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 timeJob Area:
AdministrationLocations:
Dubai - OIC
Bupa’s purpose is helping people live longer, healthier, happier lives and making a better world. We do this by providing a broad range of healthcare services, support and advice to people throughout their lives. People are at the heart of everything we do. Together, we make health happen.
Every company needs an ethos, and we're no different. Through good days and challenging times, we always work with our values in mind. These are: Brave - Make new possibilities happen. Caring - Act with empathy and respect. Responsible - Own your decisions and actions.
We don't have shareholders at Bupa, which means we're free to invest our profits where they matter: our patients, our facilities, our research, and you.
As a healthcare provider, we have a duty to do the right thing. By our customers, our people and our partners. The Bupa Code holds us to this duty. It's our promise to protect, care for, and build trust with everyone who relies on us.
Here you’ll be welcomed. We champion diversity and we understand the importance of our people representing the communities and customers we serve.
You’ll find an inclusive environment where you can be yourself and where everyone is driven by the same purpose – helping people live longer, healthier, happier lives and making a better world.Free
to be you.
Back in September 2018, we made a pledge. That we'd do whatever we could to make Bupa a diverse, kind and inclusive place to work.
Everyone deserves a positive working environment. Everyone deserves to have their voice heard. Everyone deserves freedom from bullying, harassment and discrimination.
Nikki Williams, Colleague Engagement Executive and one of our Be You At Bupa network leads shares her thoughts on why Pride is still important in 2021 and her experience of being LGBTQ+ at Bupa.
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