Saudi Electronic University Health Risk Assessment Paper


A Health Risk Assessment (HRA) form allows a private insurer in Saudi Arabia to assess an individual’s health and lifestyle. You have been tasked with drafting a memo to the CEO addressing how an HRA could help your insurance company.  Be sure to address the following components: 

Frequency and purpose of an HRA;
Examples of questions asked on an HRA;
The impact of an HRA on risk and premium cost;
Negative implications of HRAs on those with chronic illness; and
Best practices involving HRAs.
If you need more supporting articles 


Awwad, F. A., & Ali Ismail, E. A. (2018). Evaluation of the degree of policyholder’s risk for the individual’s health insurance coverage. Cogent Business & Management, 5(1), 1477499
Chauhan, V. (2019). Medical Underwriting and Rating Modalities in Health Insurance. Journal of the Insurance Institute of India, 6(4), 14–18.
Pribadi, K. H. (2018). Underwriting process (risk selection) Marine Hull Case Study at PT. Jasa Raharja Putra Insurance. In W. M. Chang & D. D. Kesa (Eds.), The 2nd International Conference on Vocational Higher Education (ICVHE) 2017 (pp. 584-597). Dubai, UAE: KnEPublishing


Benyoussef, S., & Hemrit, W. (2019). Measuring the relative efficiency of insurance companies in Saudi Arabia: The case study of Takaful vs cooperative industries. Cogent Economics & Finance, 7(1),

Leave a Comment

Your email address will not be published. Required fields are marked *