Job Description

INDIVIDUAL MEDICAL UNDERWRITER OFFICER

About Takaful Emarat

Founded in 2008, Takaful Emarat Insurance PSC is one of the UAE’s leading providers of Shariah-compliant Life and Health Takaful solutions. We offer a broad portfolio of individual and corporate products including protection, savings, and investment plans delivered through a variety of trusted distribution channels.

At Takaful Emarat, we are driven by a commitment to ethical practices, financial strength, and innovation. Our goal is to create long-term value for our customers, shareholders, and the wider community, while setting new benchmarks in service, digital transformation, and customer experience.

We are looking for a detail-oriented and analytical Individual Medical Underwriter to join our Medical Underwriting team. The successful candidate will be responsible for evaluating and underwriting group medical insurance risks, supporting business growth while ensuring profitability, compliance, and exceptional service standards.

Key Responsibilities

• Analyzes and reviews Individual Medical quotations (new business & renewals) as requested by the Sales Department for clients/brokers.
• Ensures all information provided is accurate and complete.
• Verifies all relevant client information provided by the sales staff/clients/brokers, including medical declarations, proposal forms, and other underwriting documents, for risk assessment.
• Assesses medical and underwriting risks based on the quotation template, medical information, and supporting documents, and determines appropriate pricing and underwriting terms.
• Approves or declines quotations generated by underwriting officers based on risk assessment within delegated authority levels and refers cases exceeding authority to the Underwriting Manager.
• Analyzes claims experience and underwriting performance, where applicable, to support renewal terms and pricing decisions.
• Responds to general pricing and underwriting queries from Brokers and the Sales Department, providing the necessary information for clients.
• Participates in renewal assessments and calculations for individual medical policies within approved authority limits and escalates cases requiring higher approval.
• Assists in preparing monthly and quarterly claims/loss ratio and underwriting reports for Senior Management.
• Supports the Underwriting Manager in day-to-day operations, including work allocation, priority setting, procedure reviews, training, and presentations.
• Updates the Underwriting Manager on work volumes, pending cases, SLA performance, system enhancements, and other initiatives to improve efficiency and service quality.
• Performs any other duties assigned by the Department Manager.

Qualifications & Skills

• Bachelor’s degree in any discipline; a qualification in a medical, paramedical, life sciences, pharmacy, nursing, or other healthcare-related field is an added advantage.
• Medical background or experience in a healthcare-related field is preferred.
• 3–5 years of experience in Individual Medical Insurance underwriting, preferably within the UAE insurance market.
• Sound understanding of individual medical underwriting principles, medical risk assessment, pricing methodologies, and underwriting guidelines.
• Knowledge of UAE health insurance regulations and industry practices.
• Strong analytical, problem-solving, and decision-making abilities.
• Excellent communication and stakeholder management skills.
• High attention to detail and accuracy in evaluating medical, underwriting, and policy documentation.
• Proficiency in Microsoft Office applications and underwriting systems.
• Ability to work effectively in a fast-paced and collaborative environment.

Why Join Us?

• At Takaful Emarat, you will be part of a dynamic organization committed to innovation, customer excellence, ethical business practices, and strong governance. As an Internal Audit Officer, you will play an important role in supporting effective internal controls, enhancing operational performance, and contributing to a culture of accountability and continuous improvement across the organization.