The major factors that affect the premium of health insurance in India for doctors are:

Age: As doctors age, their premium costs increase due to the higher risk of health issues and medical complications.

Pre-Existing Diseases (PED): Doctors with pre-existing diseases, such as high blood pressure or thyroid conditions, are considered high-risk and are charged higher premiums.

Body Mass Index (BMI): Doctors with high BMI are at a higher risk of developing health complications and are charged higher premiums.

Smoking Habits: Doctors who smoke are considered high-risk and are charged higher premiums due to the increased risk of health issues.

Occupation: Doctors working in high-risk environments, such as hospitals or clinics, may be charged higher premiums due to the increased risk of medical complications.

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