Retail Underwriting Officer - Clinical

About the role

We are looking for a Retail Underwriting Officer – Clinical to join Old Mutual’s health insurance team. The role involves evaluating retail health insurance applications, assessing medical risk, and ensuring appropriate terms and premiums are applied.

Key responsibilities

• Review new retail health insurance applications, decide on acceptance or decline, and prepare acceptance letters with exclusions, waiting periods, and premium loadings.
• Assess renewal policies, apply loadings, approve upgrades or downgrades of cover limits, and update renewal terms as needed.
• Document decisions on SharePoint for easy access and audit.
• Determine risk acceptability, recommend surveys, and monitor underwriting terms.
• Verify proposal forms and underwriting documents for authenticity.
• Prepare and follow up renewal notices to support policy retention.
• Ensure premiums are paid in line with selected benefits and limits.
• Maintain strong business relationships and monitor service standards to achieve high quality customer outcomes and improve health loss ratios.

Required profile

• Bachelor’s degree in a clinical or medical discipline (e.g., Medicine, Nursing, Pharmacy, Public Health).
• Minimum 1 year of experience in clinical underwriting, medical risk assessment, or a related health‑insurance role.
• Active enrollment or possession of an insurance certification such as ACII, CII, IIK, LOMA, or equivalent.
• Commitment to compliance with AML and sanctions policies.

Required skills

• Strong understanding of medical terminology, diagnosis, and treatment protocols.
• Knowledge of underwriting principles and risk assessment in health insurance.
• Familiarity with policy terms, exclusions, and benefit structures.