Deepika Racha
Star Health and Allied Insurance Company Ltd.
Chennai
2
Languages
8
years of professional experience
Confident underwriting and claims specialist with 7+ years in health insurance. Proven strength in audit processes, case review, and premium accuracy. Experienced in partnering with sales, admin, and branch teams to manage escalations and maintain regulatory standards.
Work History
Insurance Underwriter
3 Years 11 Months- Applied underwriting guidelines to evaluate and decide on application approvals and declines.
- Reviewed policy terms, exclusions, and premium calculations for compliance and accuracy.
- Communicated underwriting outcomes clearly to agents and branch staff.
- Ensured audit readiness by managing underwriting records and case files for Star Health.
- Partnered with sales teams to resolve proposal clarifications and exception cases.
- Managed underwriting and HR administration processes.
- Evaluated customer needs and escalated complex issues to management.
- Led branch-wise audit and review programs once every three months.
- Directed sales and admin responsibilities, including salaries and appraisals.
- Facilitated branch expansion in rural and urban areas through strategic support.
- Oversaw monitoring of station rents and commission payments for agents.
- Developed local monthly activation schemes, club member benefits, and festival grants to engage customers.
- Analyzed and managed data for reporting and tracking.
Claims Analyst
3 Years 6 Months- Reviewed health claim files for Star Health and Allied Insurance Company Ltd.
- Verified policy coverage, exclusions, and claim eligibility against hospital records to ensure compliance.
- Reviewed medical bills, discharge summaries, and supporting documents for accuracy.
- Reviewed customer claims, identified discrepancies, and recommended appropriate courses of action to resolve issues.
- Coordinated with network hospitals for claim clarification and document collection, enhancing communication and efficiency.
- Recorded claim details in insurance systems and maintained case status updates.
- Verified documents to ensure accuracy of information provided by customers.
- Maintained accurate records of all claim activities in accordance with company policies.
- Participated in meetings with internal departments or external vendors to discuss disputed claims.
Education
Bachelor of Technology - Information Technology
Skills
Underwriting expertise
Policy evaluation
Premium calculation
Risk assessment
Compliance adherence
Compliance procedures
Fraud risk analysis
Fraud identification
Excel reporting
Audit processes
Portfolio analysis
Portfolio monitoring
Excel reporting
Excel reporting
Languages
English
C1
Advanced
Telugu
C2
Proficient
Accomplishments
- Won 2nd place in ZONE with nil Zonal underwriter cell queries.
- Won 2nd rank during the external audit.
Timeline
Insurance Underwriter
Star Health and Allied Insurance Company Ltd.
01.2018 - 12.2021Read More
Claims Analyst
Star Health and Allied Insurance Company Ltd.
06.2014 - 12.2017Read More
JNTU
Bachelor of Technology from Information Technology
Read More