FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer: GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 30.06.2021
					( ₹ in 000)
	PARTICULARS	For the Three Months ending 30.06.2021	For the First Quarter Ending 30.06.2021	For the Three Months ending 30.06.2020	For the First Quarter Ending 30.06.2020
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	20187 636	20187 636	14901 822	14901 822
	Less :Re-insurance Ceded to claims paid	152 682	152 682	430 467	430 467
	Net Claims Paid	20034 954	20034 954	14471 355	14471 355
	Add : Claims Outstanding at the end of the year	186692 826	186692 826	157818 937	157818 937
	Less: Claims Outstanding at the beginning of the year	171344 123	171344 123	139677 646	139677 646
	Total Claims Incurred	35383 657	35383 657	32612 646	32612 646


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	14376 439	14376 439	13945 886	13945 886
	Less :Re-insurance Ceded to claims paid	0	0	-498 328	-498 328
	Net Claims Paid	14376 439	14376 439	14444 214	14444 214
	Add : Claims Outstanding at the end of the year	161993 713	161993 713	144246 782	144246 782
	Less: Claims Outstanding at the beginning of the year	158402 351	158402 351	143935 246	143935 246
	Total Claims Incurred	17967 801	17967 801	14755 750	14755 750


(2)	AVIATION
	Claims paid
	Direct claims	- 1	- 1	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	2650 134	2650 134	1706 919	1706 919
	Less :Re-insurance Ceded to claims paid	604 503	604 503	497 022	497 022
	Net Claims Paid	2045 630	2045 630	1209 897	1209 897
	Add : Claims Outstanding at the end of the year	15971 890	15971 890	15694 953	15694 953
	Less: Claims Outstanding at the beginning of the year	15287 319	15287 319	14995 311	14995 311
	Total Claims Incurred	2730 201	2730 201	1909 539	1909 539


(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	1742 627	1742 627	1724 873	1724 873
	Less :Re-insurance Ceded to claims paid	12 287	12 287	-85 093	-85 093
	Net Claims Paid	1730 340	1730 340	1809 966	1809 966
	Add : Claims Outstanding at the end of the year	25939 604	25939 604	20917 023	20917 023
	Less: Claims Outstanding at the beginning of the year	25169 938	25169 938	22213 251	22213 251
	Total Claims Incurred	2500 006	2500 006	513 738	513 738


(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	30 630	30 630	53 710	53 710
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	30 630	30 630	53 710	53 710
	Add : Claims Outstanding at the end of the year	1193 901	1193 901	876 865	876 865
	Less: Claims Outstanding at the beginning of the year	988 937	988 937	812 377	812 377
	Total Claims Incurred	235 594	235 594	118 198	118 198


(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	534 667	534 667	298 564	298 564
	Less :Re-insurance Ceded to claims paid	199	199	57 199	57 199
	Net Claims Paid	534 468	534 468	241 365	241 365
	Add : Claims Outstanding at the end of the year	11909 142	11909 142	9283 834	9283 834
	Less: Claims Outstanding at the beginning of the year	10633 170	10633 170	8036 253	8036 253
	Total Claims Incurred	1810 440	1810 440	1488 946	1488 946


(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	1297 631	1297 631	1166 397	1166 397
	Less :Re-insurance Ceded to claims paid	6 376	6 376	0	0
	Net Claims Paid	1291 255	1291 255	1166 397	1166 397
	Add : Claims Outstanding at the end of the year	8439 413	8439 413	7919 664	7919 664
	Less: Claims Outstanding at the beginning of the year	8237 182	8237 182	7555 901	7555 901
	Total Claims Incurred	1493 486	1493 486	1530 160	1530 160


(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	13059 784	13059 784	8076 181	8076 181
	Less :Re-insurance Ceded to claims paid	430 212	430 212	138 678	138 678
	Net Claims Paid	12629 572	12629 572	7937 503	7937 503
	Add : Claims Outstanding at the end of the year	37594 149	37594 149	34682 866	34682 866
	Less: Claims Outstanding at the beginning of the year	42301 395	42301 395	35261 054	35261 054
	Total Claims Incurred	7922 326	7922 326	7359 315	7359 315


