Underwriter?/Accident & Health Insurance ? Haywards Heath ? Hybrid Remote
Posted 2025-03-15Position: Underwriter (Accident & Health) Insurance ? Haywards Heath ? Hybrid Remote
Collinson is the global, privately-owned company dedicated to helping the world to travel with ease and confidence. The group offers a unique blend of industry and sector specialists who together provide market-leading airport experiences, loyalty and customer engagement, and insurance solutions for over 400 million consumers.
Collinson is the operator of Priority Pass, the world?s original and leading airport experiences programme. Travellers can access a network of 1,500+ lounges and travel experiences, including dining, retail, sleep and spa, in over 650 airports in 148 countries, helping to elevate the journey into something special. We work with the world?s leading payment networks, over 1,400 banks, 90 airlines and 20 hotel groups worldwide.
We have been bringing innovation to the market since inception ? from launching the first independent global VIP lounge access Programme, Priority Pass to being the first to sell direct travel insurance in the UK through Columbus Direct and creating the first loyalty agency of its kind in the travel sector with ICLP. Today we still invest heavily in innovation to ensure that we continue to deliver superior customer experiences.
Purpose of the Job
Reporting to the Head of Pricing & Underwriting (Accident & Health), the Underwriter is responsible for the co-ordination of underwriting activity for key clients of the International Health and Dental insurance portfolios, in line with the corporate strategy. Underwriting is conducted at brand level, white labelling for our key partners.
As an Underwriter, you will be responsible for contributing to the profitability of our schemes and products, including management of scheme net loss ratio performance against targets. You will be responsible for the management and tracking of losses and the co-ordination of any mitigating actions that may be required. Knowledge of health insurance products, earning patterns, projection of experience to full maturity and P&L would be required.
Strong interest in data analysis is at the core of this role, with focus on interpreting and maximising data effectively and quickly drilling down to meaningful KPIs which can be released into monthly reporting cycles and utilised in key pricing decisions.
This is a varied role demanding a good balance between data analysis/MI, product, commercial delivery and excellent communication skills. It is a real opportunity to contribute to the shape and execution of the next steps in Collinson?s broader Health line of business strategy.
Key Responsibilities
? Carry out product/rate reviews, including changes to benefits and pricing.
? Compiling, in conjunction with the Compliance department, policy wordings, endorsements, addendums as may be required to reflect the cover provided by the policy in line with the pricing interpretation & expectation.
? Work with the reserving team to ensure accurate IBNR and reserve calculations.
? Demonstrating consistent adherence to local governance principles, primarily focusing on fair treatment of the end customer.
? Supporting Account and Business Development and Marketing teams when creating/enhancing products, with a strong focus on customer need.
? Monitor and analyze sales and underwriting performance, utilizing market research to identify and champion best practice.
? For existing schemes, co-ordination of annual renewal pricing and product reviews, utilising scheme performance data to propose and implement enhancements to support/develop scheme performance.
? Champion the use of new methods and techniques to manipulate and present data more efficiently.
? Contribution towards the design and continued update of Medical Underwriting guidelines and processes which are set with strong guidance from our Chief Medical Officer and in collaboration with our operations team.
? Day-to-day Medical Underwriting of Health products, working with the operational policy administration, claims and assistance teams, acting fairly and properly, and where appropriate communicating the result of underwriting decisions to partners/customers.
Knowledge, skills and experience required
Subject Matter Expertise
? Strong technical insurance underwriting?
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