Decrisk is an intelligent health insurance risk assessment service provider. Insurance companies, government agencies, and other interested parties can easily use Decrisk’s APIs to assess their customer’s health risk to calculate premiums and offer their packages. Decrisk utilizes the power of AI, natural language processing, and also "Image Processing" to process every individual's health data (and his/her family medical and health history) to adequately analyze all medical records and create quantitative indexes in each category. Based on these indexes Decrisk create a customizable risk report for each customer in requested categories. Based on this output, insurance companies, government agencies, and other interested parties can adjust premiums for their customers and manage their own costs.