1.    The terms and conditions of all policies issued by the company to physicians must be essentially uniform in terms and coverage.

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     2.    Notwithstanding subsection 1, the company may prescribe reasonable classifications of physicians’ and insureds’ activities and exposures based on good-faith determination of relative exposures and hazards among classifications and may vary the limits, coverages, exclusions, conditions, and loss-sharing provisions among classifications. Additionally, the company may describe, in the case of an individual physician within a class, reasonable variations in the terms of coverage including deductibles in loss-sharing provisions, based upon the insured’s prior loss experience and current professional training and capability.