Job Summary
The Non-Life Claims Junior Officer is responsible for supporting the efficient administration, processing, and monitoring of non-life (general insurance) claims. The role ensures that claims are handled promptly, professionally, and in compliance with insurer guidelines and regulatory requirements. The officer will act as a key liaison between clients, insurers, assessors, and internal teams to facilitate smooth claim settlements while maintaining high service standards.
Detailed Key Responsibilities & Duties
Claims Registration & Administration
- Receive claim notifications via email, phone, online portals, or walk-in clients.
- Register all new claims in the claims management system within stipulated timelines.
- Open and maintain accurate physical and electronic claim files.
- Issue claim acknowledgment letters/emails to clients promptly.
- Ensure proper classification of claims by class of insurance (motor, property, marine, liability, engineering, etc.).
Client Advisory & Support
- Explain policy coverage, exclusions, deductibles, and claims procedures to clients.
- Provide clients with clear documentation checklists specific to the type of claim.
- Guide clients on claim form completion and required supporting documents.
- Manage client expectations regarding claim timelines and insurer requirements.
- Maintain regular communication with clients on claim status updates.
Documentation & Compliance
- Review submitted claim documents for completeness and accuracy.
- Verify policy validity, coverage limits, endorsements, and deductibles.
- Ensure claims are reported within policy notification timelines.
- Identify discrepancies or missing documents and follow up promptly.
- Ensure compliance with regulatory requirements and internal claims handling procedures.
- Maintain strict confidentiality of client and claim information.
Liaison & Coordination
- Submit claim documents to insurers within required timelines.
- Coordinate with loss assessors, investigators, repairers, and surveyors.
- Arrange joint inspections where necessary.
- Follow up with insurers for claim approval, queries, and settlement timelines.
- Escalate complex or delayed claims to the Claims Department Supervisor or Manager.
Claims Monitoring & Follow-Up
- Track claims from notification through settlement and closure.
- Maintain a claims diary system to ensure timely follow-ups.
- Follow up on outstanding documentation from clients and third parties.
- Monitor claims turnaround time and ensure minimal delays.
- Provide weekly claims status updates to the supervisor/manager.
Settlement & Recovery Support
- Review insurer settlement offers before communicating to clients.
- Ensure discharge vouchers are properly executed.
- Follow up on payment processing and confirm receipt by clients.
- Assist in recovery and subrogation cases where applicable.
- Support negotiation processes under supervision for disputed or under-settled claims.
Reporting & Record Management
- Prepare monthly claims reports including:
- Claims registered
- Claims outstanding
- Claims settled
- Claims repudiated
- Large loss cases
- Maintain claims statistics and loss ratio data for management review.
- Assist in preparing management presentations and performance summaries.
- Archive closed claim files according to company policy.
Continuous Improvement & Risk Awareness
- Identify recurring claims trends and report risk patterns to management.
- Recommend risk mitigation measures where patterns are identified.
- Participate in internal training sessions on new insurance products and claims procedures.
- Stay updated on changes in insurance regulations and insurer requirements.
- Perform additional tasks assigned by supervisor or department manager