FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA 
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 31.12.2012
. . . . . (Rs '000) .
. PARTICULARS FOR THE QUARTER NINE MONTH ENDING 31.12.2012 FOR THE QUARTER OF THE PRECEDING YEAR NINE MONTH ENDING 31.12.2011 .
A FIRE INSURANCE . . . . .
  Claims paid . . . . .
  Direct claims . . . . .
  Add Claims Outstanding at the end of the year . . . . .
  Less Claims Outstanding at the beginning of the year . . . . .
  Gross Incurred Claims . . . . .
  Add   :Re-insurance accepted to direct claims 9626 199 23024 686 6197 168 14591 243 .
  Less :Re-insurance Ceded to claims paid 468 301 2057 067 94 507 442 397 .
  Net Claims Paid 9157 898 20967 619 6102 661 14148 846 .
  Add : Claims Outstanding at the end of the year 123 705 69148 323 10272 201 54400 788 .
  Less: Claims Outstanding at the beginning of the year  0 64612 978  0 34311 102 .
  Total Claims Incurred 9281 603 25502 964 16374 862 34238 532 .
Notes:           .
a)       Incurred But Not Reported (IBNR), Incurred but not enough reported [IBNER] claims should be included in the amount for outstanding claims. .
b)      Claims includes specific claims settlement cost but not expenses of management     .
c)       The surveyor fees, legal and other expenses shall also form part of claims cost.     .
d)       Claims cost should be adjusted for estimated salvage value if there is a sufficient certainty of its realisation.   .
B MISCELLANEOUS INSURANCE . . . . .
(1) MOTOR         .
  Claims paid . . .   .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 4004 687 16186 856 4878 410 15067 653 .
  Less :Re-insurance Ceded to claims paid  0  0  0  0 .
  Net Claims Paid 4004 687 16186 856 4878 410 15067 653 .
  Add : Claims Outstanding at the end of the year -3331 722 52247 544 7411 527 48888 283 .
  Less: Claims Outstanding at the beginning of the year  0 48480 865  0 40251 416 .
  Total Claims Incurred 672 965 19953 535 12289 937 23704 520 .
(2) AVIATION . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims  0  83  0  217 .
  Add   :Re-insurance accepted to direct claims 1139 746 2707 814 1115 887 2942 056 .
  Less :Re-insurance Ceded to claims paid 43 533 306 755 111 724 227 007 .
  Net Claims Paid 1096 213 2401 142 1004 163 2715 266 .
  Add : Claims Outstanding at the end of the year 956 572 7334 767 561 407 6550 379 .
  Less: Claims Outstanding at the beginning of the year  0 6971 868  0 5305 468 .
  Total Claims Incurred 2052 785 2764 041 1565 570 3960 177 .
(3) ENGINEERING . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims         .
  Add   :Re-insurance accepted to direct claims 264 001 2089 151 552 145 1571 628 .
  Less :Re-insurance Ceded to claims paid - 224 58 610 26 777 25 813 .
  Net Claims Paid 264 225 2030 541 525 368 1545 815 .
  Add : Claims Outstanding at the end of the year 853 393 10360 249 353 296 7570 888 .
  Less: Claims Outstanding at the beginning of the year  0 9071 131  0 6620 777 .
  Total Claims Incurred 1117 618 3319 659 878 664 2495 926 .
(4) WC . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 26 427 67 609 5 661 41 684 .
  Less :Re-insurance Ceded to claims paid  0  0  0  0 .
  Net Claims Paid 26 427 67 609 5 661 41 684 .
  Add : Claims Outstanding at the end of the year 69 178 293 289 -15 628 40 660 .
  Less: Claims Outstanding at the beginning of the year  0 210 407  0 100 366 .
  Total Claims Incurred 95 605 150 491 -9 967 -18 022 .
(5) Liability . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 118 885 411 556 47 373 263 870 .
  Less :Re-insurance Ceded to claims paid  0 391 543  0  0 .
  Net Claims Paid 118 885 20 013 47 373 263 870 .
  Add : Claims Outstanding at the end of the year 253 123 1245 421 58 658 707 117 .
  Less: Claims Outstanding at the beginning of the year  0 974 245  0 636 110 .
  Total Claims Incurred 372 008 291 189 106 031 334 877 .
(6) PA . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 596 137 1936 334 688 765 1852 559 .
  Less :Re-insurance Ceded to claims paid  0  0  0  0 .
  Net Claims Paid 596 137 1936 334 688 765 1852 559 .
  Add : Claims Outstanding at the end of the year 59 847 671 306 -93 272 440 510 .
  Less: Claims Outstanding at the beginning of the year  0 514 464  0 651 469 .
  Total Claims Incurred 655 984 2093 176 595 493 1641 600 .
(7) Health . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 4130 185 14707 194 2063 999 8830 555 .
  Less :Re-insurance Ceded to claims paid  0  0  0  0 .
  Net Claims Paid 4130 185 14707 194 2063 999 8830 555 .
