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Insurance Claims Adjuster

Finance

Review settled claims to determine that payments and settlements are made in accordance with company practices and procedures. Confer with legal counsel on claims requiring litigation. May also settle insurance claims.

You can enter this career straight after SPM. A degree is optional, not required.

FinanceBusiness

Picture the job

Where you'd usually workAn office

  • Mostly indoors
  • Sitting for most of the day
  • Dealing with customers or the public
  • Regular working hours

An illustration of a typical workplace, not a photo. The work-style notes come from US O*NET data, so read them as a guide.

In Malaysia

In Malaysia the job is usually called 'loss adjuster' and most work sits with independent adjusting firms registered with Bank Negara, handling motor and non-motor claims for insurers and takaful operators. Insurers also employ in-house claims executives. Motor claims dominate the workload.

How people get into it here
SPM → Diploma (insurance, business, automotive or engineering) or Degree in Risk Management/Insurance → join a BNM-registered loss adjusting firm → complete MII/Aii Basic Certificate Course in Insurance Loss Adjusting (BCCILA) or CILA qualification

Sources:emasco.mohr.gov.mycorpwb01.bnm.gov.mybnm.gov.myaiiasia.org

Pay in Malaysia

Government starting pay

RM2,670

per month

Official basic pay for the government grade, before allowances. Private-sector pay can differ.

eMASCO (KESUMA) Progressive Wage starting-salary guide, MASCO 3315 · 2026

How far is this from you?

Roughly how much preparation this job usually takes. In Malaysia your UPU route and the programme's syarat still decide entry, so treat this as a guide, not a gate.

  1. 1

    Entry straight after SPM

  2. 2

    SPM + sijil / short TVET course

  3. 3

    Diploma / TVET (sijil–diploma)

  4. Typical entry

    Degree (ijazah sarjana muda)

  5. 5

    Postgrad (sarjana / PhD) or professional route

Typical educationBachelor's degree
The full route to this careerThe steps from school, UPU programmes and sourced costs, read against your answers.

How to get here

Post-SPM pathways with programmes in this career's fields. Tap one to see real programmes and entry requirements.

Asasi / Foundation

One-year runway into a specific university: public via UPU or private direct entry.

12 months
Compare routes against your results and interests

Check what you may qualify for

Enter your SPM grades and see which routes and programmes you may qualify for. An estimate to plan with, not an offer.

Check my eligibility Not sure yet? Take the quiz

Quick answers

How do you become an Insurance Claims Adjuster in Malaysia?

SPM → Diploma (insurance, business, automotive or engineering) or Degree in Risk Management/Insurance → join a BNM-registered loss adjusting firm → complete MII/Aii Basic Certificate Course in Insurance Loss Adjusting (BCCILA) or CILA qualification. Registration with Bank Negara Malaysia (adjusting firms must be registered under the Financial Services Act 2013; adjusting employees must hold BNM-approved qualifications e.g. CILA, MII diploma or BCCILA, and do 15 CPD hours a year) is required to practise.

Can I become an Insurance Claims Adjuster straight after SPM?

Yes. This career can be started with a certificate, diploma or TVET training straight after SPM, without a degree.

What should I study to become an Insurance Claims Adjuster?

Related fields of study: Finance and Business. SPM subjects that help most: English, Business, Additional Mathematics and Mathematics.

How much does an Insurance Claims Adjuster earn in Malaysia?

The official pay scale put starting pay at RM2,670 a month (source: eMASCO (KESUMA) Progressive Wage starting-salary guide, MASCO 3315, 2026).

What you'd do all day

The tasks that matter most in this job, most important first.

