Lead Underwriter, Life & Medical Insurance

Asia Insurance; Hong Kong; On-site; HKD 900,000 - 1,500,000; Full time

Benefits offered by this job

5-day workweek

Job summary

Asia Insurance in Hong Kong seeks an experienced Underwriting Manager (Life and Medical) to oversee end-to-end medical underwriting for individual products, ensuring prudent risk assessment and compliance.

You will lead a team, manage complex cases, and drive governance, efficiency, and renewal strategy while aligning with policy terms and authority limits. Proficient English and Chinese required.

Qualifications

• Bachelor's degree or above.
• Professional insurance qualification (FLMI / ACII / ANZIIF) obtained or in progress is preferred.
• 8-10 years of relevant experience in individual medical underwriting, including proven people-management or senior underwriting experience.
• Strong technical knowledge of individual medical products, medical risk assessment, underwriting methodologies, and regulatory requirements.
• Solid understanding of medical terminology, treatment pathways, and healthcare provider practices.
• Good command of written and spoken English and Chinese.

Responsibilities

• Review, assess, and approve individual medical underwriting decisions (new business and renewals) within delegated authority, ensuring alignment with underwriting guidelines, risk appetite, and policy terms.
• Lead, coach, and supervise underwriting colleagues to ensure consistent medical risk assessment, sound judgment, and adherence to service standards and turnaround times.
• Handle complex, substandard, or exceptional underwriting cases, including escalation reviews and cross-functional discussions with medical, claims, actuarial, compliance, and distribution teams.
• Oversee renewal underwriting reviews, identify portfolio risk trends, and provide underwriting input to support sustainable pricing and retention strategies.
• Maintain and enhance underwriting governance, including guidelines, rating tables, authority matrices, documentation standards, and audit readiness.
• Support system enhancements, workflow optimization, and underwriting-related projects to improve efficiency, controls, and customer experience.
• Provide technical advisory support to internal stakeholders and, where appropriate, assist in resolving underwriting-related enquiries, appeals, or disputes.

Skills

Medical underwriting leadership

People management

Risk judgment

Stakeholder management

Communication skills

Education

Bachelor's degree or above

Professional insurance qualification (FLMI/ACII/ANZIIF) preferred

Job description

Asia Insurance in Hong Kong seeks an experienced Underwriting Manager (Life and Medical) to oversee end-to-end medical underwriting for individual products, ensuring prudent risk assessment and compliance.

You will lead a team, manage complex cases, and drive governance, efficiency, and renewal strategy while aligning with policy terms and authority limits. Proficient English and Chinese required.