FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 31.12.2013
					(` '000)
	PARTICULARS	FOR THE QUARTER	NINE MONTH ENDING 31.12.2013	FOR THE QUARTER OF THE PRECEDING YEAR	NINE MONTH ENDING31.12.2012
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	7142 719	24286 026	9626 199	23024 685
	Less :Re-insurance Ceded to claims paid	2099 067	4506 001	468 301	2057 067
	Net Claims Paid	5043 652	19780 025	9157 898	20967 618
	Add : Claims Outstanding at the end of the year	-2712 592	74194 591	123 705	69148 323
	Less: Claims Outstanding at the beginning of the year	0	68743 345	0	64612 978
	Total Claims Incurred	2331 060	25231 271	9281 603	25502 963
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	5192 887	19398 669	4004 687	16186 855
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	5192 887	19398 669	4004 687	16186 855
	Add : Claims Outstanding at the end of the year	8239 589	62313 141	-3331 722	52247 544
	Less: Claims Outstanding at the beginning of the year	0	53975 419	0	48480 865
	Total Claims Incurred	13432 476	27736 391	672 965	19953 534
(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	- 419	5 091	0	83
	Add   :Re-insurance accepted to direct claims	858 735	2607 809	1139 746	2707 814
	Less :Re-insurance Ceded to claims paid	148 639	219 616	43 533	306 755
	Net Claims Paid	709 677	2393 284	1096 213	2401 142
	Add : Claims Outstanding at the end of the year	-1015 769	8143 154	956 572	7334 766
	Less: Claims Outstanding at the beginning of the year	0	9253 362	0	6971 868
	Total Claims Incurred	-306 092	1283 076	2052 785	2764 040
(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	1230 461	3235 812	264 001	2089 151
	Less :Re-insurance Ceded to claims paid	11 081	24 442	- 224	58 610
	Net Claims Paid	1219 380	3211 370	264 225	2030 541
	Add : Claims Outstanding at the end of the year	939 077	15413 255	853 393	10360 249
	Less: Claims Outstanding at the beginning of the year	0	10769 022	0	9071 131
	Total Claims Incurred	2158 457	7855 603	1117 618	3319 659
(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	18 506	81 666	26 427	67 609
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	18 506	81 666	26 427	67 609
	Add : Claims Outstanding at the end of the year	-27 879	255 194	69 178	293 289
	Less: Claims Outstanding at the beginning of the year	0	230 487	0	210 407
	Total Claims Incurred	-9 373	106 373	95 605	150 491
(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	107 631	253 267	118 885	411 556
	Less :Re-insurance Ceded to claims paid	0	0	0	391 543
	Net Claims Paid	107 631	253 267	118 885	20 013
	Add : Claims Outstanding at the end of the year	208 301	1563 586	253 123	1245 421
	Less: Claims Outstanding at the beginning of the year	0	1231 056	0	974 245
	Total Claims Incurred	315 932	585 797	372 008	291 189
(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	1404 228	2866 640	596 137	1936 334
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	1404 228	2866 640	596 137	1936 334
	Add : Claims Outstanding at the end of the year	691 074	1696 671	59 847	671 306
	Less: Claims Outstanding at the beginning of the year	0	3452 075	0	514 464
	Total Claims Incurred	2095 302	1111 236	655 984	2093 176
(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	4657 812	11571 293	4130 185	14707 194
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	4657 812	11571 293	4130 185	14707 194
	Add : Claims Outstanding at the end of the year	56 270	7576 443	2426 164	4623 088
	Less: Claims Outstanding at the beginning of the year	0	10014 824	0	6133 249
	Total Claims Incurred	4714 082	9132 912	6556 349	13197 033
(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	3120 731	7209 410	1140 628	4001 298
	Less :Re-insurance Ceded to claims paid	0	2 366	0	10 823
	Net Claims Paid	3120 731	7207 044	1140 628	3990 475
	Add : Claims Outstanding at the end of the year	1081 338	8139 957	4372 926	16963 500
	Less: Claims Outstanding at the beginning of the year	0	10079 799	0	12546 077
	Total Claims Incurred	4202 069	5267 202	5513 554	8407 898
(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	551 191	954 354	89 097	426 735
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	551 191	954 354	89 097	426 735
	Add : Claims Outstanding at the end of the year	-802 145	8407 501	68 205	2566 833
	Less: Claims Outstanding at the beginning of the year	0	3479 268	0	2583 139
	Total Claims Incurred	-250 954	5882 587	157 302	410 429
	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	- 419	5 091	0	83
	Add   :Re-insurance accepted to direct claims	17142 182	48178 920	11509 793	42534 546
	Less :Re-insurance Ceded to claims paid	159 720	246 424	43 309	767 731
	Net Claims Paid	16982 043	47937 587	11466 484	41766 898
	Add : Claims Outstanding at the end of the year	9369 856	113508 902	5727 686	96305 996
	Less: Claims Outstanding at the beginning of the year	0	102485 312	0	87485 445
	Total Claims Incurred	26351 899	58961 177	17194 170	50587 449
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	784 077	2046 223	380 028	2235 294
	Less :Re-insurance Ceded to claims paid	415 214	415 540	14 128	12 475
	Net Claims Paid	368 863	1630 683	365 900	2222 819
	Add : Claims Outstanding at the end of the year	337 119	5757 433	-422 337	4567 875
	Less: Claims Outstanding at the beginning of the year	0	5891 192	0	4999 539
	Total Claims Incurred	705 982	1496 924	-56 437	1791 155
(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	956 331	3378 193	1887 191	3755 126
	Less :Re-insurance Ceded to claims paid	11 736	563 279	243 667	693 793
	Net Claims Paid	944 595	2814 914	1643 524	3061 333
	Add : Claims Outstanding at the end of the year	-35 427	7662 788	-20 392	9409 869
	Less: Claims Outstanding at the beginning of the year	0	7893 011	0	9460 899
	Total Claims Incurred	909 168	2584 691	1623 132	3010 303
	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	1740 408	5424 416	2267 219	5990 420
	Less :Re-insurance Ceded to claims paid	426 950	978 819	257 795	706 268
	Net Claims Paid	1313 458	4445 597	2009 424	5284 152
	Add : Claims Outstanding at the end of the year	301 692	13420 221	-442 729	13977 744
	Less: Claims Outstanding at the beginning of the year	0	13784 203	0	14460 438
	Total Claims Incurred	1615 150	4081 615	1566 695	4801 458
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	139 644	538 824	71 195	244 703
	Less :Re-insurance Ceded to claims paid	18 539	96 528	20 152	27 351
	Net Claims Paid	121 105	442 296	51 043	217 352
	Add : Claims Outstanding at the end of the year	74 728	405 378	-4 311	201 496
	Less: Claims Outstanding at the beginning of the year	0	217 744	0	111 158
	Total Claims Incurred	195 833	629 930	46 732	307 690
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	- 419	5 091	0	83
	Add   :Re-insurance accepted to direct claims	26164 953	78428 186	23474 406	71794 354
	Less :Re-insurance Ceded to claims paid	2704 276	5827 772	789 557	3558 417
	Net Claims Paid	23460 258	72605 505	22684 849	68236 020
	Add : Claims Outstanding at the end of the year	7033 684	201529 092	5404 351	179633 559
	Less: Claims Outstanding at the beginning of the year	0	185230 604	0	166670 019
	Total Claims Incurred	30493 942	88903 993	28089 200	81199 560