Medical Underwriting Job at Acko
Looking to move beyond clinical practice without leaving healthcare behind? This Medical Underwriting Job at Acko offers an exciting opportunity for doctors and healthcare professionals to apply their clinical expertise in the health insurance industry. As a Core Medical Underwriter, you’ll evaluate medical risks, interpret diagnostic reports, and make evidence-based underwriting decisions that directly impact policy approvals. If you’re exploring Acko Careers or searching for rewarding Corporate Healthcare Jobs, this role could be the perfect next step in your professional journey.
About Acko:
Acko is one of India’s leading digital insurance companies, transforming the insurance experience through technology, innovation, and customer-first solutions. The company offers a wide range of health, motor, and embedded insurance products while leveraging advanced data analytics and digital platforms to simplify insurance for millions of customers. Through Acko Careers, professionals work in an agile, technology-driven environment that encourages innovation, collaboration, and continuous learning.
Job Details:
| Particulars | Details |
|---|---|
| Company | Acko |
| Position | Core Medical Underwriter – Retail Health |
| Department | Retail Health |
| Job Type | Full-Time |
| Work Mode | On-Site |
| Location | Bengaluru, Karnataka |
Job Description:
The Medical Underwriting Job at Acko involves evaluating health insurance applications through detailed medical risk assessments. The selected candidate will review clinical documentation, laboratory investigations, and diagnostic reports to determine appropriate underwriting decisions. This role also requires direct interaction with customers during Tele-Medical Evaluations (Tele-MER), ensuring clear communication and a customer-centric approach while maintaining regulatory compliance and service quality.
Key Responsibilities:
- Perform comprehensive medical underwriting and clinical risk assessments.
- Evaluate customer medical history, laboratory reports, and diagnostic investigations.
- Review cases after PPMC evaluation and determine underwriting decisions.
- Recommend policy acceptance, exclusions, premium loading, postponement, or decline based on clinical findings.
- Interpret advanced cardiac investigations including ECG, 2D Echo, and TMT.
- Conduct Tele-Medical Evaluations (Tele-MER) and explain underwriting decisions to customers.
- Ensure documentation accuracy and compliance with regulatory and internal underwriting guidelines.
- Maintain service quality standards and turnaround time targets.
- Collaborate with internal teams to improve underwriting efficiency and customer experience.
Eligibility Criteria for this Medical Underwriting Job:
- MBBS / BDS degree from a recognised medical institution with valid Medical Council registration.
- Minimum 3 years of experience in health insurance underwriting, clinical risk assessment, or medical adjudication.
- Proven mastery in evaluating laboratory reports and specialised diagnostic profiles (specifically ECG, 2D Echo, and TMT).
- Excellent verbal communication, customer-centric call handling qualities, and active listening skills.
- High attention to detail, strong problem-solving skills, and comfort operating in a fast-paced, digital-native environment.
Required Skills for this Medical Underwriting Job:
- Medical underwriting and clinical risk assessment.
- Interpretation of ECG, 2D Echo, TMT, and laboratory investigations.
- Health insurance underwriting knowledge.
- Tele-Medical Evaluation (Tele-MER).
- Customer communication and counselling.
- Clinical documentation review.
- Analytical thinking and evidence-based decision-making.
- Regulatory compliance and documentation accuracy.
- Problem-solving and attention to detail.
- Ability to work in a fast-paced digital healthcare environment.
