Lok Sabha Question No. 269 (STARRED), answered on 2015-08-07
Subject: Settlement of Claim by Insurance Companies
Ministry: FINANCE
Asked by: LALLU SINGH

**POSITION NO. 7**

GOVERNMENT OF INDIA

MINISTRY OF FINANCE

DEPARTMENT OF FINANCIAL SERVICES

**LOK SABHA**

**STARRED QUESTION NO. *269**

TO BE ANSWERED ON Friday, August 7, 2015/Shravana 16, 1937 (Saka)

**Settlement of Claim by Insurance Companies**

**QUESTION**

†*269. SHRI LALLU SINGH:

Will the Minister of FINANCE be pleased to state:

(a) 	whether there exist a difference between the claims amount and the amount settled and payment given to a customer by insurance companies;

(b) 	if so, the reasons therefore along with the amount of claims preferred and the payment given/settled by the insurance companies during the last three years and the current year, company-wise;

(c) 	the number of policies and the amount withheld/blocked by the insurance companies finding fault with the policy holders during the said period, company-wise; and

(d) 	the corrective steps taken/being taken by the Government in this regard?

**ANSWER**

THE FINANCE MINISTER

(SHRI ARUN JAITLEY)

1. to (d): A Statement is laid on the Table of the House.

**STATEMENT REFERRED TO IN REPLY TO PART (a) to (d) OF LOK SABHA STARRED QUESTION NO. *269 FOR 7** **th** **AUGUST, 2015 REGARDING “SETTLEMENT OF CLAIM BY INSURANCE COMPANIES” TABLED BY SHRI LALLU SINGH, M.P.**

**(a):** In Life Insurances sector **s** uch instances have not come to the notice of the Insurance Regulatory and Development Authority of India (IRDAI) in case of Claims.  The claims are either paid or repudiated in case of life insurance. Those awaiting decision are considered outstanding claims.

In Non-Life Insurance whenever a claim is intimated / registered in a company, it is done on a provisional estimate basis, based on the information provided by the insured. This estimation is revised when the final assessment is received. The final assessment of the claim is subject to actual expenditure as well as other terms and conditions such as Sum Insured, depreciation, excess, average clause, etc. applicable under the policy. Most of the general insurance policies are indemnity policies.

**(b):** Life insurance contracts are assurance contracts where the amount payable on claim is defined and assured. Here the benefit is either paid or repudiated and the difference in amount claimed and amount paid is usually not observed. The life insurance claims data (Individual & Group) containing claims reported, settled, repudiated, outstanding for years 2012-13, 2013-14 and 2014-15 is given in **Annexures 1-6.**

However, in case of Non-Life Insurance and Health Insurance contracts are indemnity based. In Non-life insurance claims, the loss or damage to the property or expenditure incurred towards treatment in health insurance is claimed. In case of non-life insurance the loss is assessed by surveyor and the amount of claim settled may not always be equal to the amount claimed and differences are not uncommon. Similarly, in case of health insurance due to policy terms, conditions and exclusions the amount claimed and the amount settled may not be equal. In case there is a dispute with regard to claim amount settled or a grievance, the claimants have recourse to Insurance Ombudsman appointed in 17 important cities and other redressal forums such as Integrated Grievance Management System of IRDAI, consumer courts and regular courts. For major industrial claims there is an option of arbitration as well.

The consolidated data in terms of claims intimated, settled and repudiated for last three years for Health Insurance is enclosed in Annexure -7, 8 and for Non-Life Insurance in Annexures **9-10.**

**(c):** **Life Insurance** **:** Under the existing regulatory framework governing the settlement of claims in insurance policies, no insurance company shall withhold or block the claims unless there are express orders from the Court. Once a claim is reported, the insurance companies shall either settle the claim or repudiate the claim (denial of the claim) in accordance with the terms and conditions of the policy contract and in accordance with provisions of Regulation 8 of IRDA(Protection of Policyholders Interests) Regulations.

**Health Insurance** : Under the existing regulatory framework governing the settlement of health insurance policies , no insurance company shall withhold or block the claims. Once a claim is reported, the Insurance Companies shall either settle the claim or repudiate the claim (denial of the claim) in accordance with the terms and conditions of the policy contracts.

**(d):** IRDA (Protection of Policyholder’s Interest) Regulations, 2002 have been notified by the Authority in order to protect the interests of the policyholders. Regulations 8 and 9 of IRDA (Protection of Policyholders Interests) Regulations 2002 mandate claims procedure in case of Life and Non-life Policies.  Regulation (8) (d) of IRDA (Health Insurance) Regulations 2013 govern the settlement of health insurance claims.

In addition to the above, IRDAI does both offsite monitoring and periodical onsite inspection and initiates regulatory action wherever it deems necessary. IRDAI also monitors the claims payment position of the insurance companies by collecting the claims payment data quarterly. Further, IRDAI has formed an Integrated Grievance Management System (IGMS) for real time monitoring of the policy related (including claims) grievances from consumers. Under IGMS, IRDAI plays a facilitative role in resolution of policyholder grievances.

********

| **LIFE INSURANCE - INDIVIDUAL DEATH CLAIMS FOR THE FY 2012-13 (Amount in Rs. Lakhs)                                                                      ANNEXURE-1**   |                                           |                    |                                              |                    |                             |                    |                            |                    |                                  |                    |                                    |                    |                                         |                    |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|--------------------|----------------------------------------------|--------------------|-----------------------------|--------------------|----------------------------|--------------------|----------------------------------|--------------------|------------------------------------|--------------------|-----------------------------------------|--------------------|
| **Life Insurer**                                                                                                                                                        | **Claims pending at start of the period** |                    | **Claims intimated / booked during 2012-13** |                    | **Total Claims in 2012-13** |                    | **Claims paid in 2012-13** |                    | **Claims repudiated in 2012-13** |                    | **Claims written back in 2012-13** |                    | **Claims pending at end of the period** |                    |
|                                                                                                                                                                         | **No of Policies**                        | **Benefit Amount** | **No of Policies**                           | **Benefit Amount** | **No of Policies**          | **Benefit Amount** | **No of Policies**         | **Benefit Amount** | **No of Policies**               | **Benefit Amount** | **No of Policies**                 | **Benefit Amount** | **No of Policies**                      | **Benefit Amount** |
| **Aegon Religare**                                                                                                                                                      | 4                                         | 37.22              | 418                                          | 2013.29            | 422                         | 2050.50            | 282                        | 1181.00            | 140                              | 869.51             | 0                                  | 0.00               | 0                                       | 0.00               |
| **Aviva**                                                                                                                                                               | 20                                        | 285.82             | 2413                                         | 11349.53           | 2433                        | 11635.35           | 2134                       | 7996.96            | 291                              | 3517.81            | 0                                  | 0.00               | 8                                       | 120.58             |
| **Bajaj Allianz**                                                                                                                                                       | 845                                       | 2623.22            | 26437                                        | 41730.31           | 27282                       | 44353.53           | 24192                      | 34925.13           | 1979                             | 6273.32            | 0                                  | 0.00               | 1111                                    | 3155.08            |
| **Bharti Axa**                                                                                                                                                          | 14                                        | 207.64             | 1032                                         | 2291.57            | 1046                        | 2499.21            | 936                        | 1789.67            | 101                              | 579.84             | 0                                  | 0.00               | 9                                       | 129.71             |
| **Birla Sunlife**                                                                                                                                                       | 31                                        | 204.00             | 9840                                         | 31978.31           | 9871                        | 32182.30           | 8149                       | 22420.68           | 1278                             | 6472.23            | 0.00                               | 0.00               | 444                                     | 3289.40            |
| **Canara HSBC**                                                                                                                                                         | 20                                        | 75.73              | 577                                          | 2420.62            | 597                         | 2496.36            | 528                        | 2177.64            | 58                               | 218.49             | 0.00                               | 0.00               | 11                                      | 100.23             |
| **DHFL Pramerica**                                                                                                                                                      | 137                                       | 426.55             | 477                                          | 1370.45            | 614                         | 1797.00            | 166                        | 411.77             | 121                              | 332.10             | 2.00                               | 0.02               | 325                                     | 1053.11            |
| **Edelweiss Tokio**                                                                                                                                                     | 0                                         | 0.00               | 22                                           | 321.94             | 22                          | 321.94             | 10                         | 50.64              | 9                                | 248.30             | 0                                  | 0.00               | 3                                       | 23.00              |
| **Future Generali**                                                                                                                                                     | 96                                        | 426.00             | 1845                                         | 3445.00            | 1941                        | 3871.00            | 1369                       | 2283.00            | 502                              | 1203.00            | 0                                  | 0.00               | 70                                      | 385.00             |
| **HDFC Std**                                                                                                                                                            | 10                                        | 121.00             | 6243                                         | 16271.00           | 6253                        | 16392.00           | 5988                       | 14392.45           | 164                              | 1019.01            | 0                                  | 0.00               | 101                                     | 980.55             |
| **ICICI Pru**                                                                                                                                                           | 47                                        | 263.87             | 14901                                        | 31983.07           | 14948                       | 32246.93           | 14393                      | 29249.73           | 543                              | 2762.78            | 0.00                               | 0.00               | 12                                      | 234.42             |
| **IDBI Federal**                                                                                                                                                        | 31                                        | 207.92             | 656                                          | 2618.33            | 687                         | 2826.25            | 550                        | 2038.69            | 111                              | 616.64             | 0.00                               | 0.00               | 26                                      | 170.92             |
| **India First**                                                                                                                                                         | 0                                         | 0.00               | 916                                          | 2293.52            | 916                         | 2293.52            | 654                        | 1424.14            | 241                              | 706.17             |                                    | 0.00               | 21                                      | 163.21             |
| **Exide**                                                                                                                                                               | 153                                       | 407.47             | 3159                                         | 4768.51            | 3312                        | 5175.98            | 2780                       | 3585.24            | 333                              | 986.11             | 20                                 | 40.23              | 179                                     | 564.40             |
| **Kotak Mahindra**                                                                                                                                                      | 110                                       | 782.41             | 2979                                         | 8252.62            | 3089                        | 9035.03            | 2843                       | 7163.33            | 186                              | 1430.74            | 0.00                               | 0.00               | 60                                      | 440.96             |
| **Max Life**                                                                                                                                                            | 143                                       | 800.68             | 8908                                         | 22389.14           | 9051                        | 23189.82           | 8531                       | 20507.90           | 512                              | 2605.31            | 0.00                               | 0.00               | 8                                       | 76.61              |
| **PNB Met Life**                                                                                                                                                        | 187                                       | 1072.00            | 2218                                         | 8148.00            | 2405                        | 9220.00            | 2017                       | 6777.00            | 317                              | 1738.00            | 4                                  | 7.00               | 67                                      | 698.00             |
| **Reliance Life**                                                                                                                                                       | 910                                       | 2395.00            | 20502                                        | 25342.00           | 21412                       | 27737.00           | 18511                      | 20787.00           | 1545                             | 4366.00            | 0                                  | 0.00               | 1356                                    | 2584.00            |
| **Sahara**                                                                                                                                                              | 170                                       | 139.00             | 785                                          | 724.00             | 955                         | 863.00             | 809                        | 718.00             | 64                               | 74.00              | 13                                 | 9.00               | 69                                      | 62.00              |
| **SBI Life**                                                                                                                                                            | 158                                       | 557.74             | 13268                                        | 23008.29           | 13426                       | 23566.03           | 12676                      | 21752.02           | 496                              | 630.41             | 0                                  | 0.00               | 254                                     | 1183.60            |
| **Shriram**                                                                                                                                                             | 297                                       | 712.32             | 1305                                         | 3498.96            | 1602                        | 4211.28            | 1079                       | 2142.26            | 442                              | 1655.33            | 0.00                               | 0.00               | 81                                      | 413.69             |
| **Star Union**                                                                                                                                                          | 55                                        | 188.67             | 683                                          | 1529.04            | 738                         | 1717.71            | 662                        | 1375.14            | 20                               | 36.88              | 0                                  | 0.00               | 56                                      | 305.68             |
| **Tata AIA**                                                                                                                                                            | 29                                        | 254.00             | 4855                                         | 12525.84           | 4884                        | 12779.84           | 4125                       | 9582.33            | 592                              | 2331.58            |                                    | 0.00               | 167                                     | 865.93             |
| **Private Total**                                                                                                                                                       | 3467                                      | 12188.25           | 124439                                       | 260273.34          | 127906                      | 272461.59          | 113384                     | 214731.72          | 10045                            | 40673.56           | 39                                 | 57.78              | 4438                                    | 17000.07           |
| **LIC**                                                                                                                                                                 | 8856                                      | 17134.00           | 741720                                       | 737953.00          | 750576                      | 755087.00          | 733545                     | 722290.00          | 8440                             | 16168.00           | 762                                | 1804.00            | 7829                                    | 14825.00           |
| **Industry Total**                                                                                                                                                      | 12323                                     | 29322.25           | 866159                                       | 998226.34          | 878482                      | 1027548.59         | 846929                     | 937021.72          | 18485                            | 56841.56           | 801                                | 1861.78            | 12267                                   | 31825.07           |

| **LIFE INSURANCE - GROUP DEATH CLAIMS FOR THE FY 2012-13 (Amount in Rs. Lakhs)                                                               ANNEXURE - 2**   |                                           |                    |                                              |                    |                             |                    |                            |                    |                                  |                    |                                    |                    |                                         |                    |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|--------------------|----------------------------------------------|--------------------|-----------------------------|--------------------|----------------------------|--------------------|----------------------------------|--------------------|------------------------------------|--------------------|-----------------------------------------|--------------------|
| **Life Insurer**                                                                                                                                              | **Claims pending at start of the period** |                    | **Claims intimated / booked during 2012-13** |                    | **Total Claims in 2012-13** |                    | **Claims paid in 2012-13** |                    | **Claims repudiated in 2012-13** |                    | **Claims written back in 2012-13** |                    | **Claims pending at end of the period** |                    |
|                                                                                                                                                               | **No of Lives**                           | **Benefit Amount** | **No of Lives**                              | **Benefit Amount** | **No of Lives**             | **Benefit Amount** | **No of Lives**            | **Benefit Amount** | **No of Lives**                  | **Benefit Amount** | **No of Lives**                    | **Benefit Amount** | **No of Lives**                         | **Benefit Amount** |
| **Aegon Religare**                                                                                                                                            | 0                                         | 0.00               | 4                                            | 10.90              | 4                           | 10.90              | 4                          | 10.90              | 0                                | 0.00               | 0                                  | 0.00               | 0                                       | 0.00               |
| **Aviva**                                                                                                                                                     | 0                                         | 0.00               | 2406                                         | 1956.80            | 2406                        | 1956.80            | 2389                       | 1799.16            | 17                               | 157.64             | 0                                  | 0.00               | 0                                       | 0.00               |
| **Bajaj Allianz**                                                                                                                                             | 53                                        | 157.69             | 46871                                        | 21862.34           | 46924                       | 22020.03           | 45922                      | 19731.74           | 518                              | 1206.70            | 0                                  | 0.00               | 484                                     | 1081.59            |
| **Bharti Axa**                                                                                                                                                | 1                                         | 48.34              | 74                                           | 198.36             | 75                          | 246.69             | 70                         | 152.15             | 5                                | 94.54              | 0                                  | 0.00               | 0                                       | 0.00               |
| **Birla Sunlife**                                                                                                                                             | 0                                         | 0.00               | 1538                                         | 6186.97            | 1538                        | 6186.97            | 1530                       | 6113.37            | 2                                | 17.45              | 0                                  | 0.00               | 6                                       | 56.15              |
| **Canara HSBC**                                                                                                                                               | 1                                         | 1.46               | 159                                          | 113.68             | 160                         | 115.14             | 154                        | 100.43             | 4                                | 3.25               | 0                                  | 0.00               | 2                                       | 11.46              |
| **DHFL Pramerica**                                                                                                                                            | 0                                         | 0.00               | 46                                           | 6.10               | 46                          | 6.10               | 34.00                      | 4.08               | 0.00                             | 0.00               | 0                                  | 0.00               | 12                                      | 2.02               |
| **Edelweiss Tokio**                                                                                                                                           | 0                                         | 0.00               | 22                                           | 241.18             | 22                          | 241.18             | 21                         | 240.68             | 0                                | 0.00               | 0                                  | 0.00               | 1                                       | 0.50               |
| **Future Generali**                                                                                                                                           | 12424                                     | 1695.00            | 118                                          | 1676.00            | 12542                       | 3371.00            | 107                        | 1521.00            | 0                                | 0.00               | 0                                  | 0.00               | 12435                                   | 1850.00            |
| **HDFC Std**                                                                                                                                                  | 0                                         | 0.00               | 1529                                         | 2057.14            | 1529                        | 2057.14            | 1526                       | 2048.98            | 3                                | 8.16               | 0                                  | 0.00               | 0                                       | 0.00               |
| **ICICI Pru**                                                                                                                                                 | 5                                         | 96.06              | 3645                                         | 7063.82            | 3650                        | 7159.88            | 3593                       | 6318.57            | 49                               | 665.22             | 0                                  | 0.00               | 8                                       | 176.09             |
| **IDBI Federal**                                                                                                                                              | 3                                         | 20.66              | 844                                          | 325.24             | 847                         | 345.89             | 778                        | 285.78             | 66                               | 19.38              | 0                                  | 0.00               | 3                                       | 40.72              |
| **India First**                                                                                                                                               | 1                                         | 20.00              | 2600                                         | 2984.88            | 2601                        | 3004.88            | 2440                       | 2521.85            | 149                              | 379.97             | 0                                  | 0.00               | 12                                      | 103.06             |
| **Exide**                                                                                                                                                     | 16                                        | 12.34              | 250                                          | 310.74             | 266                         | 323.08             | 258                        | 298.85             | 5                                | 23.03              | 0                                  | 0.00               | 3                                       | 1.20               |
| **Kotak Mahindra**                                                                                                                                            | 78                                        | 288.00             | 8705                                         | 9821.51            | 8783                        | 10109.51           | 8690                       | 9605.32            | 71                               | 381.58             | 0                                  | 0.00               | 22                                      | 122.61             |
| **Max Life**                                                                                                                                                  | 52                                        | 85.42              | 13975                                        | 4784.67            | 14027                       | 4870.09            | 13898                      | 4670.52            | 122                              | 175.58             | 0                                  | 0.00               | 7                                       | 23.99              |
| **PNB Met Life**                                                                                                                                              | 9                                         | 125.00             | 2197                                         | 5678.00            | 2206                        | 5803.00            | 2115                       | 5729.00            | 83                               | 67.00              | 1                                  | 1.00               | 7                                       | 6.00               |
| **Reliance Life**                                                                                                                                             | 1                                         | 2.42               | 4647                                         | 2831.10            | 4648                        | 2833.52            | 4641                       | 2807.00            | 7                                | 26.52              | 0                                  | 0.00               | 0                                       | 0.00               |
| **Sahara**                                                                                                                                                    | 0                                         | 0.00               | 3                                            | 0.51               | 3                           | 0.51               | 3                          | 0.51               | 0                                | 0.00               | 0                                  | 0.00               |                                         |                    |
| **SBI Life**                                                                                                                                                  | 96                                        | 324.11             | 11403                                        | 23065.83           | 11499                       | 23389.94           | 11187                      | 22217.57           | 247                              | 959.09             | 0                                  | 0.00               | 65                                      | 213.28             |
| **Shriram**                                                                                                                                                   | 0                                         | 0.00               | 3746                                         | 5897.70            | 3746                        | 5897.70            | 3746                       | 5897.70            | 0                                | 0.00               | 0                                  | 0.00               | 0                                       | 0.00               |
| **Star Union**                                                                                                                                                | 8                                         | 12.91              | 729                                          | 694.90             | 737                         | 707.81             | 697                        | 612.72             | 7                                | 49.37              | 0                                  | 0.00               | 33                                      | 45.73              |
| **Tata AIA**                                                                                                                                                  | 19                                        | 69.38              | 1692                                         | 3306.69            | 1711                        | 3376.07            | 1516                       | 2219.92            | 59                               | 422.26             | 0                                  | 0.00               | 136                                     | 733.89             |
| **Private Total**                                                                                                                                             | 12767                                     | 2958.79            | 107203                                       | 101075.03          | 119970                      | 104033.82          | 105319                     | 94907.78           | 1414                             | 4656.75            | 1                                  | 1.00               | 13236                                   | 4468.30            |
| **LIC**                                                                                                                                                       | 873                                       | 914.00             | 244594                                       | 169994.00          | 245467                      | 170908.00          | 244350                     | 169737.00          | 16                               | 38.00              | 6                                  | 2.00               | 1095                                    | 1131.00            |
| **Industry Total**                                                                                                                                            | 13640                                     | 3872.79            | 351797                                       | 271069.03          | 365437                      | 274941.82          | 349669                     | 264644.78          | 1430                             | 4694.75            | 7                                  | 3.00               | 14331                                   | 5599.30            |

| **LIFE INSURANCE - INDIVIDUAL DEATH CLAIMS FOR THE YEAR 2013-14 (Amount in Rs. Lakhs)                                                      ANNEXURE -3**   |                                           |                    |                                              |                    |                             |                    |                             |                    |                                  |                    |                                    |                    |                                         |                    |
|------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|--------------------|----------------------------------------------|--------------------|-----------------------------|--------------------|-----------------------------|--------------------|----------------------------------|--------------------|------------------------------------|--------------------|-----------------------------------------|--------------------|
| **Life Insurer**                                                                                                                                           | **Claims pending at start of the period** |                    | **Claims intimated / booked during 2013-14** |                    | **Total Claims in 2013-14** |                    | **Claims paid  in 2013-14** |                    | **Claims repudiated in 2013-14** |                    | **Claims written back in 2013-14** |                    | **Claims pending at end of the period** |                    |
|                                                                                                                                                            | **No of Policies**                        | **Benefit Amount** | **No of Policies**                           | **Benefit Amount** | **No of Policies**          | **Benefit Amount** | **No of Policies**          | **Benefit Amount** | **No of Policies**               | **Benefit Amount** | **No of Policies**                 | **Benefit Amount** | **No of Policies**                      | **Benefit Amount** |
| Aegon Religare                                                                                                                                             | 0                                         | 0.00               | 400                                          | 3227.43            | **400**                     | **3227.43**        | 324                         | 2633.80            | 76                               | 593.64             | 0                                  | 0.00               | **0**                                   | **0.00**           |
| Aviva                                                                                                                                                      | 8                                         | 120.58             | 2025                                         | 11862.53           | **2033**                    | **11983.11**       | 1708                        | 8583.52            | 322                              | 3319.30            | 0.00                               | 0.00               | **3**                                   | **80.29**          |
| Bajaj Allianz                                                                                                                                              | 1111                                      | 3155.08            | 22613                                        | 40942.95           | **23724**                   | **44098.03**       | 21658                       | 36020.00           | 1494                             | 5745.38            | 0.00                               | 0.00               | **572**                                 | **2332.65**        |
| Bharti Axa                                                                                                                                                 | 9                                         | 129.71             | 1069                                         | 3249.41            | **1078**                    | **3379.11**        | 950                         | 2613.58            | 105                              | 566.17             | 0.00                               | 0.00               | **23**                                  | **199.37**         |
| Birla Sunlife                                                                                                                                              | 444                                       | 3289.00            | 8753                                         | 31193.00           | **9197**                    | **34482.00**       | 8071                        | 26814.00           | 880                              | 5664.00            | 0.00                               | 0.00               | **246**                                 | **2004.00**        |
| Canara HSBC                                                                                                                                                | 11                                        | 100.23             | 616                                          | 3016.71            | **627**                     | **3116.94**        | 544                         | 2376.64            | 67                               | 367.32             | 0.00                               | 0.00               | **16**                                  | **372.98**         |
| DHFL Pramerica                                                                                                                                             | 325                                       | 1051.57            | 533                                          | 1732.96            | **858**                     | **2784.54**        | 190                         | 629.59             | 204                              | 645.03             | 1.00                               | 5.00               | **463**                                 | **1504.91**        |
| Edelweiss Tokio                                                                                                                                            | 3                                         | 23.00              | 77                                           | 1007.00            | **80**                      | **1030.00**        | 48                          | 450.00             | 18                               | 448.00             | 0                                  | 0.00               | **14**                                  | **132.00**         |
| Future Generali                                                                                                                                            | 70                                        | 385.00             | 2159                                         | 3924.00            | **2229**                    | **4309.00**        | 1669                        | 2593.00            | 329                              | 857.00             | 0                                  | 0.00               | **231**                                 | **859.00**         |
| HDFC Std                                                                                                                                                   | 101                                       | 981.00             | 7158                                         | 24451.00           | **7259**                    | **25432.00**       | 6824                        | 21694.00           | 341                              | 2290.00            | 0.00                               | 0.00               | **94**                                  | **1448.00**        |
| ICICI Pru                                                                                                                                                  | 12                                        | 234.42             | 13386                                        | 35112.45           | **13398**                   | **35346.88**       | 12608                       | 27859.76           | 667                              | 4500.08            | 0.00                               | 0.00               | **123**                                 | **2987.03**        |
| IDBI Federal                                                                                                                                               | 26                                        | 170.92             | 906                                          | 3784.80            | **932**                     | **3955.72**        | 842                         | 3270.46            | 51                               | 437.60             | 0.00                               | 0.00               | **39**                                  | **247.67**         |
| India First                                                                                                                                                | 21                                        | 163.00             | 1237                                         | 3610.00            | **1258**                    | **3773.00**        | 920                         | 2090.00            | 289                              | 1420.00            | 0                                  | 0.00               | **49**                                  | **263.00**         |
| Exide                                                                                                                                                      | 179                                       | 564.40             | 3562                                         | 5839.28            | **3741**                    | **6403.68**        | 3111                        | 4136.69            | 379                              | 1139.45            | 44                                 | 162.08             | **207**                                 | **965.46**         |
| Kotak Mahindra                                                                                                                                             | 60                                        | 440.96             | 2903                                         | 8440.15            | **2963**                    | **8881.11**        | 2687                        | 7108.94            | 227                              | 1350.76            | 0.00                               | 0.00               | **49**                                  | **421.40**         |
| Max Life                                                                                                                                                   | 8                                         | 76.61              | 9470                                         | 24924.49           | **9478**                    | **25001.10**       | 8896                        | 21460.39           | 578                              | 3506.75            |                                    | 0.00               | **4**                                   | **33.96**          |
| PNB Met Life                                                                                                                                               | 67                                        | 698.00             | 2443                                         | 10118.90           | **2510**                    | **10816.90**       | 2265                        | 8240.30            | 236                              | 1530.40            | 1                                  | 2.00               | **8**                                   | **1044.20**        |
| Reliance Life                                                                                                                                              | 1356                                      | 2584.45            | 19677                                        | 27260.04           | **21033**                   | **29844.49**       | 17241                       | 20296.19           | 2287                             | 6213.39            | 0                                  | 0.00               | **1505**                                | **3334.91**        |
| Sahara                                                                                                                                                     | 69                                        | 61.83              | 767                                          | 716.78             | **836**                     | **778.61**         | 754                         | 675.35             | 66                               | 82.36              | 0                                  | 0.00               | **16**                                  | **20.90**          |
| SBI Life                                                                                                                                                   | 254                                       | 1183.60            | 13979                                        | 27670.62           | **14233**                   | **28854.23**       | 12960                       | 25528.11           | 745                              | 756.84             | 0                                  | 0.00               | **528**                                 | **2569.27**        |
| Shriram                                                                                                                                                    | 81                                        | 413.69             | 1346                                         | 3463.40            | **1427**                    | **3877.09**        | 966                         | 2029.66            | 271                              | 1078.44            |                                    | 0.00               | **190**                                 | **768.99**         |
| Star Union                                                                                                                                                 | 56                                        | 305.68             | 966                                          | 2194.91            | **1022**                    | **2500.59**        | 949                         | 1948.39            | 64                               | 524.96             | *0.00*                             | 0.00               | **9**                                   | **27.24**          |
| Tata AIA                                                                                                                                                   | 167                                       | 865.65             | 4544                                         | 10545.87           | **4711**                    | **11411.52**       | 4225                        | 9480.29            | 340                              | 1276.32            | 0.00                               | 0.00               | **146**                                 | **654.91**         |
| **Private Total**                                                                                                                                          | **4438**                                  | 16998.37           | **120589**                                   | 288288.70          | **125027**                  | **305287.07**      | **110410**                  | 238532.66          | **10036**                        | 44313.19           | **46**                             | 169.08             | **4535**                                | **22272.14**       |
| LIC                                                                                                                                                        | 7829                                      | 25465.00           | 752505                                       | 865039.00          | **760334**                  | **890504.00**      | 746212                      | 847526.00          | 8387                             | 18130.00           | 1773                               | 2079.00            | **3962**                                | **22769.00**       |
| **Industry Total**                                                                                                                                         | **12267**                                 | 42463.37           | **873094**                                   | 1153327.70         | **885361**                  | **1195791.07**     | **856622**                  | 1086058.66         | **18423**                        | 62443.19           | **1819**                           | 2248.08            | **8497**                                | **45041.14**       |

| **LIFE INSURANCE - GROUP DEATH CLAIMS FOR THE YEAR 2013-14 (Amount in Rs. Lakhs)                                                                   ANNEXURE -4**   |                                           |                    |                                              |                    |                             |                    |                             |                    |                                   |                    |                                     |                    |                                         |                    |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|--------------------|----------------------------------------------|--------------------|-----------------------------|--------------------|-----------------------------|--------------------|-----------------------------------|--------------------|-------------------------------------|--------------------|-----------------------------------------|--------------------|
| **Life Insurer**                                                                                                                                                   | **Claims pending at start of the period** |                    | **Claims intimated / booked during 2013-14** |                    | **Total Claims in 2013-14** |                    | **Claims paid  in 2013-14** |                    | **Claims repudiated  in 2013-14** |                    | **Claims written back  in 2013-14** |                    | **Claims pending at end of the period** |                    |
|                                                                                                                                                                    | **No of Lives**                           | **Benefit Amount** | **No of Lives**                              | **Benefit Amount** | **No of Lives**             | **Benefit Amount** | **No of Lives**             | **Benefit Amount** | **No of Lives**                   | **Benefit Amount** | **No of Lives**                     | **Benefit Amount** | **No of Lives**                         | **Benefit Amount** |
|                                                                                                                                                                    |                                           |                    |                                              |                    |                             |                    |                             |                    |                                   |                    |                                     |                    |                                         |                    |
| Aegon Religare                                                                                                                                                     | 0                                         | 0.00               | 6                                            | 59.25              | **6**                       | **59.25**          | 6                           | 59.25              | 0                                 | 0.00               | 0                                   | 0.00               | **0**                                   | **0.00**           |
| Aviva                                                                                                                                                              | 0                                         | 0.00               | 3231                                         | 1549.08            | **3231**                    | **1549.08**        | 3231                        | 1549.08            | 0                                 | 0.00               | 0                                   | 0.00               | **0**                                   | **0.00**           |
| Bajaj Allianz                                                                                                                                                      | 484                                       | 1081.59            | 82686                                        | 31460.55           | **83170**                   | **32542.14**       | 81735                       | 29097.69           | 1034                              | 2035.22            | 0                                   | 0.00               | **401**                                 | **1409.23**        |
| Bharti Axa                                                                                                                                                         | 0                                         | 0.00               | 84                                           | 386.91             | **84**                      | **386.91**         | 78                          | 360.03             | 6                                 | 26.88              | 0                                   | 0.00               | **0**                                   | **0.00**           |
| Birla Sunlife                                                                                                                                                      | 6                                         | 56.15              | 1928                                         | 8286.86            | **1934**                    | **8343.01**        | 1933                        | 8318.01            | 1                                 | 25.00              | 0                                   | 0.00               | **0**                                   | **0.00**           |
| Canara HSBC                                                                                                                                                        | 2                                         | 11.46              | 353                                          | 343.95             | **355**                     | **355.41**         | 342                         | 314.17             | 13                                | 41.24              | 0                                   | 0.00               | **0**                                   | **0.00**           |
| DHFL Pramerica                                                                                                                                                     | 12                                        | 2.02               | 418                                          | 66.24              | **430**                     | **68.26**          | 388.00                      | 60.50              | 9.00                              | 1.06               | 0                                   | 0.00               | **33**                                  | **6.70**           |
| Edelweiss Tokio                                                                                                                                                    | 1                                         | 0.50               | 183                                          | 555.00             | **184**                     | **555.50**         | 176                         | 551.00             | 2                                 | 1.00               | 0                                   | 0.00               | **6**                                   | **3.50**           |
| Future Generali                                                                                                                                                    | 12435                                     | 1850.00            | 164                                          | 1804.00            | **12599**                   | **3654.00**        | 133                         | 1573.00            | 0                                 | 0.00               | 0                                   | 0.00               | **12466**                               | **2081.00**        |
| HDFC Std                                                                                                                                                           | 0                                         | 0.00               | 2758                                         | 2895.00            | **2758**                    | **2895.00**        | 2758                        | 2895.00            | 0                                 | 0.00               | 0                                   | 0.00               | **0**                                   | **0.00**           |
| ICICI Pru                                                                                                                                                          | 8                                         | 176.09             | 2776                                         | 7159.59            | **2784**                    | **7335.68**        | 2703                        | 6420.05            | 59                                | 383.49             | 0                                   | 0.00               | **22**                                  | **532.14**         |
| IDBI Federal                                                                                                                                                       | 3                                         | 40.72              | 575                                          | 669.26             | **578**                     | **709.98**         | 575                         | 649.44             | 1                                 | 26.00              | 0                                   | 0.00               | **2**                                   | **34.54**          |
| India First                                                                                                                                                        | 12                                        | 103.06             | 2726                                         | 4717.06            | **2738**                    | **4820.12**        | 2371                        | 3191.26            | 311                               | 1416.28            | 0                                   | 0.00               | **56**                                  | **212.59**         |
| Exide                                                                                                                                                              | 3                                         | 1.20               | 259                                          | 201.94             | **262**                     | **203.14**         | 258                         | 178.56             | 1                                 | 1.00               | 0                                   | 0.00               | **3**                                   | **23.58**          |
| Kotak Mahindra                                                                                                                                                     | 22                                        | 122.61             | 13833                                        | 15085.02           | **13855**                   | **15207.63**       | 13735                       | 14394.70           | 96                                | 595.67             | 0                                   | 0.00               | **24**                                  | **217.26**         |
| Max Life                                                                                                                                                           | 7                                         | 23.99              | 10131                                        | 4559.62            | **10138**                   | **4583.61**        | 10067                       | 4439.70            | 71                                | 143.91             |                                     | 0.00               | **0**                                   | **0.00**           |
| PNB Met Life                                                                                                                                                       | 7                                         | 5.67               | 1357                                         | 6855.75            | **1364**                    | **6861.42**        | 1358                        | 6848.29            | 4                                 | 11.48              | 1                                   | 1.15               | **1**                                   | **0.50**           |
| Reliance Life                                                                                                                                                      | 0                                         | 0.00               | 1273                                         | 2585.95            | **1273**                    | **2585.95**        | 1265                        | 2562.69            | 2                                 | 9.90               | 0                                   | 0.00               | **6**                                   | **13.36**          |
| Sahara                                                                                                                                                             | 0                                         | 0.00               | 2                                            | 0.76               | **2**                       | **0.76**           | 1                           | 0.25               | 1                                 | 0.51               | 0                                   | 0.00               | **0**                                   | **0.00**           |
| SBI Life                                                                                                                                                           | 65                                        | 213.28             | 12412                                        | 28351.69           | **12477**                   | **28564.97**       | 12122                       | 26737.99           | 227                               | 1173.54            | 0                                   | 0.00               | **128**                                 | **653.44**         |
| Shriram                                                                                                                                                            |                                           | 0.00               | 5515                                         | 7613.69            | **5515**                    | **7613.69**        | 5515                        | 7613.69            | 0                                 | 0.00               |                                     | 0.00               | **0**                                   | **0.00**           |
| Star Union                                                                                                                                                         | 33                                        | 45.73              | 1531                                         | 1279.04            | **1564**                    | **1324.77**        | 1555                        | 1223.55            | 9                                 | 101.35             | *0.00*                              | 0.00               | **0**                                   | **0.13**           |
| Tata AIA                                                                                                                                                           | 136                                       | 733.89             | 1245                                         | 2981.53            | **1381**                    | **3715.42**        | 1225                        | 3187.07            | 74                                | 224.26             | 0                                   | 0.00               | **82**                                  | **304.10**         |
| **Private Total**                                                                                                                                                  | **13236**                                 | **4467.96**        | **145446**                                   | 129467.74          | **158682**                  | **133935.70**      | **143530**                  | 122224.96          | **1921**                          | 6217.78            | **1**                               | 1.15               | **13230**                               | **5491.82**        |
| LIC                                                                                                                                                                | 1095                                      | 1131.00            | 266201                                       | 187944.00          | **267296**                  | **187955.31**      | 266367                      | 188283.00          | 1                                 | 5.00               |                                     | 0.00               | **928**                                 | **332.69**         |
| **Industry Total**                                                                                                                                                 | **14331**                                 | **5598.96**        | **411647**                                   | 317411.74          | **425978**                  | **321891.01**      | **409897**                  | 310507.96          | **1922**                          | 6222.78            | **1**                               | 1.15               | **14158**                               | **5159.13**        |

|                                                                                                                                                                       |    |                    |      |                    |                    |       |                    |                    |    |                    |                    |       |                    |                    |      |                    |                    |        |                    |                    |                    |                    |                    |
|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------|----|--------------------|------|--------------------|--------------------|-------|--------------------|--------------------|----|--------------------|--------------------|-------|--------------------|--------------------|------|--------------------|--------------------|--------|--------------------|--------------------|--------------------|--------------------|--------------------|
| **LIFE INSURANCE - INDIVIDUAL DEATH CLAIMS FOR THE YEAR 2014-15*(Benefit Amount in Rs lakhs)                                                           ANNEXURE - 5** |    |                    |      |                    |                    |       |                    |                    |    |                    |                    |       |                    |                    |      |                    |                    |        |                    |                    |                    |                    |                    |
|                                                                                                                                                                       |    | **No of Policies** |      | **Benefit Amount** | **No of Policies** |       | **Benefit Amount** | **No of Policies** |    | **Benefit Amount** | **No of Policies** |       | **Benefit Amount** | **No of Policies** |      | **Benefit Amount** | **No of Policies** |        | **Benefit Amount** | **No of Policies** | **Benefit Amount** | **No of Policies** | **Benefit Amount** |
| **Aegon Religare**                                                                                                                                                    |    | 0                  | 0    | 0.00               | 460                | 460   | 3576.15            | **460**            |    | **3576.15**        | 413                | 413   | 3073.12            | 44                 | 44   | 510.72             | 2.00               | 2.00   | 3.49               | 0                  | 0.00               | **1**              | **0**              |
| **Aviva**                                                                                                                                                             |    | 3                  | 3    | 80.29              | 1687               | 1687  | 14899.12           | **1690**           |    | **14979.41**       | 1396               | 1396  | 10724.89           | 202                | 202  | 3097.37            | 83.00              | 83.00  | 950.54             | 0.00               | 0.00               | **9**              | **207**            |
| **Bajaj Allianz**                                                                                                                                                     |    | 572                | 572  | 2332.65            | 20089              | 20089 | 40620.92           | **20661**          |    | **42953.57**       | 18978              | 18978 | 34784.53           | 867                | 867  | 3899.99            | 192.00             | 192.00 | 632.73             | 0.00               | 0.00               | **624**            | **3636**           |
| **Bharti Axa**                                                                                                                                                        |    | 23                 | 23   | 199.37             | 1089               | 1089  | 4768.21            | **1112**           |    | **4967.58**        | 900                | 900   | 3551.73            | 180                | 180  | 1087.12            | 0.00               | 0.00   | 0.00               | 0.00               | 0.00               | **32**             | **329**            |
| **Birla Sunlife**                                                                                                                                                     |    | 246                | 246  | 2003.57            | 8190               | 8190  | 29842.00           | **8436**           |    | **31845.57**       | 8055               | 8055  | 27807.05           | 239                | 239  | 2265.96            | 0.00               | 0.00   | 0.00               | 0.00               | 0.00               | **142**            | **1773**           |
| **Canara HSBC**                                                                                                                                                       |    | 16                 | 16   | 372.98             | 560                | 560   | 3238.33            | **576**            |    | **3611.31**        | 516                | 516   | 2880.58            | 42                 | 42   | 492.87             | 0.00               | 0.00   | 0.00               | 0.00               | 0.00               | **18**             | **238**            |
| **DHFL Pramerica**                                                                                                                                                    |    | 463                | 463  | 1535.07            | 490                | 490   | 1526.81            | **953**            |    | **3061.88**        | 545                | 545   | 1494.14            | 304                | 304  | 1224.24            | 34.00              | 34.00  | 36.92              | 15.00              | 65.37              | **55**             | **241**            |
| **Edelweiss Tokio**                                                                                                                                                   |    | 14                 | 14   | 132.00             | 105                | 105   | 1214.60            | **119**            |    | **1346.60**        | 68                 | 68    | 723.92             | 33                 | 33   | 405.04             | 12.00              | 12.00  | 114.50             | 0                  | 0.00               | **6**              | **103**            |
| **Exide Life**                                                                                                                                                        |    | 206                | 206  | 965.43             | 3226               | 3226  | 7978.62            | **3432**           |    | **8944.06**        | 2955               | 2955  | 6013.81            | 395                | 395  | 2433.84            | 26.00              | 26.00  | 17.83              | 8                  | 74.59              | **48**             | **404**            |
| **Future Generali**                                                                                                                                                   |    | 231                | 231  | 859.00             | 1929               | 1929  | 3656.00            | **2160**           |    | **4515.00**        | 1808               | 1808  | 3094.00            | 314                | 314  | 1067.00            | 0.00               | 0.00   | 0.00               | 0.00               | 0.00               | **38**             | **354**            |
| **HDFC Std**                                                                                                                                                          |    | 94                 | 94   | 1448.00            | 12095              | 12095 | 38755.23           | **12189**          |    | **40203.23**       | 11031              | 11031 | 26352.46           | 721                | 721  | 6867.00            | 162.00             | 162.00 | 1628.54            | 0.00               | 0.00               | **275**            | **5355**           |
| **ICICI Pru**                                                                                                                                                         |    | 123                | 123  | 2987.03            | 12186              | 12186 | 41362.87           | **12309**          |    | **44349.90**       | 11546              | 11546 | 35286.05           | 667                | 667  | 7649.59            | 0.00               | 0.00   | 0.00               | 0.00               | 0.00               | **96**             | **1414**           |
| **IDBI Federal**                                                                                                                                                      |    | 39                 | 39   | 243.82             | 978                | 978   | 4331.63            | **1017**           |    | **4575.45**        | 736                | 736   | 3142.33            | 191                | 191  | 944.25             | 46.00              | 46.00  | 147.68             | 0                  | 0.00               | **44**             | **341**            |
| **India First**                                                                                                                                                       |    | 49                 | 49   | 263.00             | 1606               | 1606  | 4672.00            | **1655**           |    | **4935.00**        | 1195               | 1195  | 2982.00            | 191                | 191  | 833.00             | 187.00             | 187.00 | 545.00             | 0                  | 0.00               | **82**             | **575**            |
| **Kotak Mahindra**                                                                                                                                                    |    | 49                 | 49   | 421.40             | 2637               | 2637  | 8363.75            | **2686**           |    | **8785.15**        | 2437               | 2437  | 7217.10            | 159                | 159  | 737.24             | 3.00               | 3.00   | 11.51              | 0.00               | 0.00               | **87**             | **819**            |
| **Max Life**                                                                                                                                                          |    | 4                  | 4    | 33.96              | 9219               | 9219  | 26224.56           | **9223**           |    | **26258.52**       | 8804               | 8804  | 24546.61           | 299                | 299  | 1267.02            | 114.00             | 114.00 | 235.52             | 0.00               | 0.00               | **6**              | **209**            |
| **PNB Met Life**                                                                                                                                                      |    | 8                  | 8    | 1044.17            | 2458               | 2458  | 10949.21           | **2466**           |    | **11993.39**       | 2290               | 2290  | 10278.03           | 131                | 131  | 1000.03            | 6.00               | 6.00   | 15.62              | 2                  | 26.20              | **37**             | **674**            |
| **Reliance Life**                                                                                                                                                     |    | 1505               | 1505 | 3334.92            | 16637              | 16637 | 27802.15           | **18142**          |    | **31137.07**       | 15211              | 15211 | 22927.31           | 1001               | 1001 | 3714.70            | 880.00             | 880.00 | 1206.88            | 0                  | 0.00               | **1050**           | **3288**           |
| **Sahara**                                                                                                                                                            |    | 16                 | 16   | 20.90              | 762                | 762   | 688.91             | **778**            |    | **709.82**         | 700                | 700   | 637.68             | 32                 | 32   | 42.12              | 18.00              | 18.00  | 2.56               | 0                  | 0.00               | **28**             | **27**             |
| **SBI Life**                                                                                                                                                          |    | 528                | 528  | 2569.27            | 14348              | 14348 | 33908.06           | **14876**          |    | **36477.33**       | 13303              | 13303 | 30540.45           | 1053               | 1053 | 2784.80            | 50.00              | 50.00  | 12.21              | 0                  | 0.00               | **470**            | **3140**           |
| **Shriram**                                                                                                                                                           |    | 190                | 190  | 885.99             | 1770               | 1770  | 5371.78            | **1960**           |    | **6257.76**        | 1307               | 1307  | 3313.06            | 416                | 416  | 1735.78            | 17.00              | 17.00  | 65.54              | 0.00               | 0.00               | **220**            | **1143**           |
| **Star Union**                                                                                                                                                        |    | 9                  | 9    | 27.24              | 1257               | 1257  | 3684.78            | **1266**           |    | **3712.03**        | 1191               | 1191  | 3397.87            | 71                 | 71   | 281.27             | 0.00               | 0.00   | 0.00               | *0.00*             | 0.00               | **4**              | **33**             |
| **Tata AIA**                                                                                                                                                          |    | 146                | 146  | 655.26             | 3727               | 3727  | 9202.96            | **3873**           |    | **9858.23**        | 3659               | 3659  | 8826.84            | 177                | 177  | 784.16             | 0.00               | 0.00   | 0.00               | 0.00               | 0.00               | **37**             | **247**            |
| **Private Total**                                                                                                                                                     |    | **4534**           |      | 22415.34           | **117505**         |       | 326638.67          | **122039**         |    | **349054.01**      | **109044**         |       | 273595.56          | **7729**           |      | 45125.09           | **1832**           |        | 5627.07            | **25**             | 166.17             | **3409**           | **24551.30**       |
| **LIC**                                                                                                                                                               |    | **3962**           |      | 12072.00           | **751939**         |       | 914697.00          | **755901**         |    | **926769.00**      | **742243**         |       | 895543.00          | **8689**           |      | 19463.42           | **161.00**         |        | 250.00             | **1156**           | 2025.00            | **3652**           | **9488**           |
| **Industry Total**                                                                                                                                                    |    | **8496**           |      | 34487.34           | **869444**         |       | 1241335.67         | **877940**         |    | **1275823.01**     | **851287**         |       | 1169138.56         | **16418**          |      | 64588.51           | **1993**           |        | 5877.07            | **1181**           | 2191.17            | **7061**           | **34038.88**       |

