Chief Medical Officer (CMO) /Medical Practitioner (Doctor)

Role Overview

We are seeking a qualified and experienced Chief Medical Officer (CMO) / Medical Practitioner (Doctor) to support a leading financial services organization's underwriting and medical risk assessment function.

This is a flexible contract opportunity with non-fixed working hours, making it ideal for medical professionals who wish to continue their private practice or other professional commitments while providing specialist medical underwriting support.

Key Responsibilities

  • Review and evaluate medical reports, laboratory results, and supporting documentation submitted for life insurance applications.
  • Assess medical risks and provide expert medical opinions to support underwriting decisions.
  • Advise underwriting teams on medical conditions, prognosis, and associated insurance risks.
  • Review and escalate complex or high-risk medical cases where appropriate.
  • Provide recommendations to support sound underwriting and risk mitigation.
  • Ensure assessments comply with applicable regulatory requirements, clinical standards, and company policies.
  • Work closely with underwriting and risk teams to facilitate informed decision-making.
  • Maintain confidentiality and protect sensitive medical information.
Minimum Requirements
  • MBChB or equivalent medical qualification.
  • Current registration with the Health Professions Council of South Africa (HPCSA).
  • Minimum 5 years' post-community service clinical experience.
  • Experience in life insurance underwriting, insurance medicine, occupational health, or medical risk assessment will be highly advantageous.
  • Excellent analytical, clinical, and decision-making skills.
  • Strong written communication and medical report-writing abilities.
Preferred Skills
  • Life Insurance Medical Underwriting
  • Medical Risk Assessment
  • Clinical Evaluation
  • Medical Report Review
  • Risk Management
  • Regulatory Compliance
  • Stakeholder Collaboration
  • Attention to Detail
  • Professional Ethics
Working Arrangement
  • Contract engagement on an as-needed basis.
  • Flexible, non-fixed working hours.
  • Candidates may continue servicing other insurers or maintain a private practice, provided agreed service levels are met.
Qualifications
  • MBChB (or equivalent Medical Degree).
  • Valid HPCSA registration (mandatory).
  • Additional qualifications in Insurance Medicine, Occupational Health, or related disciplines will be advantageous.
Application Notice Should you not receive any feedback within three (3) weeks of submitting your application, please consider your application unsuccessful.
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