INDIVIDUAL MEDICAL UNDERWRITER OFFICER
Job Fit Check
Base Career helps you apply smarter for this job.
Key skills for this role
About the Role
Takaful Emarat is seeking a detail-oriented Individual Medical Underwriter to evaluate and underwrite group medical insurance risks. The role involves analyzing quotations, assessing medical risks, and supporting business growth while ensuring profitability and compliance.
Key Skills for This Role
Responsibilities
- Analyze and review Individual Medical quotations (new business & renewals) as requested by the Sales Department
- Ensure all information provided is accurate and complete
- Verify relevant client information including medical declarations, proposal forms, and other underwriting documents for risk assessment
- Assess medical and underwriting risks and determine appropriate pricing and underwriting terms
- Approve or decline quotations based on risk assessment within delegated authority levels
- Analyze claims experience and underwriting performance to support renewal terms and pricing decisions
- Respond to pricing and underwriting queries from Brokers and the Sales Department
- Participate in renewal assessments and calculations for individual medical policies
- Assist in preparing monthly and quarterly claims/loss ratio and underwriting reports for Senior Management
- Support the Underwriting Manager in day to day operations, including work allocation, priority setting, and procedure reviews
Requirements
- Bachelor's degree in any discipline; medical, paramedical, life sciences, pharmacy, nursing, or healthcare related field preferred
- 3 5 years of experience in Individual Medical Insurance underwriting, preferably within the UAE insurance market
- Sound understanding of individual medical underwriting principles, medical risk assessment, pricing methodologies, and underwriting guidelines
- Knowledge of UAE health insurance regulations and industry practices
- Strong analytical, problem solving, and decision making abilities
- Excellent communication and stakeholder management skills
- High attention to detail and accuracy
- Proficiency in Microsoft Office applications and underwriting systems
Full Job Posting
About Takaful Emarat
- Founded in 2008, Takaful Emarat Insurance PSC is a leading provider of Shariah compliant Life and Health Takaful solutions in the UAE.
- We offer a broad portfolio of individual and corporate products including protection, savings, and investment plans.
Role Overview
- We are looking for a detail oriented and analytical Individual Medical Underwriter to join our Medical Underwriting team.
- The successful candidate will evaluate and underwrite group medical insurance risks, supporting business growth while ensuring profitability, compliance, and exceptional service standards.
Key Responsibilities
- Analyzes and reviews Individual Medical quotations (new business & renewals) as requested by the Sales Department for clients/brokers.
- Ensures all information provided is accurate and complete.
- Verifies all relevant client information provided by the sales staff/clients/brokers, including medical declarations, proposal forms, and other underwriting documents, for risk assessment.
- Assesses medical and underwriting risks based on the quotation template, medical information, and supporting documents, and determines appropriate pricing and underwriting terms.
- Approves or declines quotations generated by underwriting officers based on risk assessment within delegated authority levels and refers cases exceeding authority to the Underwriting Manager.
- Analyzes claims experience and underwriting performance, where applicable, to support renewal terms and pricing decisions.
- Responds to general pricing and underwriting queries from Brokers and the Sales Department, providing the necessary information for clients.
- Participates in renewal assessments and calculations for individual medical policies within approved authority limits and escalates cases requiring higher approval.
- Assists in preparing monthly and quarterly claims/loss ratio and underwriting reports for Senior Management.
- Supports the Underwriting Manager in day to day operations, including work allocation, priority setting, procedure reviews, training, and presentations.
- Updates the Underwriting Manager on work volumes, pending cases, SLA performance, system enhancements, and other initiatives to improve efficiency and service quality.
- Performs any other duties assigned by the Department Manager.
Qualifications & Skills
- Bachelor's degree in any discipline; a qualification in a medical, paramedical, life sciences, pharmacy, nursing, or other healthcare related field is an added advantage.
- Medical background or experience in a healthcare related field is preferred.
- 3–5 years of experience in Individual Medical Insurance underwriting, preferably within the UAE insurance market.
- Sound understanding of individual medical underwriting principles, medical risk assessment, pricing methodologies, and underwriting guidelines.
- Knowledge of UAE health insurance regulations and industry practices.
- Strong analytical, problem solving, and decision making abilities.
- Excellent communication and stakeholder management skills.
- High attention to detail and accuracy in evaluating medical, underwriting, and policy documentation.
- Proficiency in Microsoft Office applications and underwriting systems.
- Ability to work effectively in a fast paced and collaborative environment.
Why Join Us?
- At Takaful Emarat, you will be part of a dynamic organization committed to innovation, customer excellence, ethical business practices, and strong governance.
- As an Internal Audit Officer, you will play an important role in supporting effective internal controls, enhancing operational performance, and contributing to a culture of accountability and continuous improvement across the organization.
Apply for this job in 1 click
Skip the repetitive application forms
Install the Base Career Chrome Extension and autofill job applications across major job boards with your profile.
Trusted by over 500,000 job seekers on Base Career
More from this employer
More jobs at Takaful Emarat-Insurance (P.S.C)
Project Manager
Dubai, UAE
Takaful Emarat seeks a detail-oriented Project Manager to join its Medical Underwriting team. The role involves end-to-end project management, including planning, risk assessment, and stakeholder coordination. Candidates
Group Medical Underwriting Manager
Dubai, UAE
Takaful Emarat Insurance in Dubai is seeking a Group Medical Underwriting Manager to evaluate and underwrite group medical insurance risks, support business growth, and ensure profitability and compliance. The role requi
Life Insurance Supervisor
Dubai, UAE
Takaful Emarat Insurance seeks a Life Insurance Supervisor to oversee daily underwriting activities for Group Life and Individual Life portfolios. You will review and approve cases, ensure compliance, and provide technic
INTERNAL AUDIT OFFICER
Dubai, UAE
Takaful Emarat Insurance PSC is seeking a detail-oriented Internal Audit Officer to support the execution of internal audit assignments, evaluate internal controls, and identify areas of risk. The role involves reviewing
HEAD OF SHARIA INTERNAL CONTROL
Dubai, UAE
Takaful Emarat is seeking a Head of Sharia Internal Control to lead Sharia governance and compliance. The role requires developing and maintaining the Sharia governance framework, ensuring compliance with CBUAE regulatio
HEAD OF SHARIA AUDIT
Dubai, UAE
Takaful Emarat seeks an experienced Head of Sharia Audit to lead the Sharia audit function, ensuring compliance with Sharia principles and regulatory requirements. The role involves developing audit plans, conducting ind
GROUP MEDICAL UNDERWRITER OFFICER
Dubai, UAE
Takaful Emarat seeks a Group Medical Underwriter to evaluate and underwrite group medical insurance risks. The role requires 3-5 years of experience in group medical underwriting within the UAE market. Ideal for analytic
GROUP MEDICAL UNDERWRITER OFFICER
Dubai, UAE
Takaful Emarat seeks a detail-oriented Group Medical Underwriter to evaluate and underwrite group medical insurance risks. Requires 3-5 years of UAE group medical underwriting experience and a Bachelor's degree. Supports
Project Manager
Dubai, UAE
Group Medical Underwriting Manager
Dubai, UAE
Life Insurance Supervisor
Dubai, UAE
INTERNAL AUDIT OFFICER
Dubai, UAE
HEAD OF SHARIA INTERNAL CONTROL
Dubai, UAE
HEAD OF SHARIA AUDIT
Dubai, UAE
GROUP MEDICAL UNDERWRITER OFFICER
Dubai, UAE
GROUP MEDICAL UNDERWRITER OFFICER
Dubai, UAE