Insurers know we differ
http://personalfinance.iafrica.com/insurance/2595880.htm

Gender, like age or smoking, is used by financial services companies to predict risk profiles and set the price of premiums.

For instance, we know that women visit their doctors more frequently and, of course, they have babies. Some health-insurance providers therefore charge women more for their medical policies. Back in 2008, the National Women’s Law Centre in the US published a report on health-insurance companies that found that, in that country, the average 25-year-old woman could thus pay almost 45 percent more for her health plan than her male counterpart did.