Health Insurance Subject Matter Expert (Fully Remote)

CoverGo is a leading global no-code insurance platform focused on health, life, and property & casualty insurance. Our mission is to empower insurance companies to make coverage 100% digital and accessible to everyone.

• Winner of the Insurtech of the Year in Asia and various global awards
• Works with enterprise clients such as AXA, Bupa, MSIG, Dai‑ichi, Bank of China Group Insurance, and many more
• International, diverse team of over 120 people with 30 nationalities, all working remotely
• Fully funded and backed by reputable VC funds and strategic institutional investors
• Global presence in Asia, EMEA, and the Americas
• 30x revenue growth since January 2021

What You'll Do

We are seeking a highly experienced Health Insurance Subject Matter Expert (SME) who has lived and breathed insurance operations and is ready to help transform the industry through technology. They will think in systems, challenge the status quo, and translate years of operational expertise into intelligent product features, automation logic, and scalable workflows.

What We Need

• Domain expertise & product collaboration
• Support the product team throughout the feature development lifecycle with deep health insurance expertise and operational insight
• Translate end-to-end health insurance processes—underwriting, policy administration, claims, renewals, billing—into clear product requirements and functional documentation
• Validate and define business rules, decision engines, and workflow logic to ensure all outputs are accurate, compliant, and usable in real-world scenarios
• Participate actively in User Acceptance Testing (UAT) to validate functionality, workflows, and business logic
• Design for maximum Straight‑Through Processing (STP) across product flows—minimizing manual intervention through intelligent system design
• Define automation rules, decisioning frameworks, and exception handling flows that reflect real-world insurance operations
• Embed compliance & risk into product by translating regulatory and policy requirements into system logic and features
• Conduct market and competitor research to identify feature gaps, best practices, and emerging trends in global health insurance
• Act as the bridge between Product, Engineering, and Business teams—translating business needs into product requirements and technical execution
• Contribute to product roadmap discussions and prioritisation from a health insurance perspective
• Engage with internal and external stakeholders, including clients, partners, and insurers, to gather feedback and validate product direction
• Support GTM, sales, and pre‑sales efforts with deep functional expertise when needed
• 12+ years of experience in the insurance industry, with strong exposure to end‑to‑end insurance operations
• At least 5 years of hands‑on experience in health insurance with deep understanding of the full health insurance lifecycle
• Experience across 2 or more health insurance functions: product setup, underwriting, pricing, policy administration, endorsements, billing, claims, or renewals
• Experience working cross‑functionally with product, technology, and business teams in a fast‑paced environment
• Hands‑on, results‑oriented, and passionate about translating domain knowledge into real product features
• Systems thinker with a natural ability to understand how processes connect, where automation can replace manual work, and how rules translate into logic
• Critical, analytical, forward‑thinking, and innovative—able to identify gaps others miss and propose solutions, not just observations
• Strong verbal and written communication skills—able to explain complex insurance concepts to technical and non‑technical audiences alike
• Demonstrated client‑facing capability to handle clients and stakeholders confidently, even without formal sales experience

Nice‑to‑have (other advantages)

• Experience with other lines of business such as life and/or P&C insurance
• Chartered Insurance Institute (CII) Certificate in Insurance or equivalent
• Technology‑savvy—worked on digital transformation initiatives or has exposure to insurance systems. Insurtech experience as SME/Consultant is a strong plus
• Exposure to multiple markets or global health insurance products

Benefits

• Fully remote
• Flexible leave
• International environment
• Competitive remuneration package
• Performance bonus
• Company activities and events
• Learning and development plan
• Remote work allowance

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