Average Claims Examiner Salary in Pakistan for 2024

In this article, we will look at the average Claims Examiner salary for 2024 in Pakistan and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Pakistani rupee. To keep things simple, we are using the PKR currency code instead of the currency symbol โ‚จ.

How Much Does a Claims Examiner Make in Pakistan?

A Claims Examiner working in Pakistan will typically earn around 525,700 PKR per year, and this can range from the lowest average salary of about 282,500 PKR to the highest average salary of 794,900 PKR.

Average Annual Salary
525,700 PKR
Average Monthly Salary
43,808 PKR

Lowest Annual Salary
282,500 PKR
Lowest Monthly Salary
23,541 PKR

Highest Annual Salary
794,900 PKR
Highest Monthly Salary
66,241 PKR

These are average salaries for a Claims Examiner in Pakistan and include benefits such as housing and transport. It's also possible for a Claims Examiner to earn more or less than the average salaries shown above.

Claims Examiner salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Claims Examiner Salaries in Pakistan

So we've looked at the average salaries a Claims Examiner will earn in Pakistan. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that a Claims Examiner can earn between 282,500 PKR and 794,900 PKR on average in Pakistan. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for a Claims Examiner in Pakistan is 485,300 PKR. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 485,300 PKR, and 50% of the population earn more than 485,300 PKR.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Claims Examiner salary in Pakistan, 25% of the population are earning less than 345,700 PKR while 75% of the population earn more than 345,700 PKR.

75% of the population earn less than 589,400 PKR, and 25% of the population earn more than 589,400 PKR.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

The difference between a median and an average salary

The median and average salary are both indicators you can use to see if you are being paid fairly based on the overall population.

  • If your salary is higher than the average and the median salary, you are earning well compared to others.
  • If your salary is lower than the average and the median salary, it could indicate you are not being paid well enough.
  • If you are somewhere in between then it's tricky to determine if you are being paid well enough and you might need to research more closely.

Claims Examiner Salary by Experience Level in Pakistan

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average claims examiner salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

  • 0 - 2 Years Experience. A Claims Examiner in Pakistan that has less than two years of experience can expect to earn somewhere in the region of 330,900 PKR.
  • 2 - 5 Years Experience. With two to five years of experience the average Claims Examiner salary would increase to 419,400 PKR.
  • 5 - 10 Years Experience. From five to ten years of experience as a Claims Examiner, the average salary would be 551,200 PKR.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 646,600 PKR.
  • 15 - 20 Years Experience. A Claims Examiner with 15 to 20 years of experience can earn an average of 718,000 PKR.
  • 20+ Years Experience. For a Claims Examiner with more than 20 years, the expected average salary increases to 762,400 PKR.

Average Salary by Experience Chart

0-2 Years
330,900 PKR
2-5 Years +26%
419,400 PKR
5-10 Years +32%
551,200 PKR
10-15 Years +18%
646,600 PKR
15-20 Years +11%
718,000 PKR
20+ Years +6%
762,400 PKR

Claims Examiner Salary by Education Level in Pakistan

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for a Claims Examiner in Pakistan based on the education level of the employees in order to find out whether a better education level would increase your salary.

  • Certificate or Diploma. A Claims Examiner in Pakistan with a certificate or diploma education can earn an average salary of 419,400 PKR.

  • Bachelor's Degree. A Claims Examiner in Pakistan with a bachelor's degree education can earn an average salary of 551,200 PKR.

  • Master's Degree. A Claims Examiner in Pakistan with a master's degree education can earn an average salary of 754,900 PKR.

Average Salary by Education Chart

Certificate or Diploma
419,400 PKR
Bachelor's Degree +32%
551,200 PKR
Master's Degree +37%
754,900 PKR

How Much is a Master's Degree or MBA Program?

The approximate cost of a master's degree or post-graduate program like an MBA in Pakistan is around 409,000 to 1,230,000 PKR and takes two years to complete.

As you can see above, there are financial benefits from reaching master's degree level, but don't expect to see much of a salary increase until you have completed the degree.

It's common for people to pursue an MBA or other post-graduate program in order to switch to a a job that pays more. On average, you can expect to earn around 10% more when switching to a new company.

Whether you decide to pursue a master's degree depends on many factors. If you are able to afford it, the numbers suggest that the return on investment is worth it and you could recover the costs in a few years from the salary increase you would receive.

Claims Examiner Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Pakistan, a male claims examiner will earn an average of 548,500 PKR, while a female claims examiner will earn around 496,100 PKR.

This means that a male claims examiner earns approximately 11% more than a female claims examiner for performing the same job.

Average Salary by Gender Chart in Pakistan

Male
548,500 PKR
Female -11%
496,100 PKR

Claims Examiner Average Pay Raise in Pakistan

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for a Claims Examiner in Pakistan is around 10% every 19 months.

The national average pay raise across all professions and industries in Pakistan is around 8% every 19 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 10 ÷ 19 ) × 12  = 6%

What this means is that a Claims Examiner in Pakistan can expect to receive an average pay raise of around 6% every 12 months.

Annual Pay Raise by Industry in Pakistan for 2024

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Pakistan.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Banking
2%
Energy
4%
Information Technology
6%
Healthcare
8%
Travel
1%
Construction
3%
Education
5%

Claims Examiner Bonus and Incentive Rates in Pakistan

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

A Claims Examiner is a low bonus based job, with 21% of employees reporting at least one bonus in the last 12 months.

79% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 1% to 2%.

Received Bonus
21%
No Bonus
79%

What are the Types of Bonus?

There are a number of difference types of bonus you can receive in a job. Including:

  • Individual performance bonus - This is a bonus that is awarded to an individual employee for general performance in the job. It's the most common type of bonus.
  • Company performance bonus - This is a bonus that is awarded to a company employees to share profit with the staff.
  • Goal based bonus - This is a bonus that is awarded to an individual employee (or a team) for achieving specific goals, objectives, or milestones.
  • Holiday bonus - This type of bonus is usually paid around the holidays, often the end of the year, and is a token of appreciation for the hard work throughout the year.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Pakistan earn approximately 12% more than private sector employees in the same role.

Public Sector
1,023,400 PKR
Private Sector -12%
913,400 PKR

Salaries for Jobs Similar to a Claims Examiner

In the table below, we have salary information for jobs that are similar to a Claims Examiner in Pakistan.

Job Title Category Salary
Actuarial Analyst Insurance 1,235,600 PKR
Actuarial Assistant Insurance 929,700 PKR
Actuarial Specialist Insurance 906,000 PKR
Actuary Insurance 1,259,300 PKR
Adjustment Insurance Clerk Insurance 357,300 PKR
Assistant Broker Insurance 629,800 PKR
Assistant Claims Manager Insurance 1,014,700 PKR
Associate Insurance Representative Insurance 507,300 PKR
Auditing Insurance Manager Insurance 1,369,700 PKR
Broker Insurance 962,900 PKR
Claim Advocacy Professional Insurance 946,000 PKR
Claims Adjuster Insurance 366,200 PKR
Claims Analyst Insurance 492,700 PKR
Claims Manager Insurance 1,380,400 PKR
Claims Processor Insurance 352,000 PKR
Claims Representative Insurance 444,300 PKR
Claims Resolution Specialist Insurance 1,084,200 PKR
Claims Supervisor Insurance 995,200 PKR
Complaints Specialist Insurance 885,000 PKR
Compliance Examiner Insurance 890,100 PKR
Compliance Officer Insurance 767,000 PKR
Compliance Reviewer Insurance 938,700 PKR
Consultant Insurance 938,700 PKR
Eligibility Interviewer Insurance 1,080,400 PKR
Eligibility Specialist Insurance 973,800 PKR
Insurance Account Manager Insurance 1,235,600 PKR
Insurance Accounts Executive Insurance 1,064,100 PKR
Insurance Adjuster Insurance 906,500 PKR
Insurance Agent Insurance 558,300 PKR
Insurance Analyst Insurance 917,200 PKR
Insurance Appraiser Insurance 958,700 PKR
Insurance Claims Clerk Insurance 341,400 PKR
Insurance Examiner Insurance 899,900 PKR
Insurance Investigator Insurance 890,100 PKR
Insurance Manager Insurance 1,645,600 PKR
Insurance Operations Manager Insurance 1,678,300 PKR
Insurance Policy Processing Clerk Insurance 376,800 PKR
Insurance Pricing Assistant Insurance 780,700 PKR
Insurance Program Manager Insurance 1,273,300 PKR
Insurance Project Manager Insurance 1,196,300 PKR
Insurance Quality Assurance Agent Insurance 844,100 PKR
Insurance Sales Agent Insurance 581,300 PKR
Insurance Sales Director Insurance 1,606,100 PKR
Insurance Sales Manager Insurance 1,273,300 PKR
Insurance Sales Representative Insurance 489,600 PKR
Insurance Team Leader Insurance 1,003,800 PKR
Insurance Underwriter Insurance 701,400 PKR
Loss Control Specialist Insurance 957,800 PKR
Loss Prevention Investigator Insurance 995,000 PKR
Loss Prevention Manager Insurance 1,345,400 PKR
Loss Prevention Specialist Insurance 1,045,100 PKR
Marine Underwriter Insurance 746,600 PKR
Medical Auditor Insurance 970,200 PKR
Monitoring and Performance Officer Insurance 649,700 PKR
Payment Services Specialist Insurance 958,700 PKR
Policy Change Director Insurance 1,560,800 PKR
Policy Change Supervisor Insurance 1,038,700 PKR
Policy Change Technician Insurance 447,700 PKR
Risk Analyst Insurance 1,065,400 PKR
Risk Management Director Insurance 1,777,700 PKR
Risk Management Supervisor Insurance 1,224,800 PKR
Risk Manager Insurance 1,765,300 PKR
Risk Modeling Manager Insurance 1,870,400 PKR
Title Insurance Typist Insurance 810,200 PKR
Training Manager Insurance 1,099,200 PKR

Salary Comparison by City

If you want to compare salaries with different cities in Pakistan, you can use the links below to explore the data for each specific city we have researched.

City Average Salary
Bahawalpur 467,100 PKR
Faisalabad 528,500 PKR
Gujranwala 535,900 PKR
Hyderabad 475,700 PKR
Islamabad 492,400 PKR
Karachi 587,800 PKR
Lahore 559,000 PKR
Multan 501,400 PKR
Peshawar 510,000 PKR
Quetta 453,200 PKR
Rawalpindi 552,400 PKR
Sargodha 444,300 PKR
Sialkot 466,300 PKR

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