Waist-to-hip ratio is calculated by dividing the waist circumference by the hip circumference. 38/36 = a waist-to-hip ratio of 1.05. According to the standard set by the World Health Organization, a waist-to-hip ratio of more than 0.85 puts women at significant risk of obesity-related diseases. As a result Emily is, at present, at greater risk of chronic health conditions such as cancer, heart disease, and diabetes, as well as increased risk of mortality with age.