Key Responsibilities:
- Review health insurance applications, supporting documents, and medical reports to evaluate eligibility and determine risk.
- Analyze individual and group health risks to decide whether to approve or decline coverage or suggest modifications.
- Collaborate with insurance carriers to finalize underwriting decisions and ensure compliance with guidelines.
- Recommend appropriate coverage terms, exclusions, and premiums based on risk analysis.
- Maintain accurate underwriting records and ensure timely processing of applications.
- Communicate underwriting decisions clearly to internal teams and clients with rationale.
- Stay updated with industry trends, medical cost trends, IRDAI regulations, and underwriting practices.
- Assist the sales and operations team in resolving client queries related to underwriting and coverage eligibility.
- Monitor and review renewals to assess claim history and adjust premiums or terms as needed.
- Participate in audits, training programs, and development of underwriting tools and guidelines.
Required Skills & Qualifications:
- Bachelor’s degree in Insurance, Healthcare, Business Administration, or a related field.
- Minimum 2–5 years of experience in health insurance underwriting, preferably in a broker setup.
- Strong knowledge of health insurance products, underwriting principles, and IRDAI guidelines.
- Proficient in interpreting medical and diagnostic reports.
- Analytical thinking and attention to detail.
- Excellent written and verbal communication skills.
- Familiarity with insurance software and tools.
Preferred Qualifications:
- Certification in Health Insurance or Underwriting (e.g., LOMA, III, AHIP) is a plus.
- Experience with group health policies and corporate accounts.
Let me know if you’d like a shorter version for internal use or to align it with your company’s tone or branding.
Job Type: Full-time
Pay: ₹20,000.00 - ₹40,000.00 per month
Benefits:
- Cell phone reimbursement
- Health insurance
- Paid sick time
- Paid time off
- Provident Fund
Work Location: In person
Speak with the employer
+91 9971554263