Riskpoäng

Riskpoäng is a term used in Swedish-language risk assessment to describe a numerical score that expresses the level of risk associated with a person, activity, object, or process. A riskpoäng is typically produced by aggregating multiple risk factors, each weighted according to its perceived importance, complexity, or historical impact. The resulting score enables comparison across items, tracking of changes over time, and supports decision-making on prioritization, mitigation, pricing, or resource allocation. While the exact calculation varies by domain, most systems convert factors such as likelihood, potential harm, exposure, and detectability into a single composite number. Some implementations use simple point-based rules, others rely on probabilistic models or machine learning to map input features to a predicted risk probability and then to a score.

In practice, riskpoäng appears in insurance underwriting to influence premiums or coverage terms, in healthcare to flag patients at high risk for adverse events, in workplace safety to prioritize controls, and in finance to support credit and capital decisions. It is also used in project management and compliance to monitor risk exposure and trigger response plans.

Limitations include dependence on data quality, the subjectivity of factor selection, changing conditions, and potential bias. A riskpoäng should be interpreted in context, considering the underlying factors and the time horizon, and used together with qualitative assessments and risk controls.