Remote Health Insurance Underwriter

Naukri Mitra; United States; Remote; USD 77,000 - 94,000; Full time

Benefits offered by this job

Medical, dental, vision

Flexible PTO

Internet/home office stipend

401(k) with matching

Remote mental health support

Job summary

Naukri Mitra is seeking a Remote Health Insurance Underwriter. This fully remote role focuses on turning scattered health data into decisive, auditable risk assessments. You’ll work with cloud-based platforms and collaborate with data scientists to refine AI-driven underwriting processes.

Ideal candidates have 3+ years in health underwriting, a Bachelor’s degree, and comfort using iPipeline, SQL, and Python or R. The position emphasizes compliance and scalable, automated decision making.

Qualifications

• 3+ years of health or life insurance underwriting experience.
• Bachelor's degree or equivalent professional background.
• Ability to interpret health risk factors from multiple data sources.

Responsibilities

• Evaluate health insurance applications using underwriting guidelines to determine eligibility.
• Communicate with providers and fellow underwriters to fill gaps or clarify records.
• Monitor decisions against federal and state regulations and maintain ethical standards.
• Help shape risk classification frameworks as new health data trends emerge.
• Collaborate with data scientists to test AI-assisted underwriting and refine models.

Skills

Health underwriting

Risk assessment

Data interpretation

Education

Bachelor's degree or equivalent

Tools

iPipeline

UnderwriteMe

SQL

Python or R

Job description

Insurance runs on decisions made by people who can read between the lines of a chart, a claim, or a data point that doesn't quite add up. That's the job of a Remote Health Insurance Underwriter — turning scattered health data into a decision someone can stand behind. This is a fully remote position built for someone who's spent enough time in underwriting to trust their own judgment, but who also wants to work somewhere that's actively rethinking how the job gets done — with automation, predictive analytics, and real data science backing up every call you make.

The Work Itself

You’ll evaluate health insurance applications using cloud-based underwriting platforms, pulling in information from electronic medical records, wearable devices, and prescription histories to build a full picture of risk. Some cases are straightforward. Others take digging — a call to a provider, a second look at a medical history, a judgment call that current guidelines don't fully cover.

Day to day, you can expect to:

• Apply current underwriting guidelines to make eligibility decisions on complex applications
• Communicate directly with healthcare providers and fellow underwriters to fill in gaps or clarify records
• Monitor your work against federal and state insurance regulations, keeping every decision ethically sound
• Help shape risk classification frameworks as new health data trends emerge

There’s also a research-and-build side to this role. You’ll work alongside data scientists to refine AI‑assisted risk models, test underwriting automation against real application scenarios, and use machine learning outputs to flag anomalies or anticipate claim probability. If a new system is being piloted, you’re likely one of the people stress‑testing it before it goes live.

Tools

You’ll be working in Expect daily use of industry underwriting software such as iPipeline or UnderwriteMe, alongside SQL‑based analytics environments for health claims data. Comfort with Python or R helps, since a fair amount of repetitive decision logic gets automated rather than done by hand. Data lives on secure cloud infrastructure — AWS and Azure — and every touchpoint, from EHR integrations to pharmacy data pulls, runs through HIPAA‑compliant, encrypted systems. Team coordination happens through Trello, Monday.com, or Jira, depending on the project.

What You Need to Have Done Already

At minimum, you’ll need 3 years of experience in a health or life insurance underwriting role, along with a Bachelor’s degree or equivalent professional background. You should be able to interpret health risk factors pulled from multiple data sources without much hand‑holding, and you should already be familiar with risk classification systems, insurance medical exams, and MIB records.

Beyond the technical side, this role rewards people who can:

• Make a logical call even when the data in front of them is incomplete or ambiguous
• Keep documentation organized and audit‑ready in a fully paperless environment
• Work well across remote, cross‑functional teams without losing momentum
• Explain and defend a risk decision clearly to senior underwriting management

What Would Make You Stand Out

Time spent at an InsurTech company or digital health startup is a strong plus, as is real fluency in ICD‑10 coding and diagnostic interpretation.

If you’ve worked with biometric scoring, genomics, or behavioral underwriting techniques before, mention it — and if you’re the type who gets genuinely excited about automating away busywork, you’ll likely enjoy how this team operates.

Naukri Mitra regularly places candidates from InsurTech backgrounds into roles exactly like this one, so that experience won’t go unnoticed here.

Pay and Benefits

This role pays $85,878 per year, with adjustments based on experience and performance. Along with salary, you’ll get:

• Full medical, dental, and vision coverage
• Flexible PTO, including optional recharge weeks built around wellness rather than burnout
• Stipends for high‑speed internet and home office setup
• A contribution‑matching 401(k) plan with access to financial advisory support
• Remote mental health support, including teletherapy access

How You’ll Grow

There’s a real path forward — toward Senior Underwriter, Risk Operations Lead, or a spot on a cross‑departmental task force exploring AI integrations across the underwriting process. Plenty of underwriters here end up mentoring newer hires or helping redesign onboarding for remote teams.

On the learning side, the company funds certifications like FALU, CLU, or LOMA, offers monthly stipends toward data science or compliance coursework, and gives you access to industry panels and virtual underwriting summits throughout the year.

Culture, Without the Buzzwords

Work happens across time zones, and the team leans on async communication so people can do focused work without being pulled into constant meetings. Slack is organized by domain expertise so questions find the right person fast, and biweekly retrospectives keep internal processes from going stale. A few times a year, the whole company runs a hackathon aimed at rethinking some piece of the underwriting process — and yes, underwriters are expected to show up with ideas, not just code.

Apply

Professionals from the United States, Canada, the United Kingdom, the European Union, Australia, India, and other eligible regions are welcome to apply — this team is built to be global from day one.

A Bachelor Degree or equivalent professional background is required, along with at least 3 years of experience in health or life insurance underwriting. Candidates should understand health risk factors, risk classification systems, insurance medical exams, and MIB records.