Will insurance claims clerks be replaced by AI?
Updated
Insurance claims clerks score 72 of 100 for AI exposure. AI can already do 61% of their task time. AI speeds up the other 39%.
- 61% AI can do it
- 39% AI helps
Very high exposure
Higher than 100% of the 923 occupations we scored.
Task by task
We graded 25 tasks, listed here from most to least exposed. AI can do 15 of them today, speeds up 10 and leaves 0 to people.
| Task | AI exposure |
|---|---|
| Transcribe data to worksheets, and enter data into computer for use in preparing documents and adjusting accounts. Transcribing and entering worksheet data is ideal for AI tools. | 85% AI can do it |
| Enter insurance- and claims-related information into database systems. Keying insurance and claims data into systems is highly automatable. | 85% AI can do it |
| Notify insurance agent and accounting department of policy cancellation. Cancellation notices to agents and accounting are templated messages. | 80% AI can do it |
| Obtain computer printout of policy cancellations, or retrieve cancellation cards from file. Pulling cancellation reports and records is simple digital retrieval. | 78% AI can do it |
| Post or attach information to claim file. Attaching and filing documents to claim files is routine software work. | 75% AI can do it |
| Organize or work with detailed office or warehouse records, using computers to enter, access, search or retrieve data. Searching and retrieving records by computer is core AI strength. | 75% AI can do it |
| Compose business correspondence for supervisors, managers, and professionals. Business letters for managers are drafted quickly by AI. | 75% AI can do it |
| Process and record new insurance policies and claims. Recording new policies and claims is structured data entry. | 70% AI can do it |
| Review and verify data, such as age, name, address, and principal sum and value of property, on insurance applications and policies. Cross-checking names, addresses and values against documents is automatable. | 70% AI can do it |
| Calculate premiums, refunds, commissions, adjustments, or new reserve requirements, using insurance rate standards. Premium and refund math follows rate tables, reserves need review. | 70% AI can do it |
Show the other 15 tasks
| Task | AI exposure |
|---|---|
| Process, prepare, and submit business or government forms, such as submitting applications for coverage to insurance carriers. Filling and submitting standard forms is largely automatable. | 70% AI can do it |
| Transmit claims for payment or further investigation. Routing claims onward is rule-driven and easily automated. | 68% AI can do it |
| Correspond with insured or agent to obtain information or to inform them of account status or changes. Status and information emails are drafted well by AI. | 65% AI can do it |
| Compare information from application to criteria for policy reinstatement, and approve reinstatement when criteria are met. Comparing applications to fixed reinstatement criteria is rule-based. | 65% AI can do it |
| Prepare insurance claim forms or related documents, and review them for completeness. Drafting forms and checking completeness suits document AI well. | 62% AI can do it |
| Modify, update, or process existing policies and claims to reflect any change in beneficiary, amount of coverage, or type of insurance. Updates to beneficiaries and coverage are automated, verification stays human. | 60% AI helps |
| Examine letters from policyholders or agents, original insurance applications, and other company documents to determine if changes are needed and effects of changes. AI can extract and summarize changes, staff confirm the effects. | 58% AI helps |
| Calculate amount of claim. Math is simple, but deductibles and policy terms need checking. | 55% AI helps |
| Review insurance policy to determine coverage. AI can read policy language, but coverage calls need accountable judgement. | 55% AI helps |
| Organize or work with detailed office or warehouse records, maintaining files for each policyholder, including policies that are to be reinstated or cancelled. Digital files maintain easily, physical file handling limits gains. | 55% AI helps |
| Provide customer service, such as limited instructions on proceeding with claims or referrals to auto repair facilities or local contractors. Chat assistants handle simple questions, referrals need human judgement. | 50% AI helps |
| Contact insured or other involved persons to obtain missing information. AI drafts requests, but calls and follow-up need people. | 45% AI helps |
| Collect initial premiums and issue receipts. Digital payments and receipts automate, cash handling stays human. | 45% AI helps |
| Pay small claims. Payment rules can be automated, but authority and fraud checks stay human. | 40% AI helps |
| Interview clients and take their calls to provide customer service and obtain information on claims. Voice AI covers simple calls, claim interviews need human listening. | 40% AI helps |
How insurance claims clerks compare
All occupations (923)
Office and administrative support (51)
Pay and outlook in the US
- Median pay
- $49,230 a year, May 2025
- People employed
- 214,260 in the US, May 2025
- Projected change in jobs
- -1.9% from 2024 to 2034
Skills to build
- Key claims and policy data into Microsoft Access databases
- Check deductibles and policy terms before calculating claim amounts
- Chase missing claim documents by phone and written request
- Verify automated entries against source forms in Microsoft Excel
- Use medical procedure coding software on health claim files
- Hold authority checks on small claim payments and fraud flags
Safer roles nearby
5 related occupations with lower scores.
Questions about insurance claims clerks and AI
Will AI replace insurance claims clerks?
Largely. About 6 in 10 working hours go to tasks AI can already do, mostly transcribing worksheet data and entering information into database systems. Work that stays with people includes claim interviews, payment authority, and calls to missing parties, since those need listening and judgement.
Which insurance claims clerk tasks is AI taking over?
Transcribing worksheet data and entering claims information into database systems are the most exposed tasks, each scoring 85 on exposure. Cancellation notices to agents and accounting are templated messages, and attaching documents to claim files is routine software work.
Which insurance claims clerk tasks stay human?
Interviewing claimants and paying small claims are the least exposed tasks, each scoring 40. Claim interviews need a person listening for detail, and small payments need authority and fraud checks that a clerk signs off on before money moves.
How can insurance claims clerks stay valuable?
Build skill in checking AI entries against source forms in Microsoft Excel and Access, since errors in automated data are costly. Learn deductible and policy term rules well enough to verify each calculated claim amount. Take on the calls that chase missing documents, and learn medical procedure coding software for health claims.
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