Manisha Narayan Pawage
Bengaluru
Summary
Seeking a career opportunity within the organization where my dedication and hard work will gain me a position of substantial responsibility. Skilled in navigating the complex landscape of insurance underwriting with experience in assessing risks, determining policy terms, and setting premium rates. Strong analytical abilities and knowledge of risk management principles have contributed to effectively minimizing financial losses in previous roles. Demonstrated capability in improving underwriting processes and procedures, enhancing operational efficiency.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Life Underwriting Consultant
Ethos Life
07.2023 - Current
- Underwriting of life insurance applications involves reviewing and summarizing U.S. life insurance policy applicants' medical information, such as attending physician's statements (APSs), lab reports, paramedical exams, and/or other related underwriting information consistent with company standards, electronic health records (EHR), lab pictures, and medical claims.
- Evaluating life insurance applications based on the Swiss Re life guide and internal guidelines.
- Assessing life insurance applications medically, financially, and non-medically, such as MVR (motor vehicle records), criminal records, medical claims, etc.
- Onboarding new hires, and introducing them to the process flow.
- Provided training sessions on topics related to the company's underwriting guidelines.
Medical Underwriter
Principal Global Services
Pune
06.2016 - 06.2023
- Worked on medical data reviewing, triage guidelines, decision making, quick quotes underwriting, MIB data, etc.
- Conducted accurate and thorough risk selection with proper classification of insureds.
- Provided technical assistance to colleagues when needed in order to ensure timely completion of tasks.
- Identified potential fraud or abuse by reviewing claims activity for patterns of suspicious behavior.
- Drafted letters informing clients of approval and denial status along with explanation of rationale behind decision making process.
- Maintained accurate records related to underwriting activities including review notes, correspondence.
- Assessed financial risks associated with new policies by analyzing customer applications and related documents.
- Applied rating to encourage safe, profitable distribution of risks.
- Developed individualized underwriting decisions based on evaluation of health history, lifestyle habits, and other factors.
- Trained new hires on reviewing medical records, triage (decline/high risk) case identifications, and accelerated underwriting.
Senior Medical Data Summarization Executive
ITCube Solutions Pvt. Ltd.
03.2012 - 06.2016
- Reviewed the medical records and summarized them in a simplified manner.
Education
Masters - Microbiology
Pune University
Pune01.2012
Skills
- Comprehensive knowledge of human physiology and anatomy
- Creating manuals, guidelines, and training materials
- Continuous Process Evaluation
- Effective Knowledge Transfer
- Audit/quality assessment
- Developmental Feedback Analysis
- Assessment of Improvement Opportunities
- Time management
- Efficient Time Management
- Strong Workload Adaptability
Certification
- LOMA: ALMI, ALU 101
- Reinstatement claims
- Training on public speaking and E-mail Etiquette
- Six Sigma: Yellow Belt
Languages
- English
- Hindi
- Marathi
Accomplishments
- Won the prestigious "Rising Star" award in Principal Global services in 2017
- Received reward and recognition for best quality and productivity
Languages
Marathi
First Language
English
Proficient (C2)
C2
Hindi
Proficient (C2)
C2
German
Beginner
A1
Timeline
Life Underwriting Consultant
Ethos Life
07.2023 - Current
Medical Underwriter
Principal Global Services
06.2016 - 06.2023
Senior Medical Data Summarization Executive
ITCube Solutions Pvt. Ltd.
03.2012 - 06.2016
- LOMA: ALMI, ALU 101
- Reinstatement claims
- Training on public speaking and E-mail Etiquette
- Six Sigma: Yellow Belt
Masters - Microbiology
Pune University
Similar Profiles
Libaan HusseinLibaan Hussein
Workplace Assistant at Ethos LifeWorkplace Assistant at Ethos Life
MICHAEL LEITHMICHAEL LEITH
Life Insurance Sales Agent at Ethos LifeLife Insurance Sales Agent at Ethos Life
Santosh SinghSantosh Singh
Principal Recruiter at Ethos LifePrincipal Recruiter at Ethos Life