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Insurance Appraiser Average Salary in Mozambique 2020

How much money does an Insurance Appraiser make in Mozambique?

Average Monthly Salary
38,600 MZN
( 463,000 MZN yearly)


A person working as an Insurance Appraiser in Mozambique typically earns around 38,600 MZN per month. Salaries range from 18,900 MZN (lowest) to 60,200 MZN (highest).

This is the average monthly salary including housing, transport, and other benefits. Insurance Appraiser salaries vary drastically based on experience, skills, gender, or location. Below you will find a detailed breakdown based on many different criteria.

Insurance Appraiser Salary Distribution in Mozambique

Median and salary distribution monthly Mozambique Insurance Appraiser
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The median, the maximum, the minimum, and the range

  • Salary Range

    Insurance Appraiser salaries in Mozambique range from 18,900 MZN per month (minimum salary) to 60,200 MZN per month (maximum salary).

  • Median Salary

    The median salary is 39,400 MZN per month, which means that half (50%) of people working as Insurance Appraiser(s) are earning less than 39,400 MZN while the other half are earning more than 39,400 MZN. The median represents the middle salary value. Generally speaking, you would want to be on the right side of the graph with the group earning more than the median salary.

  • Percentiles

    Closely related to the median are two values: the 25th and the 75th percentiles. Reading from the salary distribution diagram, 25% of Insurance Appraiser(s) are earning less than 26,200 MZN while 75% of them are earning more than 26,200 MZN. Also from the diagram, 75% of Insurance Appraiser(s) are earning less than 50,800 MZN while 25% are earning more than 50,800 MZN.

What is the difference between the median and the average salary?

Both are indicators. If your salary is higher than both of the average and the median then you are doing very well. If your salary is lower than both, then many people are earning more than you and there is plenty of room for improvement. If your wage is between the average and the median, then things can be a bit complicated. We wrote a guide to explain all about the different scenarios. How to compare your salary

Insurance Appraiser Salary Comparison by Years of Experience

How does experience and age affect your pay?

Salary comparison by years of experience monthly Mozambique Insurance Appraiser
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The experience level is the most important factor in determining the salary. Naturally the more years of experience the higher your wage. We broke down Insurance Appraiser salaries by experience level and this is what we found.

An Insurance Appraiser with less than two years of experience makes approximately 22,400 MZN per month.

While someone with an experience level between two and five years is expected to earn 28,800 MZN per month, 29% more than someone with less than two year's experience.

Moving forward, an experience level between five and ten years lands a salary of 39,800 MZN per month, 38% more than someone with two to five years of experience.

On average, a person's salary doubles their starting salary by the time they cross the 10 years* experience mark.
* Based on the average change in salary over time. Salary variations differ from person to person.

Additionally, Insurance Appraiser(s) whose expertise span anywhere between ten and fifteen years get a salary equivalent to 49,300 MZN per month, 24% more than someone with five to ten years of experience.

If the experience level is between fifteen and twenty years, then the expected wage is 52,800 MZN per month, 7% more than someone with ten to fifteen years of experience.

Lastly, employees with more than twenty years of professional experience get a salary of 56,300 MZN per month, 7% more than people with fifteen to twenty years of experience.

Insurance Appraiser average salary change by experience in Mozambique

0 - 2 Years
22,400 MZN
2 - 5 Years+29%
28,800 MZN
5 - 10 Years+38%
39,800 MZN
10 - 15 Years+24%
49,300 MZN
15 - 20 Years+7%
52,800 MZN
20+ Years+7%
56,300 MZN
Percentage increase and decrease are relative to the previous value

Typical Salary Progress for Most Careers

Salary Comparison By Experience Level
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Insurance Appraiser Salary Comparison By Education

How do education levels affect salaries?

Displayed below is the average salary difference between different Insurance Appraiser(s) who have the same experience but different education levels.

Salary comparison by education level monthly Mozambique Insurance Appraiser
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We all know that higher education equals a bigger salary, but how much more money can a degree add to your income? We broke down Insurance Appraiser salaries by education level in order to make a comparison.

When the education level is Certificate or Diploma, the average salary of an Insurance Appraiser is 31,700 MZN per month.

While someone with a Bachelor's Degree gets a salary of 48,600 MZN per month, 53% more than someone having a Certificate or Diploma degree.

