81 Health Insurance jobs in Indonesia
Health Insurance Underwriter
Jakarta, Jakarta
IDR120000000 - IDR240000000 Y
Sompo Asia Pacific
Posted today
Job Viewed
Job Description
We are seeking a highly analytical Health Insurance Business Underwriter to join our Regional Consumer Business team. The successful candidate will be responsible for evaluating, managing health insurance risks, supporting business development, and ensuring profitability in line with the company's underwriting guidelines and risk appetite across various markets in the Asia-Pacific region. This role requires strong technical underwriting skills, market insight, and the ability to collaborate with internal and external stakeholders to drive profitable growth.
Key Responsibilities:
Risk Assessment & Pricing
- Evaluate and underwrite health insurance applications/quotations/proposals including group and individual products.
- Develop and apply analytical models and assumptions to assess risk exposure.
- Recommend terms and conditions for insurance coverage.
- Ensure decisions are aligned with internal underwriting guidelines, regulatory requirements, and profitability objectives.
Portfolio Management
- Monitor performance of the health reinsurance portfolio and identify trends, opportunities, and areas of concern.
- Contribute to refining underwriting guidelines, manuals, and best practices.
- Maintain accurate documentation, underwriting notes, and decision logs.
Client Engagement
- Collaborate with cedents, brokers, and internal teams to understand client needs and provide tailored reinsurance solutions.
- Participate in client meetings, presentations, and renewal negotiations.
Product Development & Innovation
- Support the design and underwriting of new health insurance products and reinsurance structures.
- Stay abreast of market developments, regulatory changes, and emerging health risks.
Data Analysis & Reporting
- Analyze claims experience, loss ratios, and other performance metrics.
- Prepare underwriting reports and contribute to internal risk reviews.
Qualifications & Experience:
- Bachelor's degree in actuarial science, finance, insurance, medicine or related field
- Minimum 5–7 years of underwriting experience in health insurance or reinsurance.
- Strong understanding of health insurance products, risk assessment methodologies, and regulatory environments across APAC.
- Strong analytical and risk assessment skills.
- Proficiency in Excel, and data analytics platforms.
- Excellent communication, negotiation, and interpersonal skills.
- Ability to work independently and as part of a cross-functional team.
Preferred Attributes:
- Experience working in a multinational insurance/reinsurance environment.
- Familiarity with business underwriting and medical underwriting for group and individual health insurance products
- Strategic mindset with a focus on innovation and sustainable growth
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0
Senior Health Insurance Underwriter
16411 Depok, West Java
IDR13000000 Annually
WhatJobs
Posted 3 days ago
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Job Description
Our client, a leading provider of health insurance solutions, is seeking an experienced Senior Health Insurance Underwriter to join their fully remote team. This critical role involves assessing and pricing health insurance risks, ensuring the financial stability and profitability of the company while offering competitive products to clients. The Senior Underwriter will be responsible for evaluating complex medical histories, analyzing risk factors, and determining appropriate coverage terms and premiums for individuals and groups. You will work independently, leveraging your deep understanding of medical conditions, treatment protocols, and the insurance market. Key responsibilities include reviewing applications, interpreting medical reports, consulting with medical professionals, and collaborating with sales and product development teams to design effective insurance policies. A strong command of underwriting principles, risk assessment methodologies, and relevant regulations is paramount. The ideal candidate will possess exceptional analytical, critical thinking, and decision-making skills. A Bachelor's degree in a health-related field, Business Administration, Finance, or a related discipline is required, along with a minimum of 5 years of experience in health insurance underwriting. Relevant professional certifications (e.g., FLMI, FALU) are highly desirable. You must demonstrate meticulous attention to detail, excellent communication skills for report writing and stakeholder interaction, and the ability to manage a demanding workload efficiently in a remote setting. This is an excellent opportunity to apply your expertise and contribute significantly to the success of a forward-thinking health insurance organization.
Responsibilities:
Responsibilities:
- Evaluate and underwrite health insurance applications, assessing risk factors and medical histories.
- Determine appropriate coverage terms, conditions, and premiums for individual and group policies.
- Analyze medical reports, claims data, and other relevant information to make informed underwriting decisions.
- Ensure compliance with all relevant insurance regulations and company policies.
- Collaborate with sales teams to provide underwriting guidance and support.
- Develop and maintain strong relationships with brokers and clients.
- Contribute to the development and refinement of underwriting guidelines and procedures.
- Identify and flag potential fraudulent applications.
- Bachelor's degree in a health-related field, Business, Finance, or a related discipline.
