AIA Next Gen Underwriting Graduate Programme

Where Your Health Science Expertise Meet Purpose

At AIA, we believe underwriting is more than assessing risk - it is a calling to understand people, their health journeys, and the decisions that shape their future. 

If you're passionate about health science and motivated to make a real impact on people's lives, the AIA Next Gen Underwriting Graduate Programme opens the door to a meaningful, future-ready career where your knowledge becomes a force for protection.

Why Underwriting at AIA

Underwriting today is dynamic, data driven, and deeply connected to the world of digital transformation. As an AIA Next Gen Underwriter, you will:

  • Shape high quality decisions that protect families and communities
  • Leverage technology, AI tools, and predictive analytics
  • Collaborate across teams in medical, risk, product, and digital functions
  • Build a career in a respected profession at one of Asia Pacific’s most established insurers

You’re not just starting a job — you’re building a career with purpose.

Programme Overview

The 15‑month AIA Next Gen Underwriting Graduate Programme is designed to accelerate your development into a purpose‑driven underwriting professional. Through structured training, hands‑on experience, and personalised mentoring, you will build the technical expertise, behavioural strengths, and strategic mindset needed to succeed in the future of underwriting. 

What You Can Expect:

  • Progress through the Programme’s promotion milestones and advance into the next role, moving forward in your career with clarity and momentum
  • Apply your medical knowledge to real underwriting scenarios and decision making
  • Build a professional network across the organisation through cross functional exposure
  • Access to structured career growth pathways within AIA
  • Master core life and health underwriting concepts through hands on learning
  • Strengthen your decision making and analytical skills in a real business environment

Take a sneak peek at your 15‑Month Journey

1

Orientation

Get onboarded through workplace immersion, a buddy system, and foundational business context learning

2

Core Underwriting Training

Learn medical fundamentals, underwriting logic, and risk assessment frameworks

3

Real‑Case Underwriting Exposure

Work on actual underwriting cases under supervision, progressing towards your authority level

4

Cross‑Functional Rotations

Gain exposure to Policy Servicing, Claims, and other support teams

5

On-the-Ground Experience

Shadow senior underwriters to understand customer needs and real life scenarios

6

Business Project Exposure

Participate in underwriting clinics, GenAI pilots, analytics initiatives, and roadshows

7

Authority Certification

Build confidence and earn your underwriting authority certification

8

Showcase Day

Demonstrate your growth, insights, and contributions at the end of the Programme

Who We're Looking For

We welcome graduates and early career professionals who are curious, motivated, and eager to apply their health science knowledge in a real-world business environment. 

What Will Help You Thrive in This Programme

  • Bachelor’s degree in a health related discipline such as Medical Science, Biomedical Science, Nursing, Pharmacy, Allied Health, or Life Sciences
  • Candidates from other relevant science or health related disciplines may also be considered

  • Minimum CGPA 3.0, or equivalent (Second Class Upper or WAM 70% and above)

  • Fresh graduates or candidates with up to 1 year of relevant working experience
  • No prior insurance or underwriting experience is required, as training will be provided as part of the Programme

  • Strong command of English, both written and spoken, to support effective communication and collaboration

  • Strong analytical and problem solving skills
  • Comfortable working with digital tools and adapting to new systems
  • Able to communicate clearly and work with different stakeholders
  • Demonstrates learning agility, resilience, and a growth mindset

If you are passionate about learning and interested in building a future in underwriting, we encourage you to apply even if you do not meet every requirement listed above.

Steps to Build a Career at AIA

We aim to make your application journey meaningful, transparent and engaging. Here's what you can expect as you progress* through the selection stages. Applications open from March 2026. 

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Step 1

Application Submission

Directly apply through LinkedIn

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Step 2

Pre‑Recorded Video Interview & Written Statement

Submit video responses related to your motivation for the role, your problem-solving skills, and an example of explaining a scientific concept to someone without that background. Submit a written statement of not more than 300 words. 

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Step 3

Personality Test

You will be invited to complete a personality assessment for us to understand your strength and potential

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Step 4

Assessment Day

Attend the assessment day featuring an underwriting case study, knowledge test and individual interview

*Candidates will be evaluated at each stage of the process and will be informed upon successful progression

For further queries, please email to my.careers@aia.com