Medical Underwriting Consultant

Company Description MassMutual India is focused on empowering careers and helping people secure their futures through innovation and technology-driven solutions in the financial services industry. As part of the MassMutual family, the organization supports global operations with a strong emphasis on quality, integrity, and customer-centricity. Team members collaborate across functions to enhance digital capabilities and deliver secure, reliable services that support long-term financial well-being. MassMutual India offers opportunities for professional growth, continuous learning, and meaningful impact in a dynamic, technology-enabled environment.
Role Description The Medical Underwriting Consultant is a full-time, on-site role based in Hyderabad. This role is responsible for evaluating medical information and risk factors to make informed underwriting decisions for life and health insurance products, in line with company guidelines and regulatory requirements. Day-to-day responsibilities include reviewing medical records, lab reports, and health questionnaires; assessing applicant health status; and determining appropriate coverage terms, exclusions, or ratings. The consultant will collaborate with underwriters, medical professionals, and other internal stakeholders to ensure consistent risk assessment, maintain documentation accuracy, and support process improvements. The role also involves contributing to underwriting policies, participating in training initiatives, and using data and technology tools to enhance decision quality and efficiency.
Qualifications

• Strong analytical and decision-making skills for assessing medical risk and applying underwriting guidelines.
• Solid understanding of medical terminology, common diseases, diagnostic tests, and their impact on mortality and morbidity.
• Ability to interpret medical reports, lab results, and health questionnaires with attention to detail and accuracy.
• Effective communication skills for collaborating with underwriters, medical consultants, and cross-functional teams.
• Proficiency with underwriting systems, digital tools, and basic data analysis for risk evaluation and documentation.
• Bachelor’s degree in a relevant field (e.g., life sciences, nursing, medicine, actuarial science, or related discipline); professional underwriting or insurance certifications are an advantage.
• Experience in life or health insurance underwriting, medical review, or clinical practice is highly beneficial.
• Demonstrated ability to work in an on-site, team-based environment and manage multiple cases with tight timelines while maintaining confidentiality and compliance.