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If you buy something through a link on this page, we may earn a small commission. How this works. This type of fat — referred to as visceral fat — is a major risk factor for type 2 diabetes, heart disease, and other conditions 1. Many health organizations use body mass index BMI to classify weight and predict the risk of metabolic disease. However, this is misleading, as people with excess belly fat are at an increased risk even if they look thin 2.