InCHES Healthcare Medical Underwriting Executive Interview Questions and Answers

Q1. Basic knowledge
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Q2. Self introduction
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Q1. 4c of underwriting
Ans. 
Question 4c of underwriting typically pertains to specific details about the underwriting process or criteria.
• Question 4c may ask about the applicant's financial history or risk factors.

• It could also inquire about the insurance policy being applied for and its coverage details.

• Understanding the context of the question and providing relevant information is key to answering effectively.
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Q2. Explanation of 4c s details review of previous experience
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4c's details review of previous experience involves analyzing the candidate's communication, critical thinking, collaboration, and creativity skills.
• Communication: Assess how effectively the candidate communicates with team members, clients, and stakeholders.

• Critical Thinking: Evaluate the candidate's ability to analyze complex information, make sound decisions, and solve problems.

• Collaboration: Review how well the can...read more
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Q1. Simple basic finance
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Q1. Basic salary discussion
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Q1. Basic finance questions
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It was very easy interview process. You can definitely get the job. Prepare well. Questions repeat all the time

Q1. What is leverage ratio
Ans. 
Leverage ratio is a financial metric that measures the amount of debt a company has relative to its assets.
• Leverage ratio is calculated by dividing a company's total debt by its total assets.

• It is used to assess a company's ability to meet its financial obligations.

• A high leverage ratio indicates that a company has a significant amount of debt relative to its assets, which can be risky.

• For example, if a company has $1 ...read more
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Q2. Tell something about yourself which is not present in the CV
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Q1. Questions about Insurance
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Q2. Questions about underwriting
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Q1. Share details of your previous job.
Ans. 
I worked as an Underwriting Analyst at XYZ Company.
• Analyzed and evaluated insurance applications to determine risk and coverage

• Assessed financial and medical information to make underwriting decisions

• Calculated premiums and set policy terms based on risk assessment

• Collaborated with underwriters and agents to resolve policy issues

• Maintained accurate records and documentation of underwriting activities
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Q2. What are your salary expectations?
Ans. 
I would like to discuss salary expectations further during the negotiation process.
• Express willingness to discuss salary expectations further

• Highlight the importance of negotiation

• Avoid giving a specific salary figure

• Focus on the value you can bring to the role
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Q3. What is your family background?
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My family background is diverse and multicultural, with members from different countries and professions.
• My parents are from different countries, which has exposed me to different cultures and perspectives.

• My father is a doctor and my mother is an engineer, so I have been influenced by both the medical and technical fields.

• I have relatives who are lawyers, teachers, and entrepreneurs, which has given me a well-rounded ...read more
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Q4. Tell me about yourself.
Ans. 
I am an experienced Underwriting Analyst with a strong background in risk assessment and financial analysis.
• I have a Bachelor's degree in Finance and have been working in the insurance industry for 5 years.

• I have expertise in evaluating insurance applications, determining risk levels, and setting appropriate premiums.

• I am skilled in analyzing financial statements, conducting market research, and making data-driven deci...read more
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Q1. They just asked few technical questions and the managers made me comfortable in interview.
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Q1. Discussed about CTC and then, got the offer
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