Medical Officer

2 weeks ago


Vadodara, India Nucleon Health Full time

Job Title: Medical Officer / TPA Doctor Reporting To: CFO Job Purpose: To evaluate, process, and approve health insurance claims, provide medical opinions, and ensure compliance with policy terms, medical guidelines, and regulatory standards for the TPA. Key Responsibilities: Claims & Pre-Authorization: - Review and process cashless pre-authorization requests from network hospitals. - Assess medical necessity, diagnosis, treatment plans, and estimated costs. - Approve, query, or deny requests as per policy terms and medical protocols. - Review final bills and discharge summaries for claim settlement. Medical Evaluation: - Provide medical opinions on hospitalization, procedures, and length of stay. - Identify non-admissible expenses and policy exclusions. - Ensure adherence to standard treatment guidelines (STGs). Coordination & Communication: - Coordinate with network hospitals, treating doctors, and TPA operations teams. - Clarify medical queries with hospitals for claim processing. - Support customer service teams for medical escalations. Compliance & Documentation: - Ensure compliance with IRDAI guidelines, insurer policies, and internal SOPs. - Maintain proper medical documentation and audit trails. - Support internal and external audits. Quality & Fraud Control: - Assist in fraud detection, abuse, and overbilling cases. - Flag suspicious or high-risk claims for investigation. - Participate in claim quality reviews and process improvements. Qualifications: - MBBS, BHMS, BAMS - Valid Medical Council registration (NMC / State Medical Council) Experience: - 1–5 years of clinical or TPA/insurance experience - Experience in claims processing / pre-authorization is an advantage - Fresh MBBS candidates may be considered for junior roles Skills & Competencies: - Strong knowledge of clinical protocols and medical terminology - Understanding of health insurance policies and claim processes - Good analytical and decision-making skills - Excellent communication and documentation skills - Basic computer knowledge (HIS, TPA portals, MS Office) Work Environment: - Office-based / Hybrid (as per company policy) - Rotational shifts may apply Key Performance Indicators (KPIs): - Claim turnaround time (TAT) - Accuracy of medical decisions - Compliance and audit scores - Quality of documentation


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