Medical Underwriter

• Review and interpret medical records, clinical histories, diagnostic reports, laboratory results, and other health-related documentation.

• Review and interpret medical records, clinical histories, diagnostic reports, laboratory results, and other health-related documentation.
• Evaluate medical and health information to assess risk eligibility and determine appropriate underwriting decisions.
• Apply medical knowledge to understand existing conditions, pre-existing diseases, treatment histories, complications, and associated risk factors.
• Assess medical disclosures and identify inconsistencies, missing information, or potential risk indicators.
• Evaluate applications in accordance with established medical underwriting guidelines, risk assessment frameworks, and organizational policies.
• Determine the need for additional medical information, investigations, or clarification to support accurate risk evaluation.
• Collaborate with medical consultants, underwriting teams, and other stakeholders to resolve complex cases and support appropriate decisions.
• Maintain accurate documentation of medical assessments, risk classifications, and underwriting decisions.
• Ensure compliance with applicable regulatory requirements, data privacy standards, confidentiality policies, and internal procedures.
• Monitor underwriting quality and turnaround times while maintaining accuracy and consistency in decision-making.
• Stay updated on medical developments, disease classifications, underwriting practices, and relevant industry standards.
• Support continuous improvement initiatives to enhance underwriting efficiency, risk assessment accuracy, and overall process quality.

• Bachelor's degree in Medicine, Nursing, Pharmacy, Life Sciences, or a related healthcare discipline. A medical degree or relevant clinical qualification is an advantage.
• Minimum of 3 years of relevant experience in medical underwriting, preferably in the insurance or healthcare industry.
• Strong medical knowledge, including an understanding of common diseases, chronic conditions, pre-existing medical conditions, treatments, and associated complications.
• Proven ability to interpret medical records, clinical histories, laboratory reports, diagnostic findings, and other medical documentation.
• Good understanding of medical underwriting principles, risk assessment methodologies, eligibility criteria, and underwriting guidelines.
• Ability to identify medical risk factors, evaluate complex health information, and make evidence-based underwriting recommendations.
• Strong analytical thinking, attention to detail, and decision-making skills.
• Excellent written and verbal communication skills, with the ability to explain medical findings and underwriting decisions clearly.
• Ability to handle confidential medical information responsibly and maintain strict data privacy standards.
• Strong organizational skills and the ability to manage multiple cases while meeting turnaround time and quality expectations.
• Proficiency in MS Office and familiarity with insurance underwriting systems or medical case management platforms is an advantage.
• A high level of integrity, professional judgment, and commitment to accuracy, consistency, and quality in medical underwriting.