===Premium charged by different insurance companies for “Non-Smokers” for in different health classes===
===Premium charged by different insurance companies for “Smokers – less than 1 pack a day” in different health classes===
* The maximum difference between the premium charged for '''men is 49%''' while for '''women it is as high as 77%'''. This indicates that as the health category of women goes down the proportionate increase in premium is more than in case of men. So we can say insurance companies are '''more sensitive to the changes in the health conditions of women'''.<br>
===Premium charged by different insurance companies for “Smokers – more than 1 pack a day” in different health classes===
===Premium charged by different insurance companies for “Nicotine patch users” in different health classes===