Open Position: Medical Insurance Underwriter

Location: Dubai

Job Type: Full Time

Job Description:

Overview: We are urgently seeking a highly skilled and experienced Medical Insurance Underwriter to join our team. The ideal candidate will have extensive experience in medical insurance underwriting, with a strong preference for those who have worked with leading insurance companies. The candidate should be proficient in risk assessment, policy evaluation, and client management. This role will be based in Dubai.

Key Responsibilities:

1. Underwrite both SME and corporate health insurance policies, including new and renewal business.
2. Determine the terms and conditions of health insurance policies based on risk assessment.
3. Assess coverage limits, co-pays, and exclusions to ensure alignment with insurer’s guidelines.
4. Perform detailed analysis and evaluate reasons for adverse policy performance to provide specific renewal terms and conditions.
5. Recommend alternative solutions, such as plan design changes, to retain policyholders and meet business goals.
6. Ensure compliance with DHA/DOH regulations and prepare schedules of benefits in line with HAAD compliance.
7. Extract and analyze loss ratio and utilization reports from various TPA portals.
8. Collaborate with brokers and agents to obtain necessary information and clarify policy details.
9. Support and coordinate with managers to manage client expectations.
10. Maintain and manage client claims data (DHA and raw data).

Qualifications:

1. Minimum of 5 years of experience in medical insurance underwriting.
2. Proven track record with leading insurance companies is highly preferred.
3. Strong analytical and problem-solving skills.
4. Excellent communication and interpersonal skills.
5. Proficiency in using relevant software and tools for underwriting and reporting.
6. Familiarity with DHA/DOH compliance rules and HAAD regulations.

Benefits:

1. Competitive salary and benefits package.
2. Annual air ticket.
3. Opportunities for professional development and career advancement.
4. A supportive and collaborative work environment