Medical Underwriter (Group Medical)

Job Summary

Key Responsibilities

• Analyze medical and demographic information to assess risk and determine coverage terms, pricing, and eligibility.
• Underwrite group medical applications in accordance with company policies, pricing guidelines, and regulatory requirements.
• Collaborate with Sales and Analytics to evaluate client needs, propose appropriate plan designs, and provide risk-based recommendations.
• Review and validate medical underwriting notes, documentation, and endorsements for accuracy and completeness.
• Support new business, renewals, and re-pricing efforts, ensuring timely turnaround and quality of output.
• Identify and escalate unusual or high-risk cases, and participate in internal risk reviews and audits.
• Maintain up-to-date knowledge of medical trends, regulatory changes, and industry best practices.
• Provide guidance and mentorship to junior underwriters and cross-functional colleagues as needed.

Required Qualifications

• 2-4 years of experience in underwriting or health insurance, with a focus on group medical products.
• Bachelor’s degree in a related field (e.g., Finance, Actuarial Science, Health Administration, or Business).
• Strong knowledge of medical terminology, underwriting guidelines, and underwriting systems.
• Excellent analytical, problem-solving, and decision-making skills with attention to detail.
• Ability to manage competing priorities and deliver high-quality work in a fast-paced environment.
• Strong communication and collaboration skills to work effectively with internal teams and external clients.
• Proficiency with underwriting software, Microsoft Office, and data analysis tools.
• Regulatory acumen in health insurance (e.g., ACA, state-specific requirements) and compliance standards.

Preferred Qualifications

• 2-4 years of experience in group medical underwriting or related health insurance roles.
• Professional designations such as CPCU, ACA, FALU, or equivalent.
• Experience with pricing models, risk assessment, and plan design optimization.
• Familiarity with medical claim review processes and medical trend analysis.
• Leadership or mentorship experience within underwriting or claims teams.

Skills And Competencies

• Strong analytical and numerical aptitude; proficient at risk assessment and data interpretation.
• Advanced problem-solving and critical-thinking capabilities.
• Effective written and verbal communication; clear and concise documentation.
• Collaborative mindset with the ability to influence and partner across functions.
• Customer-focused approach with a service-orientation for clients and internal stakeholders.
• High level of integrity, discretion, and adherence to confidentiality standards.
• Adaptability to evolving product lines, regulatory changes, and market conditions.

Education And Certifications

• Bachelor’s degree in a related field (as required in Required Qualifications).
• Relevant professional designations (e.g., CPCU, FALU) preferred.
• Ongoing continuing education to maintain knowledge of industry standards and regulatory changes.
• Note: Must have experience in Group Medical Underwriting (UAE)