Job Description

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