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	For the year ended 31.03.2015	For the year ended 31.03.2014
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	36728178	36648124
	Less :Re-insurance Ceded to claims paid	1563411	6756140
	Net Claims Paid	35164767	29891984
	Add : Claims Outstanding at the end of the year	67582224	76208072
	Less: Claims Outstanding at the beginning of the year	76208072	68743345
	Total Claims Incurred	26538919	37356711
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	41344945	28847032
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	41344945	28847032
	Add : Claims Outstanding at the end of the year	51587884	54058415
	Less: Claims Outstanding at the beginning of the year	54058415	53975419
	Total Claims Incurred	38874414	28930028
(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	4057	5497
	Add   :Re-insurance accepted to direct claims	3324259	3633909
	Less :Re-insurance Ceded to claims paid	143556	297654
	Net Claims Paid	3184760	3341752
	Add : Claims Outstanding at the end of the year	8803936	7900822
	Less: Claims Outstanding at the beginning of the year	7900822	9253362
	Total Claims Incurred	4087874	1989212
(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	3889855	4674887
	Less :Re-insurance Ceded to claims paid	17234	47354
	Net Claims Paid	3872621	4627533
	Add : Claims Outstanding at the end of the year	18382485	17748578
	Less: Claims Outstanding at the beginning of the year	17748578	10769022
	Total Claims Incurred	4506528	11607089
(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	79206	114384
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	79206	114384
	Add : Claims Outstanding at the end of the year	161463	163235
	Less: Claims Outstanding at the beginning of the year	163235	230487
	Total Claims Incurred	77434	47132
(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	243887	295989
	Less :Re-insurance Ceded to claims paid	38252	0
	Net Claims Paid	205635	295989
	Add : Claims Outstanding at the end of the year	1579545	1842666
	Less: Claims Outstanding at the beginning of the year	1842666	1231056
	Total Claims Incurred	-57486	907599
(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	2586724	3850128
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	2586724	3850128
	Add : Claims Outstanding at the end of the year	1888768	2406549
	Less: Claims Outstanding at the beginning of the year	2406549	3452075
	Total Claims Incurred	2068943	2804602
(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	17748458	16018914
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	17748458	16018914
	Add : Claims Outstanding at the end of the year	12700829	9158105
	Less: Claims Outstanding at the beginning of the year	9158105	10014824
	Total Claims Incurred	21291182	15162195
(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	9320071	11169563
	Less :Re-insurance Ceded to claims paid	0	2728
	Net Claims Paid	9320071	11166835
	Add : Claims Outstanding at the end of the year	9707154	10337916
	Less: Claims Outstanding at the beginning of the year	10337916	10079799
	Total Claims Incurred	8689309	11424952
(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	1225730	1813750
	Less :Re-insurance Ceded to claims paid	0	0
	Net Claims Paid	1225730	1813750
	Add : Claims Outstanding at the end of the year	6648242	5885222
	Less: Claims Outstanding at the beginning of the year	5885222	3479268
	Total Claims Incurred	1988750	4219704
	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	4057	5497
	Add   :Re-insurance accepted to direct claims	79763135	70418556
	Less :Re-insurance Ceded to claims paid	199042	347736
	Net Claims Paid	79568150	70076317
	Add : Claims Outstanding at the end of the year	111460306	109501508
	Less: Claims Outstanding at the beginning of the year	109501508	102485312
	Total Claims Incurred	81526948	77092513
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	3274157	2892339
	Less :Re-insurance Ceded to claims paid	62823	415860
	Net Claims Paid	3211334	2476479
	Add : Claims Outstanding at the end of the year	5556870	5225659
	Less: Claims Outstanding at the beginning of the year	5225659	5891192
	Total Claims Incurred	3542545	1810946
(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	4242795	5230616
	Less :Re-insurance Ceded to claims paid	309043	765813
	Net Claims Paid	3933752	4464803
	Add : Claims Outstanding at the end of the year	9681428	7238540
	Less: Claims Outstanding at the beginning of the year	7238540	7893011
	Total Claims Incurred	6376640	3810332
	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	7516952	8122955
	Less :Re-insurance Ceded to claims paid	371866	1181673
	Net Claims Paid	7145086	6941282
	Add : Claims Outstanding at the end of the year	15238298	12464199
	Less: Claims Outstanding at the beginning of the year	12464199	13784203
	Total Claims Incurred	9919185	5621278
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	995129	769313
	Less :Re-insurance Ceded to claims paid	321318	144216
	Net Claims Paid	673811	625097
	Add : Claims Outstanding at the end of the year	853942	595087
	Less: Claims Outstanding at the beginning of the year	595087	217744
	Total Claims Incurred	932666	1002440
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	4057	5497
	Add   :Re-insurance accepted to direct claims	125003394	115958948
	Less :Re-insurance Ceded to claims paid	2455637	8429765
	Net Claims Paid	122551814	107534680
	Add : Claims Outstanding at the end of the year	195134770	198768866
	Less: Claims Outstanding at the beginning of the year	198768866	185230604
	Total Claims Incurred	118917718	121072942