  Add : Claims Outstanding at the end of the year 2426 164 4623 088 2383 377 4269 169 .
  Less: Claims Outstanding at the beginning of the year  0 6133 249  0 1968 987 .
  Total Claims Incurred 6556 349 13197 033 4447 376 11130 737 .
(8) Oth. Misc. . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 1140 628 4001 298 2261 135 4005 925 .
  Less :Re-insurance Ceded to claims paid  0 10 823 2 556 2 443 .
  Net Claims Paid 1140 628 3990 475 2258 579 4003 482 .
  Add : Claims Outstanding at the end of the year 4372 926 16963 500 9 385 9127 901 .
  Less: Claims Outstanding at the beginning of the year  0 12546 077  0 6537 537 .
  Total Claims Incurred 5513 554 8407 898 2267 964 6593 846 .
(9) FL/Credit . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 89 097 426 735 289 788 233 954 .
  Less :Re-insurance Ceded to claims paid  0  0  0  0 .
  Net Claims Paid 89 097 426 735 289 788 233 954 .
  Add : Claims Outstanding at the end of the year 68 205 2566 833 -653 544 2485 494 .
  Less: Claims Outstanding at the beginning of the year  0 2583 139  0 2869 514 .
  Total Claims Incurred 157 302 410 429 -363 756 -150 066 .
TOTAL  MISCELLANEOUS . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims  0  83  0  217 .
  Add   :Re-insurance accepted to direct claims 11509 793 42534 547 11903 163 34809 884 .
  Less :Re-insurance Ceded to claims paid 43 309 767 731 141 057 255 263 .
  Net Claims Paid 11466 484 41766 899 11762 106 34554 838 .
  Add : Claims Outstanding at the end of the year 5727 686 96305 997 10015 206 80080 401 .
  Less: Claims Outstanding at the beginning of the year  0 87485 445  0 64941 644 .
  Total Claims Incurred 17194 170 50587 451 21777 312 49693 595 .
C MARINE INSURANCE . . . . .
(1) MARINE CARGO . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 380 028 2235 294 756 636 1886 783 .
  Less :Re-insurance Ceded to claims paid 14 128 12 475 6 905 6 905 .
  Net Claims Paid 365 900 2222 819 749 731 1879 878 .
  Add : Claims Outstanding at the end of the year -422 337 4567 875 623 204 5061 537 .
  Less: Claims Outstanding at the beginning of the year  0 4999 539  0 4006 594 .
  Total Claims Incurred -56 437 1791 155 1372 935 2934 821 .
(2) MARINE HULL . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 1887 191 3755 126 830 036 2469 407 .
  Less :Re-insurance Ceded to claims paid 243 667 693 793 86 002 368 659 .
  Net Claims Paid 1643 524 3061 333 744 034 2100 748 .
  Add : Claims Outstanding at the end of the year -20 392 9409 869 1604 398 7093 857 .
  Less: Claims Outstanding at the beginning of the year  0 9460 899  0 4881 945 .
  Total Claims Incurred 1623 132 3010 303 2348 432 4312 660 .
TOTAL MARINE  . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 2267 219 5990 420 1586 672 4356 190 .
  Less :Re-insurance Ceded to claims paid 257 795 706 268 92 907 375 564 .
  Net Claims Paid 2009 424 5284 152 1493 765 3980 626 .
  Add : Claims Outstanding at the end of the year -442 729 13977 744 2227 602 12155 394 .
  Less: Claims Outstanding at the beginning of the year  0 14460 438  0 8888 539 .
  Total Claims Incurred 1566 695 4801 458 3721 367 7247 481 .
D LIFE INSURANCE . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims . . .   .
  Add   :Re-insurance accepted to direct claims 71 195 244 703 47 392 136 667 .
  Less :Re-insurance Ceded to claims paid 20 152 27 351  892  892 .
  Net Claims Paid 51 043 217 352 46 500 135 775 .
  Add : Claims Outstanding at the end of the year -4 311 201 496 20 926 78 766 .
  Less: Claims Outstanding at the beginning of the year  0 111 158  0 158 475 .
  Total Claims Incurred 46 732 307 690 67 426 56 066 .
E TOTAL ALL CLASSES . . . . .
  Claims paid         .
  Direct claims . . .   .
  Add Claims Outstanding at the end of the year . . .   .
  Less Claims Outstanding at the beginning of the year . . .   .
  Gross Incurred Claims  0  83  0  217 .
  Add   :Re-insurance accepted to direct claims 23474 406 71794 356 19734 395 53893 984 .
  Less :Re-insurance Ceded to claims paid 789 557 3558 417 329 363 1074 116 .
  Net Claims Paid 22684 849 68236 022 19405 032 52820 085 .
  Add : Claims Outstanding at the end of the year 5404 351 179633 560 22535 935 146715 349 .
  Less: Claims Outstanding at the beginning of the year  0 166670 019  0 108299 760 .
  Total Claims Incurred 28089 200 81199 563 41940 967 91235 674 .