Senior Officer – Health Underwriting (Individual)

Takaful Emarat Insurance

Dubai, UAE

Ref: SP304-01

Job description / Role

Employment: Full Time

• Analyzes and reviews individual quotations (new cases & renewals) as requested by the Sales Department for clients / brokers
• Ensuring all information provided is accurate and complete
• Verifies all relevant client information provided by the sales staff/clients/brokers, e.g. General Individual Data, Information provided on the MAF etc in order to use for risk assessment
• Based on the quotation template and data provided by the Sales team/clients/brokers, assess the level of risk and adjust the rates accordingly.
• Approves/ deny the quotation generated by U/W team based on risk assessment according to authority levels and refer where required to the U/W Manager
• Analyzes current year claims utilization in order to prepare renewals terms for all relevant clients
• Responds to general queries about pricing from the Brokers/Sales Department, providing them with all necessary information for the client
• Participates in performing renewal calculations/ assessment on monthly basis for cases due for renewal within the approved authority and refer cases above the authority to immediate Manager
• Assist in preparing monthly and quarterly Claim/ Loss ratio reports for the Senior Management
• Assist Underwriting Manager in management of day-to-day work by involving in work allocation, priority setting, review and update of procedures, involvement along with Manager in trainings and presentations
• Update the U/W manager on the work volumes, pending, review of SLA depending on the workload, discussion and involvement with system projects and any other projects that can help simplify work and improve the service
• Carries out any such other task as requested by the Department Manager


Qualifications and Education Requirements
• Bachelor’s Degree in related courses
• Working knowledge of general practices for Medical insurance procedures

Skills and competencies
• Computer literate with superior skills in Microsoft Word, Excel and PowerPoint
• Strong oral and verbal communication skills
• Sound interpersonal skills at all organizational levels with the ability to establish rapport with personnel across a wide variety of areas
• Goal oriented with an ability to work under minimal supervision
• Superior attention to detail with the ability to take ownership of issues / projects and see them through to resolution, implementation and completion with minimal supervision

About the Company

Takaful Emarat Insurance PSC, established in 2008, is a leading Shariah-compliant Life and Health Takaful Provider in the UAE. Takaful Emarat markets a wide range of individual and corporate life and health Takaful products including protection, savings and investment plans through variety of distribution channels. Takaful Emarat is also a participating insurer providing basic mandatory health insurance in the Emirate of Dubai. In December 2017 the Company acquired Al Hilal Takaful, which provides general Takaful products and services to individuals and corporates to become the largest Takaful group in the UAE.

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