Designation: Specialist / Consultant Chief Medical Officer

Job Location - Gurgaon

Salary upto 25 LPA

Job Objective -

Highest Education: MBBS degree from a recognized institution.
MD / DM in internal medicine, cardiology, pulmonology, radiology, or a related specialty

Experience:

Minimum 6 7 years of clinical practice in a hospital or specialty-care setting.
Robust experience in interpreting diagnostics and medical histories.
Experience with cardiometabolic, pulmonary, or lifestyle-related diseases.

Job Objective

To provide expert clinical guidance, medical interpretation, and risk assessment support to the life insurance underwriting function. This role ensures high-quality medical
evaluation, consistent risk decisions, and supports governance, training, and strategic initiatives in medical underwriting.

Medical and Clinical Expertise

Provide expert interpretation of medical records, diagnostic tests, and clinical histories.

Review and analyse:

- Electrocardiograms (ECG)

- Treadmill Tests (TMT)

- Echocardiograms (2D Echo)

- Pulmonary Function Tests (PFT)

- Ultrasonography (USG)

- Other relevant diagnostic and laboratory reports

Offer clinical opinions on mortality and morbidity impacts for life insurance applicants

Underwriting Support

- Advise underwriting teams on medical risk assessment and case decisions.





- Provide inputs for high-sum-assured and complex cases.

- Refine or review medical underwriting guidelines.

- Support facultative reinsurance discussions for medical assessment

Risk Assessment & Governance

- Participate in mortality trend analysis and medical risk reviews.

- Support underwriting audits and quality checks.

- Develop and review medical standards for underwriting and claims.

Stakeholder Collaboration

- Work closely with underwriting, actuarial, risk, reinsurance, and claims teams.

- Provide training, workshops, and technical sessions for underwriters and sales teams

Advisory & Strategic Input

- Stay updated on emerging medical advancements and their risk implications.

- Support product development, medical rules engine design, and medical grids.

- Contribute to automation, innovation, and transformation initiatives in underwriting.

Role Context.

This role is central to ensuring sound mortality risk assessment, improving underwriting quality, and enhancing medical governance across the organization. As an external specialist CMO, the individual will serve as the primary source of clinical expertise for critical business decisions

Interested candidate can send resume at

📌 Deputy Manager Underwriting (Gurugram)
🏢 Skywings Advisors
📍 Gurugram