sap hcm insurance plan

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Hi,

for the coverage varaint I have defined it as DESG & DEMA. Its coverage for single and married employee. Like if single employee died in the course of work, they will be compensate 20 times of their salary and as for married employees they will be compensate 30 times of their salary.

As for the cost variant, I make use of smoker/non-smoker whereby the premium paid is different.

Hence i have 4 cost variant for:

Single employee that smokes

Single employee that do not smokes

Married employees that smokes

Married employees that do not smokes

When assigning insurance plan attribues, under the coverage option, i cant use the same name but the problem is my single employee whether they smokes or not they will be compensate 20 times of their salary. How do I configure this?

Thanks:)