USACares Jobs

Job Information

Cigna Risk and Underwriting Senior Analyst in Antwerp, Belgium

What does Cigna do?

Cigna provides health insurance services around the world. We’re passionate about helping people improve their health, well-being, and sense of security. We started over 200 years ago and we continued to innovate and expand ever since. At Cigna Health Benefits we focus on the unique needs of Intergovernmental (IGO) and Nongovernmental (NGO) organisations, as well as the needs of multinationals in Europe.

You can find out more about the company at

What makes Cigna different from other employers?

We go further than just paying insurance claims. Solid customer relationships are our main goal. We also strongly believe in business ethics and continually strive to be cleaner, greener, and respectful of all. We owe our success to the talent and dedication of our team. They’re the ones who make a difference in our customers’ lives. So we know that it’s important to go the extra mile for our employees. We make sure they have a good work-life balance and we offer many initiatives for health and well-being.

Job description

The Risk and Underwriting Senior Analyst delivers professional activities focusing on his/her own book of business. There will be a smaller focus on using manual raters. Your main focus will be to discuss the performance of your contracts with the respective client managers. Preparing all your renewals using our experience based tools will allow you to become an expert in using these tools for all types of risks (medical, LPS...). You are responsible for the profitability of your own book of business. Doing your job as a Risk and Underwriting Senior Analyst helps you to provide in depth professional advice to clients and client management. You will also perform claims analysis as part of our risk assessment. You challenge client and sales managers in their questions. Because you are an expert in the underwriting tools you support the pricing actuary and underwriting manager in improving these tools to facilitate and improve the quality of work.

Your Role

  • You will be part of the underwriting team and perform peer review work

  • You review insurance contract for annual renewal

  • Work together with the rest of the underwriting team to prepare:

  • Reinsurance reporting

  • Manual quotes

  • Experience raters for SME contracts

  • Calculating benefit differentials

  • Ownership of your own book of business (medical, life, disability and accident)

  • Annual renewal

  • Profitability and pricing

  • Growth of existing business (requests for additional cover)

  • Full contact with client mgt, answering/challenging questions/requests

  • You perform case-specific risk assessments on new clients in close collaboration with Sales and Client Management

  • Support underwriting manager for preparation underwriting leadership meetings using case specific and book of business knowledge.

  • Active participation in underwriting team meetings, sharing best practices

  • Improving underwriting tools in cooperation with your underwriting manager and the actuarial team

  • Work independently

Key Requirements

  • You have a master or bachelor degree (Maths, Finance, Economy) or similar through experience.

  • You have ideally 3 years of experience in an analytical role. Experience in underwriting is an asset.

  • You are fluent in English, preferably in Dutch as well and have a passive knowledge of French

  • You have strong analytical skills

  • You are a good communicator and negotiator

  • You are a problem solver

  • You can work independently

  • You have strong reporting skills

  • You have a good knowledge of MS Office (Access, Excel).

Cigna can offer you…

  • A challenging job in an international and diverse context

  • ‘Happy You’: health and wellbeing initiatives, flexible hours, home working opportunities

  • A dynamic international team, team leaders who train you patiently and a team manager who makes time for you

  • An attractive salary and extra-legal benefits

About Cigna

Cigna Corporation (NYSE: CI) is a global health service company dedicated to improving the health, well-being and peace of mind of those we serve. We offer an integrated suite of health services through Cigna, Express Scripts, and our affiliates including medical, dental, behavioral health, pharmacy, vision, supplemental benefits, and other related products. Together, with our 74,000 employees worldwide, we aspire to transform health services, making them more affordable and accessible to millions. Through our unmatched expertise, bold action, fresh ideas and an unwavering commitment to patient-centered care, we are a force of health services innovation.

When you work with Cigna, you’ll enjoy meaningful career experiences that enrich people’s lives while working together to make the world healthier place. What difference will you make? To see our culture in action, search #TeamCigna on Instagram.