Medical Underwriter Cover Letter Example

Medical Underwriters are highly skilled professionals who work to handle the insurance aspects of the medical field. The job role will evaluate health-related applications, and decide on the involved risks and costs. They further make unbiased assessments and determine the amount of risk the insurance plan would cover or carry.

While it may be easy to draft a resume, it may seem difficult for many to write a well-polished and attractive Cover letter. If you feel that you need a helping hand, feel free to download our Medical Underwriter Cover Letter and get a chance to impress your hiring Manager.

Medical Underwriter Cover Letter example

Medical Underwriters are responsible for reviewing the medical records of patients, and use the data/information for assessing the risk level, and determining if the application falls under the insurance coverage or not. The job duties further involve – adjusting premiums as per the applicant’s health history, evaluating requests for pre-existing condition coverage, and negotiating terms with potential customers.

What to Include in a Medical Underwriter Cover Letter?

Roles And Responsibilities

  • Collecting, and analyzing the medical information of the patient and assessing the associated risks so that correct coverage can be provided.
  • Developing underwriting reports and risk evaluation models.
  • Determining if pre-existing conditions are to be included and advising the company appropriately about the protocols.
  • Staying aware of applicable laws, regulations, and trends.
  • Negotiating with customers and advising them on the most suitable premium that will fetch them maximum coverage.
  • Investigating any sort of discrepancies, and giving immediate remedial solutions.
  • Evaluating the medical information, and providing feedback to the management.
  • Analyzing the applicant’s data completely and evaluating risk factors.

Education & Skills

Medical Underwriter Skills:

  • Strong working knowledge of the medical field and associated terminologies used in the underwriting process.
  • Strong communication skills, with the ability to interact professionally with all kinds of management, and patients.
  • Proficiency in using relevant software including MS Office.
  • The ability to come up with quick decisions.
  • Multitasking abilities, and the ability to generate and interpret complex information.
  • A thorough understanding of the medical insurance underwriting practices as pertinent to the state.
  • Strong record management skills.

Medical Underwriter Education Requirements:

  • A bachelor’s degree in a related field such as health sciences, business, finance, or risk management.
  • Prior work experience in the medical or insurance field.

Medical Underwriter Cover Letter Example (Text Version)

Dear Mr./Ms.

As a motivated, result-oriented, and dedicated medical underwriting professional, I have the urge to join your established team and help them in their medical underwriting process. My immense background in the field complemented by my passion for patient service and information analysis will bring immediate results, and contribute significantly to the growth and advancement of your company’s mission and goals.

During my tenure previously at (Company Name), I gained a unique combination of abilities that will allow me to take up this role in your company. Throughout my professional history, I have consistently exhibited upgraded standards and skills in the underwriting process. That said, I had been working as a Medical Underwriter for 10 years now.

Consider the following highlights from my qualifications:

  • Experienced in developing underwriting strategies that lowered risks, and enhanced profit by 35% for (Company Name)
  • Worked in an extremely fast-paced setting, with the ability to modify myself to the industry that is often changing or revamping its services and regulatory standards
  • Hold **** status, and have robust Medical Underwriting knowledge that has been comprehended and appreciated by my peers and management alike.
  • Have been awarded the Best Employee of the Year for my contribution to efficient Medical Underwriting.

In addition to this, I have experience in assessing medical applications and conducting health-related reviews. I am proficient in using relevant industry software and providing accurate underwriting solutions. My keen eye for detail, and analytical skills, along with my strong knowledge of assessing and mitigating risks will be an immediate asset to your company.

Having said this, I would also add that I have a Master’s degree in (domain name), and I am a certified underwriter as well. These qualifications, supplemented with my experience and educational credentials, put me in a place wherein I trust that I can surpass the expectations that you are looking for from your new Medical Underwriter.

I look forward to an opportunity to learn more about *** and to discuss how I can contribute my assets at your place. Thank you for taking the time to review my credentials.

[Your Name]


When writing your cover letter for a Medical Underwriter position, be sure to emphasize your experience and qualifications, including any relevant certifications. Additionally, highlight your knowledge of insurance policies and practices and your understanding of risk assessment and management. Finally, demonstrate your excellent communication and interpersonal skills to show you are an ideal candidate for the role. Pair your cover letter with a matching resume for guaranteed success. Want to become the center of attention? Check out our Medical Underwriter Resume Samples and build yours in minutes.



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