Associate Manager - Health Underwriting

Navi; Bengaluru; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Navi is hiring an Associate Manager - Health Underwriting in Bengaluru to evaluate health insurance proposals end-to-end using medical reports and health data. You will ensure decisions align with underwriting guidelines and company policies, aiming for accurate and compliant outcomes.

Responsibilities include risk assessment, data review, and liaison with relevant teams to maintain efficient, auditable processes, while staying current with medical developments and regulatory changes.

Qualifications

• Medical graduate in MBBS, BAMS or BHMS.
• Minimum 2 years of clinical experience.
• Strong medical terminology and data interpretation.
• Clear written and spoken English and Hindi.

Responsibilities

• Evaluate and underwrite health applications using medical reports and data.
• Determine insurability and assign risk levels per guidelines.
• Render underwriting decisions with required information requests.
• Maintain audit-ready underwriting records and SOP compliance.

Skills

Medical terminology

Analytical skills

Communication (English/Hindi)

Interpersonal skills

Digital adaptability

Education

MBBS/BAMS/BHMS

Job description

The Health Underwriting team at Navi plays a critical role in the risk management of Navi’s health insurance portfolio. The team manages the end-to-end evaluation process of health insurance proposals with a strong focus on accuracy and adherence to underwriting guidelines and policies of the Company.

About the Role

As an Associate Manager - Health Underwriting, you will evaluate health insurance proposals end-to-end by referring to medical examination reports, health reports, past medical records and related data of prospective health insurance customers. You will be expected to maintain adherence to the underwriting guidelines and policies of the Company to take accurate, fair and compliant underwriting decisions.

Must Haves

• Qualification : Medical Graduate in any stream (MBBS, BAMS, BHMS)
• Experience: Minimum 2 years of clinical experience
• Technical Skills:
• Good command of advanced medical terminology is essential, coupled with knowledge of anatomy, physiology, disease processes, pharmaceutical regimens to assess chronic and acute conditions.
• Good ability to analyze medical data and make sound decisions.
• Communication Excellence: Good command of written and spoken English and Hindi. Multilingual ability is an added advantage.
• Soft Skills:
• Strong interpersonal and logical thinking skills to handle tasks independently.
• Flexible and adaptable to a changing and digital-first work environment.

What We Expect From You

1. Risk Assessment and Decision Making

• Evaluate and underwrite insurance applications by meticulously reviewing applicant profiles, including medical reports, health records, and general application data.
• Determine insurability and classify risk levels associated with applicants.
• Render final underwriting decisions (approval, modification, or decline) based on established underwriting guidelines and risk management principles, often requiring the procurement of additional medical information.
• Ensure all underwriting decisions adhere strictly to company policies, legal regulations, and best-practice risk management standards.

2. Operational Management and Compliance

• Maintain detailed and accurate underwriting records for audit readiness and transparency.
• Ensure rigorous adherence to Standard Operating Procedures (SOPs) and Turnaround Times (TATs) throughout the health underwriting process.
• Prepare and analyze periodical underwriting reports detailing key operational parameters such as productivity, quality, and workflow efficiency.

3. Stakeholder and Customer Engagement

• Serve as a key point of contact for handling underwriting-related queries directly from customers and for resolving complex grievances within defined TATs and SLAs.
• Effectively coordinate with Operations, Customer Service, and Claims teams to ensure seamless processes and deliver a superior customer experience.
• Manage relationships and performance of external vendors involved in the underwriting process.

4. Process Improvement and Expertise

• Actively contribute to the continuous improvement of underwriting processes, guidelines, and risk assessment tools.
• Maintain up-to-date knowledge of relevant medical developments, evolving insurance industry trends, and regulatory changes to inform underwriting practices.

Inside Navi

We are shaping the future of financial services for a billion Indians through products that are simple, accessible, and affordable. From Personal & Home Loans to UPI, Insurance, Mutual Funds, and Gold — we’re building tech‑first solutions that work at scale, with a strong customer‑first approach.

Founded by Sachin Bansal & Ankit Agarwal in 2018, we are one of India’s fastest‑growing financial services organisations. But we’re just getting started!

Our CultureThe Navi

DNA Ambition. Perseverance. Self‑awareness. Ownership. Integrity.

We’re looking for people who dream big when it comes to innovation. At Navi, you’ll be empowered with the right mechanisms to work in a dynamic team that builds and improves innovative solutions. If you’re driven to deliver real value to customers, no matter the challenge, this is the place for you.

We chase excellence by uplifting each other—and that starts with every one of us.

Why You’ll Thrive at Navi

At Navi, it’s about how you think, build, and grow. You’ll thrive here if:

• You’re impact driven - You take ownership, build boldly, and care about making a real difference.
• You strive for excellence - Good isn’t good enough. You bring focus, precision, and a passion for quality.
• You embrace change - You adapt quickly, move fast, and always put the customer first.