FORM NL-5 - CLAIMS SCHEDULE
CLAIMS INCURRED [NET]
FOR THE HALF YEAR ENDED 30.09.2010
	Particulars	UP TO THE QUARTER	FOR THE HALF YEAR ENDED 30.09.2010	UP TO THE QUARTER OF THE PRECEDING YEAR	FOR THE PREVIOUS HALF YEAR ENDED 30.09.2009
		(Rs.000)	(Rs.000)	(Rs.000)	(Rs.000)
A	FIRE INSURANCE
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	3490 847	5004 181	2159 165	5719 881
	Less :Re-insurance Ceded to claims paid	254 392	308 375	658 018	1063 060
	Net Claims Paid	3236 455	4695 806	1501 147	4656 821
	Add : Claims Outstanding at the end of the year	2530 218	31769 713	2941 346	25867 170
	Less: Claims Outstanding at the beginning of the year	0	26969 610	0	22849 850
	Total Claims Incurred	5766 673	9495 909	4442 493	7674 141
B	MISCELLANEOUS INSURANCE
(1)	MOTOR
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	5453 915	8039 230	4668 715	9728 044
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	5453 915	8039 230	4668 715	9728 044
	Add : Claims Outstanding at the end of the year	-136 476	33778 911	1228 893	31925 326
	Less: Claims Outstanding at the beginning of the year	0	31733 678	0	30597 952
	Total Claims Incurred	5317 439	10084 463	5897 608	11055 418
(2)	AVIATION
	Claims paid
	Direct claims	3 627	7 497	159	159
	Add   :Re-insurance accepted to direct claims	904 376	2237 580	1205 396	2321 590
	Less :Re-insurance Ceded to claims paid	155 540	52 291	128 199	128 199
	Net Claims Paid	752 463	2192 786	1077 356	2193 550
	Add : Claims Outstanding at the end of the year	410 503	5219 862	174 941	5662 345
	Less: Claims Outstanding at the beginning of the year	0	5077 679	0	5760 611
	Total Claims Incurred	1162 966	2334 969	1252 297	2095 284
(3)	ENGINEERING
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	600 836	1105 722	471 482	1047 650
	Less :Re-insurance Ceded to claims paid	46 887	84 563	109 823	150 991
	Net Claims Paid	553 949	1021 159	361 659	896 659
	Add : Claims Outstanding at the end of the year	372 871	6664 405	230 177	6104 572
	Less: Claims Outstanding at the beginning of the year	0	6270 387	0	5647 953
	Total Claims Incurred	926 820	1415 177	591 836	1353 278
(4)	WC
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	22 671	25 287	11 832	40 786
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	22 671	25 287	11 832	40 786
	Add : Claims Outstanding at the end of the year	24 332	97 920	- 588	4 921
	Less: Claims Outstanding at the beginning of the year	0	50 960	0	26 026
	Total Claims Incurred	47 003	72 247	11 244	19 681
(5)	Liability
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	42 396	73 921	25 422	52 826
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	42 396	73 921	25 422	52 826
	Add : Claims Outstanding at the end of the year	-250 841	727 862	56 635	758 249
	Less: Claims Outstanding at the beginning of the year	0	847 295	0	422 978
	Total Claims Incurred	-208 445	-45 512	82 057	388 097
(6)	PA
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	356 211	532 008	250 448	449 323
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	356 211	532 008	250 448	449 323
	Add : Claims Outstanding at the end of the year	-198 304	602 987	56 503	515 577
	Less: Claims Outstanding at the beginning of the year	0	575 808	0	364 462
	Total Claims Incurred	157 907	559 187	306 951	600 438
(7)	Health
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	3171 783	6323 464	3075 969	3663 232
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	3171 783	6323 464	3075 969	3663 232
	Add : Claims Outstanding at the end of the year	-460 129	1293 699	130 870	767 038
	Less: Claims Outstanding at the beginning of the year	0	1858 525	0	508 025
	Total Claims Incurred	2711 654	5758 638	3206 839	3922 245
(8)	Oth. Misc.
