Average Insurance Claims Clerk Salary in Estonia for 2024

In this article, we will look at the average Insurance Claims Clerk salary for 2024 in Estonia 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 Euro. To keep things simple, we are using the EUR currency code instead of the currency symbol โ‚ฌ.

How Much Does an Insurance Claims Clerk Make in Estonia?

An Insurance Claims Clerk working in Estonia will typically earn around 10,000 EUR per year, and this can range from the lowest average salary of about 3,940 EUR to the highest average salary of 17,860 EUR.

Average Annual Salary
10,000 EUR
Average Monthly Salary
833 EUR

Lowest Annual Salary
3,940 EUR
Lowest Monthly Salary
328 EUR

Highest Annual Salary
17,860 EUR
Highest Monthly Salary
1,488 EUR

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

Insurance Claims Clerk 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 Insurance Claims Clerk Salaries in Estonia

So we've looked at the average salaries an Insurance Claims Clerk will earn in Estonia. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that an Insurance Claims Clerk can earn between 3,940 EUR and 17,860 EUR on average in Estonia. 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 an Insurance Claims Clerk in Estonia is 9,940 EUR. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 9,940 EUR, and 50% of the population earn more than 9,940 EUR.

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 Insurance Claims Clerk salary in Estonia, 25% of the population are earning less than 7,300 EUR while 75% of the population earn more than 7,300 EUR.

75% of the population earn less than 13,100 EUR, and 25% of the population earn more than 13,100 EUR.

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.

Insurance Claims Clerk Salary by Experience Level in Estonia

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 insurance claims clerk 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. An Insurance Claims Clerk in Estonia that has less than two years of experience can expect to earn somewhere in the region of 5,200 EUR.
  • 2 - 5 Years Experience. With two to five years of experience the average Insurance Claims Clerk salary would increase to 9,020 EUR.
  • 5 - 10 Years Experience. From five to ten years of experience as an Insurance Claims Clerk, the average salary would be 13,660 EUR.
  • 10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 14,920 EUR.
  • 15 - 20 Years Experience. An Insurance Claims Clerk with 15 to 20 years of experience can earn an average of 17,100 EUR.
  • 20+ Years Experience. For an Insurance Claims Clerk with more than 20 years, the expected average salary increases to 15,380 EUR.

Average Salary by Experience Chart

0-2 Years
5,200 EUR
2-5 Years +29%
9,020 EUR
5-10 Years +38%
13,660 EUR
10-15 Years +24%
14,920 EUR
15-20 Years +7%
17,100 EUR
20+ Years +7%
15,380 EUR

Insurance Claims Clerk Salary by Education Level in Estonia

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 an Insurance Claims Clerk in Estonia 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. An Insurance Claims Clerk in Estonia with a certificate or diploma education can earn an average salary of 8,560 EUR.

  • Bachelor's Degree. An Insurance Claims Clerk in Estonia with a bachelor's degree education can earn an average salary of 14,200 EUR.

Average Salary by Education Chart

Certificate or Diploma
8,560 EUR
Bachelor's Degree +53%
14,200 EUR

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 Estonia is around 13,700 to 41,000 EUR 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.

Insurance Claims Clerk 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 Estonia, a male insurance claims clerk will earn an average of 9,940 EUR, while a female insurance claims clerk will earn around 12,760 EUR.

This means that a male insurance claims clerk earns approximately 22% less than a female insurance claims clerk for performing the same job.

Average Salary by Gender Chart in Estonia

Male
9,940 EUR
Female +22%
12,760 EUR

Insurance Claims Clerk Average Pay Raise in Estonia

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 an Insurance Claims Clerk in Estonia is around 10% every 17 months.

The national average pay raise across all professions and industries in Estonia is around 8% every 18 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 ÷ 17 ) × 12  = 7%

What this means is that an Insurance Claims Clerk in Estonia can expect to receive an average pay raise of around 7% every 12 months.

Annual Pay Raise by Industry in Estonia for 2024

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

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

Banking
5%
Energy
1%
Information Technology
6%
Healthcare
2%
Travel
7%
Construction
3%
Education
8%

Insurance Claims Clerk Bonus and Incentive Rates in Estonia

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.

