We are seeking a highly analytical and detail-oriented Medical Underwriter to join our team This is a critical role responsible for evaluating complex medical and non-medical data to assess risk and determine appropriate insurance decisions You will directly impact our business by setting the eligibility coverage amount and premium rates for applicants ensuring decisions are fair accurate and compliant This is a full-time permanent and exclusively in-person position Key Responsibilities Application Review Thoroughly evaluate insurance applications detailed medical reports health records and diagnostic tests Risk Assessment Quantify the degree of medical risk associated with applicants to determine their insurability Decision Making Classify applications and recommend approval modification e g rate-up or decline based on established underwriting guidelines Communication Liaison Liaise professionally with medical professionals agents and internal departments to acquire necessary supplemental information Compliance Accuracy Ensure all underwriting decisions comply with company policies legal regulations and risk management principles Record Keeping Maintain detailed accurate underwriting records and documentation Continuous Improvement Stay current on medical and insurance industry developments to improve processes and risk assessment tools Qualifications Skills Education Bachelor s degree in Life Sciences Medicine Nursing or a related analytical field Preferred Professional Certification in underwriting or insurance LOMA ALU etc Experience Proven experience in life or health insurance underwriting is required Preferred 1-3 years of dedicated experience in medical underwriting Strong understanding of risk assessment principles policy terms and claims processes Core Skills Exceptional analytical and decision-making skills High standard for attention to detail and data accuracy Excellent communication documentation and interpersonal skills Proficiency in MS Office Suite and experience with insurance software tools Job Details Benefits DetailDescriptionJob TypeFull-time Permanent Job Type Full time Work Location In person

📌 Medical Underwriter (Kerala)
🏢 Prompttech Solutions
📍 Kerala