Website:
uniquehire.com
Job details:
Job Summary
We are seeking an experienced Medical Consultant to provide expert medical guidance for life insurance underwriting, claims assessment, and medical risk evaluation. The role involves reviewing complex medical cases, interpreting clinical records and diagnostic reports, and supporting underwriting and claims decisions through accurate medical opinions. You will also contribute to quality assurance, knowledge sharing, and cross-functional initiatives.
Key Responsibilities
Medical Review & Risk Assessment
Review and assess complex medical cases for life insurance underwriting and claims.
Interpret medical records, diagnostic reports, laboratory results, ECGs, stress tests, and physician statements.
Provide written and verbal medical opinions to support underwriting and claims decisions.
Conduct medical risk assessments, including morbidity and mortality reviews.
Summarize complex medical information into clear, concise reports for internal stakeholders.
Review approved claims to determine the ongoing validity of medical restrictions and limitations.
Support quality assurance activities and provide medical expertise for business initiatives.
Deliver training and guidance to internal teams on medical and clinical topics when required.
Required Skills & Experience:
• MBBS is mandatory.
• Strong ability to review and interpret medical records, diagnostic reports, and clinical information.
• Experience in Life Insurance Underwriting and/or Disability Income Insurance Underwriting, preferably supporting US insurance carriers.
• Exposure to medical risk assessment, morbidity and mortality evaluation, underwriting support, claims review, or insurance medicine will be highly preferred.
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