JOB DETAILS:Job Purpose
The jobholder is responsible for the assessment and determining terms for medical risks.
Principal Accountabilities
Underwriting Role• Assess the new and existing risks and ensure that they are adequately rated and commensurate with the terms and conditions advised and endorsed to retain profitability of the medical portfolio.
• Provide competitive quotations to all customers promptly within the standards set.
• Membership management; additions and cancellations.
• Scheme set up, benefits set up and membership updates in the system
• Timely and accurate debiting of premium and cover conditions and that the documentation is in compliance with set standards and procedures.
• Ensure that medical insurance cards are issued in an efficient timely and accurate manner
• Prepare and send renewal notice within stipulated timeline and co-ordinate follow up of the renewals to achieve renewal capture targets.
• Ensure policy endorsements & documents are accurate and made within the standards of service, and ensure timely dispatch
• Train various stakeholders on company products for increased knowledge and growth of business
• Monitor scheme loss ratios and adjust renewal terms accordingly
• Assist with business acquisition through follow up on quotes and intermediary visits.
• Ensure business is booked as per the company’s credit policy and follow up on payment plans.
Customer Service Role
• Continuously monitor the outpatient fund and check on prudent utilization of cover reporting any anomaly noted and ensure timely invoicing for top up.
• Provide benefit utilization reports as per the standards of service set out in the customer charter
• Provide timely feedback to client’s queries and concern as per service charter provisions.
• Maintain client and intermediary relationships through visits
Knowledge and Experience
Qualifications:
Minimum Academic Qualifications• A Bachelor’s degree in Actuarial science/Statistics from a recognized University.
Professional Qualifications
• Diploma in Insurance
Experience:• Entry Level to 6 months of experience.
Skills and Competencies
• Stakeholder Management
• Analytical skills
• Teamwork
• Interpersonal and communication skills
• Accuracy/Keen to detail
• Commitment & dedication
• Decision making
• Customer oriented
• Planning and organization skills
JOB DETAILS:
Purpose of the Job:
Collaborate with medical clients, intermediaries, and medical service providers to facilitate access to quality, timely, effective, and cost-efficient healthcare services with the aim of achieving business growth, profitability, and customer retention.
Principal Accountabilities
Claims Processing
• Confirmation of membership, validity, and benefits before processing claims.
• Capture and vet medical bills within the clients benefit structure.
• Code, verify, audit and process medical claims within negotiated, customary and reasonable price.
• Correctly reserve bills on discharge and approved outpatient cases.
• Provide second review of bills where providers question the appropriateness of payment authorized.
Care Management
• Review pre-authorization of admission, discharges, scheduled and emergency medical cases, issue timely responses as per policy benefits and company guidelines.
• Review of patient’s history and records to determine cause of disease and assess if treatment correlates with the diagnosis and applicable benefits.
• Coordinate local and international emergency evacuations, referrals, and transfers
• Set the appropriate parameters for each admission (claim reserve, initial authorized cost and duration) and ensure their compliance.
• Negotiation of doctors’ and hospital bills and charges in view of reducing the cost of care before or during admissions.
• Visit patients admitted within Nairobi and follow up the ones admitted outside Nairobi. Post discharge follow up of patients to ensure adherence to care.
• Follow up care of admitted patients with the doctors and providers to ensure quality care and cost containment.
• Implement preventive care program through health talks, wellness and the chronic disease management program CDMP.
• Send weekly and monthly report on admissions, exceptional claims, long stay, savings amongst others.
• Audit service provider applications, process contracts and provider feedback
Customer Service
• Oversee weekly sending out active members list to the providers.
• Update intermediaries and/ or scheme administrators on clinical, coverage and bills of admitted clients.
• Provide feedback and update to intermediaries and schemes on requested providers.
• Coordinate with the clients and medical providers to leverage on NHIF.
• Ensure adherence to contracts and service level agreements between providers and the company.
• Process reimbursement documents and communicate to clients about the status of their claims.
• Register, follow through and resolve the customers and provider queries and complains in time and advise them on outcome and the details of the medical product.
Knowledge and Experience
Qualifications:
Academic Qualification
• Bachelor’s degree Nursing/ Diploma in Nursing
Professional Qualifications
• Nursing Council of Kenya
• AIIK
Experience:
• Four years’ experience in health insurance
Knowledge
• Understanding of insurance industry
Skills and Competencies
• Excellent communication and Interpersonal Skills.
• Problem Solving
• Empathy
• Decision Making
• Negotiation Skills
• Ethical
• Team Player
• Keen to detail
• Planning & Organization Skills
• Customer Oriented
• Stakeholder management
• Dependability