Dr. Adela Osman is the Chief Medical Research Officer for RGA South Africa, responsible for all medical aspects of the claims, underwriting, product development, and pricing functions. She also leads RGA South Africa’s research and development efforts and is a frequent presenter, sharing her expertise through webinars, articles, and other media. As part of the executive team, Dr. Osman regularly engages with clients to support their business objectives. Dr. Osman graduated from the University of Witwatersrand in 2005 with a Bachelor of Medicine and Surgery (MBBCh). After completing her internship and community service, she worked as a Medical Officer in state hospitals before joining a private practice and focusing on family health. After her years in practice, Dr. Osman moved to the insurance industry. Her areas of expertise include claims, medical marketing, underwriting, product development, and consulting with the legal department on medical issues. Dr. Osman has since completed specialized training in disability medicine and impairment with the American Board of Independent Medical Examiners (ABIME). She further expanded her studies with the ABIME by successfully completing medico-legal report writing and court testimony training, which equips her to act as an independent medical examiner and scientific expert witness.