GROUP MEDICAL UNDERWRITER OFFICER
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Key skills for this role
About the Role
About Takaful Emarat Founded in 2008, Takaful Emarat Insurance PSC is one of the UAE’s leading providers of Shariah-compliant Life and Health Takaful solutions.
Key Skills for This Role
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About Takaful Emarat
Founded in 2008, Takaful Emarat Insurance PSC is one of the UAE’s leading providers of Shariah-compliant Life and Health Takaful solutions.
We offer a broad portfolio of individual and corporate products including protection, savings, and investment plans delivered through a variety of trusted distribution channels.
At Takaful Emarat, we are driven by a commitment to ethical practices, financial strength, and innovation.
Our goal is to create long-term value for our customers, shareholders, and the wider community, while setting new benchmarks in service, digital transformation, and customer experience.
We are looking for a detail-oriented and analytical Group Medical Underwriter
to join our Medical Underwriting team.
The successful candidate will be responsible for evaluating and underwriting group medical insurance risks, supporting business growth while ensuring profitability, compliance, and exceptional service standards.
Key Responsibilities
- Analyzes and reviews Groupquotations (new cases & renewals) as requested by the Sales Department for clients / brokers
- Ensuring all information provided is accurate and complete
- Verifies all relevant client information provided by the sales staff/clients/brokers, e.g. General Group Data, Information provided on the MAF etc in order to use for risk assessment
- Based on the quotation template and data provided by the Sales team/clients/brokers, assess the level of risk and adjust the rates accordingly.
- Approves/ deny the quotation generated by officers based on risk assessment according to authority levels and refer where required to the U/W Manager
- Analyzes current year claims utilization in order to prepare renewals terms for all relevant clients
- Responds to general queries about pricing from the Brokers/Sales Department, providing them with all necessary information for the client
- Participates in performing renewal calculations/ assessment on monthly basis for cases due for renewal within the approved authority and refer cases above the authority to immediate Manager
- Assist in preparing monthly and quarterly Claim/ Loss ratio reports for the Senior Management
- Assist Underwriting Manager in management of day-to-day work by involving in work allocation, priority setting, review and update of procedures, involvement along with Manager in trainings and presentations
- Update the U/W manager on the work volumes, pending, review of SLA depending on the workload, discussion and involvement with system projects and any other projects that can help simplify work and improve the service
- Carries out any such other task as requested by the Department Manager
Qualifications & Skills
- **Bachelor's Degree in any discipline.**
- **3–5 years of experience in Group Medical Insurance underwriting, preferably within the UAE insurance market.**
- **Sound understanding of group medical underwriting principles, pricing methodologies, and risk assessment.**
- **Knowledge of UAE health insurance regulations and industry practices.**
- **Strong analytical, problem-solving, and decision-making abilities.**
- **Excellent communication and stakeholder management skills.**
- **High attention to detail and accuracy in evaluating underwriting data and documentation.**
- **Proficiency in Microsoft Office applications and underwriting systems.**
- **Ability to work effectively in a fast-paced and collaborative environment.**
Why Join Us?
- At Takaful Emarat, you will be part of a dynamic organization committed to innovation, customer excellence, and ethical business practices.
As A Group Medical Underwriter
, you will play a vital role in supporting sustainable growth, maintaining underwriting profitability, and delivering value-driven insurance solutions to our clients and partners.
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