Insurance Claims Officer Āpiha Tono Rīanga

Insurance claims officers decide whether an insurance company will pay out a claim.

Insurance claims officers may do some or all of the following:

  • analyse claims and decide whether they are covered by policy
  • make recommendations for the settlement of claims
  • inform clients if claims are accepted and how they will be allocated
  • organise payments to clients and repair or replacement of lost items
  • make sure all enquiries and payments are dealt with quickly
  • appoint insurance loss adjusters and private investigators when required
  • contact independent experts in case of disputes and attend disputes tribunals.

Useful Experience

Useful experience for insurance claims officers includes other work in the insurance industry – for example, in underwriting or sales.

Work in retail sales, banking, customer service, finance, health and law is also useful.

Personal Qualities

Insurance claims officers need to be:

  • good at listening and able to relate to a wide range of people
  • tactful, patient and calm
  • empathetic and fair
  • good communicators and negotiators
  • good at report writing
  • good at analysing and interpreting information, including legal documents
  • accurate, with an eye for detail
  • organised and able to work under pressure.

Useful Experience

Useful experience for insurance claims officers includes other work in the insurance industry – for example, in underwriting or sales.

Work in retail sales, banking, customer service, finance, health and law is also useful.

Insurance Claims Officers can earn around $45K-$75K per year per year.

Insurance claims officers can progress into supervisory or management roles within insurance companies, or move into other insurance roles such as insurance agent or insurance loss adjuster.

Insurance claims officers may specialise in:

  • general insurance, which includes house and contents, commercial, motor vehicle and marine insurance
  • life insurance, which includes health insurance, disability insurance and superannuation.
Insurance Claims Officer

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