Achint Malhotra Email & Phone Number

Toronto, Ontario, Canada

Gurugram, Haryana, India

• Assessment of proposals where customer had disclosed preexisting medical history like Ongoing medications for Diabetes, Hypertension, Dyslipidemia, History of Surgery, History of Injury• Assessment of information provided by applicants through specific questionnaire designed to get more information related to preexisting medical history• Assessment of past medical records like consultation papers, prescription papers, blood investigations reports, urine examinations reports, x ray reports, ultrasound reports, past discharge summary which help in complete evaluation morbidity and mortality risk• Coordinating with applicants and third-party vendors like Medical Laboratory for health check up of applicants for assessment on current health status • Taken decision on proposals like acceptance, rejections, loading on premium, exclusions on preexisting illness basis strictly as per underwriting guidelines approved by company• Keep records of every application• Resolved queries of Sales managers of North India Region from Agency Channel, Broker Channel, Banca channel.• Reviewed Loss Ratio of Agents and Brokers and sensitized regional sales managers on sourcing of proposals and taken specific changes in underwriting guidelines basis loss ratio.• Set up new processes for smooth processing of proposals with in TAT which results in a confident sales team and better customer service.• Maintained accurate records of decisions made and completeness of policy data.• Reviewed paperwork for signatures, dates, and other considerations to ensure that coverage may be issued.• Ensured applications are underwritten and processed according to companies underwriting guidelines.• Met with Agents and Brokers for discussing and explaining the decision taken on proposals of customers.• Coordinated with sales managers for better understanding of Additional information raised at proposal level.

Gurugram, Haryana, India

• Assessment of proposals where customer had disclosed preexisting medical history like Ongoing medications for Diabetes, Hypertension, Dyslipidemia, History of Surgery, History of Injury• Assessment of information provided by applicants through specific questionnaire designed to get more information related to preexisting medical history• Assessment of past medical records like consultation papers, prescription papers, blood investigations reports, urine examinations reports, x ray reports, ultrasound reports, past discharge summary which help in complete evaluation morbidity and mortality risk• Provided underwriting decisions on proposals of retail health insurance proposals sourcing from all channels• Assessed all medical reports received with proposals• Coordinating with applicants and third-party vendors like Medical Laboratory for health checkup of applicants for assessment on current health status • Resolved queries of Agents and Brokers of Online Channel and Visited their office as a dedicated support from underwriting team and maintain smooth relationship. • Maintained accurate records of decisions made and completeness of policy data.• Ensured applications are underwritten and processed according to companies underwriting guidelines• Provided underwriting decisions on reports received from claims team where there is findings of non-disclosure of facts at proposal level.• Provided underwriting decision at renewals of policy if there is sum insured enhancement, new disclosures of material facts at renewals and approvals of endorsements.• Met with Agents and Brokers for discussing and explaining the decision taken on proposals of customers.• Coordinated with sales managers for better understanding of Additional information raised at proposal level.

Gurgaon, India

• Assessment of proposals where customer had disclosed preexisting medical history like Ongoing medications for Diabetes, Hypertension, Dyslipidemia, History of Surgery, History of Injury• Assessment of information provided by applicants through specific questionnaire designed to get more information related to preexisting medical history• Assessment of past medical records like consultation papers, prescription papers, blood investigations reports, urine examinations reports, x ray reports, ultrasound reports, past discharge summary which help in complete evaluation morbidity and mortality risk• Processed of proposals of all channels• Coordinated with Third party Administrators for completion of Health check ups and Tele medical calls • Coordinated with sales managers for better understanding of Additional information raised at proposal level• Gathered insurance risk information by written supplementary health questionnaires or phone conversations with customers• Communicated underwriting decisions and detailed explanations of adverse handlings promptly and accurately to clients• Maintained accurate records of decisions made and completeness of policy data.• Reviewed paperwork for signatures, dates, and other considerations to ensure that coverage may be issued.• Ensured applications are underwritten and processed according to companies underwriting guidelines• Provided underwriting decisions on reports received from claims team where there is findings of non-disclosure of facts at proposal level.• Provided underwriting decision at renewals of policy if there is sum insured enhancement, new disclosures of material facts at renewals and approvals of endorsements.• Met with Agents and Brokers for discussing and explaining the decision taken on proposals of customers.• Coordinated with sales managers for better understanding of Additional information raised at proposal level.

Gurugram, Haryana, India

• Processing of Hospitalization reimbursement claims of retail health insurance policies, critical illness • Assessment of claims documents including investigations reports, bills, payment receipts and take decision basis of policy terms and conditions• Coordinated with Fraud and Investigations teams for suspicious claims• Ensured claims should be processed with in TAT• Maintain records of claims processed and provided updated data to audit team on quarterly basis• Provided updated information to manager on daily basis with all claims processed• Met with Agents and Brokers for discussing and explaining the decision taken on claims of customers.• Assessment of past medical records like consultation papers, prescription papers, blood investigations reports, urine examinations reports, x ray reports, ultrasound reports, past discharge summary which help in complete evaluation of claims.

Gurugram, Haryana, India

• Processing of Hospitalization reimbursement claims of retail health insurance policies, critical illness • Assessment of claims documents including investigations reports, bills, payment receipts and take decision basis of policy terms and conditions• Coordinated with Fraud and Investigations teams for suspicious claims• Ensured claims should be processed with in TAT• Maintain records of claims processed and provided updated data to audit team on quarterly basis• Provided updated information to manager on daily basis with all claims processed• Met with Agents and Brokers for discussing and explaining the decision taken on claims of customers.• Assessment of past medical records like consultation papers, prescription papers, blood investigations reports, urine examinations reports, x ray reports, ultrasound reports, past discharge summary which help in complete evaluation of claims.