Medical Underwriter

Job Responsibilities

1. Evaluate individual medical histories and assess risk factors for insurance coverage.
2. Analyze medical reports and documentation to determine appropriate coverage and pricing.
3. Collaborate with medical professionals and underwriting team to review and clarify medical information.
4. Stay updated on medical research, industry trends, and regulatory changes.
5. Ensure compliance with insurance regulations and company policies.
6. Make recommendations for coverage decisions based on medical findings and risk assessment.
7. Communicate with insurance agents and brokers to provide guidance on underwriting decisions.
8. Participate in underwriting meetings to discuss complex cases and provide input.
9. Maintain accurate and detailed records of underwriting decisions and communications.
10. Contribute to process improvement initiatives to enhance efficiency and accuracy of underwriting procedures.
11. Help the department with claims handling.
12. Help the department with endorsement processing.

Desired Candidate Profile

1. Minimum of 2-5 years of experience in medical underwriting or a related field.
2. Strong knowledge of medical terminology, insurance principles, and underwriting guidelines.
3. Familiarity with industry regulations and compliance standards.
4. Analytical and critical thinking skills to evaluate complex medical information and make sound underwriting decisions.
5. Excellent communication and interpersonal skills to collaborate with medical professionals and insurance agents.
6. Attention to detail and accuracy in reviewing and documenting medical information.
7. Ability to adapt to changing priorities and work effectively in a fast-paced environment.
8. Ethical and professional conduct in handling sensitive medical information.