Health Claims Assessor- Scottish Widows

Job Title

Health Claims Assessor

Salary: £44,901pa - £54,879pa plus the benefits listed below. Salary Range £44,901 - £49,890.

Location:

Edinburgh.

Hours:

Full-time. Working Pattern:
Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites.

End Date Thursday 24 September 2026

Do you have experience assessing complex health insurance claims and want to make a meaningful difference to customers during important moments in their lives? We're looking for a Health Claims Assessor to join our Claims Team within Wealth & Insurance. This team plays a critical role in supporting customers through the claims journey with empathy, fairness and expertise. You'll be part of a collaborative and supportive environment where continuous improvement, professional development and customer outcomes are at the heart of everything we do.

Every claim represents a significant life event for our customers, making the quality of your decisions and customer interactions essential to delivering the right outcomes.

• Assess health insurance claims accurately and fairly in line with policy terms, authority limits and regulatory requirements.
• Manage a portfolio of claims, making informed decisions using medical and policy information while meeting service standards and timescales.
• Support customers throughout the claims journey, providing clear communication, empathy and guidance across telephone and other channels.
• Maintain high standards of quality, risk management and compliance across all claim assessments.
• Mentor and support the development of less experienced colleagues by sharing technical expertise and best practice.
• Contribute to continuous improvement initiatives that enhance customer outcomes and team performance.

• Experience assessing health insurance claims across a range of products within a health claims environment.
• Strong knowledge of Critical Illness and Terminal Illness claims assessment.
• Ability to review complex information, apply sound judgement and make balanced claim decisions.
• Experience managing a case portfolio while meeting quality, accuracy and service standards.
• Excellent customer communication skills, with the ability to explain decisions clearly and manage expectations throughout the claims process.
• Experience assessing Income Protection claims.
• Experience mentoring, coaching or supporting the development of colleagues.
• Ability to work across multiple claim types and broaden technical capability quickly.

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities and we’re committed to creating an environment in which everyone can thrive, learn and develop.

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns.

And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.

• A generous pension contribution of up to 15%
• An annual performance-related bonus.
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
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