Sr Associate Specialist - Health Underwriting

Acko; Bengaluru; On-site; INR 900,000 - 1,800,000; Full time

Job summary

ACKO is seeking an experienced Core Medical Underwriter (CMU) to blend clinical risk assessment with high-quality Tele-Medical Evaluations. The CMU acts as the final medical decision authority for health insurance cases requiring clinical evaluation, interpreting ECG, 2D Echo, and TMT with empathy and clarity.

The role involves evaluating medical history, ensuring compliance, and delivering underwriting decisions within SLAs in a fast-paced digital environment.

Qualifications

• Medical degree with MCI registration.
• Minimum 3 years in health insurance underwriting or clinical risk.
• Experience interpreting ECG, 2D Echo, and TMT.

Responsibilities

• Medical underwriting evaluating health applications and medical history.
• Case decisioning post-PPMC with outcomes: accept, loading, exclusions, postpone, or decline.
• Cardiac interpretation of ECG, Echo, and TMT reports.
• Conduct Tele-Medical Evaluations and explain underwriting outcomes clearly.
• Maintain documentation accuracy and comply with guidelines within SLAs.

Skills

Verbal communication

Active listening

Attention to detail

Problem solving

Customer-focused

Call handling

Education

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

Tools

ECG interpretation

2D Echo interpretation

TMT interpretation

Job description

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.

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 Ackerʼs voice and ideas matter. Weʼre 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 peoples 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, ACKOʼs value proposition of ʻWelcome Changeʼ 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, ACKOʼs 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. Were not your typical 9-to-5 workplace; were a vibrant and inclusive bunch of innovators and creators making sure every Ackerʼs idea matters, their voice is heard, and their growth is part of our mission.

Job Description

We are looking for an experienced Core Medical Underwriter (CMU) who blends strong clinical risk assessment with exceptional call quality. The CMU serves as the final medical decision authority for health insurance cases requiring clinical evaluation, interpreting specialized cardiac tests, and directly engaging with customers to explain underwriting outcomes with empathy and clarity.

Key Responsibilities

• Medical Underwriting: Evaluate health applications, customer medical history, and clinical documentation to perform comprehensive medical risk assessments.

• Case Decisioning: Review cases post-PPMC and determine underwriting outcomes including standard acceptance, loading, exclusions, postponement, or decline.

• Cardiac Interpretation: Demonstrate specialized capability in interpreting advanced cardiac investigations, including ECG, 2D Echo, and TMT.

• Customer Calling & Quality: Conduct high-quality Tele-Medical Evaluations (Tele-MER) and clearly explain complex reproposals, loadings, or requirements to customers.

• Compliance & Service: Maintain high standards of documentation accuracy, ensure strict compliance with internal and regulatory guidelines, and deliver choices within SLAs.

Required Qualifications & Competencies

• BAMS/BHMS/BPT/BDS/B.Pharm/Nursing/PharmD degree from a recognized medical institution with valid Medical Council registration.

• Minimum 3 years of experience in health insurance underwriting, clinical risk assessment, or medical adjudication.

• Proven mastery in evaluating laboratory reports and specialized diagnostic profiles (specifically ECG, 2D Echo, and TMT).

• Excellent verbal communication, customer-centric call handling qualities, and active listening skills.

• High attention to detail, strong problem-solving skills, and comfort operating in a fast-paced, digital-native environment.

Requirements: