FORM NL-5 - CLAIMS SCHEDULE
(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
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
30.09.2021
For the Quarter
30.09.2021
Up to the quarter
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   0 112,295.78 251,504.05 365.56 671.86   0 11,649.18 28,952.58 12,493.50 32,949.80 213,675.98 402,614.97   0 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   0 193,196.78 287,354.90 (1,745.42) 610.52   0 22,756.56 47,756.62 20,108.14 47,410.15 201,940.49 504,573.90   0 302.65 33,645.56 9,466.42 27,570.82 17,731.85 17,790.77 607,335.64 1,289,969.42 89,303.62 193,292.01 959,631.29 2,143,371.22
                                                                                             
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  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020 For the corresponding quarter of the previous year  30.09.2020 up to the Quarter of the previous year 30.09.2020
                                                                                             
Claims Paid (Direct) - - - - - - - - - -     - - - - - -     - - - -     - - 44.31 44.31 - -     - - - - - -     - - - -
Add   :Re-insurance accepted to direct claims 204,920.82 353,939.04 21,571.57 37,722.30 20,122.47 35,801.73 41,694.05 73,524.04 111,253.69 250,712.55     111,253.69 250,712.55 136,562.92 217,324.73 9,858.56 21,522.53     146,421.48 238,847.26 230.75 767.85     15,541.48 32,790.21 36,923.75 53,992.94 646,389.20 768,278.43     22,080.69 32,659.24 3,979.89 6,965.53 1,488.84 4,615.41 984,309.76 1,389,629.41 14,145.31 35,408.21 1,245,069.94 1,852,500.70
Less :Re-insurance Ceded to claims paid 31,970.84 36,275.51 2,509.28 3,180.50 738.09 334.82 3,247.37 3,515.32 2,267.95 (2,715.33)     2,267.95 (2,715.33) 36,476.68 37,863.46 - -     36,476.68 37,863.46 - -     305.36 (545.57) 5,122.43 10,092.65 4,115.79 4,313.25     2,333.95 1,909.83 (485.83) 86.16 - - 50,136.33 51,004.45 544.84 1,566.50 85,899.39 92,361.79
 Net Claim Paid 172,949.98 317,663.53 19,062.29 34,541.80 19,384.39 35,466.92 38,446.68 70,008.72 108,985.73 253,427.87     108,985.73 253,427.87 100,086.24 179,461.27 9,858.56 21,522.53     109,944.80 200,983.80 230.75 767.85     15,236.12 33,335.78 31,845.62 43,944.59 642,273.41 763,965.18     19,746.74 30,749.41 4,465.72 6,879.37 1,488.84 4,615.41 934,217.74 1,338,669.27 13,600.46 33,841.70 1,159,214.86 1,760,183.22
Add Claims Outstanding at the end of the year
85,718.47 1,663,907.84 13,204.02 88,034.74 28,980.38 176,710.27 42,184.41 264,745.02 57,061.96 1,499,529.78     57,061.96 1,499,529.78 43,156.28 389,984.94 8,382.64 87,579.28     51,538.92 477,564.22 162.98 8,931.63     15,290.61 224,460.84 (599.36) 156,350.17 (468,497.13) 1,552,476.91     9,190.08 113,956.49 2,177.28 95,015.62 (3,215.81) 90,519.81 (336,890.47) 4,218,805.47 8,761.76 71,391.75 (200,225.84) 6,218,850.07
Less Claims Outstanding at the beginning of the year
0.00 1,396,776.46 (0.00) 68,169.85 0.00 141,904.27 0.00 210,074.12 0.00 1,439,352.46     0.00 1,439,352.46 2.38 352,612.92 (0.00) 75,559.01     2.38 428,171.93 (0.00) 8,123.77     0.00 222,132.51 0.00 149,953.11 0.00 1,593,496.39     0.00 53,119.10 (0.00) 80,362.53 0.00 94,316.23 2.39 4,069,028.04 0.00 57,294.42 2.39 5,733,173.04
Net Incurred Claims 258,668.45 584,794.91 32,266.32 54,406.70 48,364.76 70,272.91 80,631.08 124,679.61 166,047.69 313,605.19     166,047.69 313,605.19 143,240.14 216,833.29 18,241.20 33,542.80     161,481.34 250,376.09 393.72 1,575.70     30,526.72 35,664.10 31,246.26 50,341.65 173,776.28 722,945.70     28,936.82 91,586.80 6,643.01 21,532.47 (1,726.97) 818.99 597,324.88 1,488,446.70 22,362.22 47,939.03 958,986.63 2,245,860.25
                                                                                    -        
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