As one of the meanings of the verb 'load', a
dictionary gives this one:
'add an extra charge to (an insurance premium)
in the case of a poorer risk'
Is 'poor risk' the same thing as 'high risk'?
Is the phrase used in surgery?
A "high risk" person is one who has a chance to be successful but the nature of their business is such that while some do succeed there are many that fail.
If you were considering the stock market for example. A "poor risk" stock would be one with little chance of giving you a good return on your money. A "high risk" stock could pay you a handsome return if it is successful but you must be prepared for it being a loser too, since it is a very uncertain investment....it is a gamble that could make you a lot of money...or cause you to lose everything.
Contrast that with "low risk"
In the stock market a "low risk" stock is one which will steadily increase in value and rarely fail...but the gains are not as great as the potential of a "high risk" stock.
"high/low/poor risk" can be assigned to many things.
"High risk" there is a chance for someone to get well but there is great danger that the surgery won't work and the patient will suffer because of it.
"Low risk" there is little chance the operation will fail. It is a routine operation with a high degree of success.
"Poor risk" There is little hope that the operation will be successful. It is not worth the effort to subject the patient to such a dangerous operation.