FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer: GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE YEAR ENDED 30.06.2020
					(Rs. '000)
	PARTICULARS	For the Three Months ending 30.06.2020	Upto Three Months Ending 30.06.2020	For the Three Months ending 30.06.2019	Upto Three Months Ending 30.06.2019
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	14901 822	14901 822	17804 231	17804 231
	Less :Re-insurance Ceded to claims paid	430 467	430 467	3397 362	3397 362
	Net Claims Paid	14471 355	14471 355	14406 869	14406 869
	Add : Claims Outstanding at the end of the year	157818 937	157818 937	128122 612	128122 612
	Less: Claims Outstanding at the beginning of the year	139677 646	139677 646	124265 299	124265 299
	Total Claims Incurred	32612 646	32612 646	18264 182	18264 182


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	13945 886	13945 886	11206 945	11206 945
	Less :Re-insurance Ceded to claims paid	-498 328	-498 328	0	0
	Net Claims Paid	14444 214	14444 214	11206 945	11206 945
	Add : Claims Outstanding at the end of the year	144246 782	144246 782	130344 512	130344 512
	Less: Claims Outstanding at the beginning of the year	143935 246	143935 246	119087 988	119087 988
	Total Claims Incurred	14755 750	14755 750	22463 469	22463 469


(2)	AVIATION
	Claims paid
	Direct claims	0	0	0	0
	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	1706 919	1706 919	3228 020	3228 020
	Less :Re-insurance Ceded to claims paid	497 022	497 022	830 666	830 666
	Net Claims Paid	1209 897	1209 897	2397 354	2397 354
	Add : Claims Outstanding at the end of the year	15694 953	15694 953	11595 967	11595 967
	Less: Claims Outstanding at the beginning of the year	14995 311	14995 311	11137 632	11137 632
	Total Claims Incurred	1909 539	1909 539	2855 689	2855 689


(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	1724 873	1724 873	1446 299	1446 299
	Less :Re-insurance Ceded to claims paid	-85 093	-85 093	17 009	17 009
	Net Claims Paid	1809 966	1809 966	1429 290	1429 290
	Add : Claims Outstanding at the end of the year	20917 023	20917 023	18424 023	18424 023
	Less: Claims Outstanding at the beginning of the year	22213 251	22213 251	17733 208	17733 208
	Total Claims Incurred	513 738	513 738	2120 105	2120 105


(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	53 710	53 710	29 489	29 489
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	53 710	53 710	29 489	29 489
	Add : Claims Outstanding at the end of the year	876 865	876 865	674 023	674 023
	Less: Claims Outstanding at the beginning of the year	812 377	812 377	655 257	655 257
	Total Claims Incurred	118 198	118 198	48 255	48 255


(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	298 564	298 564	162 877	162 877
	Less :Re-insurance Ceded to claims paid	57 199	57 199	8 307	8 307
	Net Claims Paid	241 365	241 365	154 570	154 570
	Add : Claims Outstanding at the end of the year	9283 834	9283 834	5460 813	5460 813
	Less: Claims Outstanding at the beginning of the year	8036 253	8036 253	4769 475	4769 475
	Total Claims Incurred	1488 946	1488 946	845 908	845 908


(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	1166 397	1166 397	1319 329	1319 329
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	1166 397	1166 397	1319 329	1319 329
	Add : Claims Outstanding at the end of the year	7919 664	7919 664	6592 042	6592 042
	Less: Claims Outstanding at the beginning of the year	7555 901	7555 901	5945 650	5945 650
	Total Claims Incurred	1530 160	1530 160	1965 721	1965 721


(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	8076 181	8076 181	10877 056	10877 056
	Less :Re-insurance Ceded to claims paid	138 678	138 678	0	0
	Net Claims Paid	7937 503	7937 503	10877 056	10877 056
	Add : Claims Outstanding at the end of the year	34682 866	34682 866	24585 329	24585 329
	Less: Claims Outstanding at the beginning of the year	35261 054	35261 054	20178 545	20178 545
	Total Claims Incurred	7359 315	7359 315	15283 840	15283 840


