As Manager - Health Claims, you will play a critical role in adjudicating and managing health insurance claims by integrating clinical knowledge with data-driven decision-making. You will ensure claims are processed accurately, within regulatory and company guidelines, while maintaining operational excellence and customer trust.
This position involves a blend of medical expertise, analytical judgment, and process governance, supported by Tata AIGs advanced claims management systems.
Key Responsibilities
1. Claims Assessment & Review and evaluate health insurance claims using your medical knowledge to determine clinical admissibility.
- Analyze medical documents, discharge summaries, diagnostic reports, and treatment details to ensure alignment with policy terms and conditions.
- Apply evidence-based medical judgment to support approval or rejection decisions.
- Identify inconsistencies or anomalies in claims and escalate for further medical or fraud review.
2. Policy & Regulatory Compliance
Interpret and apply policy wordings, inclusions / exclusions, and regulatory guidelines during claims processing.Ensure all adjudications comply with IRDAI standards, internal audit norms, and Tata AIGs governance policies.Maintain up-to-date understanding of healthcare regulations, clinical protocols, and insurance compliance frameworks.3. Process Excellence & Automation
Leverage Tata AIGs claims management system (CMS) and digital tools for efficient case tracking and workflow automation.Support the integration of AI / ML-based decision engines that assist in predictive analysis and fraud detection.Contribute to the optimization of claims turnaround times (TATs) and enhancement of processing accuracy through data-driven insights.4. Quality Review & Auditing
Conduct peer reviews and quality checks on processed claim files to ensure accuracy and adherence to medical and procedural standards.Collaborate with internal audit and compliance teams to drive zero-defect processing.Support internal training programs on claims quality improvement and knowledge sharing.5. Grievance & Escalation Management
Manage customer grievances related to health claims in coordination with service and legal teams.Analyze root causes of escalations and recommend process-level improvements to minimize recurrence.Ensure all grievance resolutions meet defined TATs and service-level benchmarks.6. Fraud Detection & Risk Mitigation
Identify patterns indicative of fraudulent or inflated claims through analytical review of cases.Collaborate with the Special Investigation Team (SIT) to validate clinical and billing authenticity.Contribute to building a database of suspicious claim behaviors and help strengthen preventive controls.Qualifications & BAMS or BHMS Freshers and early-career professionals are encouraged to apply.
Prior experience in clinical practice, Third-Party Administrators (TPA), or health insurance claim processing will be advantageous.Technical Competencies :
Familiarity with claims management or hospital information systems (HIS).Basic understanding of Excel-based reporting, MIS tools, and data validation workflows.Exposure to digital health platforms or electronic medical records (EMR) will be a plus.(ref : iimjobs.com)
