Telemedical Underwriter

Nu10 Technologies; Bengaluru; On-site; INR 600,000 - 1,000,000; Full time

Job summary

Nu10 is seeking a Telemedical Underwriter to assess insurance applications using telemedical technologies. You will collaborate with underwriters and health professionals, conducting telemedical verifications and creating Medical Examination Reports.

The ideal candidate will possess a medical degree (BHMS, BAMS, BDS, MBBS) and have strong analytical and communication skills. Experience in telemedicine or health insurance is preferred.

Qualifications

• Medical degree with a valid license and certification.
• Strong knowledge of medical terminology, anatomy, and physiology.
• Excellent interpersonal and communication skills.
• Analytical and critical thinking skills for evaluating medical information.
• Familiarity with telemedical platforms.

Responsibilities

• Conduct telemedical verifications using audio, chat, and video.
• Create comprehensive Medical Examination Reports (MER).
• Initiate calls or video sessions to gather medical information.
• Analyze health profiles and maintain detailed records.
• Evaluate medical risks associated with insured members.

Skills

Telemedical technologies

Medical terminology

Analytical skills

Communication skills

Multilingual skills

Education

Medical degree (BHMS, BAMS, BDS, MBBS)

Job description

As a Telemedical Underwriter, you will play a crucial role in our underwriting process by assessing and evaluating insurance applications remotely using telemedical technologies. You will work closely with our team of underwriters, medical professionals, and technology experts to ensure accurate risk assessment and efficient decision‑making.

Responsibilities

• Telemedical Verification: Conduct telemedical verifications for insured members using audio, chat, and video communication channels to create comprehensive Medical Examination Reports (MER). Analyse medical records, test results, and other relevant documentation to assess the insurability and risk level of applicants.
• Profile Analysis and Documentation: Analyse the health profiles of insured members, create detailed Medical Examination Reports (MER), and maintain records in the prescribed format.
• Interactive Health Assessments: Initiate and facilitate calls or video sessions with insured members to assess their health conditions and gather essential medical information.
• Medical Expertise: Demonstrate advanced knowledge of medical terminology, human anatomy, physiology, disease processes, signs and symptoms, medications, and laboratory values to ensure accurate assessments and reports.
• Medical Underwriting: Evaluate and analyse the medical risks associated with insured members to contribute to the medical underwriting process.
• Multilingual Advantage: Proficiency in a vernacular language is an added advantage, enabling effective communication with insured members who prefer to converse in their native language.

Qualifications

• Medical degree: BHMS, BAMS, BDS, MBBS (valid medical license and certification).
• Strong medical knowledge encompassing terminology, anatomy, physiology, disease processes, medications, and laboratory values.
• Excellent communication and interpersonal skills.
• Strong analytical and critical thinking skills to assess and evaluate complex medical information.
• Familiarity with telemedical technologies and platforms, with the ability to adapt quickly to new systems.
• Multilingual skills (an advantage). Excellent communication skills, both verbal and written, to conduct telemedical interviews and prepare comprehensive reports.
• Prior experience in telemedicine or health insurance (preferred).