17 Insurance Claims Processor Interview Questions and Answers

An insurance claims processor is responsible for reviewing insurance claims and ensuring that they are accurate and complete before forwarding them to the insurance company. The job requires strong attention to detail, as well as the ability to work independently.

If you’re applying for an insurance claims processor job, you can expect to be asked a variety of questions about your qualifications, experience, and skills. In this guide, we’ve compiled a list of the most common insurance claims processor interview questions and answers to help you prepare for your interview.

Are you comfortable working with a high volume of paperwork and data entry?

This question can help the interviewer determine whether you have the skills and experience to succeed in this role. Use your answer to highlight your ability to work with large amounts of data, organize information and complete tasks within a deadline.

Example: “In my previous position as an insurance claims processor, I was responsible for processing hundreds of claims each week. While it may seem overwhelming at first, I quickly learned how to manage high volumes of paperwork by using time-saving software programs and delegating some of the more tedious tasks to other employees. This helped me stay organized while also ensuring that all claims were processed accurately.”

What are some of the most important skills you have for handling insurance claims?

This question can help the interviewer determine if you have the skills and experience to handle this role. Use your answer to highlight some of your most important skills, such as attention to detail, problem-solving, organization and communication.

Example: “I think one of my strongest skills is my ability to multitask. I am able to work on several claims at once while still paying close attention to each claim’s details. Another skill that helps me in this position is my strong organizational skills. I keep detailed records for every claim I process so I can find information quickly when needed. Finally, I believe my communication skills are an important part of this job. I regularly communicate with clients and coworkers about the status of their claims.”

How would you deal with a client who is angry or upset about the damage or loss they have experienced?

Interviewers may ask this question to assess your interpersonal skills and ability to resolve conflict. In your answer, try to show that you can be empathetic and use problem-solving skills to help clients feel better about their situation.

Example: “I would first make sure the client feels heard by listening carefully to what they have to say. Then I would explain how our company works with insurance companies to ensure a fair settlement for them. If the client is still upset after hearing my explanation, I would offer to call the insurance company on their behalf to see if there’s anything else we can do.”

What is your experience with using insurance terminology and understanding the legal aspects of claims processing?

This question is an opportunity to show your interviewer that you have the skills and knowledge necessary to succeed in this role. Use examples from your experience to highlight your expertise with insurance terminology, legal aspects of claims processing and how you used these skills to help your previous employer.

Example: “In my last position as a claims processor, I was responsible for understanding all types of insurance policies and their terms. This included researching any questions I had about specific policy language or regulations. In addition, I needed to understand the legal requirements of submitting valid claims. For example, when working on auto accident claims, I needed to ensure that the driver’s license information matched the vehicle registration information.”

Provide an example of a time when you had to gather information from multiple sources to complete a claim.

Interviewers may ask this question to assess your ability to work independently and manage multiple projects at once. Use examples from previous roles that highlight your critical thinking skills, attention to detail and problem-solving abilities.

Example: “In my last role as an insurance claims processor, I had a client who was involved in a car accident with another driver who didn’t have any auto insurance. The client’s vehicle sustained $5,000 worth of damage, but the other driver only had $1,500 in available funds. My job was to find out if the client had any additional assets or savings they could use to cover the remaining $3,500.

I started by asking the client for their financial information, including bank statements, credit card bills and investment portfolios. After reviewing all of these documents, I found that the client did not have enough money to cover the claim. So, I reached out to family members and friends to see if they could help. Luckily, one of the client’s friends was willing to lend them $2,000 to cover the rest of the claim.”

If you could change one thing about the insurance claims process, what would it be?

This question is a way for the interviewer to assess your attitude toward working in an insurance claims department. They want to know that you’re willing to make improvements and help the company improve its processes. Your answer should include something specific about the process that you would change, as well as how you would implement the change.

Example: “I think one thing that could be improved in the insurance claims process is the time it takes to receive payments from customers. I’ve seen some companies use blockchain technology to speed up this part of the process, so I’d like to explore implementing that into our system.”

What would you do if you made a mistake while processing a claim and it resulted in the client receiving less money than they were originally promised?

This question can help the interviewer determine how you would handle a mistake and what your response might be. Your answer should show that you are willing to take responsibility for your actions, apologize and try to make things right with the client.

Example: “If I made a mistake while processing a claim, I would immediately contact the client to let them know about the error and offer to refund any money they may have lost as a result of my mistake. If the client was already compensated for their loss, I would work with my manager to find a solution to ensure the client is satisfied.”

How well do you handle stress while working on a deadline?

Working as an insurance claims processor can be stressful, especially when you have a lot of work to do in a short amount of time. Employers ask this question to make sure that you are able to handle stress and still complete your work on time. In your answer, explain how you manage stress while working under pressure. Share some strategies you use to stay focused and productive even when you’re feeling stressed.