  1. 1Examine claims forms and other records to determine insurance coverage.
  2. 2Analyze information gathered by investigation and report findings and recommendations.
  3. 3Pay and process claims within designated authority level.
  4. 4Investigate, evaluate, and settle claims, applying technical knowledge and human relations skills to effect fair and prompt disposal of cases and to contribute to a reduced loss ratio.
  5. 5Verify and analyze data used in settling claims to ensure that claims are valid and that settlements are made according to company practices and procedures.
  6. 6Review police reports, medical treatment records, medical bills, or physical property damage to determine the extent of liability.
  7. 7Investigate and assess damage to property and create or review property damage estimates.
  8. 8Interview or correspond with agents and claimants to correct errors or omissions and to investigate questionable claims.
  9. 9Interview or correspond with claimants, witnesses, police, physicians, or other relevant parties to determine claim settlement, denial, or review.
  10. 10Enter claim payments, reserves and new claims on computer system, inputting concise yet sufficient file documentation.
  11. 11Resolve complex, severe exposure claims, using high service oriented file handling.
  12. 12Adjust reserves or provide reserve recommendations to ensure that reserve activities are consistent with corporate policies.
  13. 13Confer with legal counsel on claims requiring litigation.
  14. 14Examine claims investigated by insurance adjusters, further investigating questionable claims to determine whether to authorize payments.
  15. 15Refer questionable claims to investigator or claims adjuster for investigation or settlement.
  16. 16Maintain claim files, such as records of settled claims and an inventory of claims requiring detailed analysis.
  17. 17Collect evidence to support contested claims in court.
  18. 18Supervise claims adjusters to ensure that adjusters have followed proper methods.
  19. 19Contact or interview claimants, doctors, medical specialists, or employers to get additional information.
  20. 20Conduct detailed bill reviews to implement sound litigation management and expense control.
  21. 21Communicate with reinsurance brokers to obtain information necessary for processing claims.
  22. 22Present cases and participate in their discussion at claim committee meetings.
  23. 23Report overpayments, underpayments, and other irregularities.
  24. 24Attend mediations or trials.
  25. 25Examine titles to property to determine validity and act as company agent in transactions with property owners.
  26. 26Prepare reports to be submitted to company's data processing department.
  27. 27Obtain credit information from banks and other credit services.

Also known as

What this job is called on JobStreet, LinkedIn and in job ads. Search these too.

  • Adjuster
  • Claims Agent
  • Investigator
  • Fire Adjuster
  • Claims Analyst
  • Claims Auditor
  • Claims Adjuster
  • Claims Adjustor
  • Claims Approver
  • Claims Examiner

Subjects that matter here

The SPM subjects worth your effort for this career, with the reason for each.

EnglishDraws directly on English Language — a top knowledge area for this role (O*NET).
BusinessDraws directly on Administrative — a top knowledge area for this role (O*NET).
Additional MathematicsDraws directly on Mathematics — a top knowledge area for this role (O*NET).
MathematicsDraws directly on Mathematics — a top knowledge area for this role (O*NET).
Computer Science / ICTDraws directly on Computers and Electronics — a top knowledge area for this role (O*NET).

What you'd need to know

The subject areas this job leans on most, and the SPM subjects that build them.

  • Customer and Personal Service94%
  • English Language88%

    English

  • Administrative76%

    Business

  • Mathematics73%

    Additional MathematicsMathematics

  • Computers and Electronics69%

    Computer Science / ICTElectrical & Electronic Eng. Studies

  • Law and Government66%

    History (Sejarah)

Tools you'd use

Software and equipment that show up in this job, worth learning early.

Where to learn these, free

Scholarships & funding

What the work feels like

Day-to-day working conditions, so you can tell whether the job suits how you like to work.

  • Face-to-face discussionsEvery day
  • Contact with other peopleConstant contact
  • Dealing with customers or the publicVery high
  • Leading or coordinating othersVery high
  • Handling conflict situationsEvery day
  • Indoors, air-conditionedEvery day
  • Outdoors, in all weatherAlmost never
  • Noisy environmentEvery day

AI and demand for this job

A few real, dated data points, not a single score. AI making some tasks faster usually means a job changes, not that it disappears.

18%

Share of everyday tasks today's AI can already help with (2023)

This estimate is from 2023, already out of date, since AI moves fast. Treat it as a rough, aging starting point, not the current picture.

What beginner adverts asked for

We read 24 internship and fresh-graduate adverts in related fields (August 2026). A small sample from one job site, not every vacancy.

23 of 24 were internships

Allowance or pay, when stated

RM1,000 – RM1,453

9 of 24 adverts printed an amount: usually between RM1,000 and RM1,453 a month. Many print none.

Minimum CGPA asked

3.00 to 3.50

Stated in 4 adverts. Others did not state one.

SPM results asked

up to 5 As

1 advert asked for A grades at SPM, so some doors are partly decided before university.

Languages named

Bahasa Malaysia, Mandarin

An empty line means the adverts did not say, not that employers have no requirement. Check each employer's own advert before you plan around it.

Related careers

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About this information

This describes what the job involves. Pay, demand and entry routes differ in Malaysia, so check the Pathways and Programmes pages for local requirements.

O*NET occupation: Claims Adjusters, Examiners, and Investigators

Source: eMASCO (KESUMA) Progressive Wage starting-salary guide, MASCO 3315 · as of Jan 2026

Check the salary figures yourself:eMASCO (KESUMA) Progressive Wage starting-salary guide, MASCO 3315

Job responsibilities, knowledge areas and work context from O*NET 30.3, US Department of Labor, used under CC BY 4.0. onetcenter.org