FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA
FOR THE PERIOD ENDED 31.03.2013 CLAIMS INCURRED [NET]
			(` '000)
	PARTICULARS	TWELVE MONTH ENDING 31.03.2013	TWELVE MONTH ENDING 31.03.2012
A	FIRE INSURANCE
	Commission paid
	Direct
	Add: Re-insurance Accepted
	Less: Commission on Re-insurance Ceded
	Net Commission
	Break-up of the expenses (Gross) incurred to procure business to be furnished as per details indicated below:	30402 101	23970 278
	Agents	4468 888	1968 193
	Brokers	25933 213	22002 085
	Corporate Agency	68743 345	64612 978
	Referral	64612 978	34311 102
	Others (pl. specify)	64612 978	34311 102
	TOTAL (B)	30063 580	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	22412 192	22914 760
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	22412 192	22914 760
	Add : Claims Outstanding at the end of the year	53975 419	48480 865
	Less: Claims Outstanding at the beginning of the year	48480 865	40251 415
	Total Claims Incurred	27906 746	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	83	3 332
	Add   :Re-insurance accepted to direct claims	3486 084	4196 542
	Less :Re-insurance Ceded to claims paid	485 879	642 016
	Net Claims Paid	3000 288	3557 858
	Add : Claims Outstanding at the end of the year	9253 362	6971 867
	Less: Claims Outstanding at the beginning of the year	6971 868	5305 467
	Total Claims Incurred	5281 782	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	2818 570	2804 199
	Less :Re-insurance Ceded to claims paid	24 596	167 199
	Net Claims Paid	2793 974	2637 000
	Add : Claims Outstanding at the end of the year	10769 022	9071 131
	Less: Claims Outstanding at the beginning of the year	9071 131	6620 777
	Total Claims Incurred	4491 865	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	92 323	71 593
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	92 323	71 593
	Add : Claims Outstanding at the end of the year	230 487	210 407
	Less: Claims Outstanding at the beginning of the year	210 407	100 365
	Total Claims Incurred	112 403	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	434 785	504 122
	Less :Re-insurance Ceded to claims paid	391 543	0
	Net Claims Paid	43 242	504 122
	Add : Claims Outstanding at the end of the year	1231 056	974 245
	Less: Claims Outstanding at the beginning of the year	974 245	636 110
	Total Claims Incurred	300 053	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	3347 145	2476 668
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	3347 145	2476 668
	Add : Claims Outstanding at the end of the year	3452 075	514 464
	Less: Claims Outstanding at the beginning of the year	514 464	651 469
	Total Claims Incurred	6284 756	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	19728 337	14260 254
	Less :Re-insurance Ceded to claims paid	0	7
	Net Claims Paid	19728 337	14260 247
	Add : Claims Outstanding at the end of the year	10014 824	6133 249
	Less: Claims Outstanding at the beginning of the year	6133 249	1968 987
	Total Claims Incurred	23609 912	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	5365 024	5026 757
	Less :Re-insurance Ceded to claims paid	-3 907	14 496
	Net Claims Paid	5368 931	5012 261
	Add : Claims Outstanding at the end of the year	10079 799	12546 077
	Less: Claims Outstanding at the beginning of the year	12546 077	6537 537
	Total Claims Incurred	2902 653	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	1020 969	763 274
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	1020 969	763 274
	Add : Claims Outstanding at the end of the year	3479 268	2583 139
	Less: Claims Outstanding at the beginning of the year	2583 139	2869 514
	Total Claims Incurred	1917 098	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	83	3 332
	Add   :Re-insurance accepted to direct claims	58705 429	53018 169
	Less :Re-insurance Ceded to claims paid	898 111	823 718
	Net Claims Paid	57807 401	52197 783
	Add : Claims Outstanding at the end of the year	102485 312	87485 444
	Less: Claims Outstanding at the beginning of the year	87485 445	64941 641
	Total Claims Incurred	72807 268	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	3033 246	2939 318
	Less :Re-insurance Ceded to claims paid	12 615	4 540
	Net Claims Paid	3020 631	2934 778
	Add : Claims Outstanding at the end of the year	5891 192	4999 539
	Less: Claims Outstanding at the beginning of the year	4999 539	4006 594
	Total Claims Incurred	3912 284	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	4676 827	4697 624
	Less :Re-insurance Ceded to claims paid	948 127	561 191
	Net Claims Paid	3728 700	4136 433
	Add : Claims Outstanding at the end of the year	7893 011	9460 899
	Less: Claims Outstanding at the beginning of the year	9460 899	4881 945
	Total Claims Incurred	2160 812	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	7710 073	7636 942
	Less :Re-insurance Ceded to claims paid	960 742	565 731
	Net Claims Paid	6749 331	7071 211
	Add : Claims Outstanding at the end of the year	13784 203	14460 438
	Less: Claims Outstanding at the beginning of the year	14460 438	8888 539
	Total Claims Incurred	6073 096	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	409 817	224 187
	Less :Re-insurance Ceded to claims paid	36 972	1 447
	Net Claims Paid	372 845	222 740
	Add : Claims Outstanding at the end of the year	217 743	111 158
	Less: Claims Outstanding at the beginning of the year	111 158	158 475
	Total Claims Incurred	479 430	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	83	3 332
	Add   :Re-insurance accepted to direct claims	97227 420	84849 576
	Less :Re-insurance Ceded to claims paid	6364 713	3359 089
	Net Claims Paid	90862 790	81493 819
	Add : Claims Outstanding at the end of the year	185230 603	166670 018
	Less: Claims Outstanding at the beginning of the year	166670 019	108299 757
	Total Claims Incurred	109423 374	139864 080