Application
This unit applies to job roles involving insurance claims in a range of insurance sectors and may be applied within organisations of various sizes and across a range of customer bases. |
Elements and Performance Criteria
ELEMENT | PERFORMANCE CRITERIA |
1. Receive notification of claim | 1.1. Customer is advised of claims procedure 1.2. Customer is given comprehensive information on the organisation claims procedure, how to make a claim, and any forms required for claim are sent to customer 1.3. Customer queries are answered clearly and accurately |
2. Receive claim | 2.1. New claims advice is checked to verify correct policy detail 2.2. Claims records are checked to ensure that the claim has not been registered previously |
3. Record/register claim | 3.1. Claims data is accurately entered and claims are registered in accordance with organisation procedures and level of authority 3.2. Where necessary government authorities are notified in the correct format |
4. Estimate a claims reserve, including reinsurance as appropriate | 4.1. A preliminary reserve/estimate is calculated, where appropriate, according to organisation reserving policy 4.2. For a routine claim, a determination may be made on acceptance or referral of claim in accordance with organisation policy and procedures 4.3. Need for internal or external service providers is identified, if appropriate 4.4. Policy is checked for reinsurance details, if applicable 4.5. Reinsurers are advised of potential claim, if applicable, by raising reinsurance advice 4.6. Potential impact of the claim on the premium is reported as required |
5. Create claim files or add information to existing files | 5.1. Correspondence is filed in correct claims files and allocated to relevant claims operatives 5.2. All missing information, abnormalities or classification uncertainties are referred according to organisation policy 5.3. An appropriate date is entered into diary system, where necessary 5.4. All information is completed accurately and clearly, and in accordance with legislative and organisation requirements 5.5. Completed documentation is filed or referred for processing if appropriate |
Required Skills
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Required skills |
communication skills to: determine and confirm information, using questioning and active listening as required relate to customers liaise with others, share information, listen and understand use language and concepts appropriate to cultural differences numeracy and IT skills to: perform calculations related to achieving required outcomes use computer applications (word processing, spreadsheet, database, specific purpose computer systems) to assist in achieving required outcomes access and update records electronically access web-based information services literacy skills to read and interpret documentation from a variety of sources and record and consolidate relevant related information research and analysis skills for accessing and interpreting relevant information organisational skills, including the ability to plan and sequence work |
Required knowledge |
IT and communications systems organisation and industry sector policy wording principles and methods of filing product knowledge, including any conditions and terms of reinsurance relevant legislation and regulations, organisation policy and procedures, underwriting guidelines and authorities |
Evidence Required
The Evidence Guide provides advice on assessment and must be read in conjunction with the performance criteria, required skills and knowledge, range statement and the Assessment Guidelines for the Training Package. | |
Overview of assessment | |
Critical aspects for assessment and evidence required to demonstrate competency in this unit | Evidence of the ability to: fully comply with organisation operating procedures, legislative requirements and industry codes of practice use accuracy and attention to detail and thorough checking of data. |
Context of and specific resources for assessment | Assessment must ensure: competency is demonstrated in the context of the work environment and conditions specified in the range statement either in a relevant workplace or a closely simulated work environment access to and the use of a range of common office equipment, technology, software and consumables access to organisation records access to organisation policies and procedures. |
Method of assessment | A range of assessment methods should be used to assess practical skills and knowledge. The following examples, in combination, are appropriate for this unit: evaluating an integrated activity, which combines the elements of competency for the unit, or a cluster of related units of competency observing processes and procedures in workplaces verbal or written questioning on underpinning knowledge and skills evaluating samples of work accessing and validating third party reports. |
Guidance information for assessment |
Range Statement
The range statement relates to the unit of competency as a whole. It allows for different work environments and situations that may affect performance. Bold italicised wording, if used in the performance criteria, is detailed below. Essential operating conditions that may be present with training and assessment (depending on the work situation, needs of the candidate, accessibility of the item, and local industry and regional contexts) may also be included. | |
Claims checking involves: | manual checklists or through data entry validation on computer systems and may include: previous payment to claimant claim has been sent to the wrong insurer liability has not been accepted. |
Entering claims data may include: | coding according to organisation requirements (entering statistical data). |
Registering claims may involve: | entering claims reserve/estimate identifying interested parties identifying reinsurance involvement linking to relative policy observing limits to authority level recording in system. |
Organisation procedures may include: | correspondence presentation initiation of new claims and processing of claims security procedures. |
Authorities may include: | a written policy and procedures manuals that define the level of authority to make decisions on claims within the organisation guidelines/procedures relating to injury management and use of service providers. |
Systems may be: | computerised, with record updating by electronic or manual data recording. |
Service providers may include | accountants assessors auditors engineers investigators medical advisers private investigators surveyors others as required. |
If reinsurance is identified: | check specific treaty and/or facultative coverage for catastrophic claims and allocate internal category code. |
Reinsurance advice may include: | notifying the reinsurer of potential claim (if appropriate) by raising a credit/debit note. |
Legislative and organisational requirements may include: | Health and Other Services (Compensation) Act industrial relations legislation Privacy Act social security legislation State and Territory workers compensation Acts and regulations taxation legislation. |
Sectors
Unit sector | Insurance services |
Employability Skills
This unit contains employability skills. |
Licensing Information
Not applicable.