Underwriting & Risk Assessment

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- Underwrite complex and high sum insured retail health insurance proposals with thorough risk assessment and appropriate decision?making.

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- Review and analyze proposal forms, portability forms, declarations, past policy documents, and underwriting histories to identify material disclosures and risk indicators.

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- Review and interpret medical documents, investigation reports, discharge summaries, prescriptions, and specialist opinions, ensuring accurate utilization of medical information in underwriting decisions.

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- Evaluate pre?policy medical examination reports and correlate findings with disclosed medical history.

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- Approve, decline, load, or apply exclusions in line with underwriting philosophy and company risk appetite.

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- Ensure adherence to IRDAI regulations, company underwriting guidelines, product features, and internal SOPs.

Team Management & Leadership

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- Lead, mentor, and manage a team of medical underwriters, ensuring productivity, quality, and compliance.

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- Allocate work, monitor daily throughput,



and ensure optimal utilization of team capacity.

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- Conduct performance reviews, coaching sessions, and quality audits to improve underwriting outcomes.

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- Drive a culture of accountability, continuous learning, and underwriting excellence.

Process, MIS & Governance

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- Ensure daily productivity MIS, quality metrics, dashboards, and process reports are published accurately and on time.

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- Review underwriting deviations, exceptions, and referral trends, and take corrective actions.

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- Partner with operations, sales, and product teams to improve underwriting processes and turnaround time (TAT).

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- Support audits, inspections, and regulatory reviews related to underwriting.

Stakeholder & Customer Management

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- Resolve complex customer, sales, broker, and partner queries or grievances related to underwriting decisions.

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- Act as a subject matter expert for escalations involving medical or under

📌 Assistant Vice President (New Delhi)
🏢 HDFC ERGO General Insurance
📍 New Delhi