Senior Underwriter

The Medical Underwriter is responsible for evaluating medical insurance applications, assessing health risks, and determining appropriate premiums and coverage levels in accordance with company guidelines and UAE regulatory frameworks. The role involves making data-driven decisions, utilizing actuarial insights, and possessing strong analytical skills to ensure sustainable portfolio profitability.

• Evaluate individual and group medical insurance applications using medical reports, health declarations, lifestyle factors, and historical claims data.
• Assess risk levels and determine applicable premiums, exclusions, loadings, or coverage terms.
• Ensure compliance with UAE insurance regulations (e.g., DHA, DOH, MOHAP).
• Monitor the performance of the health insurance portfolio and identify trends or areas of concern.
• Recommend adjustments to pricing, underwriting guidelines, or risk controls to maintain profitability.

• Analyze claims data, loss ratios, and utilization patterns to support underwriting decisions.
• Prepare periodic underwriting reports, trend analyses, and risk summaries.
• Collaborate with actuarial teams to support pricing models and product development.

• Work closely with sales, operations, actuarial, provider relations, and claims departments.
• Communicate underwriting decisions clearly to brokers, clients, and internal stakeholders.
• Support corporate clients during renewal, including risk analysis and benefit optimization.

• Ensure accurate documentation of underwriting decisions and maintain high data integrity.
• Follow internal underwriting guidelines and participate in continuous improvement initiatives.
• Stay updated on UAE medical insurance regulations and market developments.

• Bachelor’s Degree in Finance, Statistics, Actuarial Science, Data Analysis, Economics
  , or a related analytical field.
• Professional certifications (preferred): CII, LOMA, or Actuarial exams (SOA/IFoA)
• Health insurance underwriting certifications
• Advanced analytical, quantitative, and statistical skills.

• 2–7 years of health/medical underwriting experience (depending on seniority level).
• Experience with UAE medical insurance products, pricing, and regulations (DHA/DOH/MOHAP).
• Exposure to underwriting systems, actuarial models, and medical risk assessment tools.
• Strong analytical and numerical skills.
• Excellent bilingual communication skills in both English and Arabic.
• Knowledge of medical terminologies and common chronic conditions.
• Proficiency in Excel, data analysis, or actuarial tools.
• Excellent communication and negotiation abilities.
• Ability to balance risk and commercial considerations.
• Close attention to detail and decision‑making accuracy.