Medical Underwriter (US Life Insurance)

Job Description:

We are hiring for US Life Medical Underwriter.

Required Qualification- Non MBBS Graduates/Postgraduates (B Pharma, M Pharma, BMS, BHMS, BAMS, BOT, BPT, MPT, BDS, MDS) with Medical underwriting experience 

Experience: Minimum 18 Months of experience is mandatory in Medical underwriting in life insurance domain.

Key Responsibilities:

• The Medical Underwriter reviews applications for life, disability insurance and determines whether the requested coverage can be granted to the individual. 
• Individuals in this role medically underwrite applications for Group Life, Long-Term Disability and/or Short-Term Disability Insurance. 
• This is done by utilizing medical underwriting tools such as the Medical Information Bureau (MIB), medical records and/or medical examinations to assess risk.
• Information pertaining to the applicant's past and present medical conditions are evaluated against company guidelines and decisions are made to either accept the applicant for coverage or decline the application.
• To assess the overall risk by collecting, reviewing and analyzing an applicant's relevant history and records, obtain additional information to determine coverage needs, to give rating and to reduce the possibility of adverse selection against the insurer by applying the available insurance manuals guidelines.

Knowledge and Skills Required:

1. You should have experience in underwriting,
2. You should be underwriting for US Life Insurance Companies.
3. You should be making the decisions for underwriting
4. You should be using underwriting manuals like SwissRe, GenRe, etc.
5. You should be doing MIB coding.

Work location- Sector 144, Noida

Working Conditions:

• Hybrid/remote working
• 5 Days working 
• Shift - Rotational Day/UK