Diploma in Biometric Risk in Professional Drivers
Online postgraduate diploma of 800 hours in biometric risk in professional drivers. 8 modules covering biometric and actuarial risk, the professional driver, health and claims data, statistical models, underwriting, prevention and portfolio management, with Solvency II, the GDPR and R, with an assigned technical tutor.
Take the controls.
Run a real engineering trade-off from this field. Move the sliders, watch the model react in real time and beat the challenge.
What you will be able to do
Understand the fundamentals of biometric risk and its pricing.
Analyse the health factors specific to professional drivers.
Process health and claims data in compliance with the GDPR.
Build statistical models of mortality and disability.
Define underwriting criteria for groups of drivers.
Design prevention programmes that reduce claims.
Develop profitable and solvent group products.
Who it's for
- Life and health actuaries pricing group cover.
- Group insurance underwriters assessing occupational risks.
- Claims data analysts working with health and sick leave data.
- Occupational risk prevention technicians in transport companies.
- Fleet risk managers responsible for driver health and safety.
- Employee benefits consultants advising transport employers.
- Engineering or science graduates looking to move into insurance.
What you'll work with
- Directive 2009/138/EC Solvency II (insurer capital and solvency requirements)
- Royal Decree 1060/2015 ROSSEAR (Spanish regulation on insurer supervision and solvency)
- DGSFP Resolution of 17 December 2020 (PERM/F 2020 biometric tables)
- Regulation (EU) 2016/679 GDPR (protection of personal and health data)
- Royal Decree 818/2009 (Spanish General Drivers Regulation, medical fitness)
- Regulation (EC) 561/2006 (driving times and rest periods)
- Spanish Occupational Risk Prevention Act 31/1995 (health and safety at work)
- R
- Python with lifelines
- SAS
- Microsoft Power BI
8 modules
1.1Mortality, morbidity and disability1.2Biometric tables and how they are built1.3PERM/F 2020 tables and experience tables1.4Temporary and permanent disability1.5Longevity and trend risk1.6Adverse selection and moral hazard1.7Group life and accident insurance1.8Pricing principles1.9Solvency II and life underwriting risk1.10Workshop: calculating a disability risk premium
2.1Profiles: lorry, bus, delivery and machinery2.2Driving times under Regulation 561/20062.3Psychophysical requirements of Royal Decree 818/20092.4Sedentary lifestyle and cardiovascular disease2.5Sleep apnoea and drowsiness2.6Musculoskeletal disorders2.7Exposure to whole-body vibration2.8Ageing of the driver population2.9Work-related road accidents2.10Practical exercise: risk profile of a transport fleet
3.1Internal and public data sources3.2Statistics on work-related traffic accidents3.3Medical examinations and health surveillance3.4Sick leave data3.5Data quality and bias3.6Anonymisation and GDPR Article 93.7Combining heterogeneous sources3.8Exploratory analysis3.9Exposure indicators3.10Case study: cleaning a claims database
4.1Generalised linear models4.2Cox survival models4.3Multi-state transition models4.4Credibility and own experience4.5Individual risk factors4.6Frequency and severity models4.7Validation and back-testing4.8Machine learning in pricing4.9Model explainability4.10Lab: disability model in R
5.1Health questionnaires5.2Loadings and exclusions5.3Simplified underwriting for groups5.4Occupational factors5.5Telematics and driving5.6Insurance medicine5.7Non-discrimination and fairness5.8Biometric risk reinsurance5.9Underwriting audit5.10Practical exercise: underwriting guide for drivers
6.1Spanish Occupational Risk Prevention Act 31/19956.2Mobility and road safety plans6.3Cardiovascular health programmes6.4Fatigue and drowsiness detection6.5Cab ergonomics6.6Defensive driving training6.7Premium incentives for prevention6.8Return on prevention investment6.9Programme evaluation6.10Case study: prevention programme at a bus company
7.1Group life and accident insurance7.2Temporary disability insurance7.3Supplementary cover under collective agreements7.4Product design for fleets7.5Technical reserves7.6Portfolio profitability and monitoring7.7Disability claims management7.8Return to work7.9Reports to management7.10Workshop: designing a group product
8.1Definition of the group8.2Data collection and processing8.3Exploratory analysis8.4Building the risk model8.5Pricing the cover8.6Prevention proposal8.7Solvency analysis8.8Conclusions8.9Report and presentation8.10Final project: final review with the tutor
How you'll learn
100% online training on the SEIUM campus, with downloadable material, recorded classes and an assigned technical tutor. There are no fixed timetables: you progress at your own pace within the intake, so it can be combined with work.
Each module combines theory, guided reading of the original regulations and applied exercises. The working software is R, Python with lifelines, SAS and Microsoft Power BI, in free, academic or evaluation versions. Exercises are based on real procedures: pricing of groups of professional drivers, analysis of sick leave in transport fleets and evaluation of health prevention programmes. Assessment is continuous by module, plus the final project.
Standards covered: Directive 2009/138/EC (Solvency II), Royal Decree 1060/2015 (ROSSEAR), DGSFP Resolution of 17 December 2020 (PERM/F 2020 tables), Regulation (EU) 2016/679 (GDPR), Royal Decree 818/2009 (General Drivers Regulation), Regulation (EC) 561/2006, Spanish Occupational Risk Prevention Act 31/1995.
Build it end to end
Your final project follows the real engineering workflow, step by step, reviewed by your tutor.
Where this takes you
Requirements
- Prior technical training or professional experience in the sector. No university degree is required.
- An internet connection and a computer capable of running the programme software.
- English sufficient to read technical standards.
Ready to start?
Send your application today. Our admissions team replies within 72 hours with your study plan and funding options.
Frequently asked questions
The programme totals 800 hours over 6–8 months. You set your own pace within each intake, and your tutor helps you plan the workload around your job.
You work with R, Python with lifelines, SAS and Microsoft Power BI, using free, academic or evaluation versions. Your tutor indicates the free alternative wherever one exists.
A SEIUM Institute diploma, awarded on passing the continuous assessment and the final project. It is SEIUM's own qualification, not an official state degree; its recognition depends on the programme completed and the regulations of each country.
Yes. Modules passed are recognised in a higher programme in the same area (postgraduate diploma or master's). Ask about the recognition policy when you enrol.
Prior technical training or professional experience in the sector (no university degree required), a computer able to run the software, and English sufficient to read technical standards.
Start dates are set by SEIUM's faculty for each intake. Our admissions team will confirm the next available date when you apply.
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