3.10 Underwriting, Risk Selection, and Risk Adjustment

Create a Health Risk Assessment (HRA) form for a private insurer in Saudi Arabia to assess individuals’ health and lifestyle to determine risk and premium cost. The HRA should include a list of questions in a survey format. The survey should include questions to determine:

• Pre-existing conditions,

• Lifestyle patterns that could lead to illness,

• History of physician visitation,

• Any other issues that would impact risk assessment and healthcare costs of individuals, and

• Include a paragraph describing the reasoning behind the selection of the criteria for all drafted questions.

The survey should consist of 8-10 questions.

• The paper should be at least 2 pages in length, not including the cover sheet, reference page, and questionnaire pages.

• Formatted according to APA standards.

• Provide support for your statements with in-text citations from a minimum of four scholarly articles.

Plagiarism free (less than 15%)

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