Complex Claims Examiner (GL & Auto Liability )

AIG Insurance Hong Kong Limited; Hong Kong; On-site; HKD 420,000 - 660,000; Full time

Job summary

AIG Insurance Hong Kong Limited is seeking a Complex Claims Examiner to handle Casualty GL and Auto Liability claims of intermediate complexity from initial enquiry through liability analysis and quantum assessment. You will work to resolve claims timely, accurately, and with a strong customer service standard while adhering to regulatory requirements.

Reporting to the Complex Claims Team Manager, the role involves detailed claims handling, coverage determinations, and proactive communication

Qualifications

• Experience with Casualty GL and Auto Liability technical claims.
• Ability to determine coverage and conduct liability analysis.
• Strong negotiation and dispute resolution capabilities.
• Proven time management and diary management skills.
• Ability to communicate clearly with internal and external stakeholders.

Responsibilities

• Handle Casualty GL and Auto Liability claims of intermediate complexity from enquiry to liability analysis and quantum assessment.
• Provide timely, accurate resolutions while mitigating indemnity and expense exposure.
• Communicate developments to key internal and external stakeholders.
• Manage vendor and litigation activities on complex claims within allocated authority.
• Contribute to continuous improvement and adherence to best practice procedures.
• Demonstrate high technical competence in intermediate to high complexity claims.

Skills

Casualty GL knowledge

Auto Liability knowledge

Negotiation skills

Time management

Stakeholder communication

Team collaboration

Job description

Complex Claims Examiner (GL & Auto Liability )

To handle Casualty GL and Auto Liability claims of intermediate complexity from coverage enquiry through legal liability analysis and quantum assessment, to timely and accurate resolution; ensuring mitigation of indemnity and expense exposure while communicating developments and outcomes as necessary to all key internal and external stakeholders. Provide a high standard of customer service and adherence to legal and regulatory requirements.

Key Relationships: Direct reporting line to Complex Claims Team Manager

Duties and Responsibilities:-

1. Functional Responsibilities:

Managing key claims handling enquiry; coverage determination, legal liability analysis and quantum assessment, where appropriate within authority limits and providing a consistently strong standard of customer service

Ensuring effective vendor and litigation management on Complex claims within a personal allocation

Broadening internal / external stakeholder communication where required

Striving for continuous improvement on claim file handling with feedback and support through the Quality Assurance Review processes

Contributing to maintenance of best practice procedures for Casualty GL intermediate to high value Complex claims, consistent with global best practice

Demonstrating a high standard of technical claims competence. Demonstrate a strong standard of competence in handling intermediate to advanced complex claims in Casualty GL

2. Accountabilities:

Timely, accurate and customer focused claim resolution, minimizing indemnity exposure and mitigating vendor and legal expense for claims of medium to high complexity

Consistent proactive claims handling on an ongoing basis (i.e. initial file review, investigations and liability, negotiations and settlement, and litigation management)

Effective communication of key medium to high Complexity claims and Casualty GL portfolio messages to internal stakeholders and external stakeholders

Financial control through consistent reserve and other financial transaction discipline

Accurate and consistent policy interpretation against claims of intermediate to high complexity

Job Requirements:-

Time management – ability to manage & prioritize workload and diary management

Ability to contribute effectively within a team environment

Ability to work with claims stakeholders to effectively direct claims strategy

Participate in client review and Profit Centre meetings

Good specialist knowledge in Casualty GL and Auto Liability technical claims

Policy language skills enabling accurate and consistent policy wording interpretation

A strong knowledge of legal / regulatory and litigation / procedural requirements for their line of business

Some experience in negotiation, mediation, arbitration and ADR skills. Strong experience in negotiating on intermediate to high complex claims and knowledge and experience in mediation, arbitration and Alternative Dispute Resolution

Experience in effectively following up on recommendations from technical claims audits and continuous claim handling improvement