FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA   
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 31.03.2016
(` '000)
  PARTICULARS For the quarter ending 31.03.2016 Up to  the quarter ending 31.03.2016 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 11704 877 38282 764 11333 594 36728 178
  Less :Re-insurance Ceded to claims paid 3573 515 9209 430 711 722 1563 411
  Net Claims Paid 8131 362 29073 334 10621 872 35164 767
  Add : Claims Outstanding at the end of the year -7286 024 73001 061 -6388 925 67582 224
  Less: Claims Outstanding at the beginning of the year  0 67582 224  0 76208 072
  Total Claims Incurred 845 338 34492 171 4232 947 26538 919
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 10495 218 29418 461 9707 681 41344 945
  Less :Re-insurance Ceded to claims paid  0  0  0  0
  Net Claims Paid 10495 218 29418 461 9707 681 41344 945
  Add : Claims Outstanding at the end of the year 6656 172 61161 102 2128 200 51587 884
  Less: Claims Outstanding at the beginning of the year  0 51587 884  0 54058 415
  Total Claims Incurred 17151 390 38991 679 11835 881 38874 414
(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  0 -11 700  0 4 057
  Add   :Re-insurance accepted to direct claims 1562 726 3901 682 1039 827 3324 259
  Less :Re-insurance Ceded to claims paid 14 697 332 185 2 504 143 556
  Net Claims Paid 1548 029 3557 797 1037 323 3184 760
  Add : Claims Outstanding at the end of the year -590 706 8550 135 96 726 8803 936
  Less: Claims Outstanding at the beginning of the year  0 8803 936  0 7900 822
  Total Claims Incurred 957 323 3303 996 1134 049 4087 874
(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 1647 215 4392 151 1465 372 3889 855
  Less :Re-insurance Ceded to claims paid 131 397 164 800  118 17 234
  Net Claims Paid 1515 818 4227 351 1465 254 3872 621
  Add : Claims Outstanding at the end of the year -2037 012 16497 841 -3099 516 18382 485
  Less: Claims Outstanding at the beginning of the year  0 18382 485  0 17748 578
  Total Claims Incurred -521 194 2342 707 -1634 262 4506 528
(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 24 519 89 996 31 433 79 206
  Less :Re-insurance Ceded to claims paid  0  0  0  0
  Net Claims Paid 24 519 89 996 31 433 79 206
  Add : Claims Outstanding at the end of the year 33 060 210 187 -44 825 161 463
  Less: Claims Outstanding at the beginning of the year  0 161 463  0 163 235
  Total Claims Incurred 57 579 138 720 -13 392 77 434
(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 211 884 436 967 34 300 243 887
  Less :Re-insurance Ceded to claims paid  0  0 5 454 38 252
  Net Claims Paid 211 884 436 967 28 846 205 635
  Add : Claims Outstanding at the end of the year -228 815 1726 140 203 209 1579 545
  Less: Claims Outstanding at the beginning of the year  0 1579 545  0 1842 666
  Total Claims Incurred -16 931 583 562 232 055 -57 486
(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 476 144 1443 703 848 586 2586 724
  Less :Re-insurance Ceded to claims paid  0  0  0  0
  Net Claims Paid 476 144 1443 703 848 586 2586 724
  Add : Claims Outstanding at the end of the year 118 661 2015 981 753 498 1888 768
  Less: Claims Outstanding at the beginning of the year  0 1888 768  0 2406 549
  Total Claims Incurred 594 805 1570 916 1602 084 2068 943
(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 8037 423 21544 530 5183 957 17748 458
  Less :Re-insurance Ceded to claims paid  0  0  0  0
  Net Claims Paid 8037 423 21544 530 5183 957 17748 458
  Add : Claims Outstanding at the end of the year -2618 048 12428 273 3846 760 12700 829
  Less: Claims Outstanding at the beginning of the year  0 12700 829  0 9158 105
  Total Claims Incurred 5419 375 21271 974 9030 717 21291 182
