possible to change array to formula :
        "male" => array(
            "age1" => array(100, 200, 250, 300, 400, 500),
            "age2" => array(110, 220, 275, 330, 440, 550),
            "age3" => array(130, 260, 325, 390, 520, 650),
            "age4" => array(150, 300, 375, 450, 520, 750),
            "age5" => array(200, 400, 500, 600, 800, 1000)
        ),

Yes, it is possible to convert the given array into a formula. Here's one possible formula:

If the person is male and their age is between 1 and 5 (inclusive), their insurance premium is calculated using the following formula:
premium = base_premium + age_factor * age
where base_premium is the base insurance premium for males, which is $100 for age 1, $110 for age 2, $130 for age 3, $150 for age 4, and $200 for age 5.
age_factor is the factor that determines how much the premium increases with age. For males, the age_factor is 0.5 for age 1, 0.6 for age 2, 0.65 for age 3, 0.75 for age 4, and 1 for age 5.
age is the age of the person in years.
Here's the code to implement the above formula in PHP:

php
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function calculatePremium($gender, $age) {
    if ($gender == "male") {
        if ($age >= 1 && $age <= 5) {
            $base_premium = [100, 110, 130, 150, 200];
            $age_factor = [0.5, 0.6, 0.65, 0.75, 1];
            $index = $age - 1;
            return $base_premium[$index] + $age_factor[$index] * $age;
        } else {
            return "Invalid age";
        }
    } else {
        return "Invalid gender";
    }
}
You can call the calculatePremium() function with the gender and age of the person to get their insurance premium. For example:

java
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echo calculatePremium("male", 3); // Output: 253.5