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Senior Medical Underwriter

Job Introduction

Senior Underwriter, Bupa Global

Beijing office with hybrid working

Permanent, full time

Role Overview

Make decisions on Underwriting using clinical and medical risk knowledge. Ensure that all applications for membership are underwritten in a consistent and accurate manner, resulting in maximum risk protection.

Act as an expert point of reference on all aspects of underwriting and business policy to provide clarity, consistency and guidance to all areas of the business.

Make decisions on potential non-disclosure cases using clinical and medical risk knowledge. 

Act as an expert point of reference on all aspects of non-disclosure to provide clarity, consistency, and guidance to all areas of the business.

Role Responsibility

  • Understand and assess the medical risks associated with medical conditions and the range of potential treatments and their costs.
  • Ensure that all new applications for membership 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 protect the fund.
  • Act as an expert point of reference to other areas of the business and Bupa Global in relation to underwriting and business policy.
  • Articulate to Business colleagues, intermediaries, customers and the medical profession BUPA’s requirements and processes for Underwriting. Including the history of its development and the ongoing review process in a clear, knowledgeable and customer friendly manner.
  • Keep up to date with any policy changes that have an effect on medical risk.
  • Carry out review projects for development of policy changes, medical advancements, and underwriting developments. Carry out risk analysis. Communicate the outcome of the project in the most appropriate way. Compile and maintain a project file continually updating medical developments.
  • Work with the Underwriting Service Manager and Underwriting Governance to identify changes to working practices and processes, and to implement and follow the changes as required; Identify areas of process improvement and effectively communicate those opportunities with suggestions and recommendations for improvement and implementation.  ensure compliance with relevant legislation and compliance policy. In particular will ensure that the correct processes are being followed in relation to handling customer complaints and fair treatment of customers.
  • Assist in the training of new starters in the teams, and cross training of existing team members when required. Identify skill gaps, working with team members to address any areas for personal development.
  • Attend other area’s team meetings to provide them with training and updates on Underwriting and Medical Risk policy and business rules.
  • To provide a high-quality service to Bupa Global internal team in respect of technical aspects of Bupa Global policies, products and underwriting queries relating to future applicants and existing members.
  • To resolve promptly and fairly to written queries from members and other parties in respect of underwriting decisions.
  • Deal with referrals from other areas of the business in respect of potential underwriting implications, or large cases and substandard risks and policy cases.
  • To monitor the quality of business from all sales channels, reporting to China Service Manager and Underwriting Governance, recommending action as appropriate.
  • To request further medical information, where necessary in order to process an application to join/upgrade. To follow up these requests to prevent a no sale wherever possible.
  • To maintain up to date knowledge of all Bupa Global products, policies, and systems to ensure accurate assessment of risk and giving advice to third parties.
  • To provide input where required to literature and form design for new products or changes to existing products.
  • 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 patient’s original date of joining Bupa Global and was not disclosed at the point of application.
  • Maintain up to date knowledge of all BUPA Global products to ensure accurate assessment of risk and giving advice to third parties. Keep up to date with any policy and product changes that have an effect on medical risk.
  • Act as an expert point of reference to other areas of the business and Bupa Global in relation to underwriting and medical risk policy.
  • Apply business rules and medical policy to make the most appropriate and accurate decisions for the business, the member, and our members as a whole.
  • Liaise with other areas of Bupa Global to gain information required in order to make a decision. This includes claims, sales, and customer service.
  • Articulate to business colleagues, intermediaries, customers, and the medical profession Bupa Global requirements for medical risk assessment.
  • Deliver the underwriting to relevant parties as required.
  • Participate BCB weekly performance call in regards to the workload and issues of underwriting;
  • Report underwriting workload to BCB operation manager on monthly basis.
  • Comply with and abide by the regulatory requirements at all times.

The Ideal Candidate

  • Adequate underwriting experience for life & health insurance.
  • Experienced professional with knowledge of 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.
  • Significant knowledge and cultural understanding of the various regions and its market, and an ability to speak and write in both Mandarin and English is ESSENTIAL.
  • A track record of achieving and exceeding targeted business results/KPIs.
  • Strong stakeholder management experience, with the ability to build and strengthen relationships within the business at all levels.
  • Ability to identify sources of data, analyse data and make rational decisions and recommendations. Construct a reasoned case, providing sound justifications.
  • Sound medical knowledge, gained through internal training and experience and/or previous medical background.

About the Company

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.

Bupa’s purpose is longer, healthier, happier lives and making a better world.

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.

Bupa Global

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, anywhere in 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), Miami (USA), Copenhagen (Denmark), Dubai (UAE, in partnership with OIC), and Hong Kong (China) as well as regional offices in mainland China, Singapore, Egypt, Mexico, the Dominican Republic, Bolivia, Brazil, Panama, Guatemala and Ecuador.

Application process:

Timescales for reviewing applications will differ between regions, but you will always receive a response to your application. The recruitment process itself will vary per role and region, but you will be updated along the way via phone and email (so please look out for these!). To view what stage of the process your application is currently at, you can also log in and view your dashboard.

If you are invited to an interview, a member of the resourcing team will be able to advise you on what to expect. This will vary in region, but will likely include an initial phone or digital interview, followed by one or more of the following depending on the role: Core capability interview; Technical/function specific interview; Online profiling assessment; Presentation, written task, role play; Assessment centre.

If your application is successful and you’re invited to join the team, the resourcing team will guide you through your on boarding journey.

Should you require any reasonable adjustments to be made or facilities provided to enable you to attend an interview, please do not hesitate to contact us prior to the interview at bupaglobalcareers@bupa.com, so we can make adjustments accordingly.




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