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Account Executive

VIP Universal Medical Insurance Group (VUMI)
Dubai, UAE
Full Time
Mid
3 days ago
Medical InsuranceUnderwritingBroker ManagementPolicy AdministrationCRMCommunication
Free

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Medical InsuranceUnderwritingBroker Management
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Position Summary

  • The Account Executive will be responsible for handling international medical insurance applications, underwriting coordination, broker communication, quotation support, policy onboarding, renewals, and day to day operational follow up.
  • The role requires strong knowledge of medical insurance, underwriting requirements, broker servicing, policy administration, and coordination with internal departments and external partners.

Essential Functions Underwriting & New Business

  • Review new business applications for individual, family, and SME medical insurance policies.
  • Check application forms, declarations, medical disclosures, supporting documents, age, BMI, occupation, country of residence, geographic coverage, and plan eligibility.
  • Coordinate with the medical underwriting team for decisions such as acceptance, exclusions, loadings, deferrals, or additional requirements.
  • Obtain underwriting approval from the Head of Underwriting for all cases before communicating the final decision or proceeding with policy issuance.
  • Prepare clear communication to brokers regarding pending requirements, underwriting decisions, and policy terms.
  • Ensure all applications are processed in line with company underwriting guidelines, compliance requirements, and internal approval procedures.

Broker & Client Support

  • Act as the main point of contact for assigned brokers and partners.
  • Respond to broker queries in a professional, clear, and timely manner.
  • Support brokers with quotations, plan options, benefit clarifications, application forms, payment requirements, and the onboarding process.
  • Provide guidance on product rules such as geographic coverage, maternity waiting periods, newborn addition, payment frequency, and policy effective dates.
  • Maintain strong broker relationships and ensure smooth service delivery.

Policy Administration & Operations

  • Coordinate with operations teams for policy issuance, payment allocation, welcome kit release, membership cards, and portal access.
  • Follow up on pending documents, signatures, payment forms, and missing information.
  • Support renewals, corrections, endorsements, cancellations, and broker of record requests.
  • Ensure proper documentation and tracking of all cases handled.
  • Work closely with finance, claims, medical underwriting, customer service, and IT teams to resolve operational issues.

Quotations & Portal Support

  • Assist brokers with quote generation through the agent portal.
  • Review quote accuracy, plan selection, country of residence, geographic area, and premium details.
  • Escalate portal issues and coordinate with internal IT/support teams until resolved.
  • Provide basic training or guidance to brokers on portal usage where required.

Reporting & Process Improvement

  • Maintain daily tracking of pending applications, issued policies, broker queries, and operational follow ups.
  • Support monthly KPI reporting and business performance tracking where required.
  • Identify process gaps and suggest improvements to enhance turnaround time and service quality.

Minimum Qualifications

  • Minimum 3–5 years of experience in medical insurance, underwriting, policy administration, or broker servicing.
  • Good understanding of international private medical insurance products.
  • Experience in handling brokers, agents, or corporate clients.
  • Knowledge of medical underwriting requirements, exclusions, loadings, and policy terms.
  • Strong written and verbal communication skills in English.
  • Ability to write clear, polite, and professional emails.
  • Good attention to detail and ability to manage multiple cases at the same time.
  • Strong coordination skills with internal and external stakeholders.
  • Comfortable using CRM systems, insurance portals, Excel, Outlook, and reporting tools.

Preferred Qualifications

  • Bachelor’s degree in business, insurance, healthcare administration, or a related field.
  • Insurance certifications such as CII or equivalent would be an advantage.
  • Experience with international health insurance, TPA networks, or medical claims process is preferred.
  • Knowledge of Power BI, CRM, or dashboard reporting would be an added advantage.

Key Competencies

  • Strong ownership and accountability.
  • Accuracy in reviewing medical and policy documents.
  • Ability to work independently with minimal supervision.
  • Ability to handle pressure and meet turnaround times.
  • Good problem solving and follow up skills.
  • Excellent broker relationship management.
  • Professional communication style.
  • Team player with a service oriented mindset.

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