Ramez El Hayek

• Consulted with healthcare professionals on business decisions.
• Produced detailed and relevant reports for use in making business decisions.

• Elaborated for the Company a strategic Expansion Plan especially for Health and Motor business

• Assisted the Hospital to achieve their contracts will all TPA’s Mutual Funds and Insurance Companies

• Elaborated the budget for 2022
• Prepared the study for the new project HDF Santé

• Assisted the hospital administration, especially the financial directorate, in monitoring and improving the performance of patient Admission, Billing, and Collection activities (ABC)
• This included reviewing and streamlining the overall policies and procedures related to ABC activities in cooperation with other relevant departments
• Prepared an action plan for restructuring these activities and presented it to the GM.
• Ensured proper ABC staff rotation, training and capacity building
• Defined relevant KPIs and reporting needs and generated useful and reliable periodical reports
• Discussed the findings of these reports and took appropriate decisions and improvement actions
• Determined the outstanding amounts with all third-party payers and defined an adequate collection plan for these amounts
• Assisted in monitoring and improving hospital revenues by reducing collection discounts and negotiated more appropriate tariffs, terms of payments with third-party payers

• Designed a five years Strategic Plan to re-establish the company as a main market player in Non-Life insurance: P&Land business plan mainly Bancassurance (company owned by IDB Bank)
• Developed SOP with relevant policies and processes
• Streamlined a global organizational restructuring plan addressing the financial, human relations, sales, marketing, and operations aspects
• Designed operational and financial controls and reporting system

• Company Overview: Cairo, Egypt
• Responsible for the P&L of the company and all Non-life technical aspects: Underwriting, Claims and Reinsurance
• Contributed and participated in all General Management duties (details available upon request)
• Handled all aspects of the relationships with BLOM Bank (owner): Five-year business plan, coordination with the actuary, set targets and KPIs and others
• Enhancement of the distribution channel mainly in Bancassurance
• Monitored and updated the training tool, reporting and follow-up for the sales of BLOM Bank
• Maintained the relationships with TPAs, Reinsurers, workshops, and others
• Member of the Executive and Compliance Committees
• Optimized the company’s portfolio
• Created a specific monthly reporting system to take immediate actions
• Cairo, Egypt

• Company Overview: Beirut, Lebanon
• Supervised the operations of the subsidiaries in Egypt and Syria for both the Life and Non-Life companies
• Monitored Top and Bottom Line
• Member of the Executive Committees in the Life and Non-Life companies
• Contributed in the 5 years business plan
• Coordinated between the Life and Non-Life companies
• Reported the activities to the Chairman
• Beirut, Lebanon

• Restructuring, product development, set processes and procedures, training and coaching

• Branch Overview: Beirut, Lebanon
• Responsible for the P&L of the Branch and all non-life technical aspects: Underwriting, Claims, Accounting,...
• Monitored Top and Bottom Line
• Responsible for leading and directing employees, overseeing all administrative functions.

In charge of the Top & Bottom line results with 90 co-workers

• Health: US $ 31M / Life: US $30 M / Non-Life (Non-Medical): US $ 33M
• Contributed in the budget setting and the P&L of the company
• Supervised the departments: Corporate and Individual Life, Health and Non-Life: Claims, Underwriting, Bancassurance and Product Development
• Member of the team for the acquisition of companies in Lebanon, Kuwait and KSA
• Maintained the relationship with key customers
• Ensured that the group strategy is well communicated and applied at all levels
• Piloted the relation with NextCare as well all the integration of the Health portfolio at the said TPA
• Member of the Executive Committee of NextCare

• Company Overview: Beirut, Lebanon
• Beirut, Lebanon

• Helped in the achievement of the technical results specially for the Health & Motor claims
• Supervised therelationship between the company and third parties (hospitals, workshops, physicians, etc…)

• Supervised the underwriting of Life, Health and Personal Accident business
• Responsible for the development of multiple Regional and local Life & Health Insurance Plan

• Lead a team of 15 people in underwriting, administration, and management of individual mass products (Life, Health and P&C)