Harini Gopal

Medical professional with MD and BHMS qualifications and nearly 2 years of experience in Health Underwriting at ICICI Lombard. Experienced in medical risk assessment, policy evaluation, tele-medicals, and underwriting decision-making. Strong clinical background combined with analytical and stakeholder management skills. Proven ability to assess complex medical cases, maintain compliance standards, and support efficient underwriting operations.

Senior Manager, health management in underwriting - ICICI Lombard

(2022-07 - 2024-04)

• Led a team of junior underwriters, providing guidance and training to improve risk assessment accuracy and underwriting quality.
• Managed end-to-end health underwriting processes, including medical evaluation, risk analysis, and policy issuance.
• Assessed complex medical cases and determined appropriate underwriting decisions in line with company guidelines.
• Conducted tele-medical evaluations and directly interacted with customers to gather critical health information.
• Collaborated with relationship managers to evaluate proposals and support policy acquisition with accurate risk insights.
• Communicated professionally with high-value clients via email and calls, ensuring clarity, trust, and customer satisfaction.
• Ensured compliance with underwriting standards, regulatory requirements, and internal risk policies.
• Played a key role in improving team efficiency and maintaining turnaround time for policy issuance.

Intern - HOMEOGENESIS - Homoeogenesis Global Super Speciality Homoeopathy Clinics

(2018-12 - 2021-10)

• Conducted detailed case-taking by gathering comprehensive patient histories, including medical, lifestyle, and family background.
• Analyzed patient symptoms and risk factors, and presented case insights to the supervising physician for evaluation.
• Assisted in identifying appropriate homoeopathic remedies based on individualized patient assessments.
• Collaborated closely with Dr. Srikanth Pilli, gaining hands-on experience in clinical decision-making and patient-centered care.
• Developed strong skills in patient communication, diagnostic analysis, and holistic treatment planning.

Medical Professional (Internship) - Devs Homoeopathic Medical College and Hospital

(2021-02 - 2022-02)

Worked at Devs medical hospital under department of medicine, surgery, gynaecology and obstetrics. Worked at the Primary health centre, Keesara under the social and preventive medicine department. Worked at Thatha hospital as a part of internship.

Doctor of Medicine (Homoeopathy) - Homoeopathy - JIMS HOMOEOPATHIC MEDICAL COLLEGE AND HOSPITAL (2026)

Bachelor of Homoeopathic Medicine and Surgery - Homoeopathy - DEVS HOMOEOPATHIC MEDICAL COLLEGE AND HOSPITAL (2021)

Intermediate - SRI CHAITANYA JUNIOR COLLEGE, ECIL, HYD, BOARD OF INTERMEDIATE-AP (2014)

Secondary School Certificate - BHAVANS SRI RAMAKRISHNA VIDYALAYA, SAINIKPURI, SEC-BAD (2012)