When a policyholder requires the services of their insurer for an emergency, they file a claim with their company. The employee in charge of taking in that claim and seeing it through is the Insurance Claim Handler. They work for insurance companies as part of a Customer Service team. Their job is to take note of the client’s personal information, recall their insurance contract, and provide assistance during the claim process.
Insurance Claim Handlers usually take charge of a case and see that it is properly handled by all the people involved. They often have to contact Insurance Underwriters, Adjusters, and Brokers when they require their expertise in a case. Once a settlement payment is issued, Insurance Claim Handlers verify that it was done properly and that there was no under or overpayment.
In some cases, Insurance Claim Handlers are also required to contact external experts to work on a specific case. They liaise with hospitals, mechanic workshops, Engineers, and other experts whenever they’re needed to asses and work on a claim.
Here’s a non-exhaustive list of common tasks Insurance Claim Handlers are required to complete.
- Assisting clients with claim filing:
- Requesting personal information from the client (e.g. name and contract number);
- recalling policy information from the database;
- verifying that the client has no overdue payments;
- coordinating immediate assistance for the client;
- accepting or rejecting a claim; and
- preparing proper documentation to file a claim.
- Entering claim documentation into the system:
- Opening a new case on the company database;
- contacting Insurance Adjusters and Examiners, as well as liaising with other experts; and
- arranging appointments for Appraisers and Examiners.
- Calculating claim values:
- Estimating the costs of goods, property, or treatments; and
- calculating an estimated settlement cost.
- Contacting people involved with the claim:
- Liaising with Doctors, Mechanics, or Contractors;
- contacting clients when there’s information missing from their files; and
- liaising with other insurance professionals (e.g. Adjusters, Brokers, or Underwriters) when necessary.
- Requesting settlement payment from financing departments:
- Handing payment to the claimer;
- authorizing payments for medical treatments or other services that were necessary; and
- verifying settlement payments to avoid over or underpayment.
- Liaising with hospitals, clinics, contracting firms, and mechanic workshops:
- Authorizing clearance when claimant requires their service; and
- intermediating between clients and experts.
- Receiving calls from claimers about emergencies.
- Assisting clients’ with their immediate needs.
- Collecting information on clients.
- Verifying insurance coverage.
- Liaising with Insurance Brokers, calling on behalf of their clients.
- Contacting the necessary personnel to handle a claim.
- Calculating claim settlement payments.
- Accepting or rejecting claims.
- Verifying settlement payments.
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