Sr Associate / Specialist - Health Underwriting

Acko; Bengaluru; On-site; INR 1,200,000 - 2,100,000; Full time

Job summary

ACKO seeks a doctor to manage the end‑to‑end pre‑policy underwriting journey, performing Tele‑MER evaluations and coordinating medical requirements with underwriting and operations teams.

The role requires clinical expertise, valid medical council registration and experience in telemedicine or health insurance. You will collaborate with CMU, Operations and Pre‑Sales, ensuring timely decisions and compliant processes.

Qualifications

• BAMS/BHMS/BPT/BDS/B.Pharm/Nursing/PharmD degree from a recognized institution.
• Valid Medical Council registration.
• Experience in clinical practice, telemedicine or health insurance preferred.

Responsibilities

• Conduct Tele‑MER call and capture accurate medical disclosures.
• Own assigned cases from allocation to underwriting decision/reproposal closure.
• Explain Add Info, PPMC and reproposal outcomes to customers.
• Coordinate PPMC scheduling and laboratory availability.
• Perform proactive follow‑ups for Tele‑MER, Add Info, PPMC and callbacks.
• Maintain real‑time updates in underwriting systems and productivity trackers.
• Collaborate with CMU, Operations and Pre‑Sales teams.
• Ensure compliance with SOPs, quality standards and audit requirements.

Skills

Clinical assessment

Customer communication

Documentation accuracy

Analytical thinking

Time management

Stakeholder collaboration

Education

BAMS/BHMS/BPT/BDS/B.Pharm/Nursing/PharmD degree

Job description

About Us

ACKO is the protection destination for over 200 million tech‑savvy families across India, protecting their families, assets and money. Launched in 2016, ACKO started by reimagining insurance, making it simple, hassle-free and customer‑first. Today, our mission goes beyond that: we aim to touch the lives of 1 million users, building products that solve real‑world problems with technology at the core.

About Us

ACKO is the protection destination for over 200 million tech‑savvy families across India, protecting their families, assets and money. Launched in 2016, ACKO started by reimagining insurance, making it simple, hassle‑free and customer‑first. Today, our mission goes beyond that: we aim to touch the lives of 1 million users, building products that solve real‑world problems with technology at the core.

We are not just another insurance company, our DNA is product‑tech, and our approach is bold, innovative, and digital‑first. From zero commission, zero paperwork, and instant renewals to same‑day claims settlements and app‑based tracking, ACKO is a Welcome Change from traditional insurers.

But what truly sets us apart? Our people. At ACKO, every Acker's voice and ideas matter. We're a vibrant, inclusive team of creators, thinkers, and doers, building products that redefine protection while ensuring each Acker grows, thrives and does meaningful work.

Join us at ACKO, where bold ideas, real impact and tech‑driven innovation redefine protection and peace of mind - and where YOU can make a real difference in people's lives. ACKO is a product‑tech company, launched in 2016, solving real‑world problems for customers, starting with insurance. And as a customer‑first organization serving the digitally‑savvy, ACKO's value proposition of 'Welcome Change' focuses on offerings that make insurance simple and hassle‑free! With features such as zero commission, zero paperwork, instant renewal, same‑day claim settlements, and app‑based updates on claims, ACKO is a 'Welcome Change' from traditional insurers.

Having said that, we are not just another conventional insurance firm, or the people consulted solely for "claims"! Anchored in a tech‑centric philosophy, ACKO's approach fuels innovation, empowering us to develop comprehensive products that cater to every aspect of our customers' insurance requirements. And while we are at it, we put our Ackers at the heart of everything we do. We're not your typical 9-to-5 workplace; we're a vibrant and inclusive bunch of innovators and creators making sure every Acker's idea matters, their voice is heard, and their growth is part of our mission.

Job Description

We are seeking a customer‑centric doctor professional to manage the end‑to‑end pre‑policy underwriting journey. The RM Doctor conducts Tele‑Medical Evaluations (Tele‑MER), coordinates medical requirements, engages with customers, and collaborates with underwriting and operations teams to enable accurate and timely policy decisions.

Key Responsibilities

• Conduct Tele‑MER call and capture accurate medical disclosures.
• Own assigned cases from allocation to underwriting decision/reproposal closure.
• Explain Add Info, PPMC and reproposal outcomes to customers.
• Coordinate PPMC scheduling and laboratory availability.
• Perform proactive follow‑ups for Tele‑MER, Add Info, PPMC and callbacks.
• Maintain real‑time updates in underwriting systems and productivity trackers.
• Collaborate with CMU, Operations and Pre‑Sales teams.
• Ensure compliance with SOPs, quality standards and audit requirements.

Qualifications

• BAMS/BHMS/BPT/BDS/B.Pharm/Nursing/PharmD degree from a recognized institution.
• Valid Medical Council registration.
• Experience in clinical practice, telemedicine or health insurance preferred.

Core Competencies

• Clinical assessment
• Customer communication
• Documentation accuracy
• Analytical thinking
• Time management
• Stakeholder collaboration

Success Measures

• Timely Tele‑MER completion
• High documentation quality
• Excellent customer experience
• SLA adherence
• Process compliance
• Productivity targets achieved