Insurance Adjuster
ほけんさていいん
Industry & Occupation
Classification
- Major : Clerical Occupations
- Middle : Sales and Marketing Clerical Occupations
- Minor : Other Sales and Marketing Clerical Occupations
Summary
Insurance adjusters investigate and review claims based on insurance contracts, assessing contract details and damage situations to determine whether to pay insurance money and the amount.
Description
Insurance adjusters review insurance claims from policyholders or insured persons in accordance with contract policies and laws, evaluating and verifying damage situations. They check documents such as accident reports, estimates, and medical certificates, and conduct on-site investigations or consultations with experts as necessary. They also calculate payment approval and amounts, making the final decision on insurance payouts. In addition to review tasks, they collaborate with internal risk management and sales departments, handle dispute cases, and propose improvements to claims processing.
Future Outlook
While the introduction of AI-based automatic review tools is advancing, the need for adjusters with advanced expertise in complex cases and exceptional judgments is expected to continue.
Personality Traits
Cautious / Logical Thinking / Sincere / Smooth Communication
Work Style
Flexitime / Office Work / Remote / Team Work
Career Path
Assessment Staff → Senior Assessor → Assessment Manager → Risk Management → Department Manager
Required Skills
Damage Assessment / Insurance Policy Knowledge / Investigation Report Preparation / Legal Knowledge / Spreadsheet Software Operation
Recommended Skills
Data Management / Negotiation and Adjustment Skills / Risk Assessment Analysis / Understanding English Documents
Aptitudes (Strengths Preferred)
| Item | Description |
|---|---|
| Analytical & Logical Thinking | Because it requires analyzing contract terms and damage situations to make accurate judgments. |
| Attention to Detail & Accuracy | Because it is necessary to accurately handle the fine details of policy terms without overlooking them. |
| Communication Skills | Because smooth information exchange with the insured and related departments is necessary. |
Aptitudes (Weaknesses Acceptable)
| Item | Description |
|---|---|
| Creativity & Ideation | Because standardized reviews based on established criteria are valued more than creative ideas. |
| Physical Stamina & Endurance | Because it is mainly desk work, and the physical burden is relatively low. |
Aliases
- Adjuster
- Claims Adjuster
Related Jobs
- Insurance Policy Administrator
- Insurance Sales Representative
- Insurance Underwriter
- Risk Analyst