- Minimum of 5 years of experience in health insurance underwriting.
- In-depth knowledge of health insurance products, medical terminology, and risk assessment.
- Proven analytical and decision-making skills.
- Strong understanding of insurance regulations and compliance.
- Excellent written and verbal communication skills.
- Ability to work independently and manage time effectively in a remote environment.
- Professional underwriting certifications (e.g., FLMI, FALU) are a plus.
This advertiser has chosen not to accept applicants from your region.
1
Remote Senior Health Insurance Underwriter
10110 Jakarta Pusat, Jakarta
IDR9 Annually
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Posted 8 days ago
Job Viewed
Job Description
Our client is seeking a highly skilled and detail-oriented Senior Health Insurance Underwriter to join their fully remote team. This pivotal role involves evaluating and assessing health insurance applications to determine risk and approve or decline coverage based on established underwriting guidelines. The ideal candidate will possess extensive knowledge of health insurance products, medical terminology, and risk assessment principles. You will be responsible for analyzing complex medical histories, financial data, and lifestyle factors to make sound underwriting decisions. This is a remote-first position, offering unparalleled flexibility and the ability to contribute to a leading insurance provider from the comfort of your home. You will collaborate closely with sales agents, medical reviewers, and management to ensure accurate and efficient processing of applications. Strong analytical abilities, exceptional judgment, and a commitment to ethical practices are essential for success in this role. Key Responsibilities:
- Review and analyze health insurance applications, including medical history, lifestyle information, and financial data.
- Assess risks associated with applicants and determine appropriate coverage levels and premiums.
- Apply underwriting guidelines and company policies consistently and accurately.
- Make informed decisions to approve, decline, or offer modified coverage for health insurance applications.
- Communicate underwriting decisions and requirements clearly to agents, brokers, and applicants.
- Collaborate with medical directors and consultants for complex cases requiring specialized review.
- Identify potential fraudulent activities and report them according to company procedures.
- Maintain up-to-date knowledge of industry regulations, health trends, and new insurance products.
- Contribute to the development and refinement of underwriting policies and procedures.
- Mentor and provide guidance to junior underwriters.
- Ensure compliance with all relevant legal and regulatory requirements.
- Participate in training sessions and team meetings to enhance underwriting expertise.
- Bachelor's degree in Business Administration, Finance, Health Sciences, or a related field.
- Minimum of 5-7 years of experience in health insurance underwriting.
- In-depth knowledge of health insurance products, medical terminology, and risk assessment.
- Proven ability to analyze complex medical and financial information.
- Strong understanding of underwriting principles and regulatory compliance.
- Excellent analytical, critical thinking, and decision-making skills.
- Proficiency in underwriting software and Microsoft Office Suite.
- Exceptional communication and interpersonal skills, with the ability to explain complex concepts clearly.
- Ability to work independently and manage a high volume of applications in a remote setting.
- Relevant professional certifications (e.g., FLMI, AHIP) are a strong asset.
This advertiser has chosen not to accept applicants from your region.
2
Senior Health Insurance Claims Assessor
28117 Pekanbaru, Riau
IDR16000000 Annually
WhatJobs
Posted 8 days ago
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Job Description
Our client is seeking an experienced Senior Health Insurance Claims Assessor to manage and process complex medical insurance claims. This is a fully remote position, allowing you to contribute your expertise from anywhere. You will be responsible for evaluating claims for accuracy, completeness, and adherence to policy terms and conditions. This involves verifying medical documentation, liaising with healthcare providers and policyholders, and making informed decisions on claim validity and payment. The ideal candidate will possess a strong understanding of medical terminology, healthcare systems, and insurance regulations. You will play a key role in identifying fraudulent claims, ensuring compliance with legal and ethical standards, and providing excellent customer service to policyholders. This role requires meticulous attention to detail, strong analytical skills, and the ability to handle sensitive information with discretion. You will also be involved in training and mentoring junior claims assessors, sharing your knowledge and best practices. Responsibilities include:
Qualifications:
- Evaluating and processing a high volume of health insurance claims efficiently and accurately.
- Verifying medical documentation, diagnoses, and treatment codes.
- Interpreting policy coverage and terms to determine claim eligibility.
- Communicating with policyholders, healthcare providers, and other stakeholders to gather information.
- Investigating and identifying potential claim fraud or abuse.
- Ensuring compliance with all relevant insurance regulations and company policies.
- Making informed decisions on claim settlements and payments.
- Mentoring and guiding junior claims assessors.
- Maintaining accurate and organized claim records.