Example: “I find that the best way to manage stress is by taking deep breaths and focusing on my work. When I’m feeling overwhelmed or stressed out, I try to take a few minutes to myself to collect my thoughts. This helps me get back into a productive mindset so I can continue working without getting distracted.”

Do you have experience working with insurance software to enter data and track claims?

This question can help the interviewer determine if you have experience using specific software to complete your job duties. Use your answer to highlight any relevant skills or knowledge that you may have gained from previous work experiences.

Example: “I’ve worked with several different insurance software programs in my past positions, including one program that was proprietary to our company and another that we used for multiple types of insurance claims. I’m comfortable working with a variety of software systems as long as they are user-friendly and easy to navigate. In fact, I prefer working with software that is compatible with other companies so that I can enter data into one system and it will automatically transfer information to others.”

When would you recommend a client settle their claim outside of court?

Interviewers may ask this question to see if you have the experience and expertise to help clients settle claims outside of court. Use your answer to highlight your ability to negotiate with clients and develop strategies for settling claims without going to trial.

Example: “I’ve had several cases where I was able to convince a client to settle their claim outside of court because they didn’t want to go through the legal process. In these situations, I would explain all of the benefits of settling outside of court, including saving time and money. If the client still wanted to pursue the case in court, I would continue working with them until we reached an agreement.”

We want to improve our customer service and reduce the number of claims that go to court. What would you do to help achieve these goals?

Customer service is an important part of any insurance company. Interviewers want to know that you understand the importance of customer satisfaction and how it relates to their goals as a company. Use your answer to show them that you have experience with improving customer service and reducing court cases.

Example: “I think one of the best ways to improve customer service is by making sure our claims processors are well-trained in all aspects of the job. I would make sure they had access to online training courses, mentors and other resources so they can learn new skills or refresh their knowledge on certain processes. This will help ensure that customers get answers to their questions quickly and efficiently.”

Describe your experience working with people from different cultural backgrounds.

Employers may ask this question to learn more about your interpersonal skills and how you interact with people from different backgrounds. When answering, it can be helpful to mention a specific situation or example of when you worked with someone who had a different background than you.

Example: “I have experience working with people from many different cultural backgrounds. In my previous role as an insurance claims processor, I worked with several clients who were immigrants. I learned that they often needed help understanding the language in their policy documents. To help them better understand, I would translate some of the key terms into their native languages. This helped them feel more comfortable and confident in our interactions.”

What makes you stand out from other candidates for this position?

Employers ask this question to learn more about your qualifications and how you can contribute to their company. Before your interview, make a list of three things that make you unique or qualified for the position. These could be skills, certifications or personal qualities.

Example: “I have excellent attention to detail, which is important in an insurance claims processor role. I also have experience working with large amounts of data, so I know how to organize information efficiently. Finally, I am highly organized and motivated, so I can work independently without much supervision.”

Which insurance companies have you worked with in the past?

This question is a great way for the interviewer to learn more about your experience and how you might fit in with their company. When answering this question, it can be helpful to mention companies that are similar to the one you’re interviewing with so they can see some of your transferable skills.

Example: “I have worked with several insurance companies throughout my career, including State Farm, Liberty Mutual and Farmers Insurance. I find that each company has its own unique processes and procedures when it comes to processing claims, but there are also many similarities between them. This makes it easy for me to adapt to new companies and continue working effectively.”

What do you think is the most important aspect of the claims processing job?

This question is a great way for the interviewer to assess your understanding of what’s important in this role. Your answer should show that you understand the responsibilities and expectations of the job, which can help you perform well if you’re hired.

Example: “I think the most important aspect of claims processing is accuracy. When I worked as an insurance claims processor at my previous company, we were required to submit weekly reports on our progress. These reports included how many claims we processed each week and how accurate those claims were. Accuracy was one of the main metrics used to evaluate us, so it was very important to make sure all of our work was correct.”

How often do you make mistakes when typing?

This question is a way for employers to assess your typing speed and accuracy. They want to know that you can type quickly without making mistakes, so they may ask this question to see how often you make errors when typing. If you have never made a mistake while typing, explain what steps you take to ensure you don’t make any in the future.

Example: “I am very careful when I type because I understand how important it is to get information right the first time. When I was in school, my teachers would always tell me that if I typed something wrong, I had to retype the entire thing. So, I took extra care to proofread everything before submitting it. Now, I still do the same thing at work. I will go back and check my work multiple times before sending anything out.”

There is a claim that you don’t know how to process. What do you do?

This question is a great way to see how you would handle an unfamiliar situation at work. It’s important that you show the interviewer that you are willing to ask for help and learn from others when necessary.

Example: “If I were presented with a claim that I didn’t know how to process, I would first try to find out what steps I needed to take to complete it. If I couldn’t figure it out on my own, I would ask my supervisor or another colleague who has experience processing this type of claim. I am always open to learning new things, so I would be happy to have someone walk me through the process if they had time.”