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Insurance Appraiser Average Salary in China 2020

How much money does an Insurance Appraiser make in China?

Average Monthly Salary
29,800 CNY
( 357,000 CNY yearly)


A person working as an Insurance Appraiser in China typically earns around 29,800 CNY per month. Salaries range from 14,300 CNY (lowest) to 46,800 CNY (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 China

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

  • Salary Range

    Insurance Appraiser salaries in China range from 14,300 CNY per month (minimum salary) to 46,800 CNY per month (maximum salary).

  • Median Salary

    The median salary is 31,000 CNY per month, which means that half (50%) of people working as Insurance Appraiser(s) are earning less than 31,000 CNY while the other half are earning more than 31,000 CNY. 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 20,400 CNY while 75% of them are earning more than 20,400 CNY. Also from the diagram, 75% of Insurance Appraiser(s) are earning less than 40,400 CNY while 25% are earning more than 40,400 CNY.

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 China 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 16,700 CNY per month.

While someone with an experience level between two and five years is expected to earn 23,700 CNY per month, 42% more than someone with less than two year's experience.

Moving forward, an experience level between five and ten years lands a salary of 31,200 CNY per month, 31% 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 38,300 CNY per month, 23% 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 40,700 CNY per month, 6% more than someone with ten to fifteen years of experience.

Lastly, employees with more than twenty years of professional experience get a salary of 44,600 CNY per month, 10% more than people with fifteen to twenty years of experience.

Insurance Appraiser average salary change by experience in China

0 - 2 Years
16,700 CNY
2 - 5 Years+42%
23,700 CNY
5 - 10 Years+31%
31,200 CNY
10 - 15 Years+23%
38,300 CNY
15 - 20 Years+6%
40,700 CNY
20+ Years+10%
44,600 CNY
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 China 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 22,400 CNY per month.

While someone with a Bachelor's Degree gets a salary of 42,500 CNY per month, 90% more than someone having a Certificate or Diploma degree.

Insurance Appraiser average salary difference by education level in China

Certificate or Diploma
22,400 CNY
Bachelor's Degree+90%
42,500 CNY
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 China 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 China earn 7% more than their female counterparts on average.

31,100 CNY
29,000 CNY
Percentage increase and decrease are relative to the previous value

Salary Comparison By Gender in China for all Careers

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

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

Insurance Appraiser

Insurance Appraiser(s) in China are likely to observe a salary increase of approximately 12% every 15 months. The national average annual increment for all professions combined is 9% granted to employees every 15 months.

Annual Salary Increment Rate China 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.

China / 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 China is 7%.

Annual Increment Rate By Industry 2019

Information Technology

Listed above are the average annual increase rates for each industry in China 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 China

How much and how often are bonuses being awarded?Annual Salary Bonus Rate China 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.

67% of surveyed staff reported that they haven't received any bonuses or incentives in the previous year while 33% 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 China

170 CNY per hour

The average hourly wage (pay per hour) in China is 170 CNY. This means that the average Insurance Appraiser in China earns approximately 170 CNY 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 China
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The average salary for Insurance Appraiser is 1% more than that of Insurance. Also, Insurance salaries are 0% more than those of All Jobs.

