Divya Tummanepalli
Senior Medical Underwriter | Clinical Physiotherapist
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About
Results-driven clinical professional with 11+ years of dual expertise in hospital-based physiotherapy and medical underwriting within the insurance sector. Recognised for clinical precision across orthopedics, rheumatology, ICU, oncology, and gynaecology — and for translating that expertise into rigorous, audit-ready underwriting decisions. Holds a Master of Physiotherapy (Orthopedics), is a Registered Physiotherapist in Telangana, and is certified in Myofascial Release, Critical Care Physiotherapy, and Orthopedic Manual Therapy.
Awarded 'Best in Accuracy' at ICICI Lombard for consistently outstanding risk evaluation in high-volume case environments. Combines rare clinical depth with a meticulous compliance mindset — an asset for any insurer, reinsurer, or TPA seeking senior underwriting talent.
Experience
Senior Manager – Retail Medical Underwriting - ICICI Lombard General Insurance - Hyderabad, India
(2024-12)
- Review and analyse medical records, diagnostic reports, lab investigations, and clinical histories to deliver accurate, well-reasoned underwriting decisions on retail health insurance proposals.
- Lead Pre-Existing Disease (PED) evaluations — identifying undisclosed or ambiguous conditions that affect policy terms, risk loading, and exclusion clauses.
- Apply deep clinical knowledge to assess complex cases involving musculoskeletal, rheumatological, surgical, and chronic disease presentations.
- Manage the full case lifecycle from intake and evaluation through to final decision, maintaining thorough, audit-ready documentation in compliance with IRDAI and organisational standards.
- Identify discrepancies in clinical documentation and initiate structured clarifications to ensure decisions are based on complete and verified information.
- Collaborate with underwriting and business teams to deliver decisions within TAT and quality benchmarks.
- Recipient of the 'Best in Accuracy' Award for sustained excellence across a high-volume underwriting environment.
Senior Physiotherapist – Orthopedics & Multidisciplinary Care - KIMS Hospitals (Krishna Institute of Medical Sciences) - Secunderabad, Telangana
(2015-01 - 2024-11)
Orthopedics & Musculoskeletal
- Conducted comprehensive clinical assessments and designed individualised treatment plans for fractures, post-surgical conditions, degenerative joint disorders, and sports injuries.
- Administered therapeutic modalities — Ultrasound, IFT, TENS, Muscle Stimulation — to manage pain and facilitate neuromuscular recovery.
- Planned active and passive ROM programmes, muscle re-education, and functional rehabilitation using Therabands, weighted cuffs, and resistance equipment.
- Interpreted diagnostic imaging (X-ray, MRI, CT) and aligned physiotherapy interventions with surgical and medical management plans.
Senior Physiotherapist – Orthopedics & Multidisciplinary Care - KIMS Hospitals (Krishna Institute of Medical Sciences) - Secunderabad, Telangana
(2015-01 - 2024-11)
Rheumatology
- Applied DAS28 (Disease Activity Score in 28 joints) to monitor inflammatory arthritis disease activity.
- Designed and delivered structured rehabilitation for Ankylosing Spondylitis — spinal mobility, postural correction, breathing techniques, and stage-appropriate functional recovery.
Senior Physiotherapist – Orthopedics & Multidisciplinary Care - KIMS Hospitals (Krishna Institute of Medical Sciences) - Secunderabad, Telangana
(2015-01 - 2024-11)
ICU & Critical Care
- Provided ICU physiotherapy including early mobilisation, respiratory physiotherapy, airway clearance, and progressive functional recovery for critically ill and ventilator-dependent patients.
Senior Physiotherapist – Orthopedics & Multidisciplinary Care - KIMS Hospitals (Krishna Institute of Medical Sciences) - Secunderabad, Telangana
(2015-01 - 2024-11)
Oncology, Gynaecology & General Medicine
- Supported oncology patients through treatment-related deconditioning, fatigue management, and post-operative rehabilitation.
- Delivered pelvic floor physiotherapy and post-operative recovery following obstetric and gynaecological procedures.
- Managed complex general medicine cases across multiple departments with adaptive clinical approaches.
Senior Physiotherapist – Orthopedics & Multidisciplinary Care - KIMS Hospitals (Krishna Institute of Medical Sciences) - Secunderabad, Telangana
(2015-01 - 2024-11)
Leadership, Documentation & Quality
- Maintained accurate, auditable clinical records across all specialties — treatment responses, prognosis notes, and progress documentation.
- Mentored junior physiotherapists and contributed to departmental training on clinical assessment and documentation standards.
- Served as Internal Quality Auditor during hospital quality audits, ensuring departmental compliance with clinical governance standards.
Education
Master of Physiotherapy (MPT) - Orthopedics - Navodaya College of Physiotherapy, Dr. NTR University of Health Sciences (2014)
Bachelor of Physiotherapy (BPT) - KIMS College of Physiotherapy, NTR University of Health Sciences (2012)
