However, 36 is a dangerous range if having low fitness and low muscle mass my friend.
I’m not going to lie, that could be denial criteria for you and maybe it better you go after the non O visa instead as it doesn’t have this insurance requirement.
Your rate will be almost entirely based on your health, age and preexisting conditions. You will out right be declined for things like obesity (as an example).
The insurance company provides a page with a stamp, that’s what they want for the visa application.