claim Officer

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 1. 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.). 2. 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. 3. 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. 4. 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. 5. 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. 6. 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. 7. 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. 8. 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