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.