electronic communication
Data communication performed through digital means such as computers, telephone or e-mail.
digital
Insurance clerks perform general clerical and administrative duties in an insurance company, other service institution, for a self-employed insurance agent or broker or for a government institution. They offer assistance and provide information about insurances to customers and they manage the paperwork of insurance agreements.
Competences and skills
32 ESCO relationsEssential knowledge 3 competences
Occupation specific
0 competencesNo competences in this bucket.
Sector-specific
0 competencesNo competences in this bucket.
Cross-sector
3 competencesoffice software
The characteristics and functioning of software programs for office tasks such as word processing, spreadsheets, presentation, email and database.
digital
types of insurance
The various types of risk or loss transfer policies that exist and their characteristics, such as health insurance, car insurance or life insurance.
Essential skills and competences 11 competences
Occupation specific
0 competencesNo competences in this bucket.
Sector-specific
1 competenceoffer financial services
Provide a broad range of financial services to clients such as assistance with financial products, financial planning, insurances, money and investment management.
Cross-sector
10 competencescommunicate with customers
Respond to and communicate with customers in the most efficient and appropriate manner to enable them to access the desired products or services, or any other help they may require.
follow written instructions
Follow written directions in order to perform a task or carry out a step-by-step procedure.
handle financial transactions
Administer currencies, financial exchange activities, deposits as well as company and voucher payments. Prepare and manage guest accounts and take payments by cash, credit card and debit card.
handle paperwork
Handle work-related paperwork ensuring that all relevant requirements are met.
maintain records of financial transactions
Collate all the financial transactions done in the daily operations of a business and record them in their respective accounts.
perform clerical duties
Perform administrative tasks such as filing, typing up reports and maintaining mail correspondence.
perform office routine activities
Program, prepare, and perform activities required to be performed everyday in offices such as mailing, receiving supplies, updating managers and employees, and keeping operations running smoothly.
provide financial product information
Give the customer or client information about financial products, the financial market, insurances, loans or other types of financial data.
use office systems
Make appropriate and timely use of office systems used in business facilities depending on the aim, whether for the collection of messages, client information storage, or agenda scheduling. It includes administration of systems such as customer relationship management, vendor management, storage, and voicemail systems.
write work-related reports
Compose work-related reports that support effective relationship management and a high standard of documentation and record keeping. Write and present results and conclusions in a clear and intelligible way so they are comprehensible to a non-expert audience.
Optional knowledge 6 competences
Occupation specific
0 competencesNo competences in this bucket.
Sector-specific
2 competencescompany policies
The set of rules that govern the activity of a company.
principles of insurance
The understanding of the principles of insurance, including third party liability, stock and facilities.
Cross-sector
4 competencesbanking activities
The broad and continuously growing banking activities and financial products managed by banks ranging from personal banking, corporate banking, investment banking, private banking, up to insurance, foreign exchange trading, commodity trading, trading in equities, futures and options trading.
insurance law
The law and legislation concerning the policies of transferring risks or losses from one party, the insured, to another, the insurer, in exchange for a periodic payment. This includes the regulation of insurance claims and the business of insurance.
insurance market
The trends and major driving factors in the insurance market, insurance methodologies and practices, and the identification of the major stakeholders in the insurance sector.
tax legislation
Tax legislation applicable to a specific area of specialisation, such as import tax, government tax, etc.
Optional skills and competences 12 competences
Occupation specific
0 competencesNo competences in this bucket.
Sector-specific
4 competencesclassify insurance claims
Process incoming claims in order to assess their nature and categorise them according to the different types of insurance and claims handling procedures, in order to ensure proper administrative handling, and to guaranee that the claim may proceed to the correct loss adjuster or other claims professionals.
handle incoming insurance claims
Manage, process and evaluate submitted requests for insurance in case a problem, which is covered under an insurance policy, occurs. The claim may or may not be approved, based on assessment of the circumstances.
identify customer's needs
Use appropriate questions and active listening in order to identify customer expectations, desires and requirements according to product and services.
review insurance process
Analyse all documentation related to a specific insurance case in order to ensure that the application for insurance or the claims process was handled according to guidelines and regulations, that the case will not pose significant risk to the insurer or whether claims assessment was correct, and to assess the further course of action.
Cross-sector
8 competencesadvise on financial matters
Consult, advise, and propose solutions with regards to financial management such as acquiring new assets, incurring in investments, and tax efficiency methods.
analyse insurance needs
Gather information about the insurance needs of a client, and give information and advice about all possible insurance options.
communicate with banking professionals
Communicate with professionals in the field of banking in order to obtain information on a specific financial case or project for personal or business purposes, or on behalf of a client.
file claims with insurance companies
File a factual request to an insurance company in case a problem occurs which is covered under an insurance policy.
maintain financial records
Keep track of and finalise all formal documents representing the financial transactions of a business or project.
obtain financial information
Gather information on securities, market conditions, governmental regulations and the financial situation, goals and needs of clients or companies.
present reports
Display results, statistics and conclusions to an audience in a transparent and straightforward way.
trace financial transactions
Observe, track and analyse financial transactions made in companies or in banks. Determine the validity of the transaction and check for suspicious or high-risk transactions in order to avoid mismanagement.