FORM NL-5 - CLAIMS SCHEDULE

(Amount in Rs. Lakhs)

 

Particulars

FIRE

Marine Cargo

Marine Hull

Total Marine

Motor OD

Motor TP

Total Motor

Health

Personal Accident

Travel Insurance

Total Health

Workmen’s Compensation/ Employer’s Liability

Public/ Product Liability

Engineering

Aviation

Crop Insurance

Other segments (b)

Other Miscellaneous segment

Liability

FL/Credit

Total Miscellaneous

Life

Grand Total

Grand Total

 

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

For the Six Months Ended

31.03.2022

Up to the Year Ended

31.03.2022

                                               

Claims Paid (Direct)

 -  

 -  

 -  

 -  

 -  

 -  

 -  

 -  

 -  

 -  

  

 -  

 -  

 -  

 -  

 -  

 -  

  

 -  

 -  

 -  

 -  

  

 -  

 -  

 -  

 15.50

 -  

 -  

  

 -  

 -  

 -  

 -  

 -  

 -  

 -  

 15.50

 -  

 -  

 -  

 15.50

Add   :Re-insurance accepted to direct claims

 398,775.27

 691,356.87

 66,562.12

 102,132.58

 39,103.24

 77,098.55

 105,665.36

 179,231.13

 292,916.00

 546,133.04

  

 292,916.00

 546,133.04

 260,391.16

 496,576.59

 18,378.57

 40,575.37

  

 278,769.74

 537,151.96

 483.41

 1,155.27

  

 34,477.34

 63,591.80

 25,416.88

 71,627.56

 391,911.10

 802,098.74

  

 11,943.01

 26,045.68

 10,759.42

 23,402.57

 7,030.33

 14,418.82

 1,053,707.23

 2,085,625.42

 157,705.70

 260,863.81

 1,715,853.56

 3,217,077.23

Less :Re-insurance Ceded to claims paid

 25,281.46

 48,867.64

 765.33

 1,184.83

 1,049.42

 8,319.54

 1,814.75

 9,504.37

 -  

 -  

  

 -  

 -  

 4,523.99

 11,320.25

 56.76

 138.67

  

 4,580.75

 11,458.92

 -  

 -  

  

 5.04

 166.91

 11,469.31

 24,745.69

 5,535.87

 13,108.53

  

 135.78

 577.56

 288.67

 290.67

 -  

 -  

 22,015.43

 50,348.28

 1,139.02

 1,139.02

 50,250.66

 109,859.31

 Net Claim Paid

 373,493.82

 642,489.23

 65,796.78

 100,947.75

 38,053.82

 68,779.01

 103,850.61

 169,726.76

 292,916.00

 546,133.04

  

 292,916.00

 546,133.04

 255,867.17

 485,256.34

 18,321.82

 40,436.70

 

0

 274,188.99

 525,693.04

 483.41

 1,155.27

 

0

 34,472.30

 63,424.89

 13,947.56

 46,897.37

 386,375.23

 788,990.21

 

0

 11,807.23

 25,468.12

 10,470.75

 23,111.90

 7,030.33

 14,418.82

 1,031,691.80

 2,035,292.64

 156,566.68

 259,724.79

 1,665,602.91

 3,107,233.42

Add Claims Outstanding at the end of the year

 

 81,810.38

 2,086,134.36

 -402.40

 126,213.45

 9,084.81

 204,478.81

 8,682.41

 330,692.27

 94,858.29

 1,748,920.94

  

 94,858.29

 1,748,920.94

 -38,323.35

 408,834.65

 -5,881.06

 88,197.56

  

 -44,204.41

 497,032.21

 1,362.67

 11,190.69

  

 19,945.56

 290,448.97

 5,643.31

 172,976.85

 -244,008.95

 835,979.47

  

 1,197.24

 131,296.81

 6,241.40

 127,502.77

 -1,768.41

 104,539.65

 -160,733.31

 3,919,888.36

 -76,149.02

 105,936.20

 -146,389.53

 6,442,651.19

Less Claims Outstanding at the beginning of the year

 

