損害保険事務 損害保険事務
What 損害保険事務 do
An English description is being prepared. Japanese description:
自動車保険の対応では、正確かつ丁寧な事故状況の確認に加え、保険契約者への事故対応に関する助言、事故の相手先との過失割合や賠償額の協議等も行う。火災保険の対応では、被害物件を確認し、事故の発生原因の調査や損害額の算定を行う。
具体的な仕事を流れでみると、まず、保険の契約者からの連絡を受け、事故や被害の日時、状況等を確認し受付を行う。その際、必要に応じて、契約者に緊急対応などの助言も行う。事故の状況や損害の程度は、最終的な支払保険金額をはじめ、今後の調査対応方針を決定する上で重要な事柄であり、できる限り正確かつ詳細に確認することが必要である。受付後に、保険の種類・支払内容に応じて必要な調査を行う。その際、被害物件が自動車の場合は損保アジャスター、建物・家財の場合は鑑定人といった専門分野に詳しい者に損害の調査を依頼することもある。また傷害保険では医療機関に入通院の確認を行ったり、賠償責任保険では、契約者の負担する損害賠償額を確定させるため、確認した事故状況に基づく相手先との過失割合の協議等も行う。
一連の対応にあたっては、法律や医療、自動車等に関する専門的な知識を必要とする場合もあり、弁護士、医師、鑑定人等の専門家とも連携する。契約者をはじめとする関係先との連絡・協議、保険金請求に必要な書類の提出依頼等の業務も行う。
損害調査の結果などを確認後、契約内容に従って支払額を決定し、保険金の支払い手続きを行う。
損害保険事務の仕事は、必要な調査や関係者との協議を行い、保険金を支払うことで、被害に遭った保険契約者の生活の再建を支援する仕事である。
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Employment type of workers
損害保険事務 salary
The average annual pay for 損害保険事務 in Japan is ¥5.25M (≈ $33,395; Basic Survey on Wage Structure (2025), national). The estimated median is ¥4.88M, the typical range is ¥3.62M–¥8.93M and the top 10% earn about ¥7.70M.
How does your pay compare with people your age?
Your numbers are not sent or stored. The distribution is estimated from Japan's national wage statistics, including pay differences by age.
Pay by ageest.
Estimated from the average pay and average age (43.3) using the age-wage curve of the Basic Survey on Wage Structure.
Pay by experienceest.
Pay by employment typeest.
The average hourly wage of ¥2,605 is 2.2× Japan's national average minimum wage of ¥1,177 (fiscal 2026). Minimum wage by prefecture →
Japanese pay is shown in yen (¥5.57M = 5.57 million yen ≈ 557万円). Dollar figures use the current rate of 157.25 yen per dollar and are for reference only; purchasing power differs.
Pay over time
| Year | Average pay | Employment | Openings ratio |
|---|---|---|---|
| 2021 | ¥4.64M | — | — |
| 2022 | ¥4.71M | — | — |
| 2023 | ¥4.96M | — | 1.06x |
| 2024 | ¥5.12M | — | 1.03x |
| 2025 | ¥5.25M | — | 0.98x |
Projected pay for 損害保険事務 (3, 5 and 10 years)est.
Today ¥5.25M → in 3 years ¥5.43M → in 5 years ¥5.55M → in 10 years ¥5.88M (10-year range ¥5.05M–¥6.82M). The model assumes pay growth of +1.1% per year.
What drives the annual growth rate
Projected pay = current pay × (1 + annual growth)^years. The annual growth rate starts from a base wage-growth rate and adds or subtracts labor demand (the job-openings-to-applicants ratio), wage momentum and AI replacement risk for each occupation. Projections are not guarantees. How it is calculated →
Outlook score for 損害保険事務
Each component is a percentile rank among all occupations in the same country (0–100). Weights: labor demand 25, wage momentum / openings 15, pay level 15, AI resistance 25, aging workforce 10 (Japan only), entry barrier 10.
Will AI replace 損害保険事務? AI replacement risk
How AI is changing this job
A written analysis for this occupation is being prepared.
AI replacement risk compares the parts of a job that are easy to hand to AI or software (processing information, documentation, repetitive computer work) with the parts that are hard to automate (physical work, working closely with people, judgment in unpredictable settings), using the MHLW job tag survey on work activities, work context, skills and knowledge. The result is a relative position among all occupations in the country, scaled to 0–100%. Methodology →
Labor demand for 損害保険事務
A ratio above 1.0 means there are more job openings than applicants (a labor shortage). The 5- and 10-year figures are estimates from the openings ratio, wage momentum and AI replacement risk.
Skills, education and requirements for 損害保険事務
Key skills
Skill levels from the MHLW job tag worker survey.
Key knowledge areas
What the work involves
Important abilities
Licenses and certifications (Japan)
No specific license or certification is required.
Education of workers
Training before entry
Related work experience
Difficulty of entry: ★★★☆☆ Moderate (from education, training, experience, licenses)
How to become 損害保険事務
The typical path in Japan is shown by the education, training and experience of current workers above and in the Japanese guidance below. A detailed English guide for this occupation is being prepared.
Guidance from job tag (Japanese)
中途入社については、損害保険会社によって募集の有無等は異なるが、業務を遂行する上で必要な知識や経験を有していれば有利である。
入社後は一定の研修を経て、損害調査部門に配属される。
はじめは書類作成や事故・被害の報告、各種相談の受付対応といった内勤事務を中心に経験を積み、徐々に請求内容の調査確認や契約者・被害者との交渉業務などを行っていく。代理店として独立する場合もある。
保険に関する商品知識のほか、正確な支払保険金算定のための損害額算出や各種関連法規などの知識が求められる。また、契約者・被害者・代理店など様々な対人折衝能力が必要であり、冷静さ、責任感なども求められる。
Career path and how to earn more as 損害保険事務
Career-path guidance is being prepared. Pay by experience is shown in the Pay section.