Underwriting & Risk Assessment
- Underwrite complex and high sum insured retail health insurance proposals with thorough risk assessment and appropriate decision?making.
- Review and analyze proposal forms, portability forms, declarations, past policy documents, and underwriting histories to identify material disclosures and risk indicators.
- Review and interpret medical documents, investigation reports, discharge summaries, prescriptions, and specialist opinions, ensuring accurate utilization of medical information in underwriting decisions.
- Evaluate pre?policy medical examination reports and correlate findings with disclosed medical history.
- Approve, decline, load, or apply exclusions in line with underwriting philosophy and company risk appetite.
- Ensure adherence to IRDAI regulations, company underwriting guidelines, product features, and internal SOPs.

Team Management & Leadership
- Lead, mentor, and manage a team of medical underwriters, ensuring productivity, quality, and compliance.
- Allocate work, monitor daily throughput, and ensure optimal utilization of team capacity.
- Conduct performance reviews, coaching sessions, and quality audits to improve underwriting outcomes.
- Drive a culture of accountability, continuous learning, and underwriting excellence.

Process,



MIS & Governance
- Ensure daily productivity MIS, quality metrics, dashboards, and process reports are published accurately and on time.
- Review underwriting deviations, exceptions, and referral trends, and take corrective actions.
- Partner with operations, sales, and product teams to improve underwriting processes and turnaround time (TAT).
- Support audits, inspections, and regulatory reviews related to underwriting.

Stakeholder & Customer Management
- Resolve complex customer, sales, broker, and partner queries or grievances related to underwriting decisions.
- Act as a subject matter expert for escalations involving medical or underwriting judgment.
- Collaborate with Sales, Claims, Actuarial, Product, and Legal teams for business initiatives and policy interpretation.

Training & Capability Building
- Conduct structured training sessions for team members on medical knowledge, underwriting concepts, disease biology, and regulatory updates.
- Develop and update training material, SOP interpretations, and underwriting best practices.
- Stay updated on emerging medical trends, treatment protocols, and insurance market developments and cascade learning to the team.

📌 Assistant Vice President Accident & Health Underwriting Delhi
🏢 HDFC ERGO General Insurance
📍 Delhi