Medical Officer Jobs in Chennai Insurance Company

📋 Job Description

Jobzi is sourcing qualified candidates for Medical Officer positions in Chennai's private Insurance Company sector. This is a full-time opportunity with a reputed Insurance and Financial Services employer in Chennai offering competitive salary, structured growth, and a professional work environment. Tamil communication skills are preferred alongside English for professional and business interaction in Chennai.

📌 Key Responsibilities

• Review medical reports, health check reports, and investigation results for life and health insurance proposals
• Apply medical underwriting guidelines to assess risk and recommend acceptance, loading, or decline decisions
• Evaluate complex health conditions (cardiac, oncology, diabetes complications) for insurance risk rating
• Conduct telephonic or in-person medical examinations for jumbo life insurance proposals
• Review pre-authorization requests for cashless hospitalization requiring clinical judgment
• Support claims medical review for contested health and life claims with clinical inputs
• Prepare medical underwriting circulars and update medical underwriting guidelines

🎓 Qualifications and Requirements

• MBBS from a recognized medical college registered with Tamil Nadu Medical Council
• 3 - 8 Years of clinical or insurance medical underwriting experience
• Knowledge of life and health insurance medical underwriting principles and guidelines
• Understanding of insurance risk classification for chronic diseases and surgical conditions
• Good report writing skills for medical underwriting decisions and clinical reviews
• Willingness to work in a desk-based medical advisory role within insurance operations
• Diploma in Insurance Medicine or additional qualification in underwriting preferred
• Good Tamil and English communication skills for team coordination and client interaction in Chennai.

✅ Required Skills