FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA
FOR THE PERIOD ENDED 31.03.2014 CLAIMS INCURRED [NET]
			(` '000)
	PARTICULARS	TWELVE MONTH ENDING 31.03.2014	TWELVE MONTH ENDING 31.03.2013
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	36648124	30402101
	Less :Re-insurance Ceded to claims paid	6756140	4468888
	Net Claims Paid	29891984	25933213
	Add : Claims Outstanding at the end of the year	76208072	68743345
	Less: Claims Outstanding at the beginning of the year	68743345	64612978
	Total Claims Incurred	37356711	30063580
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	28847032	22412192
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	28847032	22412192
	Add : Claims Outstanding at the end of the year	54058415	53975419
	Less: Claims Outstanding at the beginning of the year	53975419	48480865
	Total Claims Incurred	28930028	27906746
(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	5497	83
	Add   :Re-insurance accepted to direct claims	3633909	3486084
	Less :Re-insurance Ceded to claims paid	297654	485879
	Net Claims Paid	3341752	3000288
	Add : Claims Outstanding at the end of the year	7900822	9253362
	Less: Claims Outstanding at the beginning of the year	9253362	6971868
	Total Claims Incurred	1989212	5281782
(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	4674887	2818570
	Less :Re-insurance Ceded to claims paid	47354	24596
	Net Claims Paid	4627533	2793974
	Add : Claims Outstanding at the end of the year	17748578	10769022
	Less: Claims Outstanding at the beginning of the year	10769022	9071131
	Total Claims Incurred	11607089	4491865
(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	114384	92323
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	114384	92323
	Add : Claims Outstanding at the end of the year	163235	230487
	Less: Claims Outstanding at the beginning of the year	230487	210407
	Total Claims Incurred	47132	112403
(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	295989	434785
	Less :Re-insurance Ceded to claims paid	0	391543
	Net Claims Paid	295989	43242
	Add : Claims Outstanding at the end of the year	1842666	1231056
	Less: Claims Outstanding at the beginning of the year	1231056	974245
	Total Claims Incurred	907599	300053
(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	3850128	3347145
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	3850128	3347145
	Add : Claims Outstanding at the end of the year	2406549	3452075
	Less: Claims Outstanding at the beginning of the year	3452075	514464
	Total Claims Incurred	2804602	6284756
(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	16018914	19728337
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	16018914	19728337
	Add : Claims Outstanding at the end of the year	9158105	10014824
	Less: Claims Outstanding at the beginning of the year	10014824	6133249
	Total Claims Incurred	15162195	23609912
(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	11169563	5365024
	Less :Re-insurance Ceded to claims paid	2728	-3907
	Net Claims Paid	11166835	5368931
	Add : Claims Outstanding at the end of the year	10337916	10079799
	Less: Claims Outstanding at the beginning of the year	10079799	12546077
	Total Claims Incurred	11424952	2902653
(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	1813750	1020969
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	1813750	1020969
	Add : Claims Outstanding at the end of the year	5885222	3479268
	Less: Claims Outstanding at the beginning of the year	3479268	2583139
	Total Claims Incurred	4219704	1917098
	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	5497	83
	Add   :Re-insurance accepted to direct claims	70418556	58705429
	Less :Re-insurance Ceded to claims paid	347736	898111
	Net Claims Paid	70076317	57807401
	Add : Claims Outstanding at the end of the year	109501508	102485312
	Less: Claims Outstanding at the beginning of the year	102485312	87485445
	Total Claims Incurred	77092513	72807268
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	2892339	3033246
	Less :Re-insurance Ceded to claims paid	415860	12615
	Net Claims Paid	2476479	3020631
	Add : Claims Outstanding at the end of the year	5225659	5891192
	Less: Claims Outstanding at the beginning of the year	5891192	4999539
	Total Claims Incurred	1810946	3912284
(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	5230616	4676827
	Less :Re-insurance Ceded to claims paid	765813	948127
	Net Claims Paid	4464803	3728700
	Add : Claims Outstanding at the end of the year	7238540	7893011
	Less: Claims Outstanding at the beginning of the year	7893011	9460899
	Total Claims Incurred	3810332	2160812
	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	8122955	7710073
	Less :Re-insurance Ceded to claims paid	1181673	960742
	Net Claims Paid	6941282	6749331
	Add : Claims Outstanding at the end of the year	12464199	13784203
	Less: Claims Outstanding at the beginning of the year	13784203	14460438
	Total Claims Incurred	5621278	6073096
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	769313	409817
	Less :Re-insurance Ceded to claims paid	144216	36972
	Net Claims Paid	625097	372845
	Add : Claims Outstanding at the end of the year	595087	217743
	Less: Claims Outstanding at the beginning of the year	217744	111158
	Total Claims Incurred	1002440	479430
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	5497	83
	Add   :Re-insurance accepted to direct claims	115958948	97227420
	Less :Re-insurance Ceded to claims paid	8429765	6364713
	Net Claims Paid	107534680	90862790
	Add : Claims Outstanding at the end of the year	198768866	185230603
	Less: Claims Outstanding at the beginning of the year	185230604	166670019
	Total Claims Incurred	121072942	109423374