Morbidity measures concern illness or disability occurrence within a defined population and period.
The distinction that matters
They differ from mortality and depend on the condition, data quality and measurement method; a population rate is not an individual diagnosis.
What to check
- Identify the condition and population.
- Check incidence versus prevalence.
- Review the period and data limitations.
Example to discuss
An insurer’s portfolio assumption should not be read as a prediction that a particular applicant will develop an illness.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.