FORM NL-5 - CLAIMS SCHEDULE 
CLAIMS INCURRED [NET]
GENERAL INSURANCE CORPORATION OF INDIA
FOR THE YEARs ENDED 31ST MARCH, 2005 TO 31ST MARCH 2010
  Claims Incurred (Net)
 
  Particulars 31st March 2010 31st March 2009 31st March 2008 31st March 2007 31sr March 2006 31st March 2005 31st March 2004
  (Rs. '000) (Rs. '000) (Rs. '000) (Rs. '000) (Rs. '000) (Rs. '000) (Rs. '000)
A FIRE INSURANCE
Claims Paid              
Direct  0  0  0  0  0  0  0
Add : Reinsurance accepted 13925 745 14089 618 13487 005 12848 481 10332 654 6678 013 5277 684
Less: Reinsurance ceded 1681 719 2160 184 2124 363 2861 595 4767 613 689 604 657 450
Net Claims Paid 12244 026 11929 434 11362 642 9986 886 5565 041 5988 409 4620 234
Add : Claims Outstanding at the end of the year 26969 610 22849 850 17974 360 12898 431 12368 212 8656 583 6517 977
Less: Claims Outstanding at the beginning of the year 22849 850 18093 984 12895 861 12368 212 8656 583 6517 977 5438 273
Total Claims Incurred 16363 786 16685 300 16441 141 10517 105 9276 670 8127 015 5699 938
B MISCELLANEOUS INSURANCE
(1) MOTOR              
Claims Paid              
Direct  0  0  0  0  0  0  0
Add : Reinsurance accepted 20499 411 18104 164 21116 957 14957 671 8333 131 12088 110 9520 013
Less: Reinsurance ceded  123 7 033 10 714 11 481 12 286  0  0
Net Claims Paid 20499 288 18097 131 21106 243 14946 190 8320 845 12088 110 9520 013
Add : Claims Outstanding at the end of the year 31733 679 30597 952 33079 604 36388 262 40885 579 29570 823 26064 205
Less: Claims Outstanding at the beginning of the year 30597 952 33085 745 36388 260 40885 579 29570 823 26064 205 22561 758
Total Claims Incurred 21635 015 15609 338 17797 587 10448 873 19635 601 15594 728 13022 460
(2) AVIATION              
Claims Paid              
Direct 88 265 5 532 7 803 1 114 33 808 10 459 17 557
Add : Reinsurance accepted 4151 914 4195 652 3111 697 3113 050 1741 685 1012 658 543 649
Less: Reinsurance ceded 670 131 1031 443 -122 803 1368 074 83 381 180 500 114 238
Net Claims Paid 3570 048 3169 741 3242 303 1746 090 1692 112 842 617 446 968
Add : Claims Outstanding at the end of the year 5077 680 5760 611 3135 388 3875 946 2902 355 1951 625 1050 520
Less: Claims Outstanding at the beginning of the year 5760 611 3135 265 3875 946 2902 355 1951 625 1050 520 544 173
Total Claims Incurred 2887 117 5795 087 2501 745 2719 681 2642 842 1743 722 953 315
(3) ENGINEERING              
Claims Paid              
Direct  0  0  0  0  0  0  0
Add : Reinsurance accepted 2747 241 2913 988 2474 354 1820 246 670 587 1203 565 1493 922
Less: Reinsurance ceded 289 892 665 361 460 522 271 432 225 685 280 852 466 148
Net Claims Paid 2457 349 2248 627 2013 832 1548 814 444 902 922 713 1027 774
Add : Claims Outstanding at the end of the year 6270 387 5647 953 5083 188 3912 074 3351 692 2202 749 2014 684
Less: Claims Outstanding at the beginning of the year 5647 953 5092 053 3911 978 3351 692 2202 749 2014 684 1083 631
Total Claims Incurred 3079 783 2804 527 3185 042 2109 196 1593 845 1110 778 1958 827
4 OTHER MISCELLANEOUS              
Claims Paid              
Direct 0 0 0  0  0  0  0
Add : Reinsurance accepted 17129132 13273 290 15294878 9344 926 5950 508 6864 544 4915 658
Less: Reinsurance ceded 210672 168 743 388713 264 053 622 185 143 702 86 002
Net Claims Paid 16918460 13104 547 14906165 9080 873 5328 323 6720 842 4829 656
Add : Claims Outstanding at the end of the year 10293254 7331 289 6056527 6178 220 8283 682 4222 764 3532 117
Less: Claims Outstanding at the beginning of the year 7331288 6085 140 6178149 8283 682 4222 764 3532 118 2991 905
Total Claims Incurred 19880426 14350 696 14784543 6975 411 9389 241 7411 488 5369 868
(5) TOTAL  MISCELLANEOUS              
Claims Paid              
