Shruti Chhabra

Insurance claims professional with 15+ years of experience across Personal Accident, Commercial, Health, Motor, Workmen Compensation, and Life Insurance claims. Expertise in end-to-end claims management and resolution, driving claims strategy, operational excellence, and regulatory compliance. Proven capability in leading teams, managing complex and high-value claims, strengthening fraud controls, and enhancing customer experience across multiple lines of business.

Health & Personal Accident Claims (Chief Manager) at ICICI Lombard General Insurance Company Ltd (2021-09 – 2025-08)

• Leading Personal Accident, Motor, Health, Critical Illness, and loss of job claims vertical for PAN India
• Processing and approving Personal Accident Claims, including group and individual death and disability claims, involving detailed scrutiny of claim documentation, appointment of investigators, and final claim adjudication.
• Implementing fraud control mechanisms within the claims team by identifying suspicious claims and driving detailed investigations.
• Managing high-value claims through thorough document and investigation review.
• Processing and managing Workmen's Compensation claims in accordance with policy terms and statutory requirements.
• Responsible for settlement of claims within Turnaround Time
• Leading and managing teams while providing ongoing training and mentoring to support capability building and team development.
• Handling internal and external claims grievances efficiently.
• Managing litigation claims, coordinating with legal teams, and ensuring compliance with regulatory and policy guidelines
• Managing internal and external audit responses for claims team.

Health & Personal Accident Claims (Senior Manager) / Commercial Claims (Manager) at Bharti Axa General Insurance Company Ltd (2016-06 – 2021-09)

• Leading Personal Accident Claims, Critical Illness and loss of job claims vertical for PAN India
• Processing and approving Personal Accident Claims including group and individual death and disability claims which include scrutinizing of claim documents, appointing investigator and taking decision on claims.
• Managing claims and client servicing for corporate accounts, including Airtel Payment Bank, IRCTC, Hero Fincorp, Uber, Oppo, and Vivo.
• Placing fraud control mechanism in claims team by identifying suspicious claims and through detailed investigation.
• Handling high value claims by validating claim documents and investigation report.
• Scrutinizing and processing Fire claims, including appointment and coordination with surveyors, obtaining Initial Loss Advice (ILA) and claim documents, and settling claims based on the final survey report.
• Processing and settlement of Marine claims based on the survey report and necessary claim documents.
• Maintaining and updating appropriate reserve in system for indemnity and expenses and periodic review of loss reserving on monthly basis.
• Processing of Workmen's compensation claims and Burglary claims.
• Responsible for ensuring timely settlement of claims within defined Turnaround Time (TAT) benchmarks.
• Building and guiding the team through training and mentoring.
• Coordinating with the IT team to provide requirements and ensure successful implementation of new claims software for faster and improved claims processing.
• Handling all audit queries for the claims team, including internal and external audits.

Claims (Manager) at Religare Health Insurance Company (2012-06 – 2016-06)

• Processing of cashless health insurance claims which includes calculation of payable amount to hospitals, deduction of non-medical expenses and discount calculation
• Approval of cashless claims and maintaining its overall Turnaround time (TAT)
• Managing the entire payment process of claims including the payment made to hospitals and customers
• Handling the entire payment team and ensuring timely settlement of claims
• Maintaining a supportive team environment and coordinating with the team to identify process gap and improvement areas
• Preparation of discharge vouchers/ settlement letters with detailed description of deductions made in the claim
• Resolving claims related queries of external as well as internal customers within prescribed TAT
• Validating KYC documents to ensure legal compliance
• Follow up with internal departments like Finance, IT and Group underwriting for resolution of operational issues
• Coordinating with IT department to automate the payment process

Claims Assessor (Executive) at Max Life Insurance Company (2009-12 – 2012-05)

• Processing of Group and individual death claims
• Checking admissibility of claim, exclusions, and decision case accordingly
• Validating documentation of claims cases to establish authenticity
• Preparing & consolidating MIS reports of corporate clients & sending them out within timelines committed to Policyholder
• Follow up with internal operation departments like Finance and Group Operations
• Resolving query of external as well as internal customer within prescribed TAT

Post Graduate (Diploma) in Insurance Management – Amity University (2009)

Graduation in Marketing & Management of Insurance – Delhi University (2008)

XII – C.B.S.E (2005)

X – C.B.S.E (2003)

Fellowship from Insurance Institue of India