Group Medical Underwriting Manager

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

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.

o Analyzes and reviews Group quotations (new cases & renewals) submitted by the Sales Department for clients/brokers and ensures underwriting decisions are aligned with company guidelines and profitability objectives.

o Ensures all information provided by the Sales Department, clients, and brokers is accurate, complete, and sufficient for underwriting assessment.

o Verifies all relevant client information, including General Group Data, Medical Application Forms (MAF), claims experience, and other supporting documents to conduct comprehensive risk assessment.

o Reviews and approves pricing, terms, and conditions based on underwriting guidelines, claims utilization, risk exposure, and market conditions within delegated authority.

o Reviews and approves quotations prepared by the underwriting team, providing guidance on complex or exceptional cases and escalating where required in accordance with the authority matrix.

o Analyzes claims utilization, loss ratios, and portfolio performance to determine appropriate renewal terms and pricing strategies.

o Provides technical underwriting support and responds to complex pricing and underwriting queries from the Sales Department and brokers.

o Oversees monthly renewal assessments and ensures timely issuance of renewal terms within service level agreements and delegated authority.

o Monitors underwriting quality, pricing consistency, turnaround times, and adherence to underwriting policies and procedures.

o Prepares and reviews monthly, quarterly, and annual underwriting performance reports, including claims utilization, loss ratio, portfolio analysis, and management information for Senior Management.

o Manages the day-to-day activities of the Group Medical Underwriting team by allocating work, setting priorities, monitoring workloads, and ensuring departmental service standards are achieved.

o Coaches, mentors, and develops underwriting staff by providing technical guidance, conducting performance reviews, identifying training needs, and supporting continuous professional development.

o Reviews, updates, and implements underwriting procedures, pricing guidelines, and operational processes to improve efficiency and service quality.

o Works closely with Sales, Claims, Operations, Finance, Compliance, and other stakeholders to ensure effective underwriting support and business growth.

o Monitors work volumes, pending cases, SLA performance, and resource requirements, implementing appropriate actions to improve operational efficiency.

o Participates in system enhancement initiatives, underwriting automation projects, and process improvement activities to strengthen underwriting operations.

o Ensures compliance with company underwriting policies, delegated authority limits, UAE health insurance regulations, and internal governance requirements.

o Carries out any other duties as assigned by the Department Head or Senior Management.

At Takaful Emarat, you will be part of a dynamic organization committed to innovation, customer excellence, and ethical business practices.

As a

, you will play a vital role in supporting sustainable growth, maintaining underwriting profitability, and delivering value-driven insurance solutions to our clients and partners.