{"id":7558,"date":"2020-02-04T08:36:24","date_gmt":"2020-02-04T07:36:24","guid":{"rendered":"https:\/\/www.prismalife.com\/prismawiki\/risk-assessment\/"},"modified":"2020-02-04T08:36:24","modified_gmt":"2020-02-04T07:36:24","slug":"risk-assessment","status":"publish","type":"encyclopedia","link":"https:\/\/www.prismalife.com\/en\/prismawiki\/risk-assessment\/","title":{"rendered":"Risk Assessment"},"content":{"rendered":"<p>Risk assessment is a procedure for assessing the risk of a potential <a href=\"https:\/\/www.prismalife.com\/en\/prismawiki\/policyholder\/\" target=\"_self\" title=\"The parties to an insurance contract are the insurer on the one hand and the policyholder on the other. Both, natural and legal persons are eligible as policyholders.\" class=\"encyclopedia\">policyholder<\/a> or insurance contract before the start of the contract. Risk assessment also refers to the process between the application by the <a href=\"https:\/\/www.prismalife.com\/en\/prismawiki\/policyholder\/\" target=\"_self\" title=\"The parties to an insurance contract are the insurer on the one hand and the policyholder on the other. Both, natural and legal persons are eligible as policyholders.\" class=\"encyclopedia\">policyholder<\/a> (insurance application) and the acceptance of the insurance contract by the insurance <a href=\"https:\/\/www.prismalife.com\/en\/prismawiki\/company\/\" target=\"_self\" title=\"Legal entities (e.g. e.V., GmbH, AG), partnerships (e.g. OHG, KG, GbR) or sole proprietorships.\" class=\"encyclopedia\">company<\/a>.<\/p>\n<p>The purpose of risk assessment is to determine whether an applicant or the risk to be insured is considered insurable under the General Terms and Conditions of Insurance (GTC) or whether there is a significantly increased risk compared to the calculation for &ldquo;normal risk&rdquo; (e.g. due to a recent heart attack of an applicant for life insurance).<\/p>","protected":false},"author":1,"template":"","encyclopedia-category":[],"encyclopedia-tag":[],"class_list":["post-7558","encyclopedia","type-encyclopedia","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/encyclopedia\/7558","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/encyclopedia"}],"about":[{"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/types\/encyclopedia"}],"author":[{"embeddable":true,"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/users\/1"}],"version-history":[{"count":0,"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/encyclopedia\/7558\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/media?parent=7558"}],"wp:term":[{"taxonomy":"encyclopedia-category","embeddable":true,"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/encyclopedia-category?post=7558"},{"taxonomy":"encyclopedia-tag","embeddable":true,"href":"https:\/\/www.prismalife.com\/en\/wp-json\/wp\/v2\/encyclopedia-tag?post=7558"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}