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:

  1. Pre-existing conditions,
  2. Lifestyle patterns  that could lead to illness,
  3. History of physician  visitation,
  4. Any other issues  that would impact risk assessment and healthcare costs of individuals, and
  5. Include a paragraph  describing the reasoning behind the selection of the criteria for all drafted questions.