Retail health underwriter

Underwrite health proposals as per internal guidelines, analyzing age, sum insured, declarations, plan type, and PPMC reports to decide acceptance, rejection, counter-offers, and premium loadings while maintaining target loss ratios. Manage end-to-end processes for Pre-Policy Medicals (PPMC) and Annual Health Check-ups (AHC), including vendor coordination and TPA audits to improve efficiency and quality. Coordinate with vendors and internal sales/marketing teams to clear proposals, ensure diagnostic center availability, and optimize business volume versus DC ratios. Prepare and analyze MIS and dashboards such as sourcing, renewals, budget vs. achievement, loss ratio reports, and board presentations, with strong Excel proficiency. Support system enhancements by performing UATs for new products, APIs, and system developments, with clear communication and stakeholder collaboration.

Qualifications

MBBS, BAMS, BHMS, BDS, BUMS, or allied medical/paramedical degrees

Required Skills

Strong health underwriting professional with medico background, expertise in PPMC/AHC

management, data-driven underwriting decisions, vendor and TPA coordination, MIS reporting, UAT execution, and effective stakeholder communication