Medical Underwriter with * years of experience in Life Insurance

& Research Analysis in Laboratory

Executive Summary:

• Experience as Financial underwriter analyzing the financial Viability of the customer domestically & for HNI clients.

• Have more than 85% productivity in Financial Year ends to have greater conversion rate from proposal stage to conversion having greater customer satisfaction.

• Responsible for Queue monitoring (Personal & General) successfully to ensure that the cases are converted in the same day within Turn around Time ( TAT).

• Reinsurance, Query Handling, product specification after discussions with agency for analyzing market needs.

• ECG & TMT level underwriting, good exposure in medical documentation & underwriting the cases as per the guidelines with the Reinsurance Limits.

• Current Signing off Limit is 50 Lakhs. Training the Team on various topics including Occupation & Residential to have a thorough understanding of product specifications

• Coordinating with Claim assessor and clarify the doubts if there is any complex claims.

Technology Specialties:

Document Management Systems & E-Learning

Project content development, Research Analysis

Industries and Vertical Exposure:

Insurance, Medical laboratory & Research.

Educational Credentials:

• Master of Science (Bio-Chemistry), Mohammed sathak college of arts & science, Madras University, 2007

• Postgraduate diploma in Medical Lab technology ( PGDMLT) , Madras Christian college , May 2005

• Postgraduate diploma in Actuarial sciences, Annamalai University, May 2009-10.

• Completed Licentiate & current undergoing Associate in Life Insurance from Insurance institute of India.

• Currently preparing for ALMI from LOMA. ( Life office Management system).

• Currently preparing for CT series exams. (Actuarial society of india).

Training and Certifications:

• FLS training on Basic Insurance & its principles.

• Underwriting Medical cases by Swiss Reinsurance headed by Dr. Himanshu Bhatia.

• Reinsurance & its process – RGA.

• Training in Bharat Specialties in the field of Histopathology, Hematology & Biochemistry in May 2005.

• Internship in CLTRI / NIOT / CLRI / MCRC & other vector institutes as a part of project in PGDMLT in May 2005.

Professional Experience:

HDFC Standard Life Insurance:

(October 2007 till date)

Medical Underwriter

HDFC Standard, ten years old Life insurance Company in association with STANDARD Life, London. More than 60000 people working across 2000 branches. Started Operations in Life insurance & currently offers Health insurance.

Key Responsibilities:

Underwriting the Life proposals at new Business stage- Financially & Medically. Checking for all the documents including income Documents with respect to the insurance applied & analyzing the financial viability.

Scrutinizing the details provided by the customer for better selection of Lives.

Appropriate selection of investigation reports, Medical documents from the customer to interpret the current health status of the customer.

Prognostic review of Proposals to ensure that the underwriting a proposal meets the standard Mortality calculations.

Mentoring people to make them understand complete product specifications, Process involvement & greater understanding of underwriting guidelines to ensure better productivity.

Providing Training to team on Occupation, Residential Guidelines, change in internal process.

Significant Highlights:

Coordinating with Sales, Actuarial departments to check for the product specification, Amendments & informing the team on the same to ensure better compliance to process.

Coordinating with Medical officers to analyze the Medical risk of the customers & discussing elaborately about the specific ailments / conditions which will affect the mortality to a greater extent.

Questionnaires (Medical & non medical), Working on Medical data in the topics of Geo political, Avocation, residential & Demography.

Query Box: An internal Customer solution centre providing solutions, status for the proposals, process oriented queries, coordinating important updates to sales team & branches.

Discussing various cases of NRI clients with Actuarial department to convey better decisions to Alternate & Direct sales team ensuring customer compliance.

REINSURANCE: Need to follow the Reinsurance Guidelines with complete adherence to process in all spheres to have the cases completed on Turn around Time.

MAGNUM: Tool used in Life Asia across insurance (strike through process) to facilitate faster conversion is completely managed by me at underwriting level. Code designing, Product testing, input validation, verification & training to staff and management of amendments after receiving terms from SWISS RE.

Branch Visit: Visiting Branches across India to provide presentation to sales & operations team in branches to clarify the process & system involved in Life insurance, Underwriting Guidelines & Perspectives, Decision systems, Planning & educating the key prospects in Life insurance Prognosis.

Non disclosure Analysis: Individually handled non disclosure process for northern & southern region which includes branch operations, Letter drafting, Special cases process derivation in line with Claims department & Risk Monitoring Control Unit-RMCU which primarily works on Risk Retention & Management.

Decline Life Database maintenance: A database to hack fraudulent customers trying to invest in insurance violating AML guidelines. Update, Guidelines framing & training to team members for efficient usage.

MIS Preparation on portfolio performance Review on Various department goals like TAT, Productivity of team members and Audit & Hind sighting.

Liaise with IT department on workflow Enterprise Retrieval system & Life Asia (Policy Administration system) for system related issues & support systems.

Hanitha Clinical Laboratory

(June2005-June 2007-part time)

Sr. Laboratory technologist

Key Responsibilities:

Management of Laboratory & Supervision of Lab technicians reporting investigation reports.

Preparing special enzymes assays as per manual specifications along with special sampling Bio chemical tests through standardized procedures & preparing reports.

Interpretation & cross checking of sample results in case of special samples which includes conducting special studies on behavioral , structural pattern to arrive reliable results.

Authorization of investigation reports.

Worked as Research Assistant in June 2007 (part-time)

Project: Hormonal Steroids.

Author: Santhosh S Winkins

Key Responsibilities:

Reagent preparation including Bio chemical assays.

Literature collection via internet which includes conducting study on various project submitted by eminent authors , collection of valid inputs used for special study purposes

Hormonal steroid preparation using HPLC (Liquid chromatography) - study, experimental workup & report generation.

Process management & research analysis.

A biochemical study on variability of superoxide dismutase, catalase and glutathione peroxidase in dry cleaners and this paper was published in Indian Journal of Clinical Biochemistry, 2008 / 23 (2) 198-199

Areas of Exposure:

Team Management

Leading, recruiting, training & monitoring the performance of team members to ensure efficiency in sales operations and Client Services Team, meeting of individual & group targets.

Creating and sustaining a dynamic environment that fosters significance in deliverables with the Engineering and support Team.

Personal Forte:

Date of Birth : 26 May 1983

Languages : English, Tamil

Marital Status : Single

Hobbies:Football

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