Doctor

Discovery; Johannesburg; On-site; ZAR 1,000,000 - 1,500,000; Full time

Job summary

Discovery Life seeks a Medical Doctor to provide medical support for underwriting and claims, with active HPCSA registration. You will evaluate risk, advise on policy activation, and contribute to product development and legal analyses.

Join a dynamic team dedicated to evidence-based underwriting, risk management, and excellent customer service across Discovery Life and the broader group.

Qualifications

• Medical knowledge across disciplines
• Analytic thinking to assess risk and claims
• Ability to manage complexity and make decisions in complex situations
• Work closely with multidisciplinary teams
• Strong interpersonal communication and collaboration with stakeholders

Responsibilities

• Provide medical support and risk assessment for underwriting to protect Discovery Life profitability.
• Evaluate medical aspects of claims to ensure validity and manage loss ratios.
• Offer medical guidance to Smart Services to improve customer service and policy activation.
• Develop medical standards, guidelines, and forms for evidence-based underwriting.
• Support product development and legal teams with medical expertise for analyses and risk assessments.

Skills

Analytic skills

Decision making

Problem solving

Interpersonal relations

Team collaboration

Education

MBChB or equivalent

Internship & community service

HPCSA registered

Job description

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Doctor

Business Unit: Discovery Life

Function: Clinical

Discovery – Discovery Life

Doctor

About Discovery

Discovery’s core purpose is to make people healthier and to enhance and protect their lives. We seek out and invest in exceptional individuals who understand and support our core purpose, and whose own values align with those of Discovery. Our fast-paced and dynamic environment enables smart, self-driven people to be their best. As global thought leaders, Discovery is passionate about innovating in order to not only achieve financial success, but to ignite positive and meaningful change within our society.

About Discovery Life

Discovery Life is an ever growing fast-paced and dynamic environment that provides innovative risk assurance to individual clients. This environment thrives on customer engagement and customer experience as well as mutually beneficial relationships with our brokers and other stakeholders. It is important for our employees to provide a world class service to our internal and external clients, thereby ensuring long and sustainable relationships.

About the Medical Team

The medical team is a small unit that offers specialized advice in the insurance medical field to multiple business units in Discovery Life.

Key Purpose

To provide medical support and research for the Technical Marketing, Product Development and Legal teams as well as medical support, research and training for underwriting and claims for Discovery Life, Discovery Group and the Smart Service team.

Areas of responsibility may include but not limited to

• Medical evaluation of risk for underwriting to minimize the risk to Discovery Life and to improve profits.
• Medical evaluation of claims to ensure validity, to keep the actual versus expected claims ratio at an acceptable level.
• Medical and technical support and guidance to Smart Services to optimize customer service and to facilitate the activation of policies.
• To develop standards and guidelines and forms to ensure accurate evidence-based underwriting and to ensure competitiveness whilst being profitable.
• Technical marketing / product development – providing medical expertise to answer queries and to assist with product development by providing a medical service to the distribution team and product actuaries.
• To provide medical expertise to the legal team for ombudsman and court cases to limit adverse ombudsman findings and judgements against Discovery Life.
• Action orientated
• Interpersonal savvy
• Situational adaptability

Technical Skills and Knowledge

• Full, active registration with the HPCSA as a medical practitioner
• Medical knowledge in a wide range of disciplines
• Analytic skills
• Ability to manage complexity
• Decision making in complex situations
• Problem solving
• Ability to work closely with different teams
• Good interpersonal relations

Qualifications & Experience

• Completion of medical studies (MBChB. or equivalent), internship and community service.
• One to Two year’s work experience as a qualified doctor
• Full, active registration with the HPCSA as a medical practitioner

Advantageous:

• Post graduate studies in Occupational Health
• Post graduate studies in Insurance Medicine
• Experience in the long-term insurance industry field

EMPLOYMENT EQUITY The Company’s approved Employment Equity Plan and Targets will be considered as part of the recruitment process. As an Equal Opportunities employer, we actively encourage and welcome people with various disabilities to apply.