Direct 88 265 5 532 7 803 1 114 33 808 10 459 17 557
Add : Reinsurance accepted 44527 698 38487 095 41997 886 29235 892 16695 911 21168 877 16473 242
Less: Reinsurance ceded 1170 818 1872 580 737 145 1915 040 943 537 605 054 666 388
Net Claims Paid 43445 145 36620 047 41268 544 27321 966 15786 182 20574 282 15824 411
Add : Claims Outstanding at the end of the year 53375 000 49337 804 47354 706 50354 502 55423 309 37947 962 32661 526
Less: Claims Outstanding at the beginning of the year 49337 804 47398 204 50354 334 55423 309 37947 962 32661 527 27181 467
Total Claims Incurred 47482 341 38559 647 38268 916 22253 159 33261 529 25860 717 21304 470
C MARINE INSURANCE
(1) MARINE CARGO              
Claims Paid              
Direct  0  0  0  0  0  0  0
Add : Reinsurance accepted 2159 333 1884 498 2581 600 1791 514 1696 365 1810 195 1098 970
Less: Reinsurance ceded 48 001 31 166 126 367 318 906 187 273 587 078 35 624
Net Claims Paid 2111 332 1853 332 2455 233 1472 608 1509 092 1223 117 1063 346
Add : Claims Outstanding at the end of the year 2686 226 3014 794 2476 574 2434 115 2239 069 1927 602 1178 942
Less: Claims Outstanding at the beginning of the year 3014 794 2484 885 2434 115 2239 069 1927 602 1178 942 1046 732
Total Claims Incurred 1782 764 2383 241 2497 692 1667 654 1820 559 1971 777 1195 556
(2) MARINE HULL              
Claims Paid              
Direct  0  0  0  0  0  0  0
Add : Reinsurance accepted 3664 243 2643 967 1871 829 1609 192 1134 870 1068 680 643 141
Less: Reinsurance ceded 529 425 630 072 210 127 455 036 177 358 263 182 180 719
Net Claims Paid 3134 818 2013 895 1661 702 1154 156 957 512 805 498 462 422
Add : Claims Outstanding at the end of the year 6026 679 6294 772 3780 278 2552 510 1924 592 1514 945 1276 367
Less: Claims Outstanding at the beginning of the year 6294 772 3804 772 2552 510 1924 592 1514 945 1276 367 985 192
Total Claims Incurred 2866 725 4503 895 2889 470 1782 074 1367 159 1044 076 753 597
(3) TOTAL MARINE               
Claims Paid              
Direct  0  0  0  0  0  0  0
Add : Reinsurance accepted 5823 576 4528 465 4453 429 3400 707 2831 234 2878 875 1742 111
Less: Reinsurance ceded 577 426 661 238 336 495 773 942 364 630 850 260 216 343
Net Claims Paid 5246 150 3867 227 4116 934 2626 765 2466 604 2028 615 1525 768
Add : Claims Outstanding at the end of the year 8712 905 9309 566 6256 852 4986 625 4163 661 3442 546 2455 309
Less: Claims Outstanding at the beginning of the year 9309 566 6289 657 4986 625 4163 661 3442 546 2455 309 2031 924
Total Claims Incurred 4649 489 6887 136 5387 161 3449 729 3187 719 3015 852 1949 153
D LIFE INSURANCE
Claims Paid              
Direct  0  0  0  0  0  0  0
Add : Reinsurance accepted 40 799 4 120 3 240 2 956 26 455  0  0
Less: Reinsurance ceded  0  0  0  0  0  0  0
Net Claims Paid 40 799 4 120 3 240 2 956 26 455  0  0
Add : Claims Outstanding at the end of the year 84 062 56 600 21 435 6 943 2 782 24 443  0
Less: Claims Outstanding at the beginning of the year 56 600 21 435 6 943 2 782 24 443  0  0
Total Claims Incurred 68 261 39 285 17 732 7 117 4 794 24 443  0
E TOTAL ALL CLASSES
Claims Paid              
Direct 88 265 5 532 7 803 1 114 33 808 10 459 17 557
Add : Reinsurance accepted 64317 818 57109 298 59941 560 45488 035 29886 254 30725 765 23493 037
Less: Reinsurance ceded 3429 963 4694 002 3198 003 5550 577 6075 780 2144 918 1540 181
Net Claims Paid 60976 120 52420 828 56751 360 39938 572 23844 282 28591 306 21970 413
Add : Claims Outstanding at the end of the year 89141 577 81553 820 71607 353 68246 502 71957 964 50071 534 41634 812
Less: Claims Outstanding at the beginning of the year 81553 820 71803 279 68243 763 71957 964 50071 534 41634 813 34651 664
Total Claims Incurred 68563 877