-to-hip ratio (WHR), sagittal abdominal diameter] appear to be more strongly associated with metabolic risk factors,
1,
2 incident CVD events, and death.
3–
7 T"
http://eurheartj.oxfordjournals.org/content/28/7/850