FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 31.12.2014
					(Rs '000)
Sr. No.	PARTICULARS	For the quarter ending 31.12.2014	Up to the quarter ending 31.12.2014	For the corresponding quarter of the preceeding year	Up to the Quarter of the prceeding year
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	8976451	25394584	7142719	24286026
	Less :Re-insurance Ceded to claims paid	776785	851689	2099067	4506001
	Net Claims Paid	8199666	24542895	5043652	19780025
	Add : Claims Outstanding at the end of the year	-8148193	73971149	-2712592	74194591
	Less: Claims Outstanding at the beginning of the year	29616	76208072	0	68743345
	Total Claims Incurred	21857	22305972	2331060	25231271
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	5410548	31637264	5192887	19398669
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	5410548	31637264	5192887	19398669
	Add : Claims Outstanding at the end of the year	5858764	49459684	8239589	62313141
	Less: Claims Outstanding at the beginning of the year	0	54058415	0	53975419
	Total Claims Incurred	11269312	27038533	13432476	27736391
(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	4057	-419	5091
	Add   :Re-insurance accepted to direct claims	751487	2284432	858735	2607809
	Less :Re-insurance Ceded to claims paid	0	141052	148639	219616
	Net Claims Paid	751487	2147437	709677	2393284
	Add : Claims Outstanding at the end of the year	1030003	8707210	-1015769	8143154
	Less: Claims Outstanding at the beginning of the year	0	7900822	0	9253362
	Total Claims Incurred	1781490	2953825	-306092	1283076
(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	625246	2424483	1230461	3235812
	Less :Re-insurance Ceded to claims paid	15526	17116	11081	24442
	Net Claims Paid	609720	2407367	1219380	3211370
	Add : Claims Outstanding at the end of the year	1548273	21482001	939077	15413255
	Less: Claims Outstanding at the beginning of the year	0	17748578	0	10769022
	Total Claims Incurred	2157993	6140790	2158457	7855603
(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	15619	47773	18506	81666
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	15619	47773	18506	81666
	Add : Claims Outstanding at the end of the year	-11830	206288	-27879	255194
	Less: Claims Outstanding at the beginning of the year	0	163235	0	230487
	Total Claims Incurred	3789	90826	-9373	106373
(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	96953	209587	107631	253267
	Less :Re-insurance Ceded to claims paid	32798	32798	0	0
	Net Claims Paid	64155	176789	107631	253267
	Add : Claims Outstanding at the end of the year	-64758	1376336	208301	1563586
	Less: Claims Outstanding at the beginning of the year	-29616	1842666	0	1231056
	Total Claims Incurred	29013	-289541	315932	585797
(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	480278	1738138	1404228	2866640
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	480278	1738138	1404228	2866640
	Add : Claims Outstanding at the end of the year	134170	1135270	691074	1696671
	Less: Claims Outstanding at the beginning of the year	0	2406549	0	3452075
	Total Claims Incurred	614448	466859	2095302	1111236
(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	5667133	12564501	4657812	11571293
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	5667133	12564501	4657812	11571293
	Add : Claims Outstanding at the end of the year	-65609	8854069	56270	7576443
	Less: Claims Outstanding at the beginning of the year	0	9158105	0	10014824
	Total Claims Incurred	5601524	12260465	4714082	9132912
(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	3159232	7194129	3120731	7209410
	Less :Re-insurance Ceded to claims paid	0	0	0	2366
	Net Claims Paid	3159232	7194129	3120731	7207044
	Add : Claims Outstanding at the end of the year	1162024	8208020	1081338	8139957
	Less: Claims Outstanding at the beginning of the year	0	10337916	0	10079799
	Total Claims Incurred	4321256	5064233	4202069	5267202
(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	198481	683576	551191	954354
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	198481	683576	551191	954354
	Add : Claims Outstanding at the end of the year	122030	4522648	-802145	8407501
	Less: Claims Outstanding at the beginning of the year	0	5885222	0	3479268
	Total Claims Incurred	320511	-678998	-250954	5882587
	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	4057	-419	5091
	Add   :Re-insurance accepted to direct claims	16404977	58783883	17142182	48178920
	Less :Re-insurance Ceded to claims paid	48324	190965	159720	246424
	Net Claims Paid	16356653	58596975	16982043	47937587
	Add : Claims Outstanding at the end of the year	9713067	103951526	9369856	113508902
	Less: Claims Outstanding at the beginning of the year	-29616	109501508	0	102485312
	Total Claims Incurred	26099336	53046993	26351899	58961177
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	459576	1568764	784077	2046223
	Less :Re-insurance Ceded to claims paid	-9	130	415214	415540
	Net Claims Paid	459585	1568634	368863	1630683
	Add : Claims Outstanding at the end of the year	109796	5071963	337119	5757433
	Less: Claims Outstanding at the beginning of the year	0	5225659	0	5891192
	Total Claims Incurred	569381	1414937	705982	1496924
(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	999719	3106359	956331	3378193
	Less :Re-insurance Ceded to claims paid	149852	198088	11736	563279
	Net Claims Paid	849867	2908271	944595	2814914
	Add : Claims Outstanding at the end of the year	1189237	8845304	-35427	7662788
	Less: Claims Outstanding at the beginning of the year	0	7238539	0	7893011
	Total Claims Incurred	2039104	4515036	909168	2584691
	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	1459295	4675123	1740408	5424416
	Less :Re-insurance Ceded to claims paid	149843	198218	426950	978819
	Net Claims Paid	1309452	4476905	1313458	4445597
	Add : Claims Outstanding at the end of the year	1299033	13917267	301692	13420221
	Less: Claims Outstanding at the beginning of the year	0	12464198	0	13784203
	Total Claims Incurred	2608485	5929974	1615150	4081615
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	116673	579311	139644	538824
	Less :Re-insurance Ceded to claims paid	25781	205714	18539	96528
	Net Claims Paid	90892	373597	121105	442296
	Add : Claims Outstanding at the end of the year	42885	564360	74728	405378
	Less: Claims Outstanding at the beginning of the year	0	595087	0	217744
	Total Claims Incurred	133777	342870	195833	629930
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	4057	-419	5091
	Add   :Re-insurance accepted to direct claims	26957396	89432901	26164953	78428186
	Less :Re-insurance Ceded to claims paid	1000733	1446586	2704276	5827772
	Net Claims Paid	25956663	87990372	23460258	72605505
	Add : Claims Outstanding at the end of the year	2906792	192404302	7033684	201529092
	Less: Claims Outstanding at the beginning of the year	0	198768865	0	185230604
	Total Claims Incurred	28863455	81625809	30493942	88903993