Job Description

Underwriter Sukoon Insurance Company, Omar Bin Al Khattab Street Next to Al Ghurair Mall, Deira P.O. Box 5209, Dubai, United Arab Emirates Full Time Permanent (40 hours per week) - Onsite

Here you'll be welcomed. We champion diversity and we understand the importance of our people representing the communities and customers we serve. You'll find an inclusive environment where you can be yourself and where everyone is driven by the same purpose - helping people live longer, healthier, happier lives and making a better world.

Bupa Global is the international health insurance division of Bupa. We provide customers who want premium international coverage with products and services to access the healthcare they need anytime, around the world, whether at home or when studying, living, travelling or working abroad.

Bupa Global has offices around the world including London and Brighton (UK), Dublin (Europe), Miami (USA), Dubai (UAE, in partnership with OIC), Egypt and Hong Kong (China) as well as regional offices in mainland China, Singapore, the Dominican Republic, Bolivia, Panama, Guatemala and Ecuador.

Role Overview Understand and assess the medical risks associated with medical conditions and the range of potential treatments and their costs.

What you'll do:

Understand and assess the medical risks associated with medical conditions and the range of potential treatments and their costs.

Ensure that new individual members' and SME groups applications are underwritten in a consistent and timely manner so that they are processed within the agreed Service Level.

Consider the business implications and customer needs associated with the medical risk assessment as appropriate to make an accurate decision.

Take responsibility of working collaboratively with other business areas such as sales to achieve the best outcome for both the customer and the business.

To request further medical information where necessary to process an application to join/upgrade and follow up these requests to prevent a no sale wherever possible.

To maintain up to date knowledge of all Bupa Global products to ensure accurate assessment of risk as well as any policy changes that influence medical risk.

Act as an expert point of reference to other areas of the business within Bupa Global in relation to underwriting and medical non-disclosure.

Carry out thorough and detailed investigation of cases referred into the team to determine whether the symptom or condition being claimed existed prior to the customer's original date of joining Bupa Global and was not disclosed at the point of application.

Use medical risk assessment techniques to assess the level of potential medical risk associated with a claim or a pre-authorisation request.

Pro-actively contact medical/healthcare practitioners, members, providers, service partners and intermediaries in the most appropriate way to gain sufficient information to make a decision.

Accurately maintain and update customer records on the customer management system. Ensure that records are accurately updated whenever a customer makes contact

Be tenacious in approach, pursuing each case to the best of our ability ensuring that we explore every appropriate angle, and gain the widest and most comprehensive view of the case before deciding.

Record full and robust case investigation information and decision-making rationale and adhere to defined referral, escalation, and decision-making standards.

Ensure all cases are dealt with in a consistent and timely manner and in line with the agreed service level.

Comply with all regulatory and governance requirements including DHA, IA, DOH and Treating Customers Fairly.

Achieve all targets for contact handling, turnaround times and quality.

Participate in regular 121s and team meetings with your manager.

Support new team members and act as a role model for the team demonstrating outstanding personal behaviours and performance.

Contribute to the continuous improvement process by challenging existing processes and contributing ideas for improvement.

Proactive submission of improvement initiatives to enhance loss ratios and service.

Identify sources of data and analyse data to make rational decisions and reasonable recommendations.

What you'll need:

Background in the global health insurance market, or relevant transferable skills and knowledge from other financial services industries such as Life Insurance, Retail, Commercial or Investment Banking and Wealth Management.

Sound medical knowledge, gained through internal training and experience and/or previous medical background. Ability to identify sources of data and analyse data to make rational decisions and reasonable recommendations.

Experience of medical underwriting, risk assessment or claims management and decision-making within the healthcare sector or protection insurance arena.

A track record of achieving and exceeding productivity and quality targets in a high performing team environment Highly customer focussed, considering impact on customers and business, and responding promptly and co-operatively to internal and external customers balancing decisions with the needs of the customer and of the business.

Excellent interpersonal, communication and influencing skills are required with emphasis on achieving results and successful outcomes

An ability to speak a second language would be an advantage

Why Bupa? We are a health insurer and provider. With no shareholders, our customers are our focus. We reinvest profits into providing more and better healthcare for the benefit of current and future customers.

Our benefits are driven by what matters to our people. It's important to us that these benefits support a work-life balance that keeps people healthy, both mentally and physically. You will be eligible for:

· 25 days holiday, increasing through length of service, with option to buy or sell · Bupa health insurance as a benefit in kind · An enhanced pension plan and life insurance · Annual performance-based bonus · Onsite gyms or local discounts where no onsite gym available · Various other benefits and online discounts

Diversity and Inclusion Bupa is committed to making sure that every applicant is assessed solely on personal merit and qualifications. We actively celebrate the diversity of our colleagues and provide an inclusive environment so you can bring your true self to Bupa. We'll make sure you are treated fairly. That's why we're happy to offer reasonable adjustments as part of our recruitment process to anyone that needs them.

Whether you've found your feet or are discovering a new path. Welcome to a place that celebrates you. This isn't where you've been. This is where you're going. This is what we have belief in

Time Type:Full time

R1122293