Gareth Ralph
Ashford,Kent
Summary
Knowledgeable professional with keen focus on medical underwriting and risk assessment. With strong analytical and communication skills. Demonstrated ability to interpret complex information and collaborate with cross-functional teams. Capable of driving accurate policy decisions through in-depth analysis and thorough understanding of medical guidelines. Ensured optimal risk management by utilising strong analytical skills and comprehensive knowledge of medical conditions.
Overview
15
15
years of professional experience
2003
2003
years of post-secondary education
Work History
Medical underwriter
AXA Health
Royal Tunbridge Wells, Kent
09.2022 - 12.2024
- Demonstrated strong attention to detail whilst reviewing applications for insurance coverage.
- Managed a high volume of work without compromising quality.
- Collaborated with physicians and nurses for accurate health assessments.
- Conducted detailed research on various illnesses and treatment plans to improve knowledge base.
- Promoted a culture of continuous improvement through proactive problem-solving efforts.
- Communicated with customers to determine policy limits and degree of risk.
- Explained risk coverage premiums and benefits to customers to foster informed decision-making.
- Developed comprehensive reports on applicant's health status for decision-making processes.
- Participated actively in team meetings, contributing constructive feedback.
- Provided expert advice on underwriting policies, improving department performance.
- Participated in training sessions to stay updated with latest industry trends.
- Worked within strict deadlines to ensure prompt service delivery.
- Reviewed medical histories in detail, ensuring accuracy in risk assessment.
Customer complaints handler
AXA Health
Royal Tunbridge Wells, Kent
06.2018 - 09.2022
- Coordinated with various departments to resolve complex issues quickly and smoothly.
- Followed up on resolved complaints to verify satisfaction and maintain relationship with customers.
- Negotiated with customers diplomatically to reach mutually agreeable solutions.
- Adhered strictly to regulatory guidelines during all stages of complaint processing.
- Analysed trends in complaints received, identifying potential areas of improvement in service delivery.
- Provided constructive feedback based on personal experiences on the job which contributed towards policy changes aimed at reducing recurrence of similar issues.
- Used time-management skills to minimise complaint lifecycle and meet regulatory timelines.
- Took initiative in difficult situations, leading to timely problem-solving.
Senior claims advisor
AXA Health
Royal Tunbridge Wells, Kent
01.2014 - 06.2018
- Enhanced customer relationship by providing expert advice and handling complaints professionally.
- Took ownership of escalated issues, ensuring prompt resolution without compromising on quality service.
- Managed difficult situations calmly, leading to favourable outcomes for all parties involved.
- Implemented feedback system for better understanding of client needs and expectations.
- Assisted in team training sessions to improve overall customer service skills.
- Ensured regulatory compliance whilst dealing with customers' insurance claims.
- Adhered strictly to data protection laws whilst handling sensitive client information.
Personal claims advisor
AXA Health
Royal Tunbridge Wells, Kent
01.2010 - 01.2014
- Provided support through the entire claim lifecycle resulting in high client satisfaction rates.
- Improved client retention by providing excellent customer service during the claim process.
- Displayed patience and empathy towards distressed clients during difficult times.
- Adhered strictly to data protection laws whilst handling sensitive client information.
- Utilised company database tools proficiently for tracking and managing claims efficiently.
- Exhibited strong negotiation skills when settling contentious cases, achieved fair outcomes.
- Collaborated with other departments for seamless claim management.
Education
GCSEs - Maths, English, Science
St John Fisher Catholic School
Chatham, KentSkills
- Risk assessment
- Conflict resolution
- Complaint management
- Customer service
- Negotiation techniques
- Underwriting principles
- Medical terminology
- Claims management familiarity
- Data interpreting capability
- IT applications proficiency
- Effective communication
- Discreet information handling
- Empathy in client interaction
- Resilience under pressure
- Critical thinking in assessments
- Regulatory compliance
- Active listening
- Analytical thinking
- Decision-Making
Timeline
Medical underwriter
AXA Health
09.2022 - 12.2024
Customer complaints handler
AXA Health
06.2018 - 09.2022
Senior claims advisor
AXA Health
01.2014 - 06.2018
Personal claims advisor
AXA Health
01.2010 - 01.2014
GCSEs - Maths, English, Science
St John Fisher Catholic School
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