The data of insurance companies are all the results of field investigation and research. Will not produce false data because it is illegal. If you feel uncomfortable, you can call the consumer association to sue/
The probability of 72% means your incidence, not 100. 72 people will get sick.
You also know that pollution is very serious in this era, and the pressure of work and life is the cause of major diseases. I believe you know that a good attitude and living habits will make you have a better figure.
I hope my answer can help you.