- no title specified

FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer: GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE YEAR ENDED 31.03.2020
					( Rs. IN 000)
	PARTICULARS	For the Three Months ending 31.03.2020	For the Year ending 31.03.2020	For the Three Months ending 31.03.2019	For the Year ending 31.03.2019
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	17568 928	73525 814	22558 220	69276 402
	Less :Re-insurance Ceded to claims paid	2222 623	7826 545	1542 684	7136 439
	Net Claims Paid	15346 305	65699 269	21015 536	62139 963
	Add : Claims Outstanding at the end of the year	-2354 522	139677 646	501 244	124265 299
	Less: Claims Outstanding at the beginning of the year	0	124265 299	0	103462 459
	Total Claims Incurred	12991 783	81111 616	21516 780	82942 803


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	11078 625	50769 026	6441 260	46789 755
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	11078 625	50769 026	6441 260	46789 755
	Add : Claims Outstanding at the end of the year	3195 570	143935 246	7143 995	119087 988
	Less: Claims Outstanding at the beginning of the year	0	119087 988	0	95213 892
	Total Claims Incurred	14274 195	75616 284	13585 255	70663 851


(2)	AVIATION
	Claims paid
	Direct claims	0	5 750	2 800	2 800
	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	3388 818	10218 839	2268 812	11111 788
	Less :Re-insurance Ceded to claims paid	687 976	2065 967	516 775	3213 329
	Net Claims Paid	2700 842	8158 622	1754 837	7901 259
	Add : Claims Outstanding at the end of the year	776 812	14995 311	-1272 945	11137 632
	Less: Claims Outstanding at the beginning of the year	0	11137 632	0	9960 585
	Total Claims Incurred	3477 654	12016 301	481 892	9078 306


(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	1261 591	4907 503	1457 568	4971 318
	Less :Re-insurance Ceded to claims paid	35 220	121 544	48 759	75 897
	Net Claims Paid	1226 371	4785 959	1408 809	4895 421
	Add : Claims Outstanding at the end of the year	1054 694	22213 251	-1634 446	17733 208
	Less: Claims Outstanding at the beginning of the year	0	17733 208	0	16934 540
	Total Claims Incurred	2281 065	9266 002	-225 637	5694 089


(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	78 697	181 352	49 502	175 019
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	78 697	181 352	49 502	175 019
	Add : Claims Outstanding at the end of the year	23 960	812 377	-310 757	655 257
	Less: Claims Outstanding at the beginning of the year	0	655 257	0	548 011
	Total Claims Incurred	102 657	338 472	-261 255	282 265


(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	229 717	881 242	192 238	482 534
	Less :Re-insurance Ceded to claims paid	200	8 844	2 606	3 003
	Net Claims Paid	229 517	872 398	189 632	479 531
	Add : Claims Outstanding at the end of the year	1066 386	8036 253	889 829	4769 475
	Less: Claims Outstanding at the beginning of the year	0	4769 475	0	2592 049
	Total Claims Incurred	1295 903	4139 176	1079 461	2656 957


(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	962 535	3974 844	896 465	2783 430
	Less :Re-insurance Ceded to claims paid	0	161	0	0
	Net Claims Paid	962 535	3974 683	896 465	2783 430
	Add : Claims Outstanding at the end of the year	455 560	7555 901	332 269	5945 650
	Less: Claims Outstanding at the beginning of the year	0	5945 650	0	3780 066
	Total Claims Incurred	1418 095	5584 934	1228 734	4949 014


(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	10282 426	39976 913	11368 316	37741 225
	Less :Re-insurance Ceded to claims paid	0	193 880	96 007	96 064
	Net Claims Paid	10282 426	39783 033	11272 309	37645 161
	Add : Claims Outstanding at the end of the year	-1218 431	35261 054	-3397 059	20178 545
	Less: Claims Outstanding at the beginning of the year	0	20178 545	0	16622 962
	Total Claims Incurred	9063 995	54865 542	7875 250	41200 744


(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	33043 042	119508 184	22214 831	115567 561
	Less :Re-insurance Ceded to claims paid	155 420	432 823	-11 111	38 964
	Net Claims Paid	32887 622	119075 361	22225 942	115528 597
	Add : Claims Outstanding at the end of the year	-11203 355	159349 639	-32640 604	112451 396
	Less: Claims Outstanding at the beginning of the year	0	112451 396	0	125329 521
	Total Claims Incurred	21684 267	165973 604	-10414 662	102650 472