Insurance Appraiser average salary difference by education level in Mozambique

Certificate or Diploma
31,700 MZN
Bachelor's Degree+53%
48,600 MZN
Percentage increase and decrease are relative to the previous value

Typical Salary Difference by Education for Most Careers

Salary Comparison By Education Level
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Insurance Appraiser Salary Comparison By Gender

Salary comparison by gender monthly Mozambique Insurance Appraiser
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Though gender should not have an effect on pay, in reality, it does. So who gets paid more: men or women? Male Insurance Appraiser employees in Mozambique earn 11% more than their female counterparts on average.

40,100 MZN
36,300 MZN
Percentage increase and decrease are relative to the previous value

Salary Comparison By Gender in Mozambique for all Careers

Salary comparison by gender monthly Mozambique
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Insurance Appraiser Average Annual Salary Increment Percentage in Mozambique

How much are annual salary increments in Mozambique for Insurance Appraiser(s)? How often do employees get salary raises?

Insurance Appraiser

Insurance Appraiser(s) in Mozambique are likely to observe a salary increase of approximately 7% every 29 months. The national average annual increment for all professions combined is 4% granted to employees every 29 months.

Annual Salary Increment Rate Mozambique Insurance Appraiser
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The figures provided here are averages of numbers. Those figures should be taken as general guidelines. Salary increments will vary from person to person and depend on many factors, but your performance and contribution to the success of the organization remain the most important factors in determining how much and how often you will be granted a raise.

Mozambique / All Professions

The term 'Annual Salary Increase' usually refers to the increase in 12 calendar month period, but because it is rarely that people get their salaries reviewed exactly on the one year mark, it is more meaningful to know the frequency and the rate at the time of the increase.

How to calculate the salary increment percentage?

The annual salary Increase in a calendar year (12 months) can be easily calculated as follows: Annual Salary Increase = Increase Rate x 12 ÷ Increase Frequency

The average salary increase in one year (12 months) in Mozambique is 2%.

Annual Increment Rate By Industry 2019

Information Technology

Listed above are the average annual increase rates for each industry in Mozambique for the year 2019. Companies within thriving industries tend to provide higher and more frequent raises. Exceptions do exist, but generally speaking, the situation of any company is closely related to the economic situation in the country or region. These figures tend to change frequently.

Worldwide Salary Raises: All Countries and All Jobs

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Insurance Appraiser Bonus and Incentive Rates in Mozambique

How much and how often are bonuses being awarded?Annual Salary Bonus Rate Mozambique Insurance Appraiser
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An Insurance Appraiser is considered to be a low bonus-based job due to the generally limited involvement in direct revenue generation, with exceptions of course. The people who get the highest bonuses are usually somehow involved in the revenue generation cycle.

87% of surveyed staff reported that they haven't received any bonuses or incentives in the previous year while 13% said that they received at least one form of monetary bonus.

Those who got bonuses reported rates ranging from 0% to 4% of their annual salary.

Received Bonus
No Bonus

Types of Bonuses Considered

Individual Performance-Based Bonuses

The most standard form of bonus where the employee is awarded based on their exceptional performance.

Company Performance Bonuses

Occasionally, some companies like to celebrate excess earnings and profits with their staff collectively in the form of bonuses that are granted to everyone. The amount of the bonus will probably be different from person to person depending on their role within the organization.

Goal-Based Bonuses

Granted upon achieving an important goal or milestone.

Holiday / End of Year Bonuses

These types of bonuses are given without a reason and usually resemble an appreciation token.

Bonuses Are Not Commissions!

People tend to confuse bonuses with commissions. A commission is a prefixed rate at which someone gets paid for items sold or deals completed while a bonus is in most cases arbitrary and unplanned.

What makes a position worthy of good bonuses and a high salary?

The main two types of jobs

Revenue GeneratorsSupporting Cast

Employees that are directly involved in generating revenue or profit for the organization. Their field of expertise usually matches the type of business.

Employees that support and facilitate the work of revenue generators. Their expertise is usually different from that of the core business operations.

A graphics designer working for a graphics designing company.

A graphic designer in the marketing department of a hospital.

Revenue generators usually get more and higher bonuses, higher salaries, and more frequent salary increments. The reason is quite simple: it is easier to quantify your value to the company in monetary terms when you participate in revenue generation.

Try to work for companies where your skills can generate revenue. We can't all generate revenue and that's perfectly fine.

Bonus Comparison by Seniority Level

Top management personnel and senior employees naturally exhibit higher bonus rates and frequencies than juniors. This is very predictable due to the inherent responsibilities of being higher in the hierarchy. People in top positions can easily get double or triple bonus rates than employees down the pyramid.

Insurance Appraiser Average Hourly Wage in Mozambique

220 MZN per hour

The average hourly wage (pay per hour) in Mozambique is 220 MZN. This means that the average Insurance Appraiser in Mozambique earns approximately 220 MZN for every worked hour.

