Location
dubai
Job Type
Full-time
Posted
July 02, 2026
Job Description
1. Individual Health Insurance Underwriting (New Business & Renewals)
- Review medical declarations, reports, and diagnostic results to assess medical risk
- Calculate risk-based premium surcharges for pre-existing conditions and health issues
- Request additional medical examinations or reports when needed for accurate pricing
- Review claims history and health changes at renewal to adjust premiums accordingly
- Document all decisions with clear medical rationale
2. Group Medical Insurance Underwriting
- Analyze group medical declarations to identify high-risk members, if needed
- Estimate potential claims costs from high-risk conditions, calculate aggregate premium loadings based on overall group medical risk profile and provide clinical justification for premium adjustments above standard rates
3. Mid-Term Changes: Overage Dependents & High-Risk Additions