Senior health underwriter

We're Hiring | Senior Health Underwriter

Department: Health & Employee Benefits

Experience: Minimum 5 Years

Location: Mumbai Thane

Employment Type: Full-Time

Are you an experienced Health Underwriter with strong medical risk assessment skills and a passion for making informed underwriting decisions We are looking for a skilled professional to join our Health & Employee Benefits team.

Key Responsibilities

• Evaluate health insurance applications, including new business, reinstatements, additions, and deductible changes.
• Assess morbidity risks and determine appropriate risk classifications in line with underwriting and reinsurance guidelines.
• Review medical histories, complex cases, co-morbidities, and high-risk applications.
• Ensure accurate and timely case assessment within the prescribed 24–48-hour turnaround time.
• Communicate underwriting decisions, additional requirements, and case updates to relevant stakeholders.
• Manage exclusions, appeals, and reconsideration requests.
• Maintain underwriting guidelines, documentation, and compliance with applicable regulations.
• Collaborate with management and the Medical Director on complex underwriting cases.
• Support audits, reinsurance administration, case management, and training initiatives.

Required Qualifications & Experience

• Minimum 5 years of underwriting experience.
• Bachelor's degree in Business, Science, or equivalent professional experience.
• FLMI and FALU designations are mandatory.
• Strong knowledge of health underwriting principles, medical risk assessment, and reinsurance guidelines.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Office applications.
• Strong analytical, organizational, decision-making, and problem-solving skills.

Ideal Candidate Profile

A detail-oriented professional who can independently evaluate complex medical cases, manage competing priorities, maintain confidentiality, and deliver accurate underwriting decisions within defined timelines.

Interested candidates: Apply through LinkedIn or share your updated CV at [[Confidential Information]].

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