Qualifications:
- Bachelor's degree in a relevant field (e.g., Healthcare Administration, Business, Nursing) or equivalent experience.
- Minimum of 5 years of experience in health insurance claims assessment or processing.
- Proficiency in medical terminology and understanding of various medical procedures and treatments.
- Strong knowledge of health insurance policies, benefits, and regulations.
- Excellent analytical, problem-solving, and decision-making skills.
- Exceptional attention to detail and organizational abilities.
- Proficient in using claims management software and relevant digital tools.
- Strong communication and interpersonal skills, with the ability to handle sensitive situations.
- Ability to work independently and manage time effectively in a remote setting.
This advertiser has chosen not to accept applicants from your region.
3
Principal Actuarial Analyst - Life & Health Insurance
50131 Semarang, Central Java
IDR25000000 Annually
WhatJobs
Posted 3 days ago
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Job Description
Our client, a leading innovator in the insurance sector, is looking for a Principal Actuarial Analyst to join their fully remote team. This senior position is central to the company's strategic planning and risk management initiatives, focusing on life and health insurance products. You will leverage your advanced analytical skills to develop, implement, and refine actuarial models for pricing, reserving, and financial forecasting. Responsibilities include conducting complex data analysis, interpreting regulatory requirements, and providing critical insights to support product development and business decisions. The Principal Actuarial Analyst will play a key role in peer review of actuarial work, ensuring accuracy and compliance with professional standards. You will also be instrumental in communicating findings and recommendations to senior management, underwriting teams, and other stakeholders, translating intricate actuarial concepts into clear, actionable business strategies. This role demands a deep understanding of actuarial principles, statistical modeling, and programming languages commonly used in actuarial science, such as R, Python, or SQL. A strong grasp of insurance regulations and market dynamics within the Indonesian context is highly valued. Our client fosters a collaborative and intellectually stimulating remote work environment, providing the tools and support needed for you to excel. The ideal candidate is a highly motivated self-starter, capable of working independently with minimal supervision, and possesses exceptional problem-solving abilities and a meticulous attention to detail. Continuous professional development and staying ahead of industry trends are encouraged. This is an unparalleled opportunity to shape the financial future of a forward-thinking insurance company from the comfort of your home office. Join a team committed to excellence and innovation in actuarial science.
This advertiser has chosen not to accept applicants from your region.
4
Senior Actuarial Analyst - Life & Health Insurance
29464 Batam, Riau Islands
IDR980000000 Annually
WhatJobs
Posted 5 days ago
Job Viewed
Job Description
Our client is a respected and established insurance provider specializing in life and health coverage. We are seeking a Senior Actuarial Analyst to join our dedicated team. This role is critical for pricing new products, evaluating reserves, and ensuring the financial health and solvency of our insurance portfolios. The Senior Actuarial Analyst will perform complex financial modeling, risk assessments, and data analysis to support strategic decision-making. You will work collaboratively with underwriting, product development, and finance departments to deliver accurate and insightful actuarial evaluations. The ideal candidate will possess strong analytical abilities, a thorough understanding of actuarial principles, and a commitment to professional development within the insurance industry.
Responsibilities:
Qualifications:
Responsibilities:
- Develop, maintain, and enhance actuarial models for pricing life and health insurance products.
- Calculate and analyze policy reserves and ensure adequacy for future claims.
- Conduct profitability studies and perform experience analysis to monitor product performance.
- Assist in the development of new insurance products, including features, pricing, and policy wordings.
- Perform valuation of liabilities and asset-liability management analysis.
- Analyze claims data and trends to identify potential risks and opportunities.
- Support the preparation of regulatory filings and financial statements.
- Collaborate with other departments to provide actuarial insights and recommendations.
- Stay abreast of changes in actuarial standards, regulations, and industry best practices.
- Mentor and guide junior actuarial staff.
- Utilize actuarial software and tools for data analysis and modeling.
- Contribute to the continuous improvement of actuarial processes and methodologies.
Qualifications:
- Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related quantitative field.
- Passed a significant number of actuarial exams (e.g., ASA/ACAS or equivalent progression).
- Minimum of 5 years of relevant actuarial experience in the life and health insurance sector.
- Strong understanding of actuarial principles, life contingencies, and statistical modeling.
- Proficiency in actuarial software (e.g., Prophet, TAI) and data analysis tools (e.g., SQL, Python, R).
- Excellent analytical, problem-solving, and critical thinking skills.
- Strong written and verbal communication skills.
- Ability to work independently and as part of a team.
- Detail-oriented with a high degree of accuracy.
- Familiarity with IFRS 17 or similar accounting standards is a plus.
