Job Description

• Lead underwriting for large, mid-size, and SME corporate group health accounts.
• Assess risk profiles, claim experience, demographics, benefits structure, and pricing adequacy for group health policies
• Review and approve new business within assigned authority limits.
• Develop and maintain underwriting guidelines, pricing frameworks, and rating tools for group health products, in collaboration with other technical teams including Pricing Actuaries.
• Collaborate closely with BRM’s, Brokers, Actuarial, Medical, and Claims teams to support business growth while maintaining profitability.
• Monitor portfolio performance, loss ratios, and claims trends, recommend corrective actions where required.
• Participate in negotiations with key corporate clients and brokers for complex cases
• Ensure compliance with UAE regulations, DHA, DOH (HAAD), MOHAP, and internal underwriting policies.

Retail Health Underwriting

• Oversee underwriting for individual and family health insurance products.
• Evaluate medical disclosures, medical reports, and underwriting risks for retail cases.
• Apply loadings, exclusions, waiting periods, and other underwriting decisions as per guidelines.
• Support product development and pricing reviews for retail health offerings.
• Ensure turnaround times and service standards are met for retail underwriting requests.
• Liaise with the insurance and technology partners to ensure smooth underwriting process.

Qualification & Experience

• Bachelor’s degree in insurance, Business Administration, Finance, Medicine, or a related field.
• Professional insurance qualifications (ACII, CII, LOMA or equivalent) preferred.
• 8–12 years of health underwriting experience, with strong exposure to Corporate Group Health in the UAE.
• Proven leadership or managerial experience in health underwriting.
• Strong understanding of UAE health insurance regulations and market dynamics

Knowledge / Skills Required:

• Analytical skills and eye for details
• Interpersonal skills
• Decisiveness
• Teamwork
• Negotiation skills
• Excellent communication skills (Written / Verbal) – ability to communicate clearly and concisely, conveying complex or technical information in a way in which others can comprehend as well as ability to understand / interpret complex information from others
• ability to come up with analytical data collation / interpretation