FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 31.12.2018
					(` '000)
	PARTICULARS	For the Three Months ending 31.12.2018	Up to the Nine Months ending 31.12.2018	For the corresponding Three months of the preceeding year	Up to the corresponding Nine months 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	14979 523	46718 182	17888 078	35752 509
	Less :Re-insurance Ceded to claims paid	2214 833	5593 755	2832 588	3503 402
	Net Claims Paid	12764 690	41124 427	15055 490	32249 107
	Add : Claims Outstanding at the end of the year	5891 107	123764 056	3811 371	107638 330
	Less: Claims Outstanding at the beginning of the year	0	103462 459	0	86734 697
	Total Claims Incurred	18655 797	61426 024	18866 861	53152 740
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	11989 459	40348 495	13522 432	35178 480
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	11989 459	40348 495	13522 432	35178 480
	Add : Claims Outstanding at the end of the year	5094 181	111943 993	397 442	86666 449
	Less: Claims Outstanding at the beginning of the year	0	95213 892	0	78863 595
	Total Claims Incurred	17083 640	57078 596	13919 874	42981 334
(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	0	0	11 281
	Add   :Re-insurance accepted to direct claims	5112 465	8842 976	1538 722	3647 618
	Less :Re-insurance Ceded to claims paid	2325 272	2696 553	220 218	480 930
	Net Claims Paid	2787 193	6146 423	1318 504	3177 969
	Add : Claims Outstanding at the end of the year	-488 288	12410 577	2262 910	10967 945
	Less: Claims Outstanding at the beginning of the year	0	9960 585	0	8197 969
	Total Claims Incurred	2298 905	8596 414	3581 414	5947 945
(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	761 952	3513 750	1348 348	3216 880
	Less :Re-insurance Ceded to claims paid	400	27 138	70 018	149 596
	Net Claims Paid	761 552	3486 612	1278 330	3067 284
	Add : Claims Outstanding at the end of the year	643 514	19367 654	-404 300	17723 359
	Less: Claims Outstanding at the beginning of the year	0	16934 540	0	16367 961
	Total Claims Incurred	1405 066	5919 726	874 030	4422 682
(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	30 130	125 517	34 989	60 903
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	30 130	125 517	34 989	60 903
	Add : Claims Outstanding at the end of the year	96 360	966 015	188 331	498 352
	Less: Claims Outstanding at the beginning of the year	0	548 011	0	358 439
	Total Claims Incurred	126 490	543 521	223 320	200 816
(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	133 895	290 296	147 460	258 810
	Less :Re-insurance Ceded to claims paid	0	397	29	98
	Net Claims Paid	133 895	289 899	147 431	258 712
	Add : Claims Outstanding at the end of the year	499 051	3879 646	-142 981	2079 210
	Less: Claims Outstanding at the beginning of the year	0	2592 049	0	1982 656
	Total Claims Incurred	632 946	1577 496	4 450	355 266
(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	445 299	1886 964	1433 023	2218 735
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	445 299	1886 964	1433 023	2218 735
	Add : Claims Outstanding at the end of the year	269 865	5613 381	827 580	3605 766
	Less: Claims Outstanding at the beginning of the year	0	3780 066	0	2772 646
	Total Claims Incurred	715 164	3720 279	2260 603	3051 855
(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	8230 886	26372 909	14112 376	25757 563
	Less :Re-insurance Ceded to claims paid	57	57	0	291 660
	Net Claims Paid	8230 829	26372 852	14112 376	25465 903
	Add : Claims Outstanding at the end of the year	3922 555	23575 604	415 298	18091 830
	Less: Claims Outstanding at the beginning of the year	0	16622 962	0	11364 043
	Total Claims Incurred	12153 384	33325 494	14527 674	32193 690
(8)	Agriculture
	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	23706 311	93352 730	12232 380	47600 562
	Less :Re-insurance Ceded to claims paid	1	50 075	2044 063	2097 528
	Net Claims Paid	23706 310	93302 655	10188 317	45503 034
