Final answer:
An insurance claim needing investigation for further clarification is considered a query claim, where additional information might be requested by the insurance company to resolve any uncertainties or discrepancies.
Step-by-step explanation:
An insurance claim that requires investigation and needs further clarification is considered a query claim. This type of claim arises when there's insufficient information, or when there are discrepancies that need to be addressed before the insurer can make a decision regarding the payment or denial of the claim. During this process, the insurance company may request additional information or documentation from the claimant to resolve any issues or unclear facts.