premiums are assessed by actuaries - the probability of death under given current circumstances such as current age , health history geographical location etc.
I would not endevour to explain your health care premiums over there . Suffice it to say that ignoring our NHS over here which covers everything from the time of conception though to pushing up the daisies , there is no such thing as private cover for pre-exisiting conditions other than maybe at higher rates and that has been so since the '70s. Private health insurance premiums here also increase with age, quite substantially , which I why I dumped that lark about 10 years ago.
btw - I would doubt I am a smarter person that you. Were that to be the case I wouldn't have 80 or so banjos and at least 25 guitars none of which I can play.
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