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Prompttech Solutions
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Medical Underwriter

Medical Underwriter

Prompttech Solutions

1 - 3 years

2 - 6 Lacs

thiruvananthapuram

Posted:14 hours ago| Platform:

Apply

Skills Required

medical underwriting health insurance claims diagnostics risk assessment analytical life sciences insurance underwriting risk management continuous improvement

Work Mode

Work from Office

Job Type

Full Time

Job Description

We are seeking a highly analytical and detail-oriented Medical Underwriter to join our team. This is a critical role responsible for evaluating complex medical and non-medical data to assess risk and determine appropriate insurance decisions. You will directly impact our business by setting the eligibility, coverage amount, and premium rates for applicants, ensuring decisions are fair, accurate, and compliant.
This is a full-time, permanent, and exclusively in-person position.

Key Responsibilities:

Application Review:
Thoroughly evaluate insurance applications, detailed medical reports, health records, and diagnostic tests.
Risk Assessment:
Quantify the degree of medical risk associated with applicants to determine their insurability.
Decision Making:
Classify applications and recommend
approval, modification (e.g., rate-up), or decline
based on established underwriting guidelines.
Communication Liaison:
Liaise professionally with
medical professionals, agents, and internal departments
to acquire necessary supplemental information.
Compliance Accuracy:
Ensure all underwriting decisions comply with company policies, legal regulations, and risk management principles.
Record Keeping:
Maintain detailed, accurate underwriting records and documentation.
Continuous Improvement:
Stay current on medical and insurance industry developments to improve processes and risk assessment tools.

Qualifications Skills
Education:

Bachelor s degree
in Life Sciences, Medicine, Nursing, or a related analytical field.
Preferred:
Professional Certification in underwriting or insurance (LOMA, ALU, etc.).
Experience
Proven experience
in life or health insurance underwriting is required.
Preferred:
1-3 years of dedicated experience in medical underwriting.
Strong understanding of
risk assessment principles, policy terms, and claims processes

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Prompttech Solutions

Information Technology

San Francisco

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Medical Underwriter

Experience & Salary

Skills Required

Work Mode

Job Type

Job Description

Application Review:

Risk Assessment:

Decision Making:

approval, modification (e.g., rate-up), or decline

Communication Liaison:

medical professionals, agents, and internal departments

Compliance Accuracy:

Record Keeping:

Continuous Improvement:

Bachelor s degree

Proven experience

Preferred:

risk assessment principles, policy terms, and claims processes

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