Introduction
As a direct consequence of individuality, people typically differ in a number of medical, physical and socio-economic characteristics, for example by age, profession, severity of an accident in the workplace, time off work and speed of recovery. Groups of patients with resource needs, for example representing those who are a particular age or those who have had a particular injury, are usually considered as groups of patients with similar needs. In fact these groups are typically heterogeneous and require more detailed modelling for classification. Resulting resource needs and corresponding costs vary from person to person within each group.
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