Sr Associate / Specialist - Health Underwriting
ACKO · Bangalore
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Last observed by our collector: . This is not a manual review or a confirmation from the employer.
Employer requisition: 59193
Job type and experience labels are automated discovery categories. The employer determines eligibility. Retained employer experience wording: 3+ years.
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Collected role description
Bengaluru · Full Time · On-Site. We are looking for an experienced Core Medical Underwriter (CMU) who blends strong clinical risk assessment with exceptional… organization serving the digitally-savvy, ACKOʼs value proposition of ʻWelcome Changeʼ focuses on offerings that make insurance simple and hassle-free! With features such as zero commission, zero paperwork, instant renewal, same-day claim settlements, and app-based updates on claims, ACKO is a 'Welcome Change' from traditional insurers. Having said that, we are not just another conventional insurance firm, or the people consulted solely for "claims”! Anchored in a tech-centric philosophy, ACKOʼs approach fuels innovation, empowering us to develop comprehensive products that cater to every aspect of our customers' insurance requirements. And while we are at it, we put our Ackers at the heart of everything we do. We're not your typical 9-to-5 workplace; we're a vibrant and inclusive bunch of innovators and creators making sure every Ackerʼs idea matters, their voice is heard, and their growth is part of our mission. Job Description We are looking for an experienced Core Medical Underwriter (CMU) who blends strong clinical risk assessment with exceptional call quality. The CMU serves as the final medical decision authority for health insurance cases requiring clinical evaluation, interpreting specialized cardiac tests, and directly engaging with customers to explain underwriting outcomes with empathy and clarity. Key Responsibilities Medical Underwriting: Evaluate health applications, customer medical history, and clinical documentation to perform comprehensive medical risk assessments. Case Decisioning: Review cases post-PPMC and determine underwriting outcomes including standard acceptance, loading, exclusions, postponement, or decline. Cardiac Interpretation: Demonstrate specialized capability in interpreting advanced cardiac investigations, including ECG, 2D Echo, and TMT. Customer Calling & Quality: Conduct high-quality Tele-Medical Evaluations (Tele-MER) and clearly explain complex reproposals, loadings, or requirements to customers. Compliance & Service: Maintain high standards of documentation accuracy, ensure strict compliance with internal and regulatory guidelines, and deliver choices within SLAs. Required Qualifications & Competencies BAMS/BHMS/BPT/BDS/B.Pharm/Nursing/Pharm D degree from a recognized medical institution with valid Medical Council registration. Minimum 3 years of experience in health insurance underwriting, clinical risk assessment, or medical adjudication. Proven mastery in evaluating laboratory reports and specialized diagnostic profiles (specifically ECG, 2D Echo, and TMT). Excellent verbal communication, customer-centric call handling qualities, and active listening skills. High attention to detail, strong problem-solving skills, and comfort operating in a fast-paced, digital-native environment. Apply for this position Autofill from resume Save time by uploading your resume. (Only PDF or DOCX format supported) Upload file Loading...
Collected experience requirement
3+ years