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 Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
 For the Quarter
30.09.2022		 Up to the quarter 30.09.2022
















































Claims Paid (Direct) - - - - - - - - - -

- - - - - -

- - - -

- - 0.01 26.00 - -

- - - - - - 0.01 26.00 - - 0.01 26.00
Add   :Re-insurance accepted to direct claims 174,347.99 344,965.70 8,324.15 19,133.93 20,361.08 29,821.43 28,685.23 48,955.36 151,351.85 290,423.45

151,351.85 290,423.45 85,849.10 187,075.55 9,458.18 20,663.62

95,307.28 207,739.17 260.42 646.00

10,852.63 23,601.78 11,542.56 24,576.52 64,689.36 176,887.36

-5,215.18 24,090.55 7,830.35 12,495.50 1,059.35 5,648.69 337,678.62 766,109.02 29,560.88 84,941.96 570,272.73 1,244,972.05
Less :Re-insurance Ceded to claims paid 5,544.08 14,669.13 816.75 1,102.03 4,708.27 4,561.02 5,525.02 5,663.05 - -

- - 2,337.24 8,399.65 53.80 87.33

2,391.03 8,486.97 - -

463.38 463.65 3,250.44 6,687.63 4,805.52 4,819.55

43.97 281.06 348.41 348.49 - - 11,302.77 21,087.37 0.00 8,185.88 22,371.87 49,605.43
Net Claim Paid 168,803.91 330,296.57 7,507.40 18,031.90 15,652.82 25,260.42 23,160.21 43,292.31 151,351.85 290,423.45

151,351.85 290,423.45 83,511.86 178,675.90 9,404.39 20,576.30
0 92,916.25 199,252.20 260.42 646.00
0 10,389.25 23,138.13 8,292.13 17,914.89 59,883.84 172,067.81
0 -5,259.15 23,809.49 7,481.94 12,147.01 1,059.35 5,648.69 326,375.87 745,047.66 29,560.88 76,756.08 547,900.87 1,195,392.62
Add Claims Outstanding at the end of the year
 120,920.68 2,355,791.35 -1,950.50 125,848.34 11,997.80 205,754.85 10,047.30 331,603.19 45,717.85 1,859,405.88

45,717.85 1,859,405.88 21,556.32 410,760.81 113.19 91,099.24

21,669.51 501,860.05 199.46 11,856.47

13,204.19 318,690.87 11,555.86 183,917.68 57,371.71 1,052,745.23

8,937.54 140,724.86 4,616.73 146,470.42 8,507.89 117,609.03 171,780.73 4,333,280.48 3,685.66 97,810.00 306,434.37 7,118,485.02
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 289,724.59 599,953.56 5,556.89 17,666.78 27,650.61 26,536.45 33,207.50 44,203.23 197,069.70 400,908.39

197,069.70 400,908.39 105,068.18 180,602.06 9,517.58 23,477.98
0 114,585.77 204,080.05 459.87 1,311.77
0 23,593.44 51,380.03 19,848.00 28,881.72 117,255.54 388,833.56
0 3,678.38 33,237.53 12,098.67 31,114.66 9,567.24 18,718.07 498,156.61 1,158,465.78 33,246.54 68,629.88 854,335.23 1,871,226.45
















































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 corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021 For the corresponding quarter of the previous year 30.09.2021 up to the Quarter of the previous year 30.09.2021
















































Claims Paid (Direct) - - - - - - - - - -

- - - - - -

- - - -

- - 15.51 15.50 - -

- - - - - - 15.51 15.50 - - 15.51 15.50
Add   :Re-insurance accepted to direct claims 90,705.24 292,581.60 16,796.09 35,570.46 19,326.87 37,995.31 36,122.96 73,565.77 109,452.65 253,217.04

109,452.65 253,217.04 105,587.59 236,185.43 9,220.48 22,196.79

114,808.07 258,382.22 365.56 671.86

11,688.19 29,114.46 19,709.35 46,210.69 219,926.52 410,187.63

1,883.87 14,102.67 7,296.47 12,643.14 3,874.63 7,388.49 489,005.30 1,031,918.19 54,507.09 103,158.11 670,340.59 1,501,223.67
Less :Re-insurance Ceded to claims paid 22,059.37 23,586.19 -1,003.10 419.49 1,544.45 7,270.13 541.35 7,689.62 - -

- - 2,494.14 6,796.26 18.15 81.91

2,512.29 6,878.17 - -

39.00 161.87 7,231.35 13,276.38 6,250.54 7,572.66

300.62 441.77 0.00 1.99 - - 16,333.81 28,332.85 - - 38,934.53 59,608.66
Net Claim Paid 68,645.87 268,995.41 17,799.19 35,150.97 17,782.42 30,725.18 35,581.61 65,876.15 109,452.65 253,217.04

109,452.65 253,217.04 103,093.45 229,389.17 9,202.33 22,114.88

112,295.78 251,504.05 365.56 671.86

11,649.18 28,952.58 12,493.50 32,949.80 213,675.98 402,614.97

1,583.25 13,660.90 7,296.47 12,641.15 3,874.63 7,388.49 472,687.00 1,003,600.84 54,507.09 103,158.11 631,421.57 1,441,630.51
Add Claims Outstanding at the end of the year
 137,395.71 2,004,323.97 8,061.16 126,615.85 13,307.68 195,394.01 21,368.84 322,009.86 34,125.52 1,654,062.65

34,125.52 1,654,062.65 71,216.52 447,158.01 9,684.49 94,078.62

80,901.00 541,236.62 -2,110.98 9,828.03

11,107.37 270,503.41 7,614.63 167,333.53 -11,735.49 1,079,988.43

-1,280.60 130,099.57 2,169.95 121,261.37 13,857.23 106,308.06 134,648.63 4,080,621.67 34,796.54 182,085.22 328,209.72 6,589,040.72
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 206,041.58 559,878.15 25,860.35 50,704.72 31,090.10 49,526.92 56,950.45 100,231.64 143,578.17 323,256.18

143,578.17 323,256.18 174,309.96 253,533.22 18,886.82 33,821.68

193,196.78 287,354.90 -1,745.42 610.52

22,756.56 47,756.62 20,123.65 47,425.65 201,940.49 504,573.90

302.65 33,645.56 9,466.42 27,570.82 17,731.85 17,790.77 607,351.15 1,289,984.92 89,303.62 193,292.01 959,646.80 2,143,386.72










































-




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