Health · Chapter 13 · Covered Perils
Morbidity
Definition
The probability or risk of becoming ill or disabled — whether due to an accident or disease. Morbidity is to health insurance what mortality is to life insurance.
In plain English
Morbidity = odds of getting sick or hurt. Mortality = odds of dying.
Exam tip
⚠️ Classic swap: MORBIDITY = illness/disability risk · MORTALITY = death risk.
Easy to confuse with
These are what this term gets tested against — if you can't tell them apart cold, drill the contrast.
Related terms