Relationship Officer (Health Insurance)

The Relationship Officer will be responsible for managing the end-to-end client lifecycle, including underwriting medical insurance applications, reviewing renewal terms, and negotiating with brokers and direct clients.

Job Summary

The Relationship Officer will be responsible for managing the end-to-end client lifecycle, including underwriting medical insurance applications, reviewing renewal terms, and negotiating with brokers and direct clients. The ideal candidate will have a combination of strong analytical skills, relationship management abilities, and a customer-first approach within the Brokers and Corporate Partner team.

Main Responsibilities

• Build and maintain strong relationships with brokers and clients.
• Serve as the primary point of contact for inquiries related to medical insurance applications, renewals, and policy servicing.
• Conduct regular touchpoints with Brokers and clients to understand their evolving needs and recommend appropriate solutions.
• Collaborate across internal teams to ensure seamless client experiences.
• Present appropriate insurance solutions based on clients’ needs and preferences.
• Explain policy terms, conditions, coverage, and exclusions in a clear and transparent manner.
• Assist clients in completing necessary paperwork and ensure compliance with regulatory requirements.
• Negotiate and finalize agreements while ensuring client satisfaction and alignment with company policies.
• Assess and categorize risks associated with individual and group insurance applications according to company policies.
• Determine appropriate premiums, coverage limits, and exclusions based on underwriting guidelines.
• Facilitate a smooth onboarding process for new clients, ensuring all required documentation is accurate and complete.
• Review and evaluate medical insurance applications, including medical reports, questionnaires, and supporting documentation.
• Collaborate with internal teams to ensure timely activation of insurance policies.
• Act as the primary point of contact for client inquiries, issues, and requests throughout the policy term.
• Provide prompt and effective solutions to client concerns, including policy amendments.
• Maintain accurate records of client interactions and transactions as per company set standards.
• Monitor upcoming policy expirations and proactively remind clients and brokers about renewals.
• Review clients’ changing needs and recommend suitable policy adjustments during the renewal process.
• Ensure timely and accurate processing of policy renewals to avoid lapses in coverage. 
• Build loyalty by maintaining high standards of service and fostering long-term relationships.
• Support the culture of continuous improvement in all areas including improving processes to make the business more efficient.

Job Requirements

• Holder of a Bachelor’s (or equivalent) degree (or equivalent experience) in insurance, business, actuarial or related field.
• CII qualifications will be an advantage.
• At least 3-year experience in (re)insurance, ideally in a client management and/or risk assessment role.
• Excellent communication and interpersonal skills for interacting with clients and internal teams.
• Attention to detail and high levels of accuracy in decision-making and documentation.
• Ability to handle confidential information and adhere to ethical standards.

The company reserves the right to call only the qualified candidates for the selection exercises. Applications received after the closing date might not be considered. The company also reserves the right not to proceed with the vacancies.