	Add : Claims Outstanding at the end of the year	-21918 244	145092 000	5435 907	120724 868
	Less: Claims Outstanding at the beginning of the year	0	125329 521	0	59122 246
	Total Claims Incurred	1788 066	113065 134	15624 224	107105 656
(9)	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	907 803	2679 067	1605 411	2695 817
	Less :Re-insurance Ceded to claims paid	11 102	151 889	203 412	379 837
	Net Claims Paid	896 701	2527 178	1401 999	2315 980
	Add : Claims Outstanding at the end of the year	-847 395	10337 686	1418 928	11486 590
	Less: Claims Outstanding at the beginning of the year	0	10968 057	0	6418 213
	Total Claims Incurred	49 306	1896 807	2820 927	7384 357
(10)	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	-50 850	508 796	407 856	1477 597
	Less :Re-insurance Ceded to claims paid	0	135 243	114 992	114 992
	Net Claims Paid	-50 850	373 553	292 864	1362 605
	Add : Claims Outstanding at the end of the year	-199 397	8572 985	331 906	4522 167
	Less: Claims Outstanding at the beginning of the year	0	6696 150	0	3773 875
	Total Claims Incurred	-250 247	2250 388	624 770	2110 897
	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	0	0	11 281
	Add   :Re-insurance accepted to direct claims	51267 350	177921 500	46382 997	122112 965
	Less :Re-insurance Ceded to claims paid	2336 832	3061 352	2652 732	3514 641
	Net Claims Paid	48930 518	174860 148	43730 265	118609 605
	Add : Claims Outstanding at the end of the year	-12927 798	341759 541	10731 021	276366 536
	Less: Claims Outstanding at the beginning of the year	0	288645 833	0	189221 643
	Total Claims Incurred	36002 720	227973 856	54461 286	205754 498
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	762 604	2101 253	567 493	1153 274
	Less :Re-insurance Ceded to claims paid	13 230	120 947	2 949	4 388
	Net Claims Paid	749 374	1980 306	564 544	1148 886
	Add : Claims Outstanding at the end of the year	-192 162	6775 339	594 414	6100 860
	Less: Claims Outstanding at the beginning of the year	0	5899 313	0	5997 053
	Total Claims Incurred	557 212	2856 332	1158 958	1252 693
(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	1351 176	4872 056	551 106	2107 709
	Less :Re-insurance Ceded to claims paid	7 639	1734 859	713 821	1016 157
	Net Claims Paid	1343 537	3137 197	-162 715	1091 552
	Add : Claims Outstanding at the end of the year	43 107	10821 298	1079 976	10626 670
	Less: Claims Outstanding at the beginning of the year	0	10601 263	0	11939 858
	Total Claims Incurred	1386 644	3357 232	917 261	-221 636
	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	2113 780	6973 309	1118 599	3260 983
	Less :Re-insurance Ceded to claims paid	20 869	1855 806	716 770	1020 545
	Net Claims Paid	2092 911	5117 503	401 829	2240 438
	Add : Claims Outstanding at the end of the year	-149 055	17596 637	1674 390	16727 530
	Less: Claims Outstanding at the beginning of the year	0	16500 576	0	17936 911
	Total Claims Incurred	1943 856	6213 564	2076 219	1031 057
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	1225 007	3638 645	922 027	2032 797
	Less :Re-insurance Ceded to claims paid	27 232	204 684	61 373	176 630
	Net Claims Paid	1197 775	3433 961	860 654	1856 167
	Add : Claims Outstanding at the end of the year	456 003	3664 711	776 073	2955 558
	Less: Claims Outstanding at the beginning of the year	0	3145 809	0	1845 533
	Total Claims Incurred	1653 778	3952 863	1636 727	2966 192
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	0	0	11 281
	Add   :Re-insurance accepted to direct claims	69585 660	235251 636	66311 701	163159 254
	Less :Re-insurance Ceded to claims paid	4599 766	10715 597	6263 463	8215 218
	Net Claims Paid	64985 894	224536 039	60048 238	154955 317
	Add : Claims Outstanding at the end of the year	-6729 743	486784 944	16992 855	403687 954
	Less: Claims Outstanding at the beginning of the year	0	411754 677	0	295738 784
	Total Claims Incurred	58256 151	299566 306	77041 093	262904 487