(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	1083 998	3836 865	702 389	3381 456
	Less :Re-insurance Ceded to claims paid	173 905	806 172	82 716	234 605
	Net Claims Paid	910 093	3030 693	619 673	3146 851
	Add : Claims Outstanding at the end of the year	-3662 625	5311 910	-1525 936	8811 750
	Less: Claims Outstanding at the beginning of the year	0	8811 750	0	10968 057
	Total Claims Incurred	-2752 532	-469 147	-906 263	990 544


(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	132 200	1310 048	290 912	799 708
	Less :Re-insurance Ceded to claims paid	0	16 407	0	135 243
	Net Claims Paid	132 200	1293 641	290 912	664 465
	Add : Claims Outstanding at the end of the year	179 733	9431 623	-389 251	8183 734
	Less: Claims Outstanding at the beginning of the year	0	8183 734	0	6696 150
	Total Claims Incurred	311 933	2541 530	-98 339	2152 049


	TOTAL MISCELLANEOUS
	Claims paid
	Direct claims	0	5 750	2 800	2 800
	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	61541 649	235564 816	45882 293	223803 794
	Less :Re-insurance Ceded to claims paid	1052 721	3645 798	735 752	3797 105
	Net Claims Paid	60488 928	231924 768	45149 341	220009 489
	Add : Claims Outstanding at the end of the year	-9331 696	406902 565	-32804 904	308954 635
	Less: Claims Outstanding at the beginning of the year	0	308954 635	0	288645 833
	Total Claims Incurred	51157 232	329872 698	12344 437	240318 291


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	1937 976	5218 575	993 908	3095 162
	Less :Re-insurance Ceded to claims paid	567 664	793 730	112 827	233 774
	Net Claims Paid	1370 312	4424 845	881 081	2861 388
	Add : Claims Outstanding at the end of the year	-456 116	6816 985	-651 123	6124 214
	Less: Claims Outstanding at the beginning of the year	- 1	6124 214	0	5899 312
	Total Claims Incurred	914 197	5117 616	229 958	3086 290


(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	776 546	5148 274	1093 865	5965 921
	Less :Re-insurance Ceded to claims paid	368 429	1293 909	249 466	1984 325
	Net Claims Paid	408 117	3854 365	844 399	3981 596
	Add : Claims Outstanding at the end of the year	446 999	14190 427	909 153	11730 451
	Less: Claims Outstanding at the beginning of the year	0	11730 451	0	10601 263
	Total Claims Incurred	855 116	6314 341	1753 552	5110 784


	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	2714 522	10366 849	2087 773	9061 083
	Less :Re-insurance Ceded to claims paid	936 093	2087 639	362 293	2218 099
	Net Claims Paid	1778 429	8279 210	1725 480	6842 984
	Add : Claims Outstanding at the end of the year	-9 117	21007 412	258 030	17854 665
	Less: Claims Outstanding at the beginning of the year	- 1	17854 665	0	16500 575
	Total Claims Incurred	1769 313	11431 957	1983 510	8197 074


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	2222 896	7001 852	1519 692	5158 337
	Less :Re-insurance Ceded to claims paid	91 533	546 285	109 255	313 939
	Net Claims Paid	2131 363	6455 567	1410 437	4844 398
	Add : Claims Outstanding at the end of the year	824 490	5729 441	577 988	4242 699
	Less: Claims Outstanding at the beginning of the year	0	4242 700	0	3145 809
	Total Claims Incurred	2955 853	7942 308	1988 425	5941 288


E	TOTAL ALL CLASSES
	Claims paid
	Direct claims	0	5 750	2 800	2 800
	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	84047 995	326459 331	72047 978	307299 616
	Less :Re-insurance Ceded to claims paid	4302 970	14106 267	2749 984	13465 582
	Net Claims Paid	79745 025	312358 814	69300 794	293836 834
	Add : Claims Outstanding at the end of the year	-10870 845	573317 064	-31467 642	455317 298
	Less: Claims Outstanding at the beginning of the year	0	455317 299	0	411754 676
	Total Claims Incurred	68874 180	430358 579	37833 151	337399 456
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