
FORM NL-5 - CLAIMS SCHEDULE

Name of the Insurer: GENERAL INSURANCE CORPORATION OF INDIA
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 31.12.2020
					( ₹ in 000)
	PARTICULARS	For the Three Months ending 31.12.2020	Upto Nine Months Ending 31.12.2020	For the Three Months ending 31.12.2019	Upto Nine Months Ending 31.12.2019
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	17340 412	52734 316	21945 063	55956 886
	Less: Re-insurance Ceded to claims paid	1155 342	4782 893	430 353	5603 922
	Net Claims Paid	16185 070	47951 423	21514 710	50352 964
	Add: Claims Outstanding at the end of the year	4657 535	171048 319	184 934	142032 168
	Less: Claims Outstanding at the beginning of the year	0	139677 646	0	124265 299
	Total Claims Incurred	20842 605	79322 096	21699 644	68119 833


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	8476 557	33547 812	14208 821	39690 401
	Less: Re-insurance Ceded to claims paid	167 832	-103 701	0	0
	Net Claims Paid	8308 725	33651 513	14208 821	39690 401
	Add: Claims Outstanding at the end of the year	8309 037	158262 015	6777 046	140739 676
	Less: Claims Outstanding at the beginning of the year	0	143935 246	0	119087 988
	Total Claims Incurred	16617 762	47978 282	20985 867	61342 089


(2)	AVIATION
	Claims paid
	Direct claims	0	4 431	5 750	5 750
	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	1360 717	6760 011	1549 387	6830 021
	Less: Re-insurance Ceded to claims paid	363 777	1373 041	346 282	1377 991
	Net Claims Paid	996 940	5391 401	1208 855	5457 780
	Add: Claims Outstanding at the end of the year	2226 711	17861 728	1910 626	14218 499
	Less: Claims Outstanding at the beginning of the year	0	14995 311	0	11137 632
	Total Claims Incurred	3223 651	8257 818	3119 481	8538 647


(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	1017 901	4296 922	1093 630	3645 912
	Less: Re-insurance Ceded to claims paid	28 921	-25 636	11 318	86 324
	Net Claims Paid	988 980	4322 558	1082 312	3559 588
	Add: Claims Outstanding at the end of the year	1575 673	24021 757	426 679	21158 557
	Less: Claims Outstanding at the beginning of the year	0	22213 251	0	17733 208
	Total Claims Incurred	2564 653	6131 064	1508 991	6984 937


(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	51 133	127 918	31 290	102 655
	Less: Re-insurance Ceded to claims paid	0	0	0	0
	Net Claims Paid	51 133	127 918	31 290	102 655
	Add: Claims Outstanding at the end of the year	121 466	1014 629	25 700	788 417
	Less: Claims Outstanding at the beginning of the year	0	812 377	0	655 257
	Total Claims Incurred	172 599	330 170	56 990	235 815


(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	589 549	1286 102	222 307	651 525
	Less: Re-insurance Ceded to claims paid	114	8 730	302	8 644
	Net Claims Paid	589 435	1277 372	222 005	642 881
	Add: Claims Outstanding at the end of the year	473 181	9974 743	612 530	6969 867
	Less: Claims Outstanding at the beginning of the year	0	8036 253	0	4769 475
	Total Claims Incurred	1062 616	3215 862	834 535	2843 273


(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	969 952	3122 204	1290 943	3012 309
	Less: Re-insurance Ceded to claims paid	0	0	161	161
	Net Claims Paid	969 952	3122 204	1290 782	3012 148
	Add: Claims Outstanding at the end of the year	168 067	8925 995	-38 071	7100 341
	Less: Claims Outstanding at the beginning of the year	0	7555 901	0	5945 650
	Total Claims Incurred	1138 019	4492 298	1252 711	4166 839


(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	4325 392	26057 865	11905 858	29694 487
	Less: Re-insurance Ceded to claims paid	84 615	3870 961	193 880	193 880
	Net Claims Paid	4240 777	22186 904	11711 978	29500 607
	Add: Claims Outstanding at the end of the year	3810 282	42808 776	2616 648	36479 485
	Less: Claims Outstanding at the beginning of the year	- 238	35261 054	0	20178 545
	Total Claims Incurred	8051 297	29734 626	14328 626	45801 547


