Saudi Electronic University Health Risk Assessment Paper

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Business Finance

Description

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 

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Explanation & Answer

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Running head: HEALTH RISK ASSESSMENT

Health Risk Assessment
Student’s Name
Institution Affiliation
Date

1

HEALTH RISK ASSESSMENT

2

Frequency and Purpose of an HRA.
A Health Risk Assessments (HRA), sometimes called Health Risk Appraisals, are
instruments for collecting information related to health, and it is done hand in hand with the
process of biometric testing so that the status, habits, and risks of someone’s health can be
assessed(Schilling, 2021). It also includes evaluating the health of employees, promoting
prevention, shaping their lifestyle choices, amongst various other health benefits. An HRA
can include a questionnaire or even customized feedback on what can be done to reduce the
chances of health risks, prevent disease, and maintain good health. An HRA can include
questions on:
1. Lifestyle behaviors such as smoking or tobacco use, exercise, and eating habits.
2. Physical health which includes weight, cholesterol levels, and blood pressure.
3. Demographic characteristics like gender and age.
4. Emotional health including stress and mood.
5. Preparedness to make changes that can improve one’s health.
6. Preventive screenings, and previous or current health status.
Frequently carrying out HRAs is the only ensuring they are effective. It is thus
necessary to have an HRA at least once a year to ensure that everything is working as
expected, even if there is nothing at risk. However, irrespective of the last time one had an
HRA, they should have another one as soon as they notice something is wrong with their
body. Therefore, the bare minimum is needed to determine any potential health hazard. While
there is a bare minimum, people, especially employees, should not settle for this m...


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