Consultant Medical Underwriter
Job Summary
We are looking for Medical Underwriters to join our healthcare and insurance operations
team. The role involves reviewing medical information, evaluating health risks, applying
underwriting guidelines, and supporting accurate and timely insurance decisions.
Key Responsibilities
- Review and assess medical information received from customers/proposals.
- Evaluate medical history, diagnoses, investigations, reports, and other relevant health
information.
- Apply defined **medical underwriting guidelines and risk assessment principles**.
- Identify medical risk factors and assess their impact on insurance eligibility.
- Review medical examination and tele/video medical examination reports, wherever
applicable.
- Take appropriate underwriting decisions based on established rules, guidelines, and
insurer requirements.
- Identify cases requiring additional medical information or clarification.
- Maintain accuracy and quality while processing cases within defined TAT.
- Coordinate with internal teams, medical professionals, and insurance partners when
required.
- Ensure proper documentation and compliance with underwriting processes.
- Maintain confidentiality of customer and medical information.
- Support quality improvement and process enhancement initiatives.
Required Skills
- Basic understanding of medical terminology and human anatomy.
- Good understanding of common diseases, medical conditions, investigations, and
treatments.
- Ability to interpret medical reports and health-related information.
- Strong analytical and decision-making skills.
- Good attention to detail.
- Ability to work within defined TAT and quality parameters.
- Good written and verbal communication skills.
- Basic knowledge of MS Excel and computer applications.
- Ability to follow SOPs, underwriting guidelines, and process requirements.
Qualification
- BAMS / BHMS / B.Pharm / BPT / MBBS or other relevant healthcare qualifications.
- Candidates with relevant **insurance or medical underwriting experience** will be
preferred.
- Freshers with a relevant medical/healthcare background may also apply.
Experience
- Freshers can apply.
- Experience in medical underwriting, insurance operations, healthcare, medical claims,
tele-underwriting, or medical review will be an advantage.
Key Competencies
Medical Knowledge | Risk Assessment | Analytical Thinking | Decision Making | Attention
to Detail | Quality Focus | TAT Management | Communication | Insurance Understanding
What You Will Learn
- Medical underwriting fundamentals
- Insurance risk assessment
- Medical report interpretation
- Underwriting guidelines and decision-making
- Healthcare and insurance processes
- Quality and TAT management
- Exposure to digital/tele-underwriting processes
Role Type
Position: Medical Underwriter
Department: Medical Underwriting / Insurance Operations
Experience:Freshers & Experienced Candidates
Employment Type:Full-Time
Pay: ₹20,000.00 - ₹35,000.00 per month
Benefits:
Work Location: In person
