Medical & Hospitalization Underwriter

5 days ago

Makati City, National Capital Region, Philippines MAAGAP INSURANCE INC. Full time ₱2,000,000 - ₱2,500,000 per year

POSITION SUMMARY:

MAAGAP is seeking a detail-oriented and analytical Medical & Hospitalization Insurance Underwriter to conduct thorough assessment of health insurance applications, determine risk levels, and make or recommend sound underwriting decisions. The ideal candidate must possess strong underwriting skills and solid medical background, with experience in evaluating medical and hospitalization programs and managing associated risk.

ESSENTIAL FUNCTIONS:

· Develop underwriting guidelines, policies, systems, and procedures to serve as a framework for sound decision-making regarding the acceptance, rejection, and renewal of the risks.

· Formulate and recommend appropriate policy terms and conditions, including applicable exclusions and exceptions.

· Ensure underwriting practices comply with MAAGAP company policies and all relevant regulatory requirements.

· Actively participate in product development and pricing by providing risk assessment insights and underwriting expertise

· Collaborate with medical advisors and actuaries, especially in complex or high-risk cases requiring specialized evaluation.

· Supervise the review and assessment of all submitted business risks – both Individual and Group – to ensure completeness, accuracy, and adequacy of application information.

· When necessary, conduct comprehensive medical evaluations and interpret applicant medical histories and date to assess the company's risk exposure.

· Develop the Department goals and KPIs aligned with the company's strategic objectives.

· Lead and manage the daily operation of the Medical and Hospitalization Department.

· Minimum of 3-5 years of management experience required for leading departmental operations.

Education:

  • Actuarial Degree or Medical Degree equivalent

  • Acceptable qualifications include degrees in Actuarial Science, Statistics, Nursing, Medicine (MD), or Mathematics

Experience:

  • With experience in handling group and individual insurance products.

  • Minimum of 5-7 years of experience required in handling group and individual insurance products

  • Good Understanding of medical and hospitalization program

  • Has the ability to assess local and international medical cases

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