Senior Health Underwriter — Risk Insight & Policy Terms

Raffles Medical Group; Singapore; On-site; SGD 60,000 - 100,000; Full time

Job summary

Raffles Medical Group is seeking an experienced Insurance Underwriter to define terms of health insurance policies. You will evaluate applications, analyze background information, and assess risk to ensure alignment with policy criteria.

Responsibilities include underwriting products such as Term Life, Critical Illness, Hospitalisation & Surgery, and Outpatient; prepare documentation for medical examinations; liaise with Senior Underwriter for complex cases; and provide cross‑departmental

Qualifications

• Diploma / degree in any discipline.
• Minimum 4 years of relevant experience in Insurance or Healthcare.
• Sound understanding of underwriting concept.
• Possess good communication and interpersonal skills.
• Meticulous and keen in details.
• Ability to work independently as well as in a team.
• Ability to multi-task and complete tasks within specified timeline.
• Result driven and self-motivated.
• Able to handle a dynamic environment, flexible and open to changes.
• Keen learner.

Responsibilities

• Underwrites health insurance products such as Term Life, Critical Illness, Hospitalisation & Surgery, and Outpatient etc.
• Assess applicant insurability by analyzing information in the application, screen applicants on the basis of set criteria, determine the risk of insuring an applicant, and decide special terms of exceptions.
• Prepare documents to obtain additional information, make arrangement for applicant to undergo medical examination etc.
• Summarize medical reports received provided.
• Discuss with Senior Underwriter / Clinical Director for complicated cases.
• Provide advice, when required, to colleagues from other departments.
• Work closely with related departments to ensure that insurance applications are processed timely and accurately.
• Miscellaneous duties and administrative support as required for research & data analysis pertaining to underwriting

Skills

Underwriting concepts

Communication

Analytical thinking

Attention to detail

Teamwork

Multitasking

Adaptability

Education

Diploma / degree

Job description

Raffles Medical Group is seeking an experienced Insurance Underwriter to define terms of health insurance policies. You will evaluate applications, analyze background information, and assess risk to ensure alignment with policy criteria.

Responsibilities include underwriting products such as Term Life, Critical Illness, Hospitalisation & Surgery, and Outpatient; prepare documentation for medical examinations; liaise with Senior Underwriter for complex cases; and provide cross‑departmental