Medical Officer

Job Overview:

We are seeking a qualified and experienced Medical Officer (Doctor) to join our team at Policybazaar for Business. This role involves using medical expertise to assist in evaluating insurance claims, conducting risk analysis, and ensuring that the medical aspects of claims are handled in accordance with industry standards and regulations. The ideal candidate will have a strong background in healthcare and an understanding of insurance policies and risk management in the medical field.

Key Responsibilities:

Claims Review and Evaluation:

• Review medical claims submitted by policyholders to ensure accuracy and compliance with

insurance policies.

• Analyze the medical documentation provided by hospitals, clinics, and other healthcare

providers to determine the legitimacy of claims.

• Assess the medical necessity of procedures, treatments, and hospital admissions as per the

insurance policy guidelines.

• Provide second opinion or consultation on disputed claims or complex medical cases.

Medical Advisory Services:

• Provide expert advice and medical guidance to the TPA team, insurance providers, and

policyholders regarding medical treatment, diagnoses, and claims.

• Act as a liaison between healthcare providers and the insurance company to ensure a

seamless claims process and accurate policyholder information.

Medical Audits and Reports:

• Conduct medical audits to ensure the accuracy of claims and prevent fraud.

• Prepare detailed reports regarding the medical aspects of claims, risk assessments, and

policy compliance for senior management and insurers.

Collaboration with Medical Providers:

• Communicate with healthcare providers, hospitals, and clinics to clarify medical information

and ensure proper documentation is available for claims processing.

• Collaborate with medical professionals in cases of complex treatments or potential

discrepancies between claimed and provided medical services.

Educational Qualifications:

• Medical degree (MBBS, MD, or equivalent) from a recognized institution.

• Relevant specialization (if any) is a plus (e.g., General Medicine, Surgery, etc.).

Experience:

• Minimum of 5 years of experience in the healthcare industry, ideally in a clinical or insurance-related environment.

• Experience with medical claims evaluation, health insurance, or risk management is highly desirable.

• Familiarity with healthcare laws, regulations, and insurance policies is a plus.