Medical Underwriter

Job Description:

Medical Underwriter
Dubai
Hybrid Working
Full time

We make health happen

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, around 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), Dublin (Europe), Miami (USA), Dubai (UAE, in partnership with OIC), Egypt and Hong Kong (China) as well as regional offices in mainland China, Singapore, the Dominican Republic, Bolivia, Panama, Guatemala and Ecuador.

Job Responsibilities

• Assess medical conditions, treatments, and associated costs using appropriate medical risk assessment techniques to make accurate, fair, and consistent underwriting and claims decisions.
• Carry out thorough investigations into claims and referrals to determine the existence of pre‑existing conditions or medical non‑disclosure, recording clear and robust decision‑making rationale in line with referral and escalation standards.
• Proactively request and follow up on additional medical information from members, healthcare providers, intermediaries, and partners to ensure informed decisions and prevent avoidable no‑sales wherever possible.
• Work collaboratively with internal business areas, including Sales, to balance medical risk, customer needs, and commercial considerations while ensuring Treating Customers Fairly principles are upheld.
• Maintain up‑to‑date knowledge of Bupa Global products, underwriting policies, and regulatory requirements, acting as an expert point of reference for underwriting and medical risk queries.
• Ensure accurate record‑keeping, meet service level and quality targets, support team development, and contribute data‑driven initiatives that improve service delivery, loss ratios, and operational efficiency.

Requirements

• University degree in a medicinal field is preferred
• Minimum of 2 years in relevant experience in Underwriting.

Key skills required

• Proven ability to meet and exceed productivity and quality targets within a high‑performing team.
• Strong customer focus, balancing customer needs with business objectives and responding promptly and collaboratively to stakeholders.
• Excellent communication and influencing skills, focused on achieving positive outcomes; proficiency in a second language is an advantage.
• Experience in the global health or life insurance market.
• Solid medical knowledge gained through training, professional experience, or a medical background.
• Proven experience in medical claims, underwriting, or risk assessment within healthcare or protection insurance.

Time Type:

Full time

Job Area:

Administration

Locations:

Dubai - OIC

Cycle to work scheme, Paid volunteer time, Financial planning services, Free flu jabs, Health & wellbeing programme, Gym membership, Additional leave, Private medical insurance, Employee mentoring programme, Referral programme, Company pension, Private dental insurance