FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 31.03.2013					(` '000)
	PARTICULARS	FOR THE QUARTER	TWELVE MONTH ENDING 31.03.2013	FOR THE QUARTER OF THE PRECEDING YEAR	TWELVE MONTH ENDING 31.03.2012
-	-	(Rs. '000)	(Rs. '000)	(Rs. '000)	(Rs. '000)
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	7370 941	30402 101	9379 035	23970 278
	Less :Re-insurance Ceded to claims paid	2411 578	4468 888	1525 796	1968 193
	Net Claims Paid	4959 363	25933 213	7853 239	22002 085
	Add : Claims Outstanding at the end of the year	-404 978	68743 345	10212 190	64612 978
	Less: Claims Outstanding at the beginning of the year	0	64612 978	0	34311 102
	Total Claims Incurred	4554 385	30063 580	18065 429	52303 961
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	6223 284	22412 192	7847 107	22914 760
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	6223 284	22412 192	7847 107	22914 760
	Add : Claims Outstanding at the end of the year	1727 875	53975 419	-407 418	48480 865
	Less: Claims Outstanding at the beginning of the year	0	48480 865	- 1	40251 415
	Total Claims Incurred	7951 159	27906 746	7439 690	31144 210
(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	3 115	3 332
	Add   :Re-insurance accepted to direct claims	778 027	3486 084	1254 486	4196 542
	Less :Re-insurance Ceded to claims paid	179 124	485 879	415 009	642 016
	Net Claims Paid	598 903	3000 288	842 592	3557 858
	Add : Claims Outstanding at the end of the year	1918 595	9253 362	421 488	6971 867
	Less: Claims Outstanding at the beginning of the year	0	6971 868	- 1	5305 467
	Total Claims Incurred	2517 498	5281 782	1264 081	5224 258
(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	728 900	2818 570	1232 571	2804 199
	Less :Re-insurance Ceded to claims paid	-34 014	24 596	141 386	167 199
	Net Claims Paid	762 914	2793 974	1091 185	2637 000
	Add : Claims Outstanding at the end of the year	408 773	10769 022	1500 243	9071 131
	Less: Claims Outstanding at the beginning of the year	0	9071 131	0	6620 777
	Total Claims Incurred	1171 687	4491 865	2591 428	5087 354
(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	24 714	92 323	29 909	71 593
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	24 714	92 323	29 909	71 593
	Add : Claims Outstanding at the end of the year	-62 802	230 487	169 747	210 407
	Less: Claims Outstanding at the beginning of the year	0	210 407	- 1	100 365
	Total Claims Incurred	-38 088	112 403	199 657	181 635
(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	23 123	434 785	240 252	504 122
	Less :Re-insurance Ceded to claims paid	0	391 543	0	0
	Net Claims Paid	23 123	43 242	240 252	504 122
	Add : Claims Outstanding at the end of the year	-14 365	1231 056	267 128	974 245
	Less: Claims Outstanding at the beginning of the year	0	974 245	0	636 110
	Total Claims Incurred	8 758	300 053	507 380	842 257
(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	1410 807	3347 145	624 109	2476 668
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	1410 807	3347 145	624 109	2476 668
	Add : Claims Outstanding at the end of the year	2780 769	3452 075	73 954	514 464
	Less: Claims Outstanding at the beginning of the year	0	514 464	0	651 469
	Total Claims Incurred	4191 576	6284 756	698 063	2339 663
(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	5016 201	19728 337	5429 699	14260 254
	Less :Re-insurance Ceded to claims paid	0	0	7	7
	Net Claims Paid	5016 201	19728 337	5429 692	14260 247
	Add : Claims Outstanding at the end of the year	5391 736	10014 824	1864 080	6133 249
	Less: Claims Outstanding at the beginning of the year	0	6133 249	0	1968 987