 -  

 1,713,441.23

 -  

 111,062.10

 -  

 176,592.27

 -  

 287,654.37

 -  

 1,584,023.51

  

 -  

 1,584,023.51

 -  

 423,013.95

 -  

 82,371.82

  

 -  

 505,385.77

 -  

 9,889.37

  

 -  

 251,699.38

 -  

 152,873.19

 -  

 978,029.50

  

 -  

 110,114.91

 -  

 106,331.70

 -  

 95,905.77

 -  

 3,794,253.10

 -  

 91,951.31

 -  

 5,887,300.01

Net Incurred Claims

 455,304.20

 1,015,182.35

 65,394.38

 116,099.10

 47,138.63

 96,665.56

 112,533.01

 212,764.66

 387,774.29

 711,030.47

  

 387,774.29

 711,030.47

 217,543.82

 471,077.04

 12,440.76

 46,262.44

 

0

 229,984.58

 517,339.48

 1,846.07

 2,456.59

 

0

 54,417.86

 102,174.48

 19,590.88

 67,001.03

 142,366.28

 646,940.18

 

0

 13,004.47

 46,650.03

 16,712.15

 44,282.96

 5,261.92

 23,052.69

 870,958.49

 2,160,927.91

 80,417.67

 273,709.68

 1,519,213.38

 3,662,584.60

                                               

Claims Paid (Direct)

                                              

-In India

                                              

-Outside India

                                              

Estimates of IBNR and IBNER at the end of the period (net)

                                              

Estimates of IBNR and IBNER at the beginning of the period (net)

                                              
                                               
 

Notes:

a)  Incurred But Not Reported (IBNR), Incurred but not enough reported [IBNER] claims should be included in the amount for outstanding claims.

b)  Claims includes specific claims settlement cost but not expenses of management

c)   The surveyor fees, legal and other expenses shall also form part of claims cost, wherever applicable.

d)  Claims cost should be adjusted for estimated salvage value if there is a sufficient certainty of its realization.

e) Separate disclosure to be made for segment/sub-segment which contributes more than 10 percent of the total gross direct premium

                                    
  

(Amount in Rs. Lakhs)

 

Particulars

FIRE

Marine Cargo

Marine Hull

Total Marine

Motor OD

Motor TP

Total Motor

Health

Personal Accident

 Travel Insurance

Total Health

Workmen’s Compensation/ Employer’s liability

Public/ Product Liability

Engineering

Aviation

Crop Insurance

Other segments (e)

Other Miscellaneous segment

Liability

FL/Credit

Total Miscellaneous

Life

Grand Total

Grand Total

 

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

For the Six Months Ended

31.03.2021

Up to the Year Ended

31.03.2021

                                               

Claims Paid (Direct)

 -  

 -  

 -  

 -  

 -  

 -  

 -  

 -  

 -  

 -  

  

 -  

 -  

 -  

 -  

 -  

 -  

  

 -  

 -  

 -  

 -  

  

 -  

 -  

 -  

 44.31

 -  

 -  

  

 -  

 -  

 -  

 -  

 -  

 -  

  

 -  

 -  

 -  

 -  

Add   :Re-insurance accepted to direct claims

 347,259.02

 701,198.06

 32,436.38

 70,158.69

 44,459.32

 80,261.05

 76,895.70

 150,419.74

 240,413.57

 491,126.12

  

 240,413.57

 491,126.12

 205,180.49

 422,505.22

 23,688.32

 45,210.85

  

 228,868.81

 467,716.07

 1,194.65

 1,962.50

  

 23,707.23

 56,497.43

 42,295.41

 96,288.35

 757,673.92

 1,525,952.34

  

 13,876.38

 46,535.62

 11,819.97

 18,785.50

 13,155.02

 17,770.43

 1,333,004.95

 2,722,634.37

 67,402.43

 102,810.64

 1,824,562.10

 3,677,062.80

Less :Re-insurance Ceded to claims paid

 28,114.91

 64,390.42

 4,806.75

 7,987.25

 5,724.86

 6,059.68

 10,531.62

 14,046.94

 9,050.78

 6,335.45

  

