Basic Function The Medical Underwriter reviews applications for life, disability
insurance and determines whether the requested coverage can be granted to the
individual. Individuals in this role medically underwrite applications for
Group Life, Long-Term Disability and/or Short-Term Disability Insurance. This
is done by utilizing medical underwriting tools such as the Medical Information
Bureau (MIB), medical records and/or medical examinations to assess risk.
Information pertaining to the applicant’s past and present medical conditions
are evaluated against company guidelines and decisions are made to either accept
the applicant for coverage or decline the application. Principal Duties &
Responsibilities To assess the overall risk by collecting, reviewing and
analyzing an applicant's relevant history and records, obtain additional
information to determine coverage needs, to give rating and to reduce the
possibility of adverse selection against the insurer by applying the available
insurance manuals guidelines.

📌 Senior Executive (Noida)
🏢 EXL
📍 Noida