What are we looking for?

To lead the medical underwriting function by ensuring accurate assessment of medical risks, driving underwriting quality, supporting business growth, maintaining regulatory compliance, and mentoring the medical underwriting team.

What does the job entail?

Evaluate complex and high-value life insurance cases requiring detailed medical review.

Interpret medical reports, diagnostic findings, physician statements, and laboratory investigations.

Determine risk classification and appropriate underwriting decisions in line with company guidelines.

Recommend special terms, exclusions, ratings, or declinatures where necessary.

Portfolio & Quality Management

Monitor underwriting quality, consistency, and adherence to underwriting philosophy.

Conduct quality audits and identify trends in underwriting decisions.

Drive continuous improvement in medical underwriting processes and controls.

Ensure compliance with regulatory and internal risk management standards.

Stakeholder Management

Collaborate with distribution, sales,



operations, claims, reinsurers, and medical experts.

Provide underwriting support for escalated and exceptional cases.

Participate in discussions with reinsurers on complex medical cases.

Work Experience

- 8–12+ years of experience in life insurance underwriting with significant exposure to medical underwriting.
- Experience handling complex, high-sum-assured cases.
- Prior team management experience preferred.

Essential Qualification

- MBBS preferred; postgraduate qualification in Medicine/Insurance/Healthcare Management is advantageous.
- Relevant certifications in insurance underwriting are desirable.

Preferred Skills

- Medical risk assessment
- Life insurance underwriting
- Decision-making and judgment
- Risk management
- Analytical thinking
- Stakeholder management
- Leadership and people management
- Communication and influencing skills

📌 Senior Manager - Underwriting (India)
🏢 HDFC Life
📍 India