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insurance-claims-handler/references/skills.md
2026-08-14 18:25:14 +02:00

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# Competences — insurance claims handler
Source: ESCO v1.2.1 occupation-skill relations (http://data.europa.eu/esco/occupation/01a83071-6533-4675-b2da-f0c6d02669f5).
## Essential
- **actuarial science** (knowledge)
- **analyse claim files** (skill/competence)
- **apply technical communication skills** (skill/competence)
- **calculate compensation payments** (skill/competence)
- **claims procedures** (knowledge)
- **classify insurance claims** (skill/competence)
- **communicate with beneficiaries** (skill/competence)
- **fraud detection** (knowledge)
- **handle incoming insurance claims** (skill/competence)
- **insurance law** (knowledge)
- **interview insurance claimants** (skill/competence)
- **maintain records of financial transactions** (skill/competence)
- **manage claim files** (skill/competence)
- **organise a damage assessment** (skill/competence)
- **principles of insurance** (knowledge)
- **provide financial product information** (skill/competence)
- **review insurance process** (skill/competence)
- **synthesise financial information** (skill/competence)
- **types of insurance** (knowledge)
## Optional
- analyse financial risk (skill/competence)
- apply statistical analysis techniques (skill/competence)
- assess coverage possibilities (skill/competence)
- decide on insurance applications (skill/competence)
- ensure cross-department cooperation (skill/competence)
- estimate damage (skill/competence)
- handle customer complaints (skill/competence)
- handle financial disputes (skill/competence)
- handle financial transactions (skill/competence)
- insurance market (knowledge)
- manage claims process (skill/competence)
- statistics (knowledge)
- trace financial transactions (skill/competence)
<!-- market-evidence -->
## Market evidence (job-ad analysis, 66 ads, as of 2026-07-14)
Share of analyzed job ads mentioning the item (threshold ≥ 20 %). Source: JSearch/Adzuna APIs.
### Hard skills
- claims adjusting — **32 %**
- claims investigation — **26 %**
- disaster recovery — **23 %**
### Methods
- hands-on training — **23 %**
### Responsibilities
- claim investigation — **39 %**
- damage assessment — **30 %**
- loss adjustment — **26 %**
<!-- market-evidence -->