Mary Thuo

• Prepare competitive quotations and dispatch the same within recommended TATs
• Ensure pricing rates are competitive enough to provide favourable loss ratios
• Constant review of scheme loss ratios and provide proactive suggestions to aid in claims control
• Monthly running of the premium and marketing reports against target set (GWP)
• Client interactions-deal with customers face to face as walk ins or during clients visits
• Investigation:-

(a) Recognize trends of issues and where other processes are going wrong and being proactive in recommending solutions

(b) Familiarize with system to note it's extremes and what needs to be adjusted to suit market trends

• Provide the necessary support to intermediary by training them on the medical products
• Support on premium and excess collection
• Liaise with the underwriters, actuarial and business development teams to evaluate the products being sold and equally when designing new ones
• Organize and attend meetings with clients e.g. member educations, health talks, quarterly service review.
• Make loyalty calls to clients/ intermediaries to ensure they are happy/satisfied
• Supervise scheme setup to ensure it's accurately and timely done
• Supervise to ensure prompt debiting and dispatch of premium invoices and the premium schedules to the client/intermediary
• Coordinate with outsourced card production team on preparation of medical cards for all eligible members within stipulated TATs
• Review and signing-off of policy documents and dispatch of the same to the relevant clients within stipulated TATs and follow-up to ensure signed copies are returned
• Support in renewal process by reviewing and advising on renewal terms based on loss ratios and profitability index
• Investigation of issues, ability to recognize trends of issues and where other processes are going wrong-being proactive in recommending solutions
• Premium volume increase through organic growth by selling additional benefits and enhancements
• Supervise service levels and benchmark customer service standards against the market
• Facilitate and co-ordinate member sensitization sessions, health camps and any other client functions on behalf of underwriting team
• Hold forte on behalf of the Underwriting Manager while he is away

• Underwriting strategy: Contribute to the development and implementation of underwriting strategies, aligning them with the company's overall business goals.
• Risk management: Identify and assess emerging risk in the insurance sector and propose strategies to effectively mitigate the risks.
• Risk assessment: Analyze and evaluate complex underwriting data, including financial statements, loss histories, and industry trends, to assess risk associated with insurance policies.
• Policy underwriting: Determine appropriate coverage, terms, and pricing for insurance policies, considering risk exposure and profitability.
• Compliance: Ensure compliance with underwriting guidelines, company policies and regulatory requirements, maintaining high standards of ethical and legal conduct.
• Risk controls: Establish and maintain risk control measures to monitor and manage risks associated with insurance policies effectively.
• Team support: Provide guidance, mentorship, and technical expertise to junior underwriters, fostering a collaborative and supporting work environment.
• Stakeholder engagement: Build and maintain positive relationships with brokers, clients, and other internal and external stakeholders, providing exceptional customer service

• Receive application documents from various business sources

• Confirmation of completeness of retail application documentation,

• Medical underwriting in liaison with the clinical team- issuance of status letters

• Request of additional medical information through MEDEX or writing to the doctors to provide additional medical information

• Accurate set up of new and renewal business in the Actisure system

• Timely processing of membership documents i.e., membership cards, cover confirmation letters and policy documents

• Processing and dispatch of renewal notices within the set TATs

• Setting up and managing of membership details in the system including additions of benefits and dependants

• Ensuring customer satisfaction and timely feedback to queries

• Regular advice to claims team on updated membership schedule to send to the providers

• Response to inquiries (phone calls, e-mail inquiries & walk-ins)

• Monitoring policy holder claims utilization – Sending Member statements to intermediary/policy holder to advise members on balance of cover especially

• Periodic underwriting assessment triggered by diagnosis of a new condition for which JIC needs to review policy terms and conditions.

• Ensure timely booking of all businesses paid for

• Handling of policy and benefit enquiries with brokers, members, claims team, service providers etc.

• Broker/ customer management and ensure client expectations are always met and exceeded and support is provided.

• Following through the reports required by client/intermediary within the expected TATs e.g., member statements, etc

• Preparing policy documents and endorsements and dispatch of the same to the relevant client within the stipulated TAT's.

• Ensure printing and dispatch of premium debits/credits and reconciliations of schemes managed promptly, correctly and efficiently within TATs in place.

• Attending meetings with clients and intermediaries

Handle renewal process and secure the schemes renewals assigned to the portfolio.

• Any other tasks assigned

• Maintaining up to date (within the stipulated TAT) and an accurate membership database for all schemes (Fully Insured, Hybrid ,Fully Self-Funded)

• Verification of client membership data within the stipulated TAT

• Re – indexing of all relevant membership DME documents

• Verification of claims on DME

• Verification of claims status during member deletion

• Co –ordinate preparation and dispatch of medical and smart cards (new members & card replacements) within the stipulated TAT

• Preparation and issuing debit and credit notes within the stipulated TAT to the client/broker/Jubilee Insurance Accounts department while observing due process

• Attending to customers and addressing their queries within the set TAT

• Preparation of work reports (weekly, monthly, quarterly)

• Filing

• Any other tasks assigned

• Vetting of documents received from sales department

• Documentation and documents management on Actisure

• Recording renewals on Actisure

• Recording of new members' bio data on Actisure

• Forwarding of policy details to policy issuance department to facilitate preparation of medical cards

• Any other tasks assigned.

• Preparation of Audit Data

• Preparation of contribution schedules

• Issuance of policy documents

• Conducting scheme members educational meetings

• Recording of scheme members biodata

• Any other tasks assigned.