FORM NL-5 - CLAIMS SCHEDULE																																															100000
(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 Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023	For the Half Year 31.03.2023	Up to the Half Year 31.03.2023
Claims Paid (Direct)	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0			0	0	0	0			0	0	18.43	44.42	0	0			0	0	0	0	0	0	18.43	44.42	0	0	18.43	44.42
Add   :Re-insurance accepted to direct claims	318,157.11	663,122.81	21,003.54	40,137.47	27,057.93	56,879.36	48,061.47	97,016.83	346,298.03	636,721.48			346,298.03	636,721.48	200,146.97	387,222.52	14,451.20	35,114.82			214,598.17	422,337.34	711.02	1,357.02			28,199.94	51,801.72	40,084.80	64,661.32	412,079.88	588,967.24			10,084.29	34,174.84	12,745.65	25,241.15	6,314.19	11,962.88	1,071,115.95	1,837,224.97	78,975.58	163,917.54	1,516,310.11	2,761,282.15
Less :Re-insurance Ceded to claims paid	37,107.19	51,776.32	3,950.17	5,052.20	888.36	5,449.38	4,838.53	10,501.58	0	0			0	0	-0.00	8,399.65	66.51	153.84			66.51	8,553.49	0	0			113.00	576.65	18,244.28	24,931.91	788.55	5,608.10			179.84	460.90	169.66	518.15	0	0	19,561.83	40,649.19	3,575.72	11,761.60	65,083.27	114,688.69
Net Claim Paid	281,049.92	611,346.49	17,053.37	35,085.27	26,169.57	51,429.98	43,222.94	86,515.25	346,298.03	636,721.48			346,298.03	636,721.48	200,146.98	378,822.88	14,384.69	34,960.98		0	214,531.66	413,783.85	711.02	1,357.02		0	28,086.94	51,225.07	21,858.95	39,773.83	411,291.33	583,359.14		0	9,904.45	33,713.94	12,575.98	24,722.99	6,314.19	11,962.88	1,051,572.56	1,796,620.21	75,399.85	152,155.93	1,451,245.27	2,646,637.88
Add Claims Outstanding at the end of the year	162,690.69	2,518,482.04	-3,861.60	121,986.74	27,672.17	233,427.01	23,810.57	355,413.75	43,876.99	1,903,282.86			43,876.99	1,903,282.86	10,036.70	420,797.51	-4,215.83	86,883.41			5,820.88	507,680.93	2,281.92	14,138.39			20,167.73	338,858.60	-3,622.32	180,295.36	-294,770.47	757,974.76			-17,691.08	123,033.78	9,726.77	156,197.19	-16,095.67	101,513.36	-250,305.25	4,082,975.23	15,270.05	113,080.05	-48,533.94	7,069,951.07
Less Claims Outstanding at the beginning of the year	-0.00	2,086,134.36	0.00	126,213.45	0.00	204,478.81	0.01	330,692.27	0.00	1,748,920.94			0.00	1,748,920.94	0.00	408,834.65	-0.00	88,197.56			-0.00	497,032.21	0.00	11,190.69			-0.00	290,448.97	-0.00	172,976.85	0.00	835,979.47			0.00	131,296.81	-0.00	127,502.77	0.00	104,539.65	0.00	3,919,888.36	0.00	105,936.20	0.01	6,442,651.19
Net Incurred Claims	443,740.61	1,043,694.17	13,191.77	30,858.56	53,841.74	80,378.18	67,033.50	111,236.73	390,175.02	791,083.40			390,175.02	791,083.40	210,183.68	390,785.74	10,168.87	33,646.84		0	220,352.54	424,432.57	2,992.94	4,304.72		0	48,254.67	99,634.70	18,236.63	47,092.34	116,520.86	505,354.43		0	-7,786.63	25,450.91	22,302.75	53,417.41	-9,781.48	8,936.59	801,267.31	1,959,707.08	90,669.90	159,299.78	1,402,711.32	3,273,937.76
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)
																														47092.33												1959707.04		159299.79		3273937.73
	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																													0.01																0.03
(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 corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022	For the corresponding Half Year of the previous year 31.03.2022	up to the Half Year of the previous year 31.03.2022
Claims Paid (Direct)	0	0	0	0	0	0	0	0	0	0			0	0	0	0	0	0			0	0	0	0			0	0	0.01	15.50	0	0			0	0	0	0	0	0	0.01	15.50	0	0	0.01	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	18,378.58	40,575.37			278,769.74	537,151.96	483.41	1,155.27			34,477.34	63,591.80	25,416.87	71,627.56	391,911.11	802,098.74			11,943.01	26,045.68	10,759.43	23,402.57	7,030.33	14,418.82	1,053,707.22	2,085,625.42	157,705.70	260,863.81	1,715,853.55	3,217,077.23
Less :Re-insurance Ceded to claims paid	25,281.45	48,867.64	765.34	1,184.83	1,049.41	8,319.54	1,814.75	9,504.37	0	0			0	0	4,523.99	11,320.25	56.76	138.67			4,580.75	11,458.92	0	0			5.04	166.91	11,469.31	24,745.69	5,535.87	13,108.53			135.79	577.56	288.68	290.67	0	0	22,015.44	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	38,053.83	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			274,188.99	525,693.04	483.41	1,155.27			34,472.30	63,424.89	13,947.57	46,897.37	386,375.24	788,990.21			11,807.22	25,468.12	10,470.75	23,111.90	7,030.33	14,418.82	1,031,691.79	2,035,292.64	156,566.68	259,724.79	1,665,602.90	3,107,233.42
Add Claims Outstanding at the end of the year	81,810.39	2,086,134.36	-402.40	126,213.45	9,084.81	204,478.81	8,682.42	330,692.27	94,858.30	1,748,920.94			94,858.30	1,748,920.94	-38,323.36	408,834.65	-5,881.06	88,197.56			-44,204.42	497,032.21	1,362.66	11,190.69			19,945.56	290,448.97	5,643.32	172,976.85	-244,008.96	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	-146,389.52	6,442,651.19
Less Claims Outstanding at the beginning of the year	0.00	1,713,441.23	0.00	111,062.10	-0.00	176,592.27	0.00	287,654.37	-0.00	1,584,023.51			-0.00	1,584,023.51	0.00	423,013.95	-0.00	82,371.82			0.00	505,385.77	-0.00	9,889.37			-0.00	251,699.38	-0.00	152,873.19	0.00	978,029.50			-0.00	110,114.91	0.00	106,331.70	0.00	95,905.77	-0.00	3,794,253.10	0.00	91,951.31	0.00	5,887,300.01
Net Incurred Claims	455,304.20	1,015,182.35	65,394.38	116,099.10	47,138.65	96,665.56	112,533.03	212,764.66	387,774.30	711,030.47			387,774.30	711,030.47	217,543.81	471,077.04	12,440.76	46,262.44			229,984.57	517,339.48	1,846.07	2,456.59			54,417.86	102,174.48	19,590.89	67,001.03	142,366.28	646,940.18			13,004.47	46,650.03	16,712.14	44,282.96	5,261.91	23,052.69	870,958.49	2,160,927.91	80,417.66	273,709.68	1,519,213.38	3,662,584.60
																																										0
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)
																																										2160927.89				3662584.56
	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																																													0.04
						96665.54		212764.64