Associate - Medical Underwriting

AIA; Putrajaya; On-site; MYR 156,000 - 281,000; Full time

Job summary

AIA is seeking an experienced life underwriter to assess applications for the Hong Kong market in a Malaysia-based role. You will underwrite all life products, ensure guidelines are followed, and collaborate with cross-functional teams to gather information for decisions.

The role requires a degree in a relevant field, fluency in English and Chinese, and flexibility to work shifts including weekends and holidays at IOI City Mall, Putrajaya. Mandarin/Cantonese is a plus.

Qualifications

• Bachelor's degree or equivalent in medical science, bioscience, or insurance.
• Fluent in English and Chinese; Mandarin/Cantonese a plus.
• Customer oriented, self-motivated, proficient in MS Office.

Responsibilities

• Underwrite all life products per guidelines and regulations.
• Maintain a high level of accuracy and improve quality scores over time.
• Meet efficiency targets and reduce turnaround times.
• Develop technical proficiency by extending underwriting scope or limits.
• Collaborate with field force and other functions for decision-making.
• Explain and defend underwriting actions.

Education

Bachelor's degree or equivalent

Tools

Microsoft Office

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.
• 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.

Better starts with people who reimagine what is possible and turn ideas into meaningful action. At AIA, you will contribute in your own way, help shape outcomes that matter and collaborate with colleagues across disciplines, teams, markets and levels. We will support you to broaden your perspective, strengthen your capabilities and grow your impact. Together, we challenge assumptions, learn from one another and find better ways forward. Bring your ambition, experience and ideas to AIA, and help shape what "better" looks like.