(8)	Agriculture
	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	46698 557	123526 400	30290 713	86465 142
	Less: Re-insurance Ceded to claims paid	8286 327	8717 652	26 819	277 403
	Net Claims Paid	38412 230	114808 748	30263 894	86187 739
	Add: Claims Outstanding at the end of the year	-21063 024	134184 667	-13980 784	170552 994
	Less: Claims Outstanding at the beginning of the year	0	159349 639	0	112451 396
	Total Claims Incurred	17349 206	89643 776	16283 110	144289 337


(9)	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	506 056	3771 980	751 285	2752 867
	Less: Re-insurance Ceded to claims paid	140 039	331 022	20 315	632 267
	Net Claims Paid	366 017	3440 958	730 970	2120 600
	Add: Claims Outstanding at the end of the year	172 434	11568 083	-1893 439	8974 535
	Less: Claims Outstanding at the beginning of the year	0	5311 910	0	8811 750
	Total Claims Incurred	538 451	9697 131	-1162 469	2283 385


(10)	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	768 302	1229 843	294 842	1177 848
	Less: Re-insurance Ceded to claims paid	0	0	0	16 407
	Net Claims Paid	768 302	1229 843	294 842	1161 441
	Add: Claims Outstanding at the end of the year	427 216	9479 197	-118 401	9251 890
	Less: Claims Outstanding at the beginning of the year	0	9431 623	0	8183 734
	Total Claims Incurred	1195 518	1277 417	176 441	2229 597


	TOTAL MISCELLANEOUS
	Claims paid
	Direct claims	0	4 431	5 750	5 750
	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	64764 116	203727 057	61639 076	174023 167
	Less: Re-insurance Ceded to claims paid	9071 625	14172 069	599 077	2593 077
	Net Claims Paid	55692 491	189559 419	61045 746	171435 840
	Add: Claims Outstanding at the end of the year	-3778 955	418101 590	-3661 466	416234 261
	Less: Claims Outstanding at the beginning of the year	- 238	406902 565	0	308954 635
	Total Claims Incurred	51913 774	200758 444	57384 280	278715 466


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	1432 580	5204 810	1272 586	3280 599
	Less: Re-insurance Ceded to claims paid	349 168	667 218	60 293	226 066
	Net Claims Paid	1083 412	4537 592	1212 293	3054 533
	Add: Claims Outstanding at the end of the year	785 572	9589 046	79 802	7273 101
	Less: Claims Outstanding at the beginning of the year	0	6816 985	0	6124 214
	Total Claims Incurred	1868 984	7309 653	1292 095	4203 420


(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	3157 108	6737 281	2046 810	4371 728
	Less: Re-insurance Ceded to claims paid	98 428	131 910	39 393	925 480
	Net Claims Paid	3058 680	6605 371	2007 417	3446 248
	Add: Claims Outstanding at the end of the year	316 243	17987 270	890 908	13743 428
	Less: Claims Outstanding at the beginning of the year	0	14190 427	0	11730 451
	Total Claims Incurred	3374 923	10402 214	2898 325	5459 225


	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	4589 688	11942 091	3319 396	7652 327
	Less: Re-insurance Ceded to claims paid	447 596	799 128	99 686	1151 546
	Net Claims Paid	4142 092	11142 963	3219 710	6500 781
	Add: Claims Outstanding at the end of the year	1101 815	27576 316	970 711	21016 529
	Less: Claims Outstanding at the beginning of the year	0	21007 412	0	17854 665
	Total Claims Incurred	5243 907	17711 867	4190 421	9662 645


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	2625 403	6166 224	1612 006	4778 956
	Less: Re-insurance Ceded to claims paid	158 515	315 165	71 461	454 752
	Net Claims Paid	2466 888	5851 059	1540 545	4324 204
	Add: Claims Outstanding at the end of the year	1462 359	8601 534	51 768	4904 952
	Less: Claims Outstanding at the beginning of the year	0	5729 442	0	4242 699
	Total Claims Incurred	3929 247	8723 151	1592 313	4986 457


E	TOTAL ALL CLASSES
	Claims paid
	Direct claims	0	4 431	5 750	5 750
	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	89319 619	274569 688	88515 541	242411 336
	Less: Re-insurance Ceded to claims paid	10833 078	20069 255	1200 577	9803 297
	Net Claims Paid	78486 541	254504 864	87320 714	232613 789
	Add: Claims Outstanding at the end of the year	3442 754	625327 759	-2454 052	584187 910
	Less: Claims Outstanding at the beginning of the year	- 238	573317 065	0	455317 298
	Total Claims Incurred	81929 533	306515 558	84866 662	361484 401