An Insurance Claims Clerk is a low bonus based job, with 28% of employees reporting at least one bonus in the last 12 months.

72% 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 0% to 4%.

Received Bonus
28%
No Bonus
72%

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 Estonia earn approximately 7% more than private sector employees in the same role.

Public Sector
35,500 EUR
Private Sector -7%
33,120 EUR

Salaries for Jobs Similar to an Insurance Claims Clerk

In the table below, we have salary information for jobs that are similar to an Insurance Claims Clerk in Estonia.

Job Title Category Salary
Actuarial Analyst Insurance 41,480 EUR
Actuarial Assistant Insurance 30,800 EUR
Actuarial Specialist Insurance 32,200 EUR
Actuary Insurance 43,220 EUR
Adjustment Insurance Clerk Insurance 13,060 EUR
Assistant Broker Insurance 20,940 EUR
Assistant Claims Manager Insurance 37,620 EUR
Associate Insurance Representative Insurance 17,560 EUR
Auditing Insurance Manager Insurance 47,580 EUR
Broker Insurance 34,160 EUR
Claim Advocacy Professional Insurance 35,500 EUR
Claims Adjuster Insurance 9,940 EUR
Claims Analyst Insurance 15,700 EUR
Claims Examiner Insurance 15,300 EUR
Claims Manager Insurance 45,580 EUR
Claims Processor Insurance 10,980 EUR
Claims Representative Insurance 14,920 EUR
Claims Resolution Specialist Insurance 36,940 EUR
Claims Supervisor Insurance 32,960 EUR
Complaints Specialist Insurance 31,660 EUR
Compliance Examiner Insurance 30,700 EUR
Compliance Officer Insurance 26,780 EUR
Compliance Reviewer Insurance 27,480 EUR
Consultant Insurance 31,960 EUR
Eligibility Interviewer Insurance 35,340 EUR
Eligibility Specialist Insurance 31,960 EUR
Insurance Account Manager Insurance 36,700 EUR
Insurance Accounts Executive Insurance 35,500 EUR
Insurance Adjuster Insurance 30,220 EUR
Insurance Agent Insurance 19,360 EUR
Insurance Analyst Insurance 31,980 EUR
Insurance Appraiser Insurance 32,200 EUR
Insurance Examiner Insurance 32,020 EUR
Insurance Investigator Insurance 30,700 EUR
Insurance Manager Insurance 53,320 EUR
Insurance Operations Manager Insurance 54,560 EUR
Insurance Policy Processing Clerk Insurance 10,000 EUR
Insurance Pricing Assistant Insurance 24,200 EUR
Insurance Program Manager Insurance 42,460 EUR
Insurance Project Manager Insurance 41,700 EUR
Insurance Quality Assurance Agent Insurance 26,500 EUR
Insurance Sales Agent Insurance 19,480 EUR
Insurance Sales Director Insurance 51,100 EUR
Insurance Sales Manager Insurance 43,260 EUR
Insurance Sales Representative Insurance 15,380 EUR
Insurance Team Leader Insurance 34,360 EUR
Insurance Underwriter Insurance 23,360 EUR
Loss Control Specialist Insurance 31,180 EUR
Loss Prevention Investigator Insurance 32,900 EUR
Loss Prevention Manager Insurance 44,540 EUR
Loss Prevention Specialist Insurance 36,940 EUR
Marine Underwriter Insurance 25,220 EUR
Medical Auditor Insurance 34,080 EUR
Monitoring and Performance Officer Insurance 23,520 EUR
Payment Services Specialist Insurance 32,200 EUR
Policy Change Director Insurance 50,980 EUR
Policy Change Supervisor Insurance 34,480 EUR
Policy Change Technician Insurance 17,620 EUR
Risk Analyst Insurance 37,200 EUR
Risk Management Director Insurance 58,280 EUR
Risk Management Supervisor Insurance 40,040 EUR
Risk Manager Insurance 57,860 EUR
Risk Modeling Manager Insurance 56,640 EUR
Title Insurance Typist Insurance 29,040 EUR
Training Manager Insurance 35,000 EUR

Salary Comparison by City

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

City Average Salary
Tallinn 13,700 EUR

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