Insurance Underwriter(health)

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