Group Medical Underwriter

InsureHire; Dubai; On-site; AED 180,000 - 300,000; Full time

Job summary

InsureHire GCC is seeking a skilled Group Medical Underwriter in Dubai to assess and underwrite risks, review applications and pricing, and ensure compliance with UAE regulations.

You will analyze claims experience, prepare quotations, and collaborate with brokers, sales, and claims teams to optimize portfolio performance.

Qualifications

• Bachelor’s degree in Insurance, Finance, Business Administration, Actuarial Science, or related field.
• Experience in Group Medical Underwriting, UAE market preferred.
• Strong understanding of medical insurance products, risk assessment, pricing, and underwriting.
• Knowledge of UAE insurance regulations and market practices preferred.
• Strong analytical, negotiation, and decision‑making skills.
• Excellent communication and stakeholder‑management abilities.
• Proficiency in MS Office and relevant insurance systems.

Responsibilities

• Assess and underwrite group medical insurance risks based on client and employee demographics.
• Review medical insurance applications, quotations, renewals, and policy terms.
• Analyze claims experience, loss ratios, and medical risk factors to determine appropriate pricing.
• Prepare and negotiate quotations in line with underwriting guidelines and business requirements.
• Collaborate with brokers, sales teams, claims, and other internal stakeholders.
• Monitor portfolio performance and recommend appropriate underwriting actions.
• Ensure compliance with company policies, underwriting standards, and applicable UAE insurance regulations.
• Maintain accurate underwriting records and documentation.

Skills

Analytical skills

Negotiation

Decision-making

Communication

Stakeholder management

MS Office

Insurance systems

Education

Bachelor’s degree in Insurance, Finance, Business Administration, Actuarial Science, or related field

Tools

MS Office

Insurance systems

Job description

1. Assess and underwrite group medical insurance risks based on client and employee demographics.
2. Review medical insurance applications, quotations, renewals, and policy terms.
3. Analyze claims experience, loss ratios, and medical risk factors to determine appropriate pricing.
4. Prepare and negotiate quotations in line with underwriting guidelines and business requirements.
5. Collaborate with brokers, sales teams, claims, and other internal stakeholders.
6. Monitor portfolio performance and recommend appropriate underwriting actions.
7. Ensure compliance with company policies, underwriting standards, and applicable UAE insurance regulations.
8. Maintain accurate underwriting records and documentation.

Requirements

1. Bachelor’s degree in Insurance, Finance, Business Administration, Actuarial Science, or a related field.
2. Proven experience in Group Medical Underwriting, preferably within the UAE insurance market.
3. Strong understanding of medical insurance products, risk assessment, pricing, and underwriting principles.
4. Knowledge of UAE insurance regulations and market practices is preferred.
5. Strong analytical, negotiation, and decision‑making skills.
6. Excellent communication and stakeholder‑management abilities.
7. Proficiency in MS Office and relevant insurance systems.