1. Doctors with experience in life insurance underwriting and / OR disability income insurance underwriting for US life insurers /carriers either working from India
2. MBBS graduates or postgraduate doctors only

Key Responsibilities

Medical Consultation & Case Review

- Provide timely, highquality medical consultations, including interpretation of diagnostic tests, clinical documentation review, and medical risk assessment
- Conduct morbidity and mortality reviews to support underwriting and claimsrelated decisions
- Review and analyze attending physician statements, medical records, lab reports, EKGs, stress tests, and other relevant clinical documentation
- Summarize complex medical records and clinical findings to support downstream decisionmaking by internal and external medical stakeholders
- Review approved claim files to assess the ongoing applicability of medical restrictions or limitations
- Doctors with experience in life insurance underwriting and / OR disability income insurance underwriting for US life insurers /carriers either working from India
- MBBS graduates or postgraduate doctors only

Medical Research & Analysis

- Conduct research on medical conditions and impairments and their relationship to morbidity and mortality
- Maintain current knowledge of relevant medical literature, clinical guidelines, and insurance medicine practices
- Provide subject matter expertise for largescale projects, departmental initiatives, and crossfunctional programs

Training & Staff Development

- Develop and deliver medical education and training programs for underwriting, risk management, and claims teams
- Coach and support junior or less experienced medical colleagues on case review methodology, clinical reasoning, and documentation standards
- Provide ongoing clarification and education through oneonone consultations and group discussions

Operational Responsibilities

- Conduct and/or interpret EKG examinations (where applicable based on qualification and scope of practice)




- Manage medical referrals based on defined risk thresholds and internal guidelines
- Support BAU (Business As Usual) activities, including:
- Medical data gathering for teleinterviews and structured health questionnaires (CMI, SHQs, SHS)
- Review of MIB disclosures and sensitive laboratory results
- Support for ACLIrelated work and general medical quality assurance activities

Leadership & Collaboration

- Act as a Subject Matter Expert (SME) on specialized medical projects and initiatives
- Lead complex problemsolving efforts within the medical team and in collaboration with underwriting, claims, and business partners
- Contribute to the development, review, and ongoing maintenance of underwriting medical manuals, policies, and clinical guidelines

Eligibility & Qualifications

- MBBS with active license to practice medicine
- Active or prior registration/licensure with a relevant professional medical or healthcare authority, where applicable.
- Demonstrated ability to analyze, interpret, and apply complex medical and clinical information in a nonpatientfacing, decisionsupport environment
- Strong understanding of medical documentation, diagnostic reports, laboratory data, and clinical narratives
- Proven capability to assess medical risk, morbidity, and mortality using evidencebased reasoning and available clinical data
- Excellent written and verbal communication skills, with the ability to clearly articulate medical opinions to both clinical and nonclinical stakeholders
- Solid analytical, criticalthinking, and problemsolving abilities
- Ability to work independently, manage complex casework, and contribute to process improvement initiatives
- Demonstrated aptitude for collaboration, mentorship, and knowledge sharing within multidisciplinary teams

Experience in insurance medicine, underwriting support, claims review, population health, utilization management, clinical audit, or healthcare analytics is preferred.

Work Location & Schedule

- This role is based out of the Hyderabad office and follows a hybrid working model.

📌 Medical Consultant (Telangana)
🏢 Uniquehire Consulting
📍 Telangana