(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	19026 111	19026 111	12188 923	12188 923
	Less :Re-insurance Ceded to claims paid	132 212	132 212	19 746	19 746
	Net Claims Paid	18893 899	18893 899	12169 177	12169 177
	Add : Claims Outstanding at the end of the year	109172 392	109172 392	202097 404	202097 404
	Less: Claims Outstanding at the beginning of the year	97802 950	97802 950	159349 639	159349 639
	Total Claims Incurred	30263 341	30263 341	54916 942	54916 942


(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	1221 880	1221 880	1057 855	1057 855
	Less :Re-insurance Ceded to claims paid	14 115	14 115	-42 412	-42 412
	Net Claims Paid	1207 765	1207 765	1100 267	1100 267
	Add : Claims Outstanding at the end of the year	13138 017	13138 017	10476 641	10476 641
	Less: Claims Outstanding at the beginning of the year	11011 491	11011 491	5311 910	5311 910
	Total Claims Incurred	3334 291	3334 291	6264 998	6264 998


(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	351 386	351 386	312 657	312 657
	Less :Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	351 386	351 386	312 657	312 657
	Add : Claims Outstanding at the end of the year	9245 083	9245 083	9373 562	9373 562
	Less: Claims Outstanding at the beginning of the year	9590 577	9590 577	9431 623	9431 623
	Total Claims Incurred	5 892	5 892	254 596	254 596


	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	54291 289	54291 289	40531 965	40531 965
	Less :Re-insurance Ceded to claims paid	1199 904	1199 904	86 812	86 812
	Net Claims Paid	53091 385	53091 385	40445 153	40445 153
	Add : Claims Outstanding at the end of the year	394597 304	394597 304	455569 594	455569 594
	Less: Claims Outstanding at the beginning of the year	379425 310	379425 310	406902 565	406902 565
	Total Claims Incurred	68263 379	68263 379	89112 182	89112 182


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	1877 437	1877 437	1615 073	1615 073
	Less :Re-insurance Ceded to claims paid	142 259	142 259	67 122	67 122
	Net Claims Paid	1735 178	1735 178	1547 951	1547 951
	Add : Claims Outstanding at the end of the year	11855 469	11855 469	7483 072	7483 072
	Less: Claims Outstanding at the beginning of the year	11106 210	11106 210	6816 985	6816 985
	Total Claims Incurred	2484 437	2484 437	2214 038	2214 038


(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	1866 844	1866 844	1567 926	1567 926
	Less :Re-insurance Ceded to claims paid	572 568	572 568	-40 327	-40 327
	Net Claims Paid	1294 276	1294 276	1608 253	1608 253
	Add : Claims Outstanding at the end of the year	18208 633	18208 633	14772 989	14772 989
	Less: Claims Outstanding at the beginning of the year	17659 227	17659 227	14190 427	14190 427
	Total Claims Incurred	1843 682	1843 682	2190 815	2190 815


	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	3744 281	3744 281	3182 999	3182 999
	Less :Re-insurance Ceded to claims paid	714 827	714 827	26 795	26 795
	Net Claims Paid	3029 454	3029 454	3156 204	3156 204
	Add : Claims Outstanding at the end of the year	30064 102	30064 102	22256 061	22256 061
	Less: Claims Outstanding at the beginning of the year	28765 437	28765 437	21007 412	21007 412
	Total Claims Incurred	4328 119	4328 119	4404 853	4404 853


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	4865 102	4865 102	2126 290	2126 290
	Less :Re-insurance Ceded to claims paid	0	0	102 166	102 166
	Net Claims Paid	4865 102	4865 102	2024 124	2024 124
	Add : Claims Outstanding at the end of the year	14728 868	14728 868	6262 999	6262 999
	Less: Claims Outstanding at the beginning of the year	9195 131	9195 131	5729 442	5729 442
	Total Claims Incurred	10398 839	10398 839	2557 681	2557 681


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	83088 308	83088 308	60743 076	60743 076
	Less :Re-insurance Ceded to claims paid	2067 413	2067 413	646 240	646 240
	Net Claims Paid	81020 895	81020 895	60096 836	60096 836
	Add : Claims Outstanding at the end of the year	626083 100	626083 100	641907 591	641907 591
	Less: Claims Outstanding at the beginning of the year	588730 001	588730 001	573317 065	573317 065
	Total Claims Incurred	118373 994	118373 994	128687 362	128687 362