Medical Insurance (HCM-563) Underwriting, Risk Selection, and Risk Adjustment

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.
Your memo should meet the following structural requirements:
The memo should be 4-5 pages in length, not including the cover sheet and reference page.
Formatted according to APA writing standards.
Provide support for your statements with in-text citations from a minimum of seven scholarly articles.

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