Salary comparison with similar jobs

Job TitleAverage Salary
Actuarial Analyst40,800 CNY+37%
Actuarial Assistant27,200 CNY-9%
Actuary38,300 CNY+29%
Adjustment Insurance Clerk10,900 CNY-63%
Assistant Broker19,200 CNY-36%
Assistant Claims Manager30,300 CNY+2%
Associate Insurance Representative15,700 CNY-47%
Auditing Insurance Manager45,300 CNY+52%
Broker29,300 CNY-2%
Claim Advocacy Professional28,200 CNY-5%
Claims Adjuster10,700 CNY-64%
Claims Analyst15,700 CNY-47%
Claims Examiner14,800 CNY-50%
Claims Manager42,100 CNY+41%
Claims Processor10,500 CNY-65%
Claims Representative13,600 CNY-54%
Claims Resolution Specialist31,700 CNY+6%
Claims Supervisor29,200 CNY-2%
Complaints Specialist25,900 CNY-13%
Compliance Officer24,300 CNY-18%
Consultant30,300 CNY+2%
Eligibility Specialist30,800 CNY+3%
Insurance Account Manager35,500 CNY+19%
Insurance Accounts Executive31,100 CNY+4%
Insurance Agent17,000 CNY-43%
Insurance Analyst28,500 CNY-4%
Insurance Appraiser29,800 CNY+0%
Insurance Claims Clerk10,400 CNY-65%
Insurance Examiner26,900 CNY-10%
Insurance Investigator28,800 CNY-3%
Insurance Manager50,000 CNY+68%
Insurance Operations Manager50,100 CNY+68%
Insurance Policy Processing Clerk10,800 CNY-64%
Insurance Pricing Assistant22,400 CNY-25%
Insurance Program Manager40,200 CNY+35%
Insurance Project Manager38,700 CNY+30%
Insurance Quality Assurance Agent25,700 CNY-14%
Insurance Sales Agent18,000 CNY-40%
Insurance Sales Director47,200 CNY+59%
Insurance Team Leader31,700 CNY+6%
Insurance Underwriter20,900 CNY-30%
Loss Control Specialist27,400 CNY-8%
Loss Prevention Investigator30,900 CNY+4%
Loss Prevention Manager40,800 CNY+37%
Loss Prevention Specialist31,200 CNY+5%
Marine Underwriter21,900 CNY-26%
Medical Auditor29,500 CNY-1%
Monitoring and Performance Officer19,800 CNY-34%
Payment Services Specialist29,800 CNY+0%
Policy Change Director47,400 CNY+59%
Policy Change Supervisor31,000 CNY+4%
Policy Change Technician14,500 CNY-51%
Risk Analyst33,100 CNY+11%
Risk Management Director54,200 CNY+82%
Risk Management Supervisor36,600 CNY+23%
Risk Manager56,900 CNY+91%
Risk Modeling Manager53,800 CNY+81%
Title Insurance Typist26,200 CNY-12%
Training Manager33,500 CNY+12%

Salary Comparison By City

CityAverage Salary
Beijing33,600 CNY
Changchun27,300 CNY
Changsha26,700 CNY
Chengdu33,100 CNY
Chongqing33,800 CNY
Dalian27,800 CNY
Dongguan28,600 CNY
Foshan26,900 CNY
Fuzhou27,200 CNY
Guangzhou35,000 CNY
Hangzhou32,400 CNY
Harbin30,300 CNY
Jinan30,100 CNY
Kunming26,700 CNY
Nanjing31,500 CNY
Qingdao29,200 CNY
Quanzhou26,400 CNY
Shanghai35,100 CNY
Shantou29,000 CNY
Shenyang31,400 CNY
Shenzhen29,200 CNY
Suzhou30,200 CNY
Tianjin30,900 CNY
Wenzhou29,800 CNY
Wuhan30,800 CNY
Wuxi26,800 CNY
Xi an30,000 CNY
Xiamen25,800 CNY
Zhengzhou24,800 CNY

Salary Comparison By State

StateAverage Salary
Anhui31,900 CNY
Beijing27,600 CNY
Chongqing28,000 CNY
Fujian31,300 CNY
Gansu27,400 CNY
Guangdong35,500 CNY
Guangxi30,900 CNY
Guizhou29,600 CNY
Hainan25,500 CNY
Hebei33,900 CNY
Heilongjiang28,700 CNY
Henan34,700 CNY
Hubei31,300 CNY
Hunan33,400 CNY
Jiangsu32,400 CNY
Jiangxi31,500 CNY
Jilin27,400 CNY
Liaoning31,200 CNY
Nei Monggol26,700 CNY
Ningxia26,200 CNY
Qinghai24,600 CNY
Shaanxi30,100 CNY
Shandong33,000 CNY
Shanghai27,600 CNY
Shanxi28,000 CNY
Sichuan33,900 CNY
Tianjin25,300 CNY
Xinjiang Uygur27,200 CNY
Xizang [Tibet]24,100 CNY
Yunnan31,400 CNY
Zhejiang30,400 CNY

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 China earn 6% more than their private sector counterparts on average across all sectors.

Private Sector
28,500 CNY
Public Sector+6%
30,100 CNY
Percentage increase and decrease are relative to the previous value

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