Life & Medical Underwriter
Asian Alliance Insurance
Total des années d'expérience :24 years, 10 Mois
Underwriting - life & medical, standard and sub standard risks, various occupational and recreational risks, term riders, accidental death benefit, disability covers, hospitalization and family healthcare benefit, critical illness, wavier of premium benefit, family income benefit rider.
Common diseases such as diabetes, blood pressure, heat attacks, asthma, obesity, underweight and related diseases.
Interpretation of medical documents such as medical examiners reports, chest x-ray, ECGs, FBST, Serum Cholesterol,
Financial evaluation of the risk, financial reports and audited statements
Incorporation of exclusions, policy wording and conditions, Policy drafting
Policy servicing - inclusion and exclusion of covers, premium reduction, renewals, revivals, assignment to bank and re-assignment, surrenders, paid up policies, policy loans
Claims - hospitalization, family healthcare, death benefits, critical illness, various terminal benefits, maturities etc.
Life and medical underwriting, standard & sub standard lives, various occupational, sports and recreational risks, group life, loan protections policies, hospitalization, family income, disability supplementary benefit riders.
Policy Holders Servicing - renewals, revivals, alternations, additions & deletions.
Claims - death, hospitalization, critical illness, maturities etc.
Reinsurance & Group pension Administration.
Policy wording, conditions & exclusions drafting
Worked as a team to design life product
Designed proposal forms, various questionnaires related to the underwriting
Conduct training session for field staff, brokers & new recruits.
Saved the company by substantial amount developing Re-quotation System embeds with automatic medical requirement,
Computerize premium calculation method for Bank assurance using spread sheet Applications.
Involved in development of Computer Application for Life Insurance, Participated training programs conducted by Munich Re (German Reinsurance Company)
Life and Medical Underwriting, Customer Services and Claims. Middle level decision making supervise the junior staff, training of field staff & brokers, Administrative duties of clerical grade approve of leaves etc. training & motivation
Acceptance of new business, scrutiny of proposal form, registration, premium calculation, data entry of customer information, validation of data, initial underwriting, reference to medical officer, issue acceptance, answering customers queries, preparation of policy documents, fax premium quotations
Passed following subjects, Risk and Insurance, Contract Law, Business Environment, Life Assurance, Life and Disability underwriting,
Competitive examination to enter university
Competitive examination to enter Higher Education