This doesn't make much sense - insurance is about sharing risk amoung common entities, so increasing the premiums based on risk on micro-factors isn't really th

This doesn't make much sense - insurance is about sharing risk amoung common entities, so increasing the premiums based on risk on micro-factors isn't really that helpful. You would probably get good enough performance from a couple of basic, easily obtained variables (age, weight, family history), instead of tracking, organizing and figuring out all of these variables.