underwriter: accident

2 days ago

Johannesburg Metropolitan Area, South Africa Santam Insurance Full time

Santam Specialist has an exciting opportunity for a
Underwriter: Accident and Health (A&H)
to join our underwriting team.

WHAT WILL YOU DO?

In this role, you will be responsible for evaluating, selecting, and managing risks related to accident and health insurance products, including group and individual plans. You will work closely with fellow underwriters, brokers, clients, actuaries, and internal teams to ensure profitable growth and adherence to underwriting guidelines.

WHAT WILL MAKE YOU SUCCESSFUL IN THE ROLE?

Key Responsibilities include:

  • Evaluate and analyze applications for accident and health insurance coverage (e.g., group travel, personal accident, critical illness, medical stop-loss, short-term disability, etc.).
  • Make sound underwriting decisions in accordance with company guidelines, risk appetite, and regulatory requirements.
  • Develop and maintain strong relationships with brokers, clients, and other distribution partners.
  • Assist in pricing and structuring complex risks in coordination with actuarial and product development teams.
  • Monitor portfolio performance, identify trends, and recommend changes to improve profitability.
  • Support junior underwriters, providing training and second-level underwriting review as needed.
  • Collaborate with legal, compliance, and claims departments to ensure contract clarity and operational alignment.
  • Participate in the development and improvement of underwriting policies, procedures, and best practices.
  • Represent the company at industry events, client meetings, and broker presentations.

QUALIFICATIONS AND EXPERIENCE:

  • Matric and an insurance related qualification or current studies.
  • Minimum of 12 months underwriting experience in accident and health insurance, with a focus on group or specialty products.
  • FAIS compliant – RE 5 a preference
  • Class of Business – Commercial a preference
  • Analytical, decision-making, and negotiation skills.
  • An understanding of insurance principles, risk evaluation, rating methodologies, and regulatory requirements.
  • Experience using underwriting and policy administration systems.
  • Excellent communication and interpersonal skills.
  • Ability to work independently and manage a portfolio of complex cases.

SKILLS AND KNOWLEDGE:

  • Draw standard reports, if and when required.
  • Handle accounts queries.
  • Assist with outstanding claims assessment.
  • Attend to daily administrative routine tasks in accordance with organisational standards, processes and procedures.
  • Attend to the typing of general correspondence if and when necessary.
  • Experience with reinsurance structures an advantage
  • Comfort working in a fast-paced, evolving environment.
  • Ability to learn and adhere to group risk requirements governing A&H insurance product lines.
  • Strong processing skills and adherence to detail.
  • Knowledge of the South African insurance regulatory environment (FAIS, FSCA, POPIA, TCF).

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