- Experience with product development and pricing is highly desirable.
This advertiser has chosen not to accept applicants from your region.
5
Remote Senior Actuarial Analyst - Health Insurance
46111 Cirebon, West Java
IDR25000000 Annually
WhatJobs
Posted 7 days ago
Job Viewed
Job Description
Our client is a leading innovator in the insurance sector and is actively seeking a highly skilled and experienced Senior Actuarial Analyst to join their fully remote team. This position offers the flexibility to work from anywhere, focusing on critical analysis and modeling within the health insurance domain. You will play a key role in pricing, reserving, financial modeling, and risk assessment, contributing significantly to the company's strategic decisions and financial stability.
Responsibilities:
Responsibilities:
- Develop, maintain, and enhance actuarial models for pricing health insurance products.
- Perform reserving analyses to ensure adequate financial reserves are maintained for policy obligations.
- Conduct financial forecasting and profitability analysis for various insurance lines.
- Assess and quantify risks associated with insurance portfolios.
- Collaborate with underwriting, claims, and product development teams to provide actuarial insights.
- Design and implement stochastic models for risk management and capital adequacy testing.
- Prepare reports and presentations for senior management and regulatory bodies.
- Stay current with industry trends, regulatory changes, and advancements in actuarial science.
- Mentor and provide technical guidance to junior actuarial staff.
- Contribute to the development of new insurance products and strategies.
- Ensure compliance with all relevant actuarial standards and regulations.
- Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related quantitative field.
- Associate or Fellow designation from a recognized actuarial society (e.g., SOA, CAS) is strongly preferred.
- Minimum of 5 years of actuarial experience, specifically within the health insurance industry.
- Proficiency in actuarial software and programming languages (e.g., R, Python, SAS, SQL, Prophet, RiskAgility).
- Strong understanding of health insurance products, benefits, and market dynamics.
- Expertise in pricing, reserving, and financial modeling techniques.
- Excellent analytical, problem-solving, and quantitative skills.
- Exceptional communication and presentation abilities, capable of explaining complex concepts to non-technical audiences.
- Proven ability to work independently in a remote environment and manage time effectively.
- Demonstrated leadership potential and experience mentoring others.
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6
Senior Underwriter, Life and Health Insurance
10110 Jakarta Pusat, Jakarta
IDR13 Annually
WhatJobs
Posted 8 days ago
Job Viewed
Job Description
Our client is seeking a highly skilled and analytical Senior Underwriter to join their dynamic insurance team. This is a fully remote position, offering the opportunity to leverage your expertise in risk assessment and policy pricing from the comfort of your home office. You will be responsible for evaluating complex life and health insurance applications, determining policy terms, conditions, and premiums, and ensuring adherence to underwriting guidelines and risk management strategies. The ideal candidate will possess a strong understanding of mortality and morbidity risks, medical terminology, and relevant insurance regulations. You will collaborate with agents, brokers, and internal departments to provide accurate and timely underwriting decisions. This role requires exceptional analytical abilities, meticulous attention to detail, and excellent communication skills.
Responsibilities:
This is a remote-first position, empowering you to work from anywhere within Indonesia. We value independence, strong decision-making skills, and a commitment to excellence in risk management. Join our esteemed team and contribute to our continued success in the insurance sector.
Responsibilities:
- Underwrite complex life and health insurance applications, assessing risks based on medical history, lifestyle factors, financial information, and other relevant data.
- Apply underwriting guidelines, policies, and procedures to make informed decisions on policy issuance, terms, and pricing.
- Interpret medical reports, paramedical findings, and other health-related documentation.
- Calculate premiums and determine appropriate coverage limits and riders.
- Identify and mitigate potential risks, ensuring profitability and compliance.
- Collaborate with sales teams, agents, and brokers to clarify application details and provide underwriting guidance.
- Maintain accurate and organized case files, documenting all underwriting decisions and rationale.
- Stay current with industry best practices, regulatory changes, and new product developments.
- Participate in underwriting training programs and contribute to the development of underwriting standards.
- Review and approve policies within established authority limits.
- Escalate complex or unusual cases to senior management for review and decision.
This is a remote-first position, empowering you to work from anywhere within Indonesia. We value independence, strong decision-making skills, and a commitment to excellence in risk management. Join our esteemed team and contribute to our continued success in the insurance sector.
This advertiser has chosen not to accept applicants from your region.
