The Underwriter is responsible for making decisions on underwriting using clinical and underwriting knowledge. Ensuring that all applications for membership are underwritten in a consistent and accurate manner, resulting in maximum risk protection.

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

Main Responsibilities

• 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 policy.
• Speak to a customer, either to clarify confusing information or to obtain more detail regarding a customer’s medical history.
• Articulate to business colleagues, intermediaries, customers and the medical profession BUPA’s requirements and processes for Underwriting  in a clear, knowledgeable and customer friendly manner
• By referring to the Milliman (Medical Underwriting Guidelines), identify all medical risks for an individual application to join Bupa Global plans, and determine where a loading is appropriate and what that loading should be.
• Keep up to date with any policy changes that have an effect on medical risk.

The Ideal Candidate

• Bachelors degree or equivalent in Maths and English and preferably biology.
• 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 Cantonese and Mandarin.
• A track record of achieving and exceeding targeted business results/KPIs.
• Excellent interpersonal, communication and influencing skills are required with emphasis on achieving results and successful outcomes.
• Strong stakeholder management experience, with the ability to build and strengthen relationships within the business at all levels.
• Project management experience including demonstrating successful process improvement initiatives (desirable).
• Ability to identify sources of data, analyse data and make rational decisions and recommendations. Construct a reasoned case, providing sound justifications.
• Ability to work on own initiative with minimal guidance.
• Sound medical knowledge, gained through internal training and experience and/or previous medical background.
• Strong sense of customer focus, 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.
• Diplomatic and self-confident, creating an environment of professionalism and trust.
• An ability to speak fluent English, Cantonese and Mandarin is needed.

Bupa Global

Bupa Global is the worldwide Bupa business. We provide international private medical insurance products and services for globally minded and mobile people who want the most premium coverage and access to the best healthcare anytime, anywhere in the world, whether at home or when studying, living, travelling or working abroad. We have over 1,700 employees working for our circa 2million customers around the world. We have a medical advice line staffed by a team of experienced, multi-lingual advisers to offer our customers support 24 hours a day, every day. We also have an emergency medical team of doctors on hand as an optional benefit to organise emergency assistance and evacuations.

Bupa Global has key regional offices in London, Brighton, Miami, Philadelphia, Copenhagen and Hong Kong as well as commercial operations in Egypt, Mexico, the Dominican Republic, Bolivia, Panama, Guatemala and Ecuador. Bupa Global is currently organised around five regional hubs: Bupa Global Middle East, Bupa Global Greater China, Bupa Global Latin America, Bupa Global North America and Bupa Global Rest of World.

You can also visit our website www.bupaglobal.com