Underwriting, Risk Selection, and Risk Adjustment (healthcare insurance)

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 and Saudi Electronic University writing standards. Provide support for your statements with in-text citations from a minimum of four scholarly articles. Two of these sources may be from the class readings, textbook, or lectures, but two must be external. The Saudi Digital Library is a good place to find these references