	Total Claims Incurred	10407 937	23609 912	7293 772	18424 509
(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	1363 566	5365 024	1020 832	5026 757
	Less :Re-insurance Ceded to claims paid	-14 730	-3 907	12 053	14 496
	Net Claims Paid	1378 296	5368 931	1008 779	5012 261
	Add : Claims Outstanding at the end of the year	-6883 701	10079 799	3418 176	12546 077
	Less: Claims Outstanding at the beginning of the year	0	12546 077	0	6537 537
	Total Claims Incurred	-5505 405	2902 653	4426 955	11020 801
(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	594 234	1020 969	529 320	763 274
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	594 234	1020 969	529 320	763 274
	Add : Claims Outstanding at the end of the year	912 435	3479 268	97 645	2583 139
	Less: Claims Outstanding at the beginning of the year	0	2583 139	0	2869 514
	Total Claims Incurred	1506 669	1917 098	626 965	476 899
	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	3 115	3 332
	Add   :Re-insurance accepted to direct claims	16162 856	58705 429	18208 285	53018 169
	Less :Re-insurance Ceded to claims paid	130 380	898 111	568 455	823 718
	Net Claims Paid	16032 476	57807 401	17642 945	52197 783
	Add : Claims Outstanding at the end of the year	6179 315	102485 312	7405 043	87485 444
	Less: Claims Outstanding at the beginning of the year	0	87485 445	- 3	64941 641
	Total Claims Incurred	22211 791	72807 268	25047 991	74741 586
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	797 344	3033 246	1052 535	2939 318
	Less :Re-insurance Ceded to claims paid	140	12 615	-2 365	4 540
	Net Claims Paid	797 204	3020 631	1054 900	2934 778
	Add : Claims Outstanding at the end of the year	1323 317	5891 192	-61 998	4999 539
	Less: Claims Outstanding at the beginning of the year	0	4999 539	0	4006 594
	Total Claims Incurred	2120 521	3912 284	992 902	3927 723
(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	920 292	4676 827	2228 217	4697 624
	Less :Re-insurance Ceded to claims paid	254 334	948 127	192 532	561 191
	Net Claims Paid	665 958	3728 700	2035 685	4136 433
	Add : Claims Outstanding at the end of the year	-1516 858	7893 011	2367 042	9460 899
	Less: Claims Outstanding at the beginning of the year	0	9460 899	0	4881 945
	Total Claims Incurred	-850 900	2160 812	4402 727	8715 387
	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	1717 636	7710 073	3280 752	7636 942
	Less :Re-insurance Ceded to claims paid	254 474	960 742	190 167	565 731
	Net Claims Paid	1463 162	6749 331	3090 585	7071 211
	Add : Claims Outstanding at the end of the year	-193 541	13784 203	2305 044	14460 438
	Less: Claims Outstanding at the beginning of the year	0	14460 438	0	8888 539
	Total Claims Incurred	1269 621	6073 096	5395 629	12643 110
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	165 114	409 817	87 520	224 187
	Less :Re-insurance Ceded to claims paid	9 621	36 972	555	1 447
	Net Claims Paid	155 493	372 845	86 965	222 740
	Add : Claims Outstanding at the end of the year	16 247	217 743	32 392	111 158
	Less: Claims Outstanding at the beginning of the year	0	111 158	0	158 475
	Total Claims Incurred	171 740	479 430	119 357	175 423
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	3 115	3 332
	Add   :Re-insurance accepted to direct claims	25416 547	97227 420	30955 592	84849 576
	Less :Re-insurance Ceded to claims paid	2806 053	6364 713	2284 973	3359 089
	Net Claims Paid	22610 494	90862 790	28673 734	81493 819
	Add : Claims Outstanding at the end of the year	5597 043	185230 603	19954 669	166670 018
	Less: Claims Outstanding at the beginning of the year	0	166670 019	- 3	108299 757
	Total Claims Incurred	28207 537	109423 374	48628 406	139864 080