Snehal Landge
Summary
Medical underwriting professional with 12+ years of experience in health insurance underwriting, clinical risk assessment, and critical illness portfolio management. Proven expertise in medical evaluation, risk selection, loss ratio optimization, and claims analysis. Strong foundation in interpreting medical records, diagnostics, and disease progression, supported by BHMS and MBA in Healthcare Administration. Experienced in IRDAI regulations, UAE (DHA/DOH) compliance, reinsurance coordination, and underwriting automation systems.
Overview
14
14
years of professional experience
Work History
Chief Manager – Health & Medical Underwriting
ICICI Lombard General Insurance Co. Ltd.
Mumbai
01.2019 - Current
- Underwrite health and critical illness proposals using medical records, lab reports, and clinical history
- Assess pre-existing diseases, comorbidities, lifestyle risks, and morbidity exposure
- Evaluate high-value and high sum insured cases, ensuring optimal risk acceptance
- Manage Critical Illness portfolio with focus on underwriting discipline and profitability
- Implement underwriting strategies to improve loss ratios and reduce claims leakage
- Monitor portfolio trends and adjust risk selection frameworks
- Partner with claims team to analyse claims trends and medical outcomes
- Align underwriting practices with claims experience to improve decision accuracy
- Strengthen fraud detection and leakage control
- Contribute to CI product design, including medical definitions and underwriting guidelines
- Support development of risk-based pricing and exclusions
- Coordinate with reinsurers for complex medical cases and treaty structures
- Support premium reconciliation and treaty compliance
- Ensure adherence to IRDAI health insurance regulations
- Underwrite international policies aligned with DHA (Dubai Health Authority) and DOH standards
- Configure underwriting rules in Artemis system
- Improve turnaround time (TAT) and decision consistency
- Train and mentor team members in underwriting and risk evaluation
- Awarded High Flier Award (2 consecutive years)
Medical Officer & Healthcare Administrator
Lifeline Medicare Hospital | Asian Heart Hospital | Bhatia Hospital
Mumbai
01.2012 - 01.2018
- Managed ICU and emergency patients, gaining expertise in clinical diagnosis and treatment pathways
- Evaluated diagnostic tests, medical histories, and disease severity
- Built strong understanding of chronic illnesses, surgical risks, and acute conditions
- Experience directly supporting medical underwriting decision-making
Education
MBA - Healthcare Administration
ICFAI University
Mumbai01-2016
BHMS - Bachelor of Homeopathic Medicine & Surgery
Lokamanya Homeopathic College
Mumbai01-2012
Licentiate -
Insurance Institute of India
Skills
- Health Insurance Underwriting
- Medical Underwriting
- Clinical Risk Assessment
- Critical Illness (CI) Underwriting
- Pre-existing Disease Analysis
- Medical Records Evaluation
- Diagnostics Interpretation
- Risk Selection
- Loss Ratio Management
- Portfolio Management
- Claims Assessment
- Reinsurance & Treaty Management
- Regulatory Compliance (IRDAI, DHA, DOH)
- Underwriting Automation
- Artemis System
- High Sum Insured Cases
Languages
- English
- Hindi
- Marathi
Hobbies and Interests
- Taekwondo
- Dance
- Acting
Credentials
- LIII
- MHA
- BHMS
Technical And Domain Expertise
Artemis, IRDAI, DHA, DOH, Health, Critical Illness, Accident Insurance, Morbidity, Clinical Assessment, Claims Correlation
Timeline
Chief Manager – Health & Medical Underwriting
ICICI Lombard General Insurance Co. Ltd.
01.2019 - Current
Medical Officer & Healthcare Administrator
Lifeline Medicare Hospital | Asian Heart Hospital | Bhatia Hospital
01.2012 - 01.2018
MBA - Healthcare Administration
ICFAI University
BHMS - Bachelor of Homeopathic Medicine & Surgery
Lokamanya Homeopathic College
Licentiate -
Insurance Institute of India