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Insurance fraud investigator

Also called insurance auditors, insurance fraud auditor, insurance fraud examiner

Insurance fraud investigators combat fraudulent activities by investigating the circumstances of certain suspicious claims, activities related to new customers, buying insurance products and premium calculations. Insurance fraud investigators refer potential fraud claims to insurance investigators who then undertake research and investigations to support or deny a claimant's case.

Will there be jobs?Average prospects25 jobs to fill by 2035 for every 100 people doing this work today.Business and administration associate professionalsWhat does it pay?About averageFrom about €1,600 (Bulgaria) to €6,300 (Denmark) a month, depending on the country.Estimate · Business and administration associate professionalsWhat do I need to study?Usually post-secondary or a short degree5 in 10 have a degree. 3 in 10 train through vocational routes.Business and administration associate professionalsWill AI change it?ModeratelyLevel 4 of 6. AI could take on part of most tasks, but none fully.Valuers and loss assessors · ILO

What you'd do

Valuers and loss assessors · ILO
  • Determining the quality or value of raw materials, real estate, industrial equipment, personal and household effects, works of art, gems and other objects
  • Assessing the extent of damage or loss and liabilities of insurance companies and underwriters for losses covered by insurance policies
  • Obtaining records of sales and value of similar items or property
  • Inspecting items or property to evaluate condition, size and construction
  • Preparing reports of value, outlining the estimation factors and methods used
Assess customer credibilityInterview insurance claimantsAnalyse claim filesReview insurance processConduct financial audits+ 2 more essential skills
What the work is like
  • Indoors
  • Sitting most of the day
  • Constant contact with people, including the public
  • Good freedom to decide
  • Often more than 40 hours a week
  • Deadlines most weeks
  • Very repetitive tasks
US data: based on the O*NET profile of the US job "Claims Adjusters, Examiners, and Investigators"

Will there be jobs?

Average prospects

A typical number of jobs will need filling by 2035.

People working as business and administration associate professionals in the EU
13.29m14.1m14.28m 201520232035

Solid: measured. Dashed: forecast.

Jobs to fill, 2026–2035
55,000 new jobs 3,460,000 replacing leavers
Jobs to fill per 100 people working now
Business and administration associate professionals25
All jobs29
Right now
2 of 27 countries report a shortage of valuers and loss assessors, 6 a surplus.
Valuers and loss assessors · EURES

What does it pay?

About average

Pay depends a lot on the country: from about €1,600 a month (Bulgaria) to €6,300 (Denmark), before tax.

Pick a country at the top of the page to see typical pay there, for people under 30, and compared with all jobs.

Among technicians and associate professionals in the EU, women earn 16% less per hour than men. Technicians and associate professionals · Eurostat

What do I need to study?

Usually post-secondary or a short degree

Post-secondary training or a short degree in finance, banking and insurance is the usual route.

Highest qualification of business and administration associate professionals (EU, 2025)
Degree 51%Vocational 31%General secondary 13%Basic schooling 6%
Fields that teach it
Finance, banking and insurance · Statistics
Vocational route, EU
3 in 10 trainees in this field
Business and law graduates in a matching job
66% in the EU

1,314 institutions in the EU offer business and law bachelor's degrees. Pick a country at the top of the page to see where to study and the official course finders.

Will AI change it?

Moderately

AI could take on part of most tasks, but none fully.

How exposed is this job? ILO scale
Very low
Low
Some tasks
Moderate
Significant
High

Average task score 0.45 on a scale from 0 (AI can't do it) to 1 (AI could do it fully).

See the score for each of the 5 tasks
Preparing reports of value, outlining the estimation factors and methods used0.68
Assessing the extent of damage or loss and liabilities of insurance companies and underwriters for losses covered by insurance policies0.55
Obtaining records of sales and value of similar items or property0.51
Determining the quality or value of raw materials, real estate, industrial equipment, personal and household effects, works of art, gems and other objects0.33
Inspecting items or property to evaluate condition, size and construction0.18

Based on what AI could technically do when assessed in 2025. It is not a forecast for a future year, and not a forecast of job losses. Scores for valuers and loss assessors. Source: ILO (2025), adapted (credits).