(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 7979 942 16887 122 2125 942 9320 071
  Less :Re-insurance Ceded to claims paid 683 321 1049 991  0  0
  Net Claims Paid 7296 621 15837 131 2125 942 9320 071
  Add : Claims Outstanding at the end of the year 955 118 9924 875 1499 134 9707 154
  Less: Claims Outstanding at the beginning of the year  0 9707 154  0 10337 916
  Total Claims Incurred 8251 739 16054 852 3625 076 8689 309
(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 1595 593 1995 532 542 154 1225 730
  Less :Re-insurance Ceded to claims paid  0  0  0  0
  Net Claims Paid 1595 593 1995 532 542 154 1225 730
  Add : Claims Outstanding at the end of the year -1186 156 6872 775 2125 594 6648 242
  Less: Claims Outstanding at the beginning of the year  0 6648 242  0 5885 222
  Total Claims Incurred 409 437 2220 065 2667 748 1988 750
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  0 -11 700  0 4 057
  Add   :Re-insurance accepted to direct claims 32030 664 80110 144 20979 252 79763 135
  Less :Re-insurance Ceded to claims paid 829 415 1546 976 8 076 199 042
  Net Claims Paid 31201 249 78551 468 20971 176 79568 150
  Add : Claims Outstanding at the end of the year 1102 274 119387 309 7508 780 111460 306
  Less: Claims Outstanding at the beginning of the year  0 111460 306  0 109501 508
  Total Claims Incurred 32303 523 86478 471 28479 956 81526 948
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 932 642 1863 470 1705 394 3274 157
  Less :Re-insurance Ceded to claims paid  1 51 005 62 693 62 823
  Net Claims Paid 932 641 1812 465 1642 701 3211 334
  Add : Claims Outstanding at the end of the year 384 137 5899 043 484 908 5556 870
  Less: Claims Outstanding at the beginning of the year  0 5556 870  0 5225 659
  Total Claims Incurred 1316 778 2154 638 2127 609 3542 545
(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 1887 723 4630 060 1136 436 4242 795
  Less :Re-insurance Ceded to claims paid 421 104 516 246 110 955 309 043
  Net Claims Paid 1466 619 4113 814 1025 481 3933 752
  Add : Claims Outstanding at the end of the year 92 240 9740 973 836 124 9681 428
  Less: Claims Outstanding at the beginning of the year  0 9681 428  0 7238 540
  Total Claims Incurred 1558 859 4173 359 1861 605 6376 640
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 2820 365 6493 530 2841 830 7516 952
  Less :Re-insurance Ceded to claims paid 421 105 567 251 173 648 371 866
  Net Claims Paid 2399 260 5926 279 2668 182 7145 086
  Add : Claims Outstanding at the end of the year 476 377 15640 016 1321 032 15238 298
  Less: Claims Outstanding at the beginning of the year  0 15238 298  0 12464 199
  Total Claims Incurred 2875 637 6327 997 3989 214 9919 185
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 884 772 1802 156 415 818 995 129
  Less :Re-insurance Ceded to claims paid 284 861 295 481 115 604 321 318
  Net Claims Paid 599 911 1506 675 300 214 673 811
  Add : Claims Outstanding at the end of the year 49 606 1047 227 289 582 853 942
  Less: Claims Outstanding at the beginning of the year  0 853 942  0 595 087
  Total Claims Incurred 649 517 1699 960 589 796 932 666
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  0 -11 700  0 4 057
  Add   :Re-insurance accepted to direct claims 47440 678 126688 594 35570 494 125003 394
  Less :Re-insurance Ceded to claims paid 5108 896 11619 138 1009 050 2455 637
  Net Claims Paid 42331 782 115057 756 34561 444 122551 814
  Add : Claims Outstanding at the end of the year -5657 767 209075 613 2730 469 195134 770
  Less: Claims Outstanding at the beginning of the year  0 195134 770  0 198768 866
  Total Claims Incurred 36674 015 128998 599 37291 913 118917 718