Health Pricing Specialist
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Key skills for this role
About the Role
Howden seeks a Health Pricing Specialist in Dubai to evaluate medical risk and develop accurate pricing for health insurance portfolios. Responsibilities include underwriting, financial analysis, data modeling, and market engagement.
Key Skills for This Role
Responsibilities
- Assess medical risk for group and individual policies based on claims experience, demographics, and benefit design
- Review clinical information, claims trends, and high cost claim drivers
- Translate underwriting assessments into clear, commercially focused recommendations
- Develop and validate pricing recommendations
- Conduct claims trend analysis including frequency, severity, and large loss volatility
- Build and refine pricing assumptions (e.g. inflation, credibility, pooling, utilisation forecasts)
- Model the impact of benefit changes and perform scenario analysis
- Analyse detailed claims datasets to identify key cost drivers
- Support development of internal pricing tools and forecasting models
- Review and challenge insurer pricing assumptions
- Collaborate with insurers to clarify underwriting decisions
- Support renewal negotiations through data driven insights
Requirements
- Bachelor's degree in Business, Finance, Insurance or a related field
- Minimum 5–8 years of insurance experience as medical underwriting or health insurance pricing
- Experience with group medical schemes and market benchmarking
- Strong technical knowledge of medical underwriting and health insurance pricing
- Advanced analytical capability including actuarial/statistical modelling
- Ability to interpret complex claims data
- Strong communication skills
- High attention to detail
- Ability to work under pressure during renewal cycles
Full Job Posting
Role Overview
- The Health Pricing Specialist is responsible for evaluating medical risk, developing accurate pricing recommendations, and ensuring the sustainability and competitiveness of health insurance portfolios.
Key Responsibilities
- Underwriting & Risk Assessment: Assess medical risk for group and individual policies.
- Pricing & Financial Analysis: Develop and validate pricing recommendations; conduct claims trend analysis.
- Data & Modelling: Analyse claims datasets; support development of pricing tools and forecasting models.
- Market Engagement & Negotiation Support: Collaborate with insurers; support renewal negotiations.
- Reporting & Presentation: Prepare underwriting summaries; present pricing outcomes to stakeholders.
Key Requirements
- Bachelor's degree in Business, Finance, Insurance or related field.
- Minimum 5–8 years of insurance experience as medical underwriting or health insurance pricing.
- Experience with group medical schemes and market benchmarking.
- Strong technical knowledge of medical underwriting and health insurance pricing.
- Advanced analytical capability including actuarial/statistical modelling.
- Ability to interpret complex claims data.
- Strong communication skills.
- High attention to detail.
- Ability to work under pressure during renewal cycles.
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