Preview Questions Claims Adjuster | Role Specific Skill

Question 1: Which document management system feature is essential for ensuring the security and confidentiality of sensitive claim documents?

Which action should you take?

Choose only one option

Automatic file deletion after a set period

Unlimited storage capacity

Role-based access control

Public sharing capabilities

Question 2: When drafting a claim report for a loss involving multiple parties, what should be included?

Which action should you take?

Choose only one option

A recommendation for settlement

The statements from the involved parties in chronological order

Personal assessments of each involved party's reliability

A focus only on the policyholder's information

Question 3: How do you manage negotiations when there is a significant information asymmetry, and the claimant is unaware of key policy details?

Which action should you take?

Choose only one option

I withhold details to maintain an advantage in the negotiation

I let the claimant propose their terms without providing any policy clarification

I downplay the information asymmetry and avoid discussing policy details

I clarify the policy terms and coverage limits transparently, ensuring the claimant understands the basis for the settlement

Question 4: How do you handle "Incomplete Documentation" in a claim, and what is your process for ensuring all necessary documents are collected before processing?

Which action should you take?

Choose only one option

I send requests for the missing documentation, clearly outlining what is needed and set a deadline for submission

I proceed with the claim, assuming the claimant will submit missing documents later

I reject the claim outright if documentation is incomplete

I process the claim using available documents and ignore missing items

Question 5: How should a Claims Adjuster handle a claim where multiple parties are involved in the incident?

Which action should you take?

Choose only one option

By focusing only on the claimant's side of the story and disregarding other parties

By denying the claim if multiple parties are involved, regardless of circumstances

By accepting the first party's statement without verification

By investigating each party's involvement and coordinating with all relevant stakeholders

Question 6: What is the significance of using standardized templates in claims documentation within the BFSI industry?

Which action should you take?

Choose only one option

It allows for creative presentation of claim details

It ensures consistency, compliance with regulatory standards, and facilitates easier review and auditing

It limits the adjuster's ability to personalize reports

It reduces the need for detailed information