Insurance Claim Work

An insurance claim clerk is responsible for setting claim with the insurance agents. They collect information from those who are insured and work in accordance with the insurance policies. It is a service that is offered by insurance companies, which deals with all the paper work and legal documentation of the claim work. There is only one person who is assigned the role of an insurance claim clerk in any given organization. Their work is more like customer service executives as they are supposed to provide valid information and assistance to their clients. Their work is generally tedious. Firstly, we will be discussing the job responsibilities of an insurance claim clerk. Some of the points are as follows:

• They cross check and measures all details of the claim with the already existing insurance policies
• Considers a lot of factors before giving the insurance money to the clients
• Does ample amount of documentation work and refers to the history and background of the concerned client
• Calculates the pros and cons attached to the insurance money
• Prepares documents and insurance claims reports

The above mentioned points cover the main duties of insurance claim clerks. A few more generic duties are as follows:

• Maintains most of the reports in the computers and does enough amount of data entry work
• Communicates with the customers and keep them updated regarding the progress in the claims work
• Evaluates files and does a thorough research on the client's background
• Organizes the data and the information related to the clients and the associated policies

Now we would like to bring your attention towards the skills required for insurance claim clerks. Some of them are as follows:

• Should be well aware of the insurance policies and laws associated to the claim work
• Should have good concentration levels which would help them to focus on every minute detail
• Should have great organizational skills so that they can keep an account on their previous and present tasks
• Should be have excellent communication skills, which is required when dealing with clients
• Must keep oneself updated with the present financial market scenario

Nature of the Work:

As insurance claim is a clerical job, so the workers have to work in offices. The work environment is the same as any other office, air conditioned, well lit, and comfortable. As your work demands you to work on the computers and sit for long hours at a stretch, you might face health related problems which can worsen over a period of time. They usually have to give 40 hours of work per week and have the liberty to enjoy weekends as offs and other national holidays. In some rare case scenarios, they may have to do overtime at work.

Educational qualification and Training:

As far as the entry level criteria is concerned, a normal high school diploma is enough. For brighter and better options if one has college degree in commerce or in accounts related subjects, then they will stand a better chance in getting a job. Along with the educational background they must read a lot of journals and do valid research in their area of concern.

Salary of insurance claim clerks consists of average figures. It should be enough for you to maintain a decent lifestyle, but will not suffice if you have set big dreams for yourself.

The job profile of insurance claim workers is not as interesting as some of the other job profiles in the same sector and is always tedious in terms of documentation and paper work. Especially, those who are working as clerks, do not have an appealing career graph. But those who are working at higher level in the hierarchy, still stand a better chance as compared to the entry level clerks. According to the survey conducting by BLS, this particular field is neither facing any employment crisis nor have any bright future prospects. Think wisely before you make a career decision. We believe that this information has served your purpose.