Claims Adjuster - High Net Worth Policies

Placements24; Cape Town; Vor Ort; ZAR 420.000 - 780.000; Vollzeit

Benefits dieser Stelle

Private medical aid

Retirement annuity contributions

Paid annual leave and sick leave

Training and development opportunities

Zusammenfassung

Placements24 is seeking an experienced Claims Adjuster in Cape Town to manage end-to-end processing for high net worth clients. You will investigate, evaluate, and negotiate complex claims with discretion and financial acumen, maintaining excellent client relations.

The role requires a minimum of 4 years in high net worth claims, strong negotiation skills, and proficiency with claims software. Office-based position with opportunities for professional development in a client-focused environment.

Qualifikationen

• Minimum 4 years experience as a Claims Adjuster, focusing on high net worth or complex claims.
• Deep knowledge of luxury property and valuables (homes, art, yachts) insurance.
• Strong analytical, investigative, and negotiation skills.
• Excellent communication, interpersonal, and client management abilities.
• Proficiency with claims software and standard office tools.

Aufgaben

• Investigate, assess and validate high net worth claims with accurate information.
• Review policy wordings to determine coverage and exclusions.
• Liaise with policyholders, loss adjusters, legal professionals and other parties.
• Negotiate settlements within delegated authority, ensuring fairness and compliance.
• Manage a portfolio of complex claims with timely updates to management and clients.
• Identify fraud indicators and escalate as per protocols.
• Provide empathetic guidance to policyholders throughout the process.
• Stay informed on industry practices and regulatory changes affecting claims.

Kenntnisse

Claims adjustment

Negotiation

Analytical thinking

Client management

Communication

Ausbildung

Degree in insurance or related field

Tools

Claims management software

Jobbeschreibung

About the Role

Our client is seeking a meticulous and experienced Claims Adjuster to manage the end-to-end processing of claims for high net worth individuals and their assets. Based in the beautiful city of Cape Town, Western Cape, this role demands a high level of discretion, empathy, and financial acumen. You will be responsible for investigating, evaluating, and negotiating complex claims, ensuring fair and timely settlements while upholding the company's reputation for excellence. This is a demanding yet rewarding position that requires a deep understanding of specialist insurance policies and a commitment to providing exceptional client service. The successful candidate will operate primarily from our Cape Town, Western Cape office, engaging directly with clients and stakeholders throughout the claims process.

Key Responsibilities

• Investigate, assess, and validate claims made under high net worth insurance policies, ensuring accuracy and completeness of information.
• Conduct thorough reviews of policy wordings, correspondence, and supporting documentation to determine coverage.
• Liaise directly with policyholders, loss adjusters, legal professionals, and other relevant parties to gather information and facilitate claim resolution.
• Negotiate settlements within authority limits, ensuring fairness and compliance with policy terms and regulatory standards.
• Manage a portfolio of complex claims, maintaining accurate records and providing regular updates to management and clients.
• Identify potential fraud indicators and escalation suspicious claims for further investigation as per company protocols.
• Provide expert advice and guidance to policyholders throughout the claims process, demonstrating empathy and professionalism.
• Stay abreast of industry best practices, market trends, and legislative changes affecting claims management in Cape Town, Western Cape.

Requirements

• Proven experience (minimum 4 years) as a Claims Adjuster, specifically dealing with high net worth or complex insurance claims.
• In-depth knowledge of various insurance products relevant to affluent clients (e.g., luxury homes, fine art, valuable collections, superyachts).
• Strong analytical, investigative, and negotiation skills.
• Excellent communication, interpersonal, and client management skills, with a high degree of empathy and tact.
• Proficiency in claims management software and standard office applications.
• A relevant degree or professional qualification in insurance or a related field is advantageous.
• Understanding of relevant South African insurance legislation and compliance requirements.
• Ability to work independently and manage a demanding workload from our Cape Town, Western Cape office.

Benefits

• Competitive annual salary commensurate with experience.
• Potential for performance-based incentives.
• Comprehensive private medical aid cover.
• Generous contributions to a retirement annuity fund.
• Paid annual leave and sick leave benefits.
• Opportunities for specialized training and professional development in the insurance claims field.
• A professional and client-focused working environment in Cape Town, Western Cape.