(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	12188 923	12188 923	22475 506	22475 506
	Less :Re-insurance Ceded to claims paid	19 746	19 746	60 298	60 298
	Net Claims Paid	12169 177	12169 177	22415 208	22415 208
	Add : Claims Outstanding at the end of the year	202097 404	202097 404	164216 674	164216 674
	Less: Claims Outstanding at the beginning of the year	159349 639	159349 639	112451 396	112451 396
	Total Claims Incurred	54916 942	54916 942	74180 486	74180 486


(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	1057 855	1057 855	1655 714	1655 714
	Less :Re-insurance Ceded to claims paid	-42 412	-42 412	119 702	119 702
	Net Claims Paid	1100 267	1100 267	1536 012	1536 012
	Add : Claims Outstanding at the end of the year	10476 641	10476 641	11497 622	11497 622
	Less: Claims Outstanding at the beginning of the year	5311 910	5311 910	8811 750	8811 750
	Total Claims Incurred	6264 998	6264 998	4221 884	4221 884


(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	312 657	312 657	260 183	260 183
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	312 657	312 657	260 183	260 183
	Add : Claims Outstanding at the end of the year	9373 562	9373 562	8462 042	8462 042
	Less: Claims Outstanding at the beginning of the year	9431 623	9431 623	8183 734	8183 734
	Total Claims Incurred	254 596	254 596	538 491	538 491


	TOTAL MISCELLANEOUS
	Claims paid
	Direct claims	0	0	0	0
	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	40531 965	40531 965	52661 418	52661 418
	Less :Re-insurance Ceded to claims paid	86 812	86 812	1035 982	1035 982
	Net Claims Paid	40445 153	40445 153	51625 436	51625 436
	Add : Claims Outstanding at the end of the year	455569 594	455569 594	381853 047	381853 047
	Less: Claims Outstanding at the beginning of the year	406902 565	406902 565	308954 635	308954 635
	Total Claims Incurred	89112 182	89112 182	124523 848	124523 848


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	1615 073	1615 073	952 741	952 741
	Less :Re-insurance Ceded to claims paid	67 122	67 122	124 598	124 598
	Net Claims Paid	1547 951	1547 951	828 143	828 143
	Add : Claims Outstanding at the end of the year	7483 072	7483 072	6194 130	6194 130
	Less: Claims Outstanding at the beginning of the year	6816 985	6816 985	6124 214	6124 214
	Total Claims Incurred	2214 038	2214 038	898 059	898 059


(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	1567 926	1567 926	1380 000	1380 000
	Less :Re-insurance Ceded to claims paid	-40 327	-40 327	804 056	804 056
	Net Claims Paid	1608 253	1608 253	575 944	575 944
	Add : Claims Outstanding at the end of the year	14772 989	14772 989	12842 707	12842 707
	Less: Claims Outstanding at the beginning of the year	14190 427	14190 427	11730 451	11730 451
	Total Claims Incurred	2190 815	2190 815	1688 200	1688 200


	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	3182 999	3182 999	2332 741	2332 741
	Less :Re-insurance Ceded to claims paid	26 795	26 795	928 654	928 654
	Net Claims Paid	3156 204	3156 204	1404 087	1404 087
	Add : Claims Outstanding at the end of the year	22256 061	22256 061	19036 837	19036 837
	Less: Claims Outstanding at the beginning of the year	21007 412	21007 412	17854 665	17854 665
	Total Claims Incurred	4404 853	4404 853	2586 259	2586 259


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	2126 290	2126 290	1858 628	1858 628
	Less :Re-insurance Ceded to claims paid	102 166	102 166	277 462	277 462
	Net Claims Paid	2024 124	2024 124	1581 166	1581 166
	Add : Claims Outstanding at the end of the year	6262 999	6262 999	4294 129	4294 129
	Less: Claims Outstanding at the beginning of the year	5729 442	5729 442	4242 699	4242 699
	Total Claims Incurred	2557 681	2557 681	1632 596	1632 596


E	TOTAL ALL CLASSES
	Claims paid
	Direct claims	0	0	0	0
	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	60743 076	60743 076	74657 018	74657 018
	Less :Re-insurance Ceded to claims paid	646 240	646 240	5639 460	5639 460
	Net Claims Paid	60096 836	60096 836	69017 558	69017 558
	Add : Claims Outstanding at the end of the year	641907 591	641907 591	533306 625	533306 625
	Less: Claims Outstanding at the beginning of the year	573317 065	573317 065	455317 298	455317 298
	Total Claims Incurred	128687 362	128687 362	147006 885	147006 885