CTP Claims Examiner

Tokio Marine HCC • Carmel, IN

29d • Hybrid

About The Position

At WorldTrips, a proud member of the Tokio Marine HCC group of companies, we believe in empowering our people. As a global leader in specialty travel medical and trip protection insurance, we are passionate about preparing travelers for the unpredictable while fostering a work environment where bold ideas and transformative solutions are valued at every level. Our mission, "To Be a Good Company," reflects our commitment to people and community, recognizing the importance of giving back and driving positive change. We are proud to be named as a Top Workplace Winner for the past four years by IndyStar! If you are a motivated professional with the skills and experience to succeed in this role, we encourage you to apply and join our team. Join a team where your success is our priority! This role is Hybrid, you must be able to come into Carmel, IN office.

Requirements

• High school diploma or GED required
• Up to two years of experience in customer service, insurance, claims, healthcare, financial services, or a related field.
• Strong analytical and critical thinking skills with the ability to make sound decisions based on policy guidelines.
• Excellent written and verbal communication skills with the ability to explain complex information clearly and professionally.
• Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
• High attention to detail and the ability to maintain accurate documentation.
• Proficiency with Microsoft Office applications, including Outlook, Excel, and Word.
• Comfortable learning and using multiple claims management systems and technology platforms.
• A customer-focused mindset with the ability to handle sensitive situations with professionalism, empathy, and discretion.

Nice To Haves

• Associate's or Bachelor's degree in Business, Insurance, Healthcare Administration, Risk Management, or a related field preferred.
• Previous claims handling, insurance administration, or travel insurance experience is a plus.

Responsibilities

• Investigate and evaluate travel insurance claims by reviewing documentation, medical records, and policy information.
• Determine coverage eligibility by interpreting policy terms, conditions, exclusions, and claim details.
• Communicate with claimants, policyholders, healthcare providers, and vendors to gather information and provide updates throughout the claims process.
• Make fair, timely, and well-documented claim decisions, including approvals, partial approvals, and denials.
• Analyze claim information to identify discrepancies, missing documentation, or issues requiring additional review.
• Maintain accurate claim files and document all claim activity within company systems.
• Coordinate benefits and recoveries with other insurance carriers or third-party administrators when appropriate.
• Escalate complex or high-exposure claims to senior team members as needed.
• Deliver a high level of customer service by responding promptly and professionally to inquiries.
• Stay current on company procedures, policy updates, and industry best practices through ongoing training.
• Support audits, testing, process improvements, and other departmental initiatives as assigned.
• Collaborate with teammates to achieve departmental goals and contribute to a positive team environment.

Benefits

• Comprehensive medical, vision, and dental coverage, with eligibility beginning on your first day of employment
• Basic life and disability insurance
• 401(k) plan with 6% company match
• 20 days of PTO, two floating holidays, approximately 11 paid holidays, and volunteer time off
• Paid parental leave
• Access to our award-winning wellness program, including mental health services, fitness network membership, and a complimentary Headspace subscription
• Student loan matching program

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: High school or GED