Medical Insurance Underwriter – Remote Operations

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Company: The Elite Job

Location: United States

Employment Type: FULL_TIME, PART_TIME

Date Posted: 2025-10-25

Valid Through: 2026-10-25

Job Summary

The Elite Job is seeking a meticulous and detail-oriented Medical Insurance Underwriter to join our remote operations team. This role focuses on evaluating, assessing, and approving medical insurance applications while ensuring compliance with company policies, regulatory requirements, and risk management standards. The ideal candidate will have a strong analytical mindset, excellent communication skills, and a thorough understanding of medical underwriting processes. This is a full-time remote position offering an opportunity to grow within a dynamic and supportive work environment.

Key Responsibilities

  • Assess medical insurance applications to determine risk and eligibility for coverage.

  • Analyze medical histories, test results, and other documentation to make informed underwriting decisions.

  • Collaborate with medical professionals, agents, and brokers to clarify applicant information.

  • Ensure adherence to company policies, procedures, and regulatory guidelines during the underwriting process.

  • Maintain accurate records of underwriting decisions and prepare detailed reports for management review.

  • Identify trends, risks, and patterns in applications to support data-driven decision-making.

  • Support the development and refinement of underwriting guidelines and risk assessment models.

  • Handle inquiries from agents and clients professionally and promptly.

Required Skills and Qualifications

  • Bachelors degree in Health Sciences, Insurance, Finance, or a related field.

  • Strong understanding of medical insurance products, terminology, and underwriting principles.

  • Excellent analytical and decision-making skills with high attention to detail.

  • Proficient in Microsoft Office Suite (Excel, Word, Outlook) and underwriting software.

  • Strong verbal and written communication skills.

  • Ability to interpret medical reports and clinical documentation accurately.

Experience

  • Minimum of 2-4 years of experience in medical insurance underwriting, health risk assessment, or a related field.

  • Previous remote work experience is a plus.

Working Hours

  • Full-time position: Monday to Friday, 9:00 AM – 5:30 PM (flexible hours may be considered based on time zone).

  • Occasional overtime may be required to meet deadlines.

Knowledge, Skills, and Abilities

  • Comprehensive knowledge of medical insurance regulations and compliance standards.

  • Ability to work independently and efficiently in a remote work environment.

  • Strong problem-solving skills and the ability to make sound decisions under pressure.

  • High level of confidentiality and ethical standards in handling sensitive information.

  • Capacity to multitask and manage workloads in a fast-paced environment.

Benefits

  • Competitive salary and performance-based incentives.

  • Flexible remote work arrangement.

  • Health, dental, and vision insurance coverage.

  • Professional development and training opportunities.

  • Paid time off and holiday benefits.

  • Supportive team culture with regular virtual engagement activities.

Why Join The Elite Job

  • Become part of a forward-thinking company committed to excellence in insurance services.

  • Work in a collaborative, remote-friendly environment that values innovation and employee growth.

  • Opportunity to advance your career with access to continuous learning, mentorship, and leadership programs.

  • Contribute to shaping policies and processes that impact thousands of clients nationwide.

How to Apply

Interested candidates are encouraged to submit their resume and a cover letter detailing relevant experience and qualifications to us with the subject line: Application – Medical Insurance Underwriter – Remote Operations.

Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for virtual interviews.

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...