Associate - Medical Underwriting

AIA Hong Kong and Macau; Malaysia; On-site; MYR 60,000 - 90,000; Full time

Job summary

AIA Hong Kong and Macau is seeking actuarial professionals to assess Hong Kong market life insurance applications. The role focuses on medical underwriting, risk assessment, and adherence to company guidelines, with a need for fluency in English and Chinese.

The candidate will collaborate across functions and may require weekend shifts in an IOI City Mall, Putrajaya setting. The position emphasizes accuracy, efficiency, and ongoing development of underwriting expertise in a dynamic insurance

Qualifications

• Bachelor's degree or equivalent in Medical Science, Bioscience, Insurance, or related fields.
• Fluent in English and Chinese; Mandarin/Cantonese ability is a plus.
• Proficient in Microsoft Office and able to handle shift work including weekends.

Responsibilities

• Accurately underwrite all products including medical underwriting per guidelines and regulations.
• Maintain high accuracy and continuously improve individual quality scores.
• Meet efficiency and turnaround targets while improving proficiency scores.
• Develop technical proficiency by expanding underwriting scope or limits.
• Perform other duties as assigned to meet business needs.
• Evaluate medical history, occupational hazards, finances, and insurable interest to accept, modify, or decline risk.
• Collaborate with field force and other functions for decision making.
• Explain and defend underwriting actions.

Education

Bachelor's Degree in Medical Science / Bioscience / Insurance

Tools

Microsoft Office

Job description

At AIA we’ve started an exciting movement to create a healthier, more sustainable future for everyone. It’s about finding new ways to not only better people's lives, but to better the communities and environments we live in. We need great Actuaries who want to be part of something bigger than finance alone. Because the better we can nurture our financial wellbeing as an organisation, the better we can support and make a difference for our customers when they need us most. By ensuring our products are well designed and priced, analysing business performance and ensuring proper management of insurance policies in-force, you’re not just safeguarding AIA’s financial wellbeing. You’re securing a better future for the people and communities we serve - today, tomorrow and for generations to come. If that interests you, read on.

About the Role Responsible for assessing individual life insurance applications for Hong Kong market based on guidelines set for the issuance of AIA insurance policies.

Job Responsibilities:

• Accurately underwrite all products including medical underwriting by assessing the risks according to company guidelines and regulations.
• Maintains a high level of accuracy (Quality) and always seek to improve individual quality scores with time.
• Ensure meeting individual efficiency target and turn-around-time, always seek to improve individual proficiency scores with time.
• Shows keenness to develop technical proficiency by extending underwriting scope or limits.
• Perform other responsibilities and duties periodically assigned by supervisor / manager in order to meet business requirements.
• Evaluate an individual’s medical history or physical condition, occupational hazards, financial background, insurable interest and other information to resolve whether to accept, modify or decline a risk.
• Collaborate with the field force or other functions of AIA to capture information for decision‑making.
• Explain and defend any underwriting actions.

Job Requirements:

• A recognized tertiary Bachelor's Degree or equivalent experience, Post Graduate, Professional Degree in Medical Science, Bioscience background, Insurance or equivalent qualifications.
• Candidate with Medical and Life Underwriting, nursing, or medical lab experience are encouraged to apply.
• Fluent in spoken English & Chinese.
• Candidate with proficiency to converse in Mandarin / Cantonese would be an added advantage.
• Passing SPM Chinese subject is a MUST.
• Customer oriented, self‑motivated, proficient in Microsoft Office.
• Forward thinker in ensuring all required task and activities are completed.
• Able to adapt desk‑bound working environment, working shift including weekend on rotation basis & able to work overtime beyond normal office hour (including weekend & public holiday).
• Willing to work in IOI City Mall, Tower 1, Putrajaya.
• The role is required to follow Hong Kong working calendar.

Build a career with us as we help our customers and the community live Healthier, Longer, Better Lives.

You must provide all requested information, including Personal Data, to be considered for this career opportunity. Failure to provide such information may influence the processing and outcome of your application. You are responsible for ensuring that the information you submit is accurate and up-to-date.

At AIA we’ve started an exciting movement to create a healthier, more sustainable future for everyone. It's about finding new ways to not only better people's lives, but to better the communities and environments we live in. As the largest listed company on the Hong Kong Stock Exchange, we’ve been proudly making a difference for people and communities across Asia for over a century. And we build on this every day with our ambition to engage one billion people to live Healthier, Longer, Better Lives by 2030. If you work at AIA, you play an important part in this movement. Which is why we give you every opportunity to learn, grow and shape your career - your way. Inspiring and supporting you to thrive - not just at work, but in life. Believe in better with AIA.

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