Job Description

1. Individual Health Insurance Underwriting (New Business & Renewals)

• Review medical declarations, reports, and diagnostic results to assess medical risk
• Calculate risk-based premium surcharges for pre-existing conditions and health issues
• Request additional medical examinations or reports when needed for accurate pricing
• Review claims history and health changes at renewal to adjust premiums accordingly
• Document all decisions with clear medical rationale

2. Group Medical Insurance Underwriting

• Analyze group medical declarations to identify high-risk members, if needed
• Estimate potential claims costs from high-risk conditions, calculate aggregate premium loadings based on overall group medical risk profile and Provide clinical justification for premium adjustments above standard rates

3. Mid-Term Changes: Overage Dependents & High-Risk Additions

• Assess medical risk for overage dependents seeking coverage extension
• Conduct medical underwriting for new members joining mid-term with medical declarations and calculate appropriate premium charges based on individual medical assessments

General Responsibilities

• Maintain current knowledge of medical conditions, treatments, and UAE healthcare costs
• Collaborate with actuarial and claims teams on risk assessment and pricing
• Ensure compliance with UAE health insurance regulations and data protection laws
• Apply consistent and fair underwriting decisions
• Liaise with reinsurers on complex cases
• Contribute to underwriting guidelines and process improvements

Essential

• Medical degree (MBBS, MD, or related healthcare qualification)
• Strong clinical knowledge across multiple specialties
• Understanding of UAE healthcare system and insurance regulations
• Excellent analytical and decision-making skills
• Strong communication and documentation abilities

Desirable

• Experience in medical underwriting or insurance medicine in UAE/GCC
• Postgraduate qualification in insurance medicine
• Knowledge of pricing concepts
• Strong clinical knowledge across multiple medical specialties (cardiology, oncology, endocrinology, nephrology, etc.)
• Ability to interpret medical reports, diagnostic tests, and laboratory results
• Understanding of disease progression, prognosis, and treatment outcomes
• Knowledge of pharmaceutical therapies and their impact on medical conditions
• Familiarity with medical terminology and clinical documentation
• Understanding of insurance principles and risk-based pricing
• Strong analytical thinking to evaluate complex medical information and communication abilities
• Ability to work under tight deadlines and multiple projects/ cases

Benefits found in job post

• Medical insurance