Health Risk Assessment Program for Employees

The health risk assessment program identifies the health and quality of life of the employee at the workplace.h It consists of three elements, a risk calculation score, a risk calculation score, a set of questions and a form of counseling on basis of which a doctor advises the employee.

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*Premium starting from ₹110/Employee/Month for ₹1 Lac Sum Insured covering Health & Wellness Needs (excluding GST)
#Premium may vary on the basis of coverage type & add-ons
**All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

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Disclaimer: The above plans and premiums are for 1 Lakh sum per life per month covering Health and Wellness needs of 7 Employees, 5 Spouse & 2 Kids below 35 years of age. The premium is inclusive of GST and do not cover PEDs & Maternity. Standard T&C Apply PolicyBazaar does not rate, endorse or recommend any particular insurer or insurance product offered by the insurer.

Three Elements of Health Risk Assessment

As we have mentioned the three elements of health risk assessment in the above paragraph. Let us tell you in brief about these elements.

  1. Set of Questions

    Set of Questions

    It is supplemented as a clinical examination that consists of questions regarding hygiene habits and general diseases and lifestyles. With the help of this examination, HR gets an idea about the kind of support and services an employee would require.

  2. Risk Calculation

    Risk Calculation

    After this examination, HR gets an idea about the diseases from which each and every employee is suffering that might affect the employee in the long run. In return, this helps the organization as it decreases the chances of employees falling ill because the health risk assessment helps the organization learn about the health conditions of the employees in advance and they get prepared for it.

  3. Counseling

    Employee discussion

    After the examination and risk calculation, whichever employee is suffering from a disease or having any other issues in the office gets to consult with the HR or whoever is authorized and the required solution is provided to them.

Steps of Health Risk Assessment

Here are the following steps of health risk assessment:

Step 1: Identify the disease of the employee

Step 2: Decide who would be harmed and how?

Step 3: Evaluate the risks associated and get ready for precautions.

Step 4: Make a record of the data and implement it.

Step 5: Review the assessment and if required you can update it.

Step 6: As per the health risk of the employee, do the counseling.

Importance of Health Risk Assessment

Here are some of the important factors of health risk assessment:

  1. Increase Engagement

    Increase Engagement

    In order to create a positive and productive working environment, employers have to understand the employee well and create a system that makes them feel worthy and important. Health risk assessment helps the employer under the important factors to consider while organizing the wellness strategies.

  2. Health-risk Decreases

    Healing Steps

    With the help of health risk assessment, employees get to understand their unhealthy lifestyle. Once you get this assessment done and give feedback to your employees, they try to switch their bad habits into good ones. This helps and decreases the health risks which were overlooked earlier.

  3. Healthcare Costs are Reduced

    Healthcare Cost Reduction

    Many organizations provide group health insurance policies to their employees that provide them financial coverage against any unforeseen medical costs. This helps the employees take the unforeseen financial get off of their shoulders. However, the health risk assessment assists the employees so that they can learn about their health conditions and prevent any unforeseen health conditions from happening.

What Should Be Done Before HRA?

An employer should make sure that confidentiality and anonymity are maintained throughout the health risk assessment program. Since the health condition of an employee is a private matter that they would not want to be disclosed.

Security of Employee

The employers should analyze as the group level results would help them support the employees in aggregate. In order to increase the credibility of the findings, the employer needs to increase the participation of employees. The more employees will participate, the better results will come out that will eventually ensure meaningful results.

According to these results, the employer will take action for better opportunities for both employees and employers. In order to make your employees believe that there is full confidentiality, more employees need to participate as it will spread a positive vibe around the organization and lighten up the concerns about the anonymity of the process.


Health risk assessment helps the employer understand the health conditions of the employees as well as help the employees understand their state of health. If the HRA is conducted periodically, it will eventually help the employers learn about the company’s progress and also analyze their data that will help them implement an effective wellness program in the company. Hence a comprehensive approach to health and safety management can be achieved in the health risk assessments conducted in the organization every now and then.

Written By: PolicyBazaar - Updated: 08 July 2022
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