 9,050.78

 6,335.45

 -19,390.61

 18,472.84

 -  

 -  

  

 -19,390.61

 18,472.84

 -  

 -  

  

 1,545.08

 999.51

 10,438.97

 20,531.62

 7,590.89

 11,904.13

  

 3,365.18

 5,275.01

 10.55

 96.71

 -  

 -  

 12,610.84

 63,615.29

 2,242.73

 3,809.24

 53,500.10

 145,861.88

 Net Claim Paid

 319,144.11

 636,807.64

 27,629.63

 62,171.43

 38,734.45

 74,201.37

 66,364.08

 136,372.80

 231,362.79

 484,790.67

  

 231,362.79

 484,790.67

 224,571.10

 404,032.38

 23,688.32

 45,210.85

  

 248,259.43

 449,243.23

 1,194.65

 1,962.50

  

 22,162.15

 55,497.92

 31,856.44

 75,801.03

 750,083.03

 1,514,048.21

  

 10,511.20

 41,260.61

 11,809.41

 18,688.78

 13,155.02

 17,770.43

 1,320,394.12

 2,659,063.38

 65,159.70

 99,001.40

 1,771,062.00

 3,531,245.22

Add Claims Outstanding at the end of the year

 

 49,533.40

 1,713,441.23

 23,027.36

 111,062.10

 -118.00

 176,592.27

 22,909.36

 287,654.37

 84,493.72

 1,584,023.51

  

 84,493.72

 1,584,023.51

 33,029.01

 423,013.95

 -5,207.46

 82,371.82

  

 27,821.55

 505,385.77

 957.74

 9,889.37

  

 27,238.54

 251,699.38

 -3,476.99

 152,873.19

 -574,447.41

 978,029.50

  

 -3,841.58

 110,114.91

 11,316.08

 106,331.70

 5,385.97

 95,905.77

 -424,552.37

 3,794,253.10

 20,559.56

 91,951.31

 -331,550.06

 5,887,300.01

Less Claims Outstanding at the beginning of the year

 

 -  

 1,396,776.46

 -  

 68,169.85

 -  

 141,904.27

 -  

 210,074.12

 -  

 1,439,352.46

  

 -  

 1,439,352.46

 -2.38

 352,610.54

 -  

 75,559.01

  

 -2.38

 428,169.55

 -  

 8,123.77

  

 -  

 222,132.51

 -  

 149,953.11

 -  

 1,593,496.39

  

 -  

 53,119.10

 -  

 80,362.53

 -  

 94,316.23

 -2.38

 4,069,025.66

 -  

 57,294.42

 -2.38

 5,733,170.66

Net Incurred Claims

 368,677.50

 953,472.41

 50,656.99

 105,063.69

 38,616.45

 108,889.36

 89,273.44

 213,953.05

 315,856.52

 629,461.71

  

 315,856.52

 629,461.71

 257,602.50

 474,435.79

 18,480.86

 52,023.66

  

 276,083.35

 526,459.45

 2,152.39

 3,728.10

  

 49,400.69

 85,064.79

 28,379.45

 78,721.11

 175,635.62

 898,581.32

  

 6,669.62

 98,256.42

 23,125.49

 44,657.96

 18,540.98

 19,359.97

 895,844.12

 2,384,290.82

 85,719.26

 133,658.29

 1,439,514.32

 3,685,374.57

                                          

 -  

    

Claims Paid (Direct)

                                              

-In India

                                              

-Outside India

                                              

Estimates of IBNR and IBNER at the end of the period (net)

                                              

Estimates of IBNR and IBNER at the beginning of the period (net)

                                              
                                               
 

Notes:

a)  Incurred But Not Reported (IBNR), Incurred but not enough reported [IBNER] claims should be included in the amount for outstanding claims.

b)  Claims includes specific claims settlement cost but not expenses of management

c)   The surveyor fees, legal and other expenses shall also form part of claims cost, wherever applicable.

d)  Claims cost should be adjusted for estimated salvage value if there is a sufficient certainty of its realization.

e) Separate disclosure to be made for segment/sub-segment which contributes more than 10 percent of the total gross direct premium