Question

What is the definition of morbidity rate?

a.

The ratio of total deaths that occurred in a given group of people in a certain area over a specified/defined period of time

b.

The frequency with which a disease appears in a group of people on the basis of their age, gender, occupation, etc.

c.

The number of deaths in a given time in a given population

d.

The probability that a certain individual will die before his next birthday, on the basis of his age

Posted under IC22 Life Insurance Underwriting

Answer: (b).The frequency with which a disease appears in a group of people on the basis of their age, gender, occupation, etc. Explanation:Morbidity rate is a measure of the frequency with which a particular disease or illness appears in a given population over a specified period of time. It is based on factors such as age, gender, occupation, and other relevant criteria. Insurers use morbidity rates to predict the likelihood that an insured will contract or develop a specified disease or medical condition.

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