Claims - Manila

Job Description

Position Name: Claims

Location: Philippines

Role Overview:

Basic to intermediate understanding of US P&C Insurance Claims lifecycle, including:

• FNOL, Coverage Verification, Claim Processing
• Subrogation & Recovery (key focus area)
• Document management and claim closure
• Understanding of Subrogation fundamentals, including:
• Identification of third-party liability
• Familiarity with insurance policy structure and claim lifecycle, including:
  • Coverage, deductibles, limits, exclusions
  • Knowledge of basic insurance terms: Premium, Claim, Deductible, Liability
• Strong attention to detail and analytical ability to identify potential recovery opportunities
• Good written and verbal communication skills; ability to work in a team environment

Key Responsibilities:

• Review subrogation demand packages to ensure completeness and accuracy
• Identify and highlight missing documents/data gaps required for recovery processing
• Validate and organize key documents such as:
  • Repair estimates / total loss evaluation
  • Salvage details
  • Rental invoices, towing invoices
  • Prior damage reports
• Perform basic analysis of vehicle loss type (total loss vs repairable vehicle)
• Review and verify cost components in demand package (repairs, rental, towing, etc.)
• Do a deep quality check of team members’ work
• Knowledge of detailed end to end claim lifecycle.

Claims Support Activities

• Review FNOL and claim documents to ensure data completeness
• Perform basic coverage checks as per policy documents
• Highlight missing/incomplete information to claim examiners
• Assist in claim system updates and documentation
• Support claim lifecycle activities till closure

Quality & Reporting

• Adhere to SLAs, TAT, and quality benchmarks
• Assist in client and internal ad-hoc reporting requests

Required Skills & Competencies:

• Basic understanding of:
  • Subrogation & claims lifecycle
  • Liability and recovery concepts
  • Analyse documents with attention to detail
  • Ability to Identify subrogation potential from claim data

Requirements:

• Graduate (Commerce/Insurance preferred)
• Certification in P&C Insurance (AINS/CPCU) – good to have
• Proficient in MS Excel, Word, Outlook