Health Claims Assessor- Scottish Widows

End DateThursday 24 September 2026Salary Range44,901 - 49,890We support flexible working – click here for more information on flexible working optionsFlexible Working OptionsHybrid Working, Job ShareJob Description Summary.Job DescriptionJob Title: Health Claims Assessor.Salary: 44,901pa - 54,879pa plus the benefits listed below.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.***This advertisement may close earlier than the stated deadline if we receive a high volume of applications. To ensure your application is considered, we encourage you to apply as soon as possible***About this opportunityDo 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.As a Health Claims Assessor, you'll:  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.Why Lloyds Banking GroupIf you think all banks are the same, you’d be wrong. We’re an innovative, fast-changing business that’s shaping finance as a force for good. A bank that’s empowering its people to innovate, explore possibilities and grow with purpose.What you’ll needExperience 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.And any experience of these would be really usefulExperience 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.About working for usOur 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.We also offer a wide-ranging benefits package, which includes:A generous pension contribution of up to 15%An annual performance-related bonus.Share schemes including free sharesBenefits you can adapt to your lifestyle, such as discounted shopping28 days’ holiday, with bank holidays on topA range of wellbeing initiatives and generous parental leave policiesReady for a career where you can have a positive impact as you learn, grow and thrive?At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks.  We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person. We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.SummaryLocation: EdinburghType: Full time