Dr Vipashyana Maske

• Assessed life & health insurance proposals by analyzing medical, financial, and lifestyle risks
• Evaluated medical reports (BMI, CBC, comorbidities) to make accurate underwriting decisions
• Handled complex and high-value cases, applying loadings, exclusions, and policy terms
• Ensured adherence to underwriting guidelines and regulatory compliance
• Collaborated with reinsurers for large sum assured and critical cases
• Performed data analysis on underwriting and claims data to identify risk
• Learned and handled Employer–Employee insurance cases as part of underwriting operation
• Managed corporate health insurance portfolios and supported wellness programs
• Analyzed population health data to recommend risk mitigation strategies
• Coordinated with cross-functional teams (claims, actuarial, medical, sales)
• Contributed to maintaining a balanced portfolio with controlled loss ratios
• Demonstrated strong decision-making, risk assessment, and stakeholder management skills

Allstate, Pune | 06/2023 – 11/2024

• Performed detailed medical record reviews and health risk assessments for US health insurance claims and underwriting support processes.

• Analyzed clinical documentation, diagnostic reports, comorbidities, treatment history, and hospitalization records to evaluate medical risk exposure.

• Supported underwriting decision-making by identifying high-risk medical conditions, chronic illnesses, and potential claim red flags.

• Assisted in medical underwriting activities including eligibility assessment, risk classification, and medical data interpretation for policy evaluation.

• Worked on pre-authorization, claims analysis, and utilization review while ensuring compliance with US healthcare insurance guidelines.

• Collaborated with underwriting, claims, and operations teams to support accurate and timely case resolutions.

• Conducted data analysis on disease trends, claim patterns, and healthcare utilization to support risk management strategies.

• Maintained strong accuracy and quality standards while handling large volumes of medical and insurance-related cases.

• Demonstrated effective stakeholder communication skills while coordinating with US-based teams and cross-functional departments.

• Contributed to process improvement initiatives, operational efficiency, and structured reporting within healthcare insurance workflows.

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• Provided primary healthcare consultation, diagnosis, and treatment as a General Physician.
• Conducted health camps focusing on preventive care, early diagnosis, and community health awareness.
• Delivered health education lectures on lifestyle diseases, nutrition, and preventive healthcare.
• Promoted public health awareness through patient counseling and community engagement initiatives.
• Managed OPD patients, clinical documentation, and follow-ups ensuring quality care delivery.
• Identified early risk factors for chronic diseases, supporting preventive and population health management.

• Provided first aid and emergency response during community events and activities.
• Maintained accurate records of volunteer hours and patient interactions.
• Trained new volunteers on safety protocols and patient interaction guidelines.
• Helped nurses with administrative tasks such as filing paperwork or taking inventory of medical supplies.
• Organized health awareness workshops for community engagement and education.
• Collaborated with healthcare professionals to provide basic health screenings.

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• Completed day-to-day duties accurately and efficiently.
• Conducted patient rounds with MD consultants and supported clinical decision-making.
• Reviewed medical records and ensured accurate documentation for treatment and claims.
• Coordinated with cashless & reimbursement health insurance teams for approvals and claim processing.
• Provided medical inputs to facilitate smooth insurance claim settlement and communication

• Assisted in patient assessments and medical history documentation.
• Conducted routine examinations and monitored patient vital signs daily.
• Administered medications and coordinated with pharmacy for prescriptions.
• Ordered laboratory tests, imaging studies, or other diagnostic procedures as needed.
• Instructed patients on proper medication usage, diet modifications, exercise regimens, and lifestyle changes.