FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA   
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 30.09.2015
(` '000)
PARTICULARS For the quarter ending 30.09.2015 Up to  the quarter ending 30.09.2015 For the corresponding quarter of the preceeding year  Up to the Quarter of the prceeding year
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 10215916 17967270 7987698 16418133
Less :Re-insurance Ceded to claims paid 4703294 5381981 453391 74904
Net Claims Paid 5512622 12585289 7534307 16343229
Add : Claims Outstanding at the end of the year 8476314 77618612 4881277 82119342
Less: Claims Outstanding at the beginning of the year 0 67582224 -29616 76178456
Total Claims Incurred 13988936 22621677 12445200 22284115
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 5676548 13697138 4939093 26226716
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 5676548 13697138 4939093 26226716
Add : Claims Outstanding at the end of the year 397858 52316238 5299580 43600920
Less: Claims Outstanding at the beginning of the year 0 51587884 0 54058415
Total Claims Incurred 6074406 14425492 10238673 15769221
(2) AVIATION
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 -14479 -6485 4082 4057
Add   :Re-insurance accepted to direct claims 638468 1579710 977661 1532945
Less :Re-insurance Ceded to claims paid -7087 268035 136957 141052
Net Claims Paid 631076 1305190 844786 1395950
Add : Claims Outstanding at the end of the year -391249 9269555 -562625 7677207
Less: Claims Outstanding at the beginning of the year 0 8803936 0 7900822
Total Claims Incurred 239827 1770809 282161 1172335
(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 940734 1873273 1043693 1799237
Less :Re-insurance Ceded to claims paid 19542 20758 1582 1590
Net Claims Paid 921192 1852515 1042111 1797647
Add : Claims Outstanding at the end of the year -1905 17926231 843793 19933728
Less: Claims Outstanding at the beginning of the year 0 18382485 0 17748578
Total Claims Incurred 919287 1396261 1885904 3982797
(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 18390 40978 18004 32154
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 18390 40978 18004 32154
Add : Claims Outstanding at the end of the year -10155 149107 83712 218118
Less: Claims Outstanding at the beginning of the year 0 161463 0 163235
Total Claims Incurred 8235 28622 101716 87037
(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 70240 146675 68833 112634
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 70240 146675 68833 112634
Add : Claims Outstanding at the end of the year 340156 1962163 -85773 1441094
Less: Claims Outstanding at the beginning of the year 0 1579545 29616 1872282
Total Claims Incurred 410396 529293 -46556 -318554
(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 247614 652826 433435 1257860
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 247614 652826 433435 1257860
Add : Claims Outstanding at the end of the year -255419 1832192 -1465641 1001100
Less: Claims Outstanding at the beginning of the year 0 1888768 0 2406549
Total Claims Incurred -7805 596250 -1032206 -147589
(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 3884401 8655181 3039976 6897368
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 3884401 8655181 3039976 6897368
Add : Claims Outstanding at the end of the year 520173 13759823 -818860 8919678
Less: Claims Outstanding at the beginning of the year 0 12700829 0 9158105
Total Claims Incurred 4404574 9714175 2221116 6658941
(8) 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 4306251 7164366 1447288 4034897
Less :Re-insurance Ceded to claims paid 101426 365586 0 0
Net Claims Paid 4204825 6798780 1447288 4034897
Add : Claims Outstanding at the end of the year 17479 8759520 -3039417 7045996
Less: Claims Outstanding at the beginning of the year 0 9707154 0 10337916
Total Claims Incurred 4222304 5851146 -1592129 742977
(9) 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 115935 239577 99737 485095
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 115935 239577 99737 485095
Add : Claims Outstanding at the end of the year 1178497 7879262 -614401 4400618
Less: Claims Outstanding at the beginning of the year 0 6648242 0 5885222
Total Claims Incurred 1294432 1470597 -514664 -999509
TOTAL  MISCELLANEOUS
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 -14479 -6485 4082 4057
Add   :Re-insurance accepted to direct claims 15898581 34049724 12067720 42378906
Less :Re-insurance Ceded to claims paid 113881 654379 138539 142642
Net Claims Paid 15770221 33388860 11933263 42240321
Add : Claims Outstanding at the end of the year 1795435 113854091 -359632 94238459
Less: Claims Outstanding at the beginning of the year 0 111460306 29616 109531124
Total Claims Incurred 17565656 35782645 11544015 26947656
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 2334406 2220443 580381 1109187
Less :Re-insurance Ceded to claims paid 15852 50606 139 139
Net Claims Paid 2318554 2169837 580242 1109048
Add : Claims Outstanding at the end of the year 77296 5848882 -786012 4962166
Less: Claims Outstanding at the beginning of the year 0 5556870 0 5225659
Total Claims Incurred 2395850 2461849 -205770 845555
(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 1410073 2388704 1060646 2106640
Less :Re-insurance Ceded to claims paid 15368 53542 -25791 48236
Net Claims Paid 1394705 2335162 1086437 2058404
Add : Claims Outstanding at the end of the year -899535 9672763 -392986 7656067
Less: Claims Outstanding at the beginning of the year 0 9681428 0 7238540
Total Claims Incurred 495170 2326497 693451 2475931
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 3744479 4609147 1641027 3215827
Less :Re-insurance Ceded to claims paid 31220 104148 -25652 48375
Net Claims Paid 3713259 4504999 1666679 3167452
Add : Claims Outstanding at the end of the year -822239 15521645 -1178998 12618233
Less: Claims Outstanding at the beginning of the year 0 15238298 0 12464199
Total Claims Incurred 2891020 4788346 487681 3321486
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 482596 576483 173912 462638
Less :Re-insurance Ceded to claims paid 0 -12590 77651 179933
Net Claims Paid 482596 589073 96261 282705
Add : Claims Outstanding at the end of the year 34713 963797 -26860 521475
Less: Claims Outstanding at the beginning of the year 0 853942 0 595087
Total Claims Incurred 517309 698928 69401 209093
E TOTAL ALL CLASSES
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 -14479 -6485 4082 4057
Add   :Re-insurance accepted to direct claims 30341572 57202624 21870357 62475504
Less :Re-insurance Ceded to claims paid 4848395 6127918 643929 445854
Net Claims Paid 25478698 51068221 21230510 62033707
Add : Claims Outstanding at the end of the year 9484223 207958145 3315787 189497509
Less: Claims Outstanding at the beginning of the year 0 195134770 0 198768866
Total Claims Incurred 34962921 63891596 24546297 52762350