title: [Medical insurance estimation of risks].
abstract: The purpose of insurance medicine is to make a prognostic estimate of medical risk-factors in persons who apply for life, health, or accident insurance. Established risk-groups with a calculated average mortality and morbidity form the basis for premium rates and insurance terms. In most cases the applicant is accepted for insurance after a self-assessment of his health. Only around one per cent of the applications are refused, but there are cases in which the premium is raised, temporarily or permanently. It is often a matter of rough estimate, since the knowlege of the long-term prognosis for many diseases is incomplete. The insurance companies' rules for estimate of risk are revised at intervals of three or four years. The estimate of risk as regards life insurance has been gradually liberalised, while the medical conditions for health insurance have become stricter owing to an increase in the claims rate.
mesh_terms: D003327:Coronary Disease / Q000401:mortality; D003365:Costs and Cost Analysis; D003669:Deductibles and Coinsurance; D005260:Female; D006801:Humans; D006973:Hypertension / Q000401:mortality; D007346:Insurance, Accident; D007348:Insurance, Health; D007352:Insurance, Life; D008017:Life Expectancy; D008297:Male; D013548:Sweden
vernacular_title: Försäkringsmedicinsk riskbedömning