Medical Underwriter
Skills
About This Role
Overview
- 1.
- Individual Health Insurance Underwriting (New Business & Renewals)
- Review medical declarations, reports, and diagnostic results to assess medical risk
- Calculate risk-based premium surcharges for pre-existing conditions and health issues
- Request additional medical examinations or reports when needed for accurate pricing
- Review claims history and health changes at renewal to adjust premiums accordingly
- Document all decisions with clear medical rationale
2. Group Medical Insurance Underwriting
- Analyze group medical declarations to identify high-risk members, if needed
- Estimate potential claims costs from high-risk conditions, calculate aggregate premium loadings based on overall group medical risk profile and Provide clinical justification for premium adjustments above standard rates
- 3.
- Mid-Term Changes: Overage Dependents & High-Risk Additions
- Assess medical risk for overage dependents seeking coverage extension
- Conduct medical underwriting for new members joining mid-term with medical declarations and calculate appropriate premium charges based on individual medical assessments
General Responsibilities
- Maintain current knowledge of medical conditions, treatments, and UAE healthcare costs
- Collaborate with actuarial and claims teams on risk assessment and pricing
- Ensure compliance with UAE health insurance regulations and data protection laws
- Apply consistent and fair underwriting decisions
- Liaise with reinsurers on complex cases
- Contribute to underwriting guidelines and process improvements
Essential
- Medical degree (MBBS, MD, or related healthcare qualification)
- Strong clinical knowledge across multiple specialties
- Understanding of UAE healthcare system and insurance regulations
- Excellent analytical and decision-making skills
- Strong communication and documentation abilities
Desirable
- Experience in medical underwriting or insurance medicine in UAE/GCC
- Postgraduate qualification in insurance medicine
- Knowledge of pricing concepts
- Strong clinical knowledge across multiple medical specialties (cardiology, oncology, endocrinology, nephrology, etc.)
- Ability to interpret medical reports, diagnostic tests, and laboratory results
- Understanding of disease progression, prognosis, and treatment outcomes
- Knowledge of pharmaceutical therapies and their impact on medical conditions
- Familiarity with medical terminology and clinical documentation
- Understanding of insurance principles and risk-based pricing
- Strong analytical thinking to evaluate complex medical information and communication abilities
- Ability to work under tight deadlines and multiple projects/ cases
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