Medical Underwriting - Hyderabad, TS

UHG Hyderabad, Telangana

About the Job

At Optum, part of the UnitedHealth Group family of businesses, we assess the market in India to kick start US health underwriting operations. Since you are currently involved in similar nature of work, we would like to understand more about your day to day responsibilities as an underwriter. If interested, we can set up a discussion with a senior person at Optum who could help you understand more on responsibilities or type of work we would be executing from here. 

Primary Responsibilities:

  • Financial management aspect of accounts, including account level premium development, setting rates for new and existing business, forecasting, and profitability analysis
  • Determine acceptance, modification or decline risk through evaluation of an individual’s history for insurable interest and other information pertinent to the decision
  • Evaluate and recommend alternative pricing options and plan design changes based on economic analysis and trends 
  • Demonstrate knowledge of complex concepts and impacts of underwriter decision authority
  • Interview potential applicants for acceptance according to corporate underwriting guidelines
  • Analyze health benefit plan characteristics and assessing risks as to the frequency and potential severity of losses of clients 
  • Validate renewals using utilization and experience reporting 
  • Review, screen, and sort insurance applications 
  • Obtain and document prescription drug history 
  • Execute telephone interview requests and recording critical customer data

Required Qualifications: 

  • Degree or equivalent experience
  • 7+ years of experience in Underwriting
  • Hands-on experience in US Healthcare domain
  • Ability to assess morbidity risk within the underwriting policies, procedures and methodologies of new and in force business
  • Ability to work independently or in team environment


Careers with Optum. Here's the idea. We built an entire organization around one giant objective; make health care work better for everyone. So when it comes to how we use the world’s large accumulation of health-related information, or guide health and lifestyle choices or manage pharmacy benefits for millions, our first goal is to leap beyond the status quo and uncover new ways to serve. Optum, part of the UnitedHealth Group family of businesses, brings together some of the greatest minds and most advanced ideas on where health care has to go in order to reach its fullest potential. For you, that means working on high performance teams against sophisticated challenges that matter. Optum, incredible ideas in one incredible company and a singular opportunity to do your life's best work.(sm)

Job Keywords: Medical Underwriting, Medical Underwriter, Underwriter, US Healthcare, Hyderabad, Telangana, Noida, Uttar Pradesh, Gurgaon, Haryana, Bangalore, Karnataka