Associate - Medical Underwriting

AIA (Vietnam) Life Insurance; Putrajaya; On-site; MYR 155,000 - 310,000; Full time

Job summary

AIA (Vietnam) Life Insurance is seeking an experienced underwriter to assess life insurance applications for the Hong Kong market. The role emphasizes accuracy, adherence to guidelines and collaboration with sales teams to make informed risk decisions.

The successful candidate will be fluent in English and Chinese (Mandarin/Cantonese a plus) and able to work in a dynamic, rotation-based schedule, including weekends. On-site work in IOI City Mall, Putrajaya, with exposure to Asia-wide markets.

Qualifications

• Bachelor's degree or higher required; professional degrees considered.
• Fluent in English and Chinese; Mandarin/Cantonese proficiency a plus.
• Proficient with Microsoft Office and basic data handling.

Responsibilities

• Underwrite all life insurance products for the Hong Kong market per guidelines.
• Maintain high quality and accuracy; strive to improve quality scores over time.
• Meet efficiency and turnaround targets; improve proficiency.
• Expand underwriting scope or limits as needed.
• Collaborate with field force and other functions to collect information for decisions.
• Explain and defend underwriting actions.

Skills

English fluency

Chinese fluency

MS Office

Education

Bachelor's degree or higher

Medical Science / Bioscience background

Insurance qualifications

Job description

Transform insights into action and impact.

At AIA, your skills, perspective and ideas can help us protect customers, balance risk and opportunity, and contribute to our Purpose of helping millions of people live Healthier, Longer, Better Lives. Across our diverse markets, you will take on real-world challenges, collaborate with talented colleagues and bring together data, technical expertise and commercial understanding to strengthen customer solutions and support sustainable growth.

Join us to shape better decisions, grow through new experiences and extend your impact across Asia.

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.
• Fluent in spoken English & Chinese . C andidate 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.