ASHOK SN

At MediBuddy, we are committed to advancing healthcare accessibility and affordability across India, with a particular emphasis on integrating a wide range of healthcare services, from virtual and in-clinic consultations to lab tests, pharmaceutical delivery, and surgical concierge services. Our platform plays a critical role in enhancing healthcare delivery, especially in the corporate, insurance and financial institution sectors. In my capacity, I guide the strategic development and expansion of these services and distribution, leveraging deep experience with payors- life and health (re)insurance companies. Over the last five years, we’ve experienced significant growth, driven by collaborations with payers including insurers. I also participate extensively in mergers, acquisitions, and the incubation of new ventures. A key aspect of my role involves leading MediBuddy's strategic planning process. This includes formulating payer-focused and service oriented business strategies, managing long-term goals, and developing actionable plans that align with our broader vision.

In my capacity as a Strategic, Risk Governance, and COE executive reporting directly to the Global COO, I oversaw underwriting and claims spanning from Europe to APAC, encompassing diverse sectors such as Health, Life, Travel, Accident, and Disability insurance. With the highest binding authority for both underwriting and claims, I was entrusted with critical decision-making responsibilities. Among my notable achievements, I spearheaded a comprehensive claims cost containment initiative targeting the global health markets. Additionally, I assumed the role of interim regional group underwriter for employee health, leveraging my expertise to optimize risk assessment and management strategies. Collaborating closely with the Global COO, I contributed to strategic endeavors aimed at refining our operating model and addressing annual commitment challenges. These initiatives reflect my commitment to driving organizational excellence and maximizing operational efficiency on a global scale.

As the Senior Leadership Team member serving as Chief Underwriter & Head of Claims, I oversee pivotal functions including Underwriting, Claims Management, Mortality Experience Management, Fraud Management, Medical Network Management, and Reinsurance Administration, ensuring the seamless operation of critical aspects within the insurance domain. Pioneering innovation within the industry, I introduced the groundbreaking trademark service, InstaClaim, revolutionizing claim settlements with a remarkable one-day turnaround time. This initiative not only elevated customer satisfaction but also set a new standard for efficiency and responsiveness in the insurance sector. Furthermore, my strategic leadership contributed to achieving the best mortality experience in a decade, underscoring our commitment to excellence and risk management practices. My efforts have been recognized through prestigious accolades, including consecutive awards for innovation at the group level for two years running. Additionally, my dedication to quality improvement projects earned recognition as a finalist at the ASQ World Quality Council for two consecutive years, alongside being honored as the best sponsor of quality projects at the group level. These achievements reflect my unwavering dedication to driving innovation, excellence, and quality within the insurance industry.

In India, I held a multifaceted role encompassing business origination, negotiations, and structuring of life and health reinsurance treaties, while concurrently spearheading the organization's development in the Life & Health sector. A key aspect of my responsibilities involved the recruitment and nurturing of talent across actuarial, underwriting, and claims domains. My commitment to the company's success was exemplified by my willingness to be hands-on, whether it meant personally opening doors every morning at 7 a.m. or even laying cables for server infrastructure, demonstrating a dedication that extended beyond conventional boundaries. Within a remarkably brief period of 12 months, I propelled the company to the pinnacle of the reinsurer hierarchy, earning the esteemed title of the most considered reinsurer in the Flaspohler Survey. Subsequently, over the following two years, I facilitated the acquisition of more than half of all new businesses, a testament to our strategic prowess and market leadership under my stewardship. Transitioning to the role of Regional Client Manager, I navigated dynamic markets across South and Southeast Asia- Malaysia, Singapore, Thailand, Vietnam, Sri Lanka, Nepal, Indonesia, and other high-growth regions. Concurrently, as the Head of Business Development and Senior Project Manager for 'U for Life,' I played a pivotal role in establishing the pioneering online insurance distribution company in Malaysia. My expertise as a Client Manager and Product Specialist extended to shaping underwriting and claims strategies, providing technical training, and spearheading the design and implementation of National Insurance Schemes for both life and health sectors. Additionally, my involvement in various global innovation and research groups at Hannover Re. As an individual contributor, I authored numerous white papers and position papers on inclusive coverage, disease-specific insurance solutions, and strategic investment insights

Risk Management ( Underwriting & Claims) Led a team of Underwriting and Claims professionals- medical and management background Health Insurance- Product Development, Underwriting and Claims Technical Training Group underwriting

Business Development Risk Management-Underwriting/Claims Treaty and Reinsurance proposals Health Insurance-Product Underwriting and Claims Markets:India and SEA

Risk Management (Underwriting) Mentor Technical Training

CADRAT, Indfrag Bioscience, Human Biologicals, Pharmacology, Toxicology, Neuroscience, Vaccine/Immunology

GATE qualified -98 and 2000

Dropped out to solve the financing side of health care delivery