Senior health underwriter

SynergixServ Private Limited; Thane; Sur place; INR 1 200 000 - 1 800 000; Plein temps

Résumé du poste

SynergixServ Private Limited is seeking an experienced Health Underwriter to join the Health & Employee Benefits team. The role focuses on evaluating health insurance applications, assessing medical risks, and ensuring timely case decisions within a 24–48 hour window.

The ideal candidate holds FLMI and FALU designations, a minimum of 5 years underwriting experience, and strong communication and MS Office skills to support complex cases and regulatory compliance.

Qualifications

• Minimum 5 years of underwriting experience.
• FLMI and FALU designations are mandatory.
• Strong knowledge of health underwriting principles and medical risk assessment.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Office applications.
• Strong analytical, organizational, decision-making, and problem-solving skills.

Responsabilités

• Evaluate health insurance applications, including new business, reinstatements, additions, and deductible changes.
• Assess morbidity risks and determine appropriate risk classifications in line with underwriting and reinsurance guidelines.
• Review medical histories, complex cases, co-morbidities, and high-risk applications.
• Ensure accurate and timely case assessment within the prescribed 24–48-hour turnaround time.
• Communicate underwriting decisions, additional requirements, and case updates to relevant stakeholders.
• Manage exclusions, appeals, and reconsideration requests.
• Maintain underwriting guidelines, documentation, and compliance with applicable regulations.
• Collaborate with management and the Medical Director on complex underwriting cases.
• Support audits, reinsurance administration, case management, and training initiatives.

Connaissances

Health underwriting

Medical risk assessment

Communication skills

Analytical skills

Organizational skills

Decision making

Problem solving

Formation

Bachelor’s degree in Business/Science

FLMI designation

FALU designation

Outils

MS Office

Description du poste

Department: Health & Employee Benefits

Employment Type: Full-Time

Are you an experienced Health Underwriter with strong medical risk assessment skills and a passion for making informed underwriting decisions? We are looking for a skilled professional to join our Health & Employee Benefits team.

• Evaluate health insurance applications, including new business, reinstatements, additions, and deductible changes.
• Assess morbidity risks and determine appropriate risk classifications in line with underwriting and reinsurance guidelines.
• Review medical histories, complex cases, co-morbidities, and high-risk applications.
• Ensure accurate and timely case assessment within the prescribed 24–48-hour turnaround time.
• Communicate underwriting decisions, additional requirements, and case updates to relevant stakeholders.
• Manage exclusions, appeals, and reconsideration requests.
• Maintain underwriting guidelines, documentation, and compliance with applicable regulations.
• Collaborate with management and the Medical Director on complex underwriting cases.
• Support audits, reinsurance administration, case management, and training initiatives.

Required Qualifications & Experience

• Minimum 5 years of underwriting experience.
• Bachelor’s degree in Business, Science, or equivalent professional experience.
• FLMI and FALU designations are mandatory.
• Strong knowledge of health underwriting principles, medical risk assessment, and reinsurance guidelines.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft Office applications.
• Strong analytical, organizational, decision‑making, and problem‑solving skills.

A detail-oriented professional who can independently evaluate complex medical cases, manage competing priorities, maintain confidentiality, and deliver accurate underwriting decisions within defined timelines.

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