Senior Underwriter - Health Insurance

To evaluate, assess, and underwrite health insurance risks in compliance with UAE regulatory authorities (DHA, DOH, MOH), ensuring profitable portfolio growth while maintaining regulatory adherence and service excellence.

• Assess individual and group health insurance applications, including medical, financial, and occupational risks.
• Evaluate proposals, endorsements, and renewals based on underwriting guidelines and risk appetite.
• Determine appropriate premium rates, coverage limits, exclusions, and terms.
• Analyze claims history, loss ratios, and demographic data to support underwriting decisions.
• Ensure all underwriting practices comply with DHA, DOH, and MOH requirements.
• Maintain awareness of mandatory benefits.
• Support regulatory audits and internal compliance reviews.
• Review and approve policy issuance, renewals, and endorsements.
• Customize policy wording and benefits based on client...