Senior Health Underwriter

Synergix Services; Thane; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Synergix Services is seeking an experienced Health Underwriter in Thane, Maharashtra to assess health applications, classify risks, and support underwriting decisions under management guidance.

The ideal candidate has a minimum of 5 years in health underwriting, FLMI and FALU designations, strong communication, and proficiency with MS Office. You will contribute to guidelines, documentation, and process improvements while ensuring regulatory compliance.

Qualifications

• Minimum 5 years of underwriting experience, preferably in health insurance.
• Underwriting guidelines, statistics, and professional judgment applied in decisions.
• Ensure timely escalation and turnaround of cases within defined hours.
• Knowledge of health insurance products, reinsurance guidelines, and SOPs.

Responsibilities

• Assess BAFGG health applications and determine risk classification within authority.
• Apply actuarial data, guidelines, and professional judgment in underwriting decisions.
• Communicate status, requirements, and decisions within turnaround times.
• Develop knowledge of company products and underwriting guidelines.
• Review applications for completeness and required documentation.
• Participate in strategic underwriting discussions and process improvements.

Skills

Interpersonal skills

Planning & organization

Verbal & written communication

Multitasking ability

Analytical thinking

Education

Bachelors degree in Business, Science, or equivalent professional experience

FLMI designation

FALU designation

Tools

Microsoft Office

Job description

Job Summary

Assess all health applications accurately and efficiently by classifying and identifying morbidity risks in an effort to make fair and sound underwriting decisions. Demonstrate advanced medical and industry knowledge to evaluate cases holistically and provide recommendations regarding unfamiliar conditions, complex co-morbid conditions, and potentially high-risk cases under the guidance of Management.

Duties & Responsibilities

• Assess all BAFGG health applications (new business, reinstatements, additions, and deductible changes) and determine appropriate risk classification within assigned authority limits.


• Apply actuarial data, reinsurance guidelines, underwriting guidelines, relevant statistics, and professional judgment in underwriting decisions.


• Ensure timely escalation of cases and completion of underwriting decisions within 2448 hours of receipt.


• Develop advanced knowledge of company products, underwriting guidelines, reinsurance guidelines, and administrative systems.


• Review applications for completeness, compliance, and supporting documentation required for policy issuance.


• Communicate application status, additional requirements, corrections, underwriting decisions, and reasons for decisions within defined turnaround times.


• Handle exclusion requests, appeals, and reconsiderations.


• Maintain familiarity with industry standards, practices, and health insurance products.


• Assist in creating and updating health questionnaires, applications, underwriting manuals, and guidelines.


• Participate in strategic underwriting discussions and contribute recommendations for process and product improvements.


• Discuss complex cases with Management and the Medical Director.


• Support audit requests, case management, reinsurance administration, and underwriting training activities.


• Participate in ongoing medical, soft skills, and leadership development programs.


• Ensure compliance with all applicable laws, regulations, company policies, and standard operating procedures.


• Perform any other duties assigned by management.

Required Work Experience

Minimum 5 years of underwriting experience, preferably in health insurance.

Qualifications

• Bachelors degree in Business, Science, or equivalent professional experience.


• FLMI designation required.


• FALU designation required.


• Excellent written and verbal communication skills.


• Proficiency in Microsoft Office applications.

Job Competencies

• Strong interpersonal, planning, and organizational skills.


• Ability to learn and apply new information quickly.


• Ability to manage multiple priorities independently and meet service commitments.


• Strong analytical and problem-solving skills with a sense of urgency.


• Effective written and verbal communication.


• In-depth knowledge of health insurance products and underwriting practices.


• Strong customer service orientation.

Performance Criteria

• Clear and concise case documentation.


• Effective planning and organization of work.


• Timely decision-making and escalation.


• Professional and courteous interaction with customers and colleagues.


• Accuracy, speed, and quality in underwriting decisions.


• High level of self-discipline, reliability, and accountability.


• Ability to perform under pressure and manage shifting priorities.


• Strict confidentiality in handling sensitive medical and personal information.


• Regular and punctual attendance with professional appearance and grooming.


• Continuous awareness of industry trends, medical advancements, and underwriting developments. .