Hourly Wage = Annual Salary ÷ ( 52 x 5 x 8 )

The hourly wage is the salary paid in one worked hour. Usually jobs are classified into two categories: salaried jobs and hourly jobs. Salaried jobs pay a fix amount regardless of the hours worked. Hourly jobs pay per worked hour. To convert salary into hourly wage the above formula is used (assuming 5 working days in a week and 8 working hours per day which is the standard for most jobs). The hourly wage calculation may differ slightly depending on the worked hours per week and the annual vacation allowance. The figures mentioned above are good approximations and are considered to be the standard. One major difference between salaried employees and hourly paid employees is overtime eligibility. Salaried employees are usually exempt from overtime as opposed to hourly paid staff.

Insurance Appraiser VS Other Jobs

Salary Comparison Between Insurance Appraiser and Insurance monthly Mozambique
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The average salary for Insurance Appraiser is 4% less than that of Insurance. Also, Insurance salaries are 0% more than those of All Jobs.

Salary comparison with similar jobs

Job TitleAverage Salary
Actuarial Analyst54,900 MZN+42%
Actuarial Assistant36,600 MZN-5%
Actuary55,900 MZN+45%
Adjustment Insurance Clerk14,600 MZN-62%
Assistant Broker25,900 MZN-33%
Assistant Claims Manager43,600 MZN+13%
Associate Insurance Representative21,800 MZN-44%
Auditing Insurance Manager61,000 MZN+58%
Broker41,300 MZN+7%
Claim Advocacy Professional41,600 MZN+8%
Claims Adjuster14,500 MZN-62%
Claims Analyst21,200 MZN-45%
Claims Examiner20,100 MZN-48%
Claims Manager57,300 MZN+48%
Claims Processor14,300 MZN-63%
Claims Representative17,800 MZN-54%
Claims Resolution Specialist42,400 MZN+10%
Claims Supervisor40,000 MZN+4%
Complaints Specialist36,200 MZN-6%
Compliance Officer31,200 MZN-19%
Consultant40,800 MZN+6%
Eligibility Specialist42,400 MZN+10%
Insurance Account Manager49,100 MZN+27%
Insurance Accounts Executive44,100 MZN+14%
Insurance Agent23,600 MZN-39%
Insurance Analyst39,200 MZN+2%
Insurance Appraiser38,600 MZN+0%
Insurance Claims Clerk15,000 MZN-61%
Insurance Examiner38,700 MZN+0%
Insurance Investigator37,800 MZN-2%
Insurance Manager68,400 MZN+77%
Insurance Operations Manager70,500 MZN+83%
Insurance Policy Processing Clerk15,600 MZN-60%
Insurance Pricing Assistant31,200 MZN-19%
Insurance Program Manager53,900 MZN+40%
Insurance Project Manager52,000 MZN+35%
Insurance Quality Assurance Agent35,000 MZN-9%
Insurance Sales Agent23,700 MZN-39%
Insurance Sales Director63,600 MZN+65%
Insurance Team Leader44,000 MZN+14%
Insurance Underwriter30,800 MZN-20%
Loss Control Specialist37,300 MZN-3%
Loss Prevention Investigator42,100 MZN+9%
Loss Prevention Manager55,900 MZN+45%
Loss Prevention Specialist42,900 MZN+11%
Marine Underwriter30,000 MZN-22%
Medical Auditor40,400 MZN+5%
Monitoring and Performance Officer29,200 MZN-24%
Payment Services Specialist40,600 MZN+5%
Policy Change Director65,500 MZN+70%
Policy Change Supervisor42,900 MZN+11%
Policy Change Technician20,200 MZN-48%
Risk Analyst46,300 MZN+20%
Risk Management Director76,100 MZN+97%
Risk Management Supervisor51,500 MZN+33%
Risk Manager72,700 MZN+88%
Risk Modeling Manager76,200 MZN+97%
Title Insurance Typist33,400 MZN-13%
Training Manager45,200 MZN+17%

Salary Comparison By City

CityAverage Salary
Beira39,100 MZN
Maputo42,900 MZN
Matola40,800 MZN
Nampula36,200 MZN

Government vs Private Sector Salary Comparison

Where can you get paid more, working for a private company or for the government? Public sector employees in Mozambique earn 14% more than their private sector counterparts on average across all sectors.

Private Sector
38,200 MZN
Public Sector+14%
43,400 MZN
Percentage increase and decrease are relative to the previous value

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