Manager - Health Underwriting and Claims

You desire impactful work.

You’re RGA ready

RGA is a purpose-driven organization working to solve today’s challenges through innovation and collaboration. A Fortune 200 Company and listed among its World’s Most Admired Companies, we’re the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all.

Purpose

• Ensure RGA delivers market-leading service in both health underwriting and claims management, paying valid claims promptly and underwriting risks accurately and professionally.
• Identify, validate, investigate, and manage suspicious or potentially fraudulent claims and applications.
• Develop and provide clients with tools and services that position RGA as the partner of choice for health underwriting and claims management.
• Support clients in achieving their goals for risk assessment, claims investigation, management, and reinsurance matters.
• Ensure RGA’s philosophy in underwriting, reinsurance, and claims assessment is understood and adopted in the market.
• Ensure clients fulfill requirements for automatic business in both underwriting and claims.

Scope

• Middle East life & health insurance market, with expertise leveraged for other RGA entities or affiliates as needed.

Key Responsibilities

Underwriting

• Assess and authorize health underwriting cases, ensuring alignment with RGA and client standards.
• Own day-to-day underwriting decisions to achieve market-leading turnaround times.
• Develop and build underwriting capabilities for clients, supporting their risk selection and management.
• Maintain up-to-date knowledge of industry trends, products, and regulatory developments in health underwriting.
• Collaborate with medical professionals, underwriters, and claims assessors to ensure holistic risk assessment.
• Provide input to treaty wordings and product development from an underwriting perspective.
• Set and manage underwriting authority limits and auto binding limits.
• Support the development and maintenance of underwriting manuals, standards, and controls.
• Deliver training and guidance to client and partner underwriting personnel.

Claims

• Assess and authorize health claims, ensuring compliance with RGA and client standards and service timelines.
• Manage the claims assessment process, including complex, high-value, early, and foreign claims.
• Build and deliver claims management capabilities for clients, including trend analysis and reporting.
• Maintain strong relationships with clients, Third Party Administrators (TPAs), and internal teams.
• Analyze claims bordereaux and single claims, identifying undesirable trends and recommending corrective actions.
• Ensure claims department produces relevant reports and statistics for management and clients.
• Participate in quality assurance reviews of clients and TPAs, verifying accuracy and compliance.
• Provide training to claims personnel of clients and partners.

Reinsurance & Treaty Oversight

• Review and update treaty monitoring modules with reported claims and underwriting activity.
• Provide updates on claims and underwriting trends to actuaries and internal stakeholders.
• Maintain thorough knowledge of Middle East reinsurance practices and RGA treaty protocols.
• Contribute to treaty wording development for both claims and underwriting issues.
• Conduct quality assurance reviews of treaty accounts.

Technical & Management

• Routinely analyze trends in underwriting and claims, providing reports and statistics to management.
• Respond to and implement actions from quality assurance reviews.
• Participate in the development of systems and manuals for underwriting and claims.
• Identify and address operational issues in service delivery, reporting, and quality assurance.
• Manage pending claims and underwriting files to ensure timely resolution.

Marketing & Interactions

• Develop and maintain strong working relationships with claims assessors, underwriters, managers, regulators, medical service providers, and senior leaders at target life insurance companies.
• Work closely with Business Development, Pricing, and Operations teams to ensure input to quotes, treaties, and risk management.
• Contribute to team spirit and participate actively in RGA’s global initiatives for underwriting and claims.

Reporting

• Reports to the Head of Claims and Health Underwriting at RGA ME.

What you can expect from RGA:

• Gain valuable knowledge from and experience with diverse, caring colleagues around the world.

• Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought.

• Join the bright and creative minds of RGA, and experience vast, endless career potential.