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	1336 360	1989 206	1551 780	4258 415
	Less :Re-insurance Ceded to claims paid	17 359	25 055	106 524	106 524
	Net Claims Paid	1319 001	1964 151	1445 256	4151 891
	Add : Claims Outstanding at the end of the year	898 489	6140 347	-391 556	5065 783
	Less: Claims Outstanding at the beginning of the year	0	5314 695	0	5357 199
	Total Claims Incurred	2217 490	2789 803	1053 700	3860 475
(9)	FL/Credit
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	291 755	302 002	403 461	402 960
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	291 755	302 002	403 461	402 960
	Add : Claims Outstanding at the end of the year	1220 724	2935 316	51 055	703 425
	Less: Claims Outstanding at the beginning of the year	0	1645 970	0	652 599
	Total Claims Incurred	1512 479	1591 348	454 516	453 786
	TOTAL  MISCELLANEOUS
	Claims paid
	Direct claims	3 627	7 497	158	158
	Add   :Re-insurance accepted to direct claims	12180 303	20628 420	11664 505	21964 826
	Less :Re-insurance Ceded to claims paid	219 786	161 909	344 545	385 713
	Net Claims Paid	11964 144	20474 008	11320 118	21579 271
	Add : Claims Outstanding at the end of the year	1881 169	57461 309	1536 931	51507 236
	Less: Claims Outstanding at the beginning of the year	0	53374 997	0	49337 805
	Total Claims Incurred	13845 313	24560 320	12857 049	23748 702
C	MARINE INSURANCE
(1)	MARINE CARGO
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	464 568	761 065	665 875	1102 061
	Less :Re-insurance Ceded to claims paid	680	101 377	22 585	22 585
	Net Claims Paid	463 888	659 688	643 290	1079 476
	Add : Claims Outstanding at the end of the year	-170 043	2991 809	144 117	3308 683
	Less: Claims Outstanding at the beginning of the year	0	2686 226	0	3014 794
	Total Claims Incurred	293 845	965 271	787 407	1373 365
(2)	MARINE HULL
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	1744 416	2757 047	798 195	1685 246
	Less :Re-insurance Ceded to claims paid	1033 273	1187 934	161 425	161 733
	Net Claims Paid	711 143	1569 113	636 770	1523 513
	Add : Claims Outstanding at the end of the year	671 775	6757 401	384 325	6536 761
	Less: Claims Outstanding at the beginning of the year	0	6026 679	0	6294 772
	Total Claims Incurred	1382 918	2299 835	1021 095	1765 502
	TOTAL MARINE
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	2208 984	3518 112	1464 070	2787 307
	Less :Re-insurance Ceded to claims paid	1033 953	1289 311	184 010	184 318
	Net Claims Paid	1175 031	2228 801	1280 060	2602 989
	Add : Claims Outstanding at the end of the year	501 732	9749 210	528 442	9845 444
	Less: Claims Outstanding at the beginning of the year	0	8712 905	0	9309 565
	Total Claims Incurred	1676 763	3265 106	1808 502	3138 868
D	LIFE INSURANCE
	Claims paid
	Direct claims	0	0	0	0
	Add   :Re-insurance accepted to direct claims	22 763	31 851	10 276	20 265
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	22 763	31 851	10 276	20 265
	Add : Claims Outstanding at the end of the year	10 303	94 473	24 362	82 398
	Less: Claims Outstanding at the beginning of the year	0	84 062	0	56 600
	Total Claims Incurred	33 066	42 262	34 638	46 063
E	TOTAL ALL CLASSES
	Claims paid
	Direct claims	3 627	7 497	158	158
	Add   :Re-insurance accepted to direct claims	17902 897	29182 564	15298 017	30492 280
	Less :Re-insurance Ceded to claims paid	1508 131	1759 595	1186 573	1633 091
	Net Claims Paid	16398 393	27430 466	14111 602	28859 347
	Add : Claims Outstanding at the end of the year	4923 422	99074 705	5031 081	87302 248
	Less: Claims Outstanding at the beginning of the year	0	89141 574	0	81553 819
	Total Claims Incurred	21321 815	37363 597	19142 683	34607 776