7
Senior Underwriting Manager, Life & Health Insurance
30141 Palembang, South Sumatra
IDR16000000 Monthly
WhatJobs
Posted 8 days ago
Job Viewed
Job Description
Our client, a reputable life and health insurance provider, is seeking an experienced Senior Underwriting Manager to lead their underwriting team in Palembang. This role offers a hybrid work arrangement, combining essential on-site collaboration with the flexibility of remote work. You will be responsible for managing the underwriting process, ensuring accurate risk assessment, and maintaining underwriting guidelines. The ideal candidate possesses a strong understanding of insurance principles, risk management, and team leadership. You will play a pivotal role in safeguarding the company's financial health and client relationships.
Key Responsibilities:
Key Responsibilities:
- Oversee the daily operations of the underwriting department, ensuring efficient and accurate risk assessment for life and health insurance policies.
- Develop, implement, and maintain underwriting policies, procedures, and guidelines in accordance with industry best practices and regulatory requirements.
- Manage and mentor a team of underwriters, providing training, guidance, and performance feedback.
- Review complex cases and make sound decisions on risk acceptance, declination, or referral.
- Collaborate with sales, claims, and actuarial departments to ensure alignment and effective communication.
- Monitor underwriting performance metrics and identify areas for improvement in efficiency, accuracy, and turnaround time.
- Stay updated on industry trends, new products, and regulatory changes impacting life and health insurance underwriting.
- Conduct regular audits of underwriting files to ensure compliance and quality standards.
- Assist in the development and implementation of new underwriting tools and technologies.
- Contribute to strategic planning and departmental budgeting.
- Bachelor's degree in Finance, Economics, Business Administration, or a related field.
- Minimum of 8 years of experience in life and health insurance underwriting, with at least 3 years in a supervisory or managerial role.
- In-depth knowledge of underwriting principles, risk assessment techniques, and medical terminology.
- Familiarity with insurance regulations and compliance requirements in Indonesia.
- Strong analytical, decision-making, and problem-solving skills.
- Excellent leadership, communication, and interpersonal skills.
- Experience with underwriting software and systems is essential.
- Ability to manage multiple priorities and meet tight deadlines.
- Professional certifications in underwriting (e.g., FLMI, FALU) are highly desirable.
- Must be able to work effectively in a hybrid environment based in Palembang, South Sumatra, ID .
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8
Senior Pricing Actuary - Life & Health Insurance
46111 Cirebon, West Java
IDR15500000 Annually
WhatJobs
Posted 8 days ago
Job Viewed
Job Description
Our client is a leading insurer dedicated to providing innovative and reliable insurance solutions. We are seeking a highly accomplished Senior Pricing Actuary to join our fully remote actuarial team. This position allows you to apply your extensive expertise in pricing methodologies and risk assessment from anywhere, playing a crucial role in the development and profitability of our life and health insurance products.
Key Responsibilities:
Key Responsibilities:
- Lead the development, analysis, and implementation of pricing models for new and existing life and health insurance products.
- Conduct comprehensive market research and competitor analysis to inform pricing strategies.
- Analyze historical data and emerging trends to establish appropriate assumptions for mortality, morbidity, expenses, and lapse rates.
- Collaborate closely with product development, marketing, and underwriting teams to ensure pricing is competitive, profitable, and compliant with regulations.
- Prepare detailed pricing documentation, justifications, and recommendations for management review and approval.
- Monitor the performance of in-force business and recommend pricing adjustments as needed based on experience data.
- Ensure all pricing activities adhere to relevant industry regulations, actuarial standards of practice, and internal guidelines.
- Mentor and provide technical guidance to junior actuaries involved in pricing functions.
- Develop and maintain effective relationships with external stakeholders, including reinsurers and regulators, as required.
- Identify opportunities for process improvement and efficiency gains within the pricing function.
- Bachelor's degree in Actuarial Science, Mathematics, Statistics, or a related quantitative discipline.
- Fellow or Associate designation from a recognized actuarial society (e.g., FSA, ASA, or equivalent) is highly preferred.
- Minimum of 6 years of dedicated experience in actuarial pricing, preferably within the life and health insurance sectors.
- Demonstrated expertise in actuarial modeling software (e.g., GGY AXIS, Prophet, R, Python) and advanced spreadsheet skills.
- Strong understanding of insurance product features, market dynamics, and regulatory environments.
- Excellent analytical, quantitative, and problem-solving abilities.
- Superior written and verbal communication skills, with the ability to articulate complex actuarial concepts to diverse audiences.
- Proven ability to work independently, manage multiple priorities, and meet demanding deadlines in a remote setting.
- Experience with data analysis and interpretation for actuarial purposes.
This advertiser has chosen not to accept applicants from your region.
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