Taking care of claims under Commercial, Motor and Medical LOBOn receipt of the claim intimation, register the claim in the system with a unique claim number and intimate a claim to the insurance company and accompany the loss adjuster to inspect the loss.Scrutiny of the incident, cause of loss, operated peril to decide the admissibility under the Insurance Policy.Guiding the client to arrange the claim documents requested by the loss adjuster and scrutiny each document before submitting it to the surveyor.Once the documents have been arranged from the insured then follow up with the loss adjuster to share the assessment with us.Check the assessment before sharing it with the insured and arrange consent if the assessment is on orderIn Motor claims, taking an overview of daily claim managed by my colleague and getting involved in escalated claims and disputed and grievance cases from the customerInvolving in Total loss / Cash loss claims. Coordinate with the insurer to arrange an offer letter and involved until its final settlement to the clientVisiting the few core garages from Dubai where we are diverting most of the accident vehicles.In Medical Claims, taking an overview of daily claims managed by my colleague and getting involved in high value and pending cases with the insurer.Attending all the queries raised by the medical team from the insurer and coordinate with the client to arrange the requested documentTake care of the preapproval request for medical treatment, planned surgeries and arranging approval where the member is traveling to the home country for the treatment.Grooming the team member for higher responsibility & designing the reward & recognitions for themConduct training for team member and sales team on ClaimsInvolving in each and every claim from its intimation up to the settlement and strictly route all the claim documents through us.

Develop and maintain effective relationship with the client and insurer. It is to enhance service delivery and facilitate the settlement and payment of claims. Involved in each claim from its intimation up to the settlement. Helping insured to build a claim file and to arrange the claim documents as per requirement. Maintaining MIS for claims status and submitting the same to the corporate clients and on every quarter arranging a meeting between client and the insurer.Ensure effective working relationship between product specialist, entire branch including sales and placement team so that togather they drive revenue and profit growth through claims services.

Associated with Reliance General Insurance Co. Ltd., Pune location as Underwriting Manager.Strong understanding of the General Insurance industry particularly in the area of policies including what each policy covers.Instrumental in building and maintaining relationships with key corporate decision makers, establishing large volumes, high profit accounts with excellent levels of retention and loyalty.Conducting frequent training for Sales Managers, Advisors & New Joinees to educate them about claims, underwriting & AML/KYC concepts; regularly updating them on the subject for best practice.Regularly visiting to the brokers and clients along with sales managers for seeking new business and to discuss on technical queries/issueProcess ManagementMonitoring the overall functioning of processes, identifying improvement areas and implementing adequate measures to maximize customer satisfaction level.Managing the internal process audits & process reviews for ensuring strict adherence to the process parameters/systems as per defined guidelines.Part of UAT Testing (User Acceptance Testing) before introduction of new process/fields as well as system modificationResponsible for statutory as well as internal audit in claims and underwriting dept.

Commercial Underwriting & Risk ManagementImplementing underwriting guidelines, workflow, application forms and questionnaires.Tracking of fire and marine declaration.Underwriting new and existing business within the set of guidelines; recommending acceptance and rejection of the proposal based on the same.Accepting the proposal as per discount authority and coordinating with vertical head in case discount exceeds approval limit.Scrutiny of all the policies to ensure that they are issued in line with guideline and coverage.Part of west zone underwriting team and giving approvals for commercial line proposals for west zone.Regularly visiting to risk location along with the risk engineer.Commercial Claims ManagementOn receipt of the claim intimation accompanying surveyor whenever necessary.Scrutinizing claim files processed by executives.Analyzing the claim and deciding whether it is covered by the Insurance Policy.Receiving the claims, verifying eligibility of the insured, processing, adjudicating and settlement; preparing the recommendations for the settlement of claims.To keep liaison with the surveyor / loss adjusters.Right from registration of the claim up to its settlement strictly follows the ISO norms decided by the company.