FIROZ MUHAMMED N A
Chemnitz,Germany
Summary
Experienced Health Insurance professional with 7+ years of work experience in optimising health insurance business through dedication, and knowledge. Skilled in quickly analysing complex issues by collaborating with cross-functional stakeholders and driving strategic improvements within health insurance operations
Overview
7
7
years of professional experience
1
1
Certification
Work history
Cluster Manager
Muthoot Risk Insurance and Broking Services
04.2024 - 06.2025
- Prepared detailed health insurance quotes, including premium calculations, coverage options, and flexible payment structures, tailored to individual and corporate clients.
- Enhanced work efficiency through a strong understanding of health insurance business products available in various markets.
- Applied comprehensive knowledge of health insurance claims procedures to process and close claims accurately and efficiently, often under tight deadlines.
- Analyzed different health insurance markets based on recent trends to enhance company profitability.
- Facilitated seamless coordination between sales, claims, and underwriting teams to contribute efficient end-to-end insurance process management.
- Gained technical maturity across core insurance processes through hands-on experience in key functions like underwriting, claims, and operations.
- Followed regulatory guidelines for each sales process, ensuring full compliance while maintaining high ethical standards and minimizing operational risks.
Senior Manager
Alliance Insurance Brokers
10.2022 - 01.2024
- Advised clients on optimal health insurance coverage limits based on risk assessments, medical history, and regulatory considerations.
- Created tailored insurance packages for retail and corporate customers to facilitate long-lasting relationships.
- Ensured adherence to health insurance governance standards, and facilitated coordination between internal departments to drive operational efficiency
- Collected quotes from insurers and educated customers on insurance options and quote comparisons.
- Managed and retained High Net Worth individuals and corporate clients by providing personalised health insurance solutions and ongoing support, resulting in high satisfaction and client retention.
- Collaborated with multiple insurance carriers to present competitive policy options and negotiate favorable terms
Sales Manager
Bajaj Allianz General Insurance
05.2018 - 09.2022
- Explained and structured health insurance policies to ensure clients were well-informed, adequately protected, and fully compliant with applicable regulations.
- Increased new client acquisition by proactively following up with previous quotes and lapsed clients.
- Provided post-sale support including claims guidance, policy adjustments, and renewal strategy to building long-term and consultative relationships with clients
- Coordinated with insurance underwriters and operations teams to ensure smooth onboarding and policy issuance processes.
- Monitored changes in health insurance regulations and market trends to ensure timely updates to client policies.
Education
Master’s degree - MBA Insurance Management & Finance
Pondicherry University
Bachelor's degree - B.com Computer Application
Calicut University
Higher Secondary -
Kerala Board of Public Examinations
Matriculation -
Kerala Board of Public Examinations
Skills
- Strong written and spoken communication skills in English
- Adequate understanding of IT tools such as PowerPoint, MS Excel, MS Office for managing corporate processes
- Self organized and takes initiative
- Strong problem-solving skills with a logical and structured approach
- Inquisitive and eager learner with a passion for continuous improvement
- Strong Leadership and team management
Certification
- Certified Composite BQP (Broker Qualified Person): Qualified to operate across multiple lines of insurance, demonstrating regulatory compliance and industry expertise.
- Associateship (AIII), Insurance Institute of India: Advanced knowledge in insurance principles, underwriting, claims management, and regulatory practices.
- Licentiate (LIII), Insurance Institute of India: Foundational certification showcasing core competencies in general insurance operations and practices.
Languages
English
Fluent
German
Intermediate
Timeline
Cluster Manager
Muthoot Risk Insurance and Broking Services
04.2024 - 06.2025
Senior Manager
Alliance Insurance Brokers
10.2022 - 01.2024
Sales Manager
Bajaj Allianz General Insurance
05.2018 - 09.2022
Master’s degree - MBA Insurance Management & Finance
Pondicherry University
Bachelor's degree - B.com Computer Application
Calicut University
Higher Secondary -
Kerala Board of Public Examinations
Matriculation -
Kerala Board of Public Examinations
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