Insurance Officer – Medical Underwriting
The Insurance Officer - Medical Underwriting is responsible for evaluating and assessing medical insurance inquiries/ requests, analysing health risks, and determining appropriate terms, coverage levels, and premiums. Working within an insurance brokerage setting, the insurance officer will liaise between clients, insurers, and internal departments to ensure accurate risk assessment and seamless policy placement.
About This Job
Join our team of professionals dedicated to excellence. We seek driven individuals with the right skills, experience, and passion for delivering top-tier insurance solutions. Check the basic qualifications required to be part of our growing company.
Key Responsibilities
Assess group medical insurance proposals by analysing member demographics, claims history, and risk exposure to determine suitable premiums and policy terms, while ensuring regulatory and compliance
Coordinate with insurers to negotiate competitive pricing and benefits, and support client-facing teams by providing input during meetings and renewals.
Provide recommendations and prepare comparison reports and presentations for clients.
Monitor policy performance, loss ratios, and claims trends while maintaining strong client engagement through effective communication, onboarding, and timely issue resolution, ensuring client satisfaction, supporting retention, and guiding renewal and risk management strategies.
Build and maintain strong relationships with insurers to support competitive placements and strengthen long-term business partnerships.
Maintain accurate records, prepare analysis reports, and present comparisons and recommendations to clients and management.
Initiating requests for quotations (RFQ) to eligible insurers and ensuring prompt receipt of quotations through diligent followup.
Managing a high volume of phone inquiries and delivering exceptional customer service while addressing various group medical insurance needs
Compiling and presenting weekly and monthly reports for management, highlighting total premiums per client for both New Business and Renewals.
Knowledge of reinsurance terms and practices is a plus
Job Requirements
Bachelor’s degree in Insurance, Business Administration, Healthcare Management, Medical Sciences, or a related field
Professional insurance certifications are an advantage (e.g., CII, IFRS 17 awareness, Medical Insurance/Underwriting certifications)
2–5 years of experience in medical insurance underwriting, operations, or brokerage
Prior experience working with UAE medical insurance products (individual, group, SME, and corporate)
Exposure to dealing with multiple insurers, TPAs, and healthcare providers
Experience in policy placement, renewals, and endorsements
Skills Required
Ability to accurately evaluate medical information, claims history, and demographic data
In-depth understanding of the local and regional health insurance market.
Excellent Customer Service Skills
Awareness of competitor offerings to negotiate optimal terms.
Skill in negotiating with insurers to secure favourable terms for clients
Ability to explain decisions to non-technical stakeholders.
Ability to manage multiple quotes and renewals under time pressur
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606, Al Ghaith Tower, Hamdan Street – Abu Dhabi, UAE.