Dr.(Maj) Mukund Kulkarni, Ex-Army veteran, Head Underwriting, Aegon Life
I am Dr (Maj) Mukund Kulkarni, an Ex-Army
veteran and medical doctor with overall 26 yrs of work experience. I have
worked for domains of Insurance, Occupational health, wellness, global capacity
outsourcing, clinical medicine, defence services and academic sectors at a
global level.
Educational
and Professional Journey
With medical graduation from the prestigious
Grant medical college, Mumbai, I also hold a business management credential
from Indian Institute of Management- Ahmedabad. Professionally, after a brief
stunt of academic teaching at Pad Dr D Y Patil medical college; I volunteered
to serve the Indian Army during the Kargil War and continued to serve for 7
years as a Short Service Commissioned medical officer. Post release, I worked
for Reliance Industries, as an occupational health physician at the World’s
largest Oil refinery at Jamnagar, Gujarat, India. Witnessing the growing
Insurance business and the need for ‘Insurance medicine’ expertise, I decided
to join the Indian life & health Insurance sector in 2007. With the initial
stints at reputed brands like IciciPrulife & Tata-Aig Life Insurance,
expanded further to work for the Asian market at Swiss re, a leading reinsurer.
Further; had the opportunity to expand further to serve the World’s biggest
Insurer, AXA and support its businesses in US, North America, Europe, Gulf,
India and other Asian markets. With the passion to bring in tech & data
driven solutions in mortality/morbidity predictions, I worked to bring in
digital underwriting solutions for India’s 1st digital Insurer, Aegon Life
Insurance since more than 3 yrs. till now.
Major
Projects
With the key strength to apply medical
expertise in respective businesses & services to create stakeholder value;
have been lucky to have worked for some innovative and major projects, in my
career till now. Some of them were;
- Establishing field medical centres during active war/counterinsurgency operations for effective & efficient casualty evacuations
- Framework & design of soldier health card to create one stop data repository
- Inter-centre coordination protocols for casualty evacuation/transfers in the ‘golden hour’
- Innovations in Data driven mortality/morbidity risk underwriting practices
- Design & implementation of medical coding & Utilization management tools to improve in-patient cost & value management
- Fraud, Waste & Abuse framework to identify & reduce monetary wastage in healthcare
- Industry first framework of reinsuring government mass health schemes in India.
- Hospital classification framework in terms of quality & clinical Outcomes to derive effective patient value/costs
- New partner business digital integration ideas to improve Insurance distribution
- New age data driven AI models integrations in Underwriting rule engine for faster & better-qualityUnderwriting risks
- Create and implement training module of ‘Health insurance fundamentals’ in the MBA-Healthcare program for Business schools
Areas
of Expertise
An ‘Insurance medicine’ person with key
expertise in tapping & applying evolving medical developments to improve
healthcare, health behaviour, risk management and overall quality of life
across any business domain across geographies.
About
Achievements
A rare & non-traditional professional
journey, challenging status quo, innovation & exploring untapped
opportunities to support solutions towards improving human life values across
relevant businesses has been bottom line of the respective achievements, till
date.
Balancing
Professional and Personal Lives
An un-structured professional journey does
come with challenges in terms of maintaining healthy ‘work life’ balance.
However, a clear understanding of the same with better planning at each
milestone has helped reduce major stresses. Remote/hybrid nature of work did
help plan a better ‘me time’ with minimal work impact. Though there is no
standard solution or common benchmark to this, I believe the key ‘mantra’ is to
be cognisant & price the same in every decision of change!
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