Health Claims Assessor- Scottish Widows in Edinburgh

• Job Title
• Health Claims Assessor
• Job Details
• 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.

• Application Deadline
• End Date Thursday 24 September 2026
• About this opportunity

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.

Key Responsibilities

• 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.
• What you'll need
• 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.
• About working for us

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.

Benefits

• 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
• 28 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

Ready 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.