**Life Insurer**

**Claims pending at start of the period**

**Claims intimated / booked during 2014-15**

**Total Claims in 2014-15**

**Claims paid in 2014-15**

**Claims repudiated in 2014-15**

**Claims rejected in 2014-15**

**Claims written back in 2014-15**

**Claims pending at end of the period**

| **LIFE INSURANCE - GROUP DEATH CLAIMS FOR THE YEAR 2014-15*(Amount in Rs. Lakhs)                                                                      ANNEXURE-6**   |                                           |                    |                                              |                    |                             |                    |                            |                    |                                  |                    |                                |                    |                                    |                    |                                         |                    |
|----------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------|--------------------|----------------------------------------------|--------------------|-----------------------------|--------------------|----------------------------|--------------------|----------------------------------|--------------------|--------------------------------|--------------------|------------------------------------|--------------------|-----------------------------------------|--------------------|
| **Life Insurer**                                                                                                                                                     | **Claims pending at start of the period** |                    | **Claims intimated / booked during 2014-15** |                    | **Total Claims in 2014-15** |                    | **Claims paid in 2014-15** |                    | **Claims repudiated in 2014-15** |                    | **Claims rejected in 2014-15** |                    | **Claims written back in 2014-15** |                    | **Claims pending at end of the period** |                    |
|                                                                                                                                                                      | **No of Lives**                           | **Benefit Amount** | **No of Lives**                              | **Benefit Amount** | **No of Lives**             | **Benefit Amount** | **No of Lives**            | **Benefit Amount** | **No of Lives**                  | **Benefit Amount** | **No of Policies**             | **Benefit Amount** | **No of Lives**                    | **Benefit Amount** | **No of Lives**                         | **Benefit Amount** |
|                                                                                                                                                                      |                                           |                    |                                              |                    |                             |                    |                            |                    |                                  |                    |                                |                    |                                    |                    |                                         |                    |
| **Aegon Religare**                                                                                                                                                   | 0                                         | 0.00               | 3                                            | 27.02              | **3**                       | **27.02**          | 3                          | 27.02              | 0                                | 0.00               | 0.00                           | 0.00               | 0                                  | 0.00               | **0.00**                                | **0.00**           |
| **Aviva**                                                                                                                                                            | 0                                         | 0.00               | 3617                                         | 1421.84            | **3617**                    | **1421.84**        | 3523                       | 1372.63            | 1                                | 3.68               | 93.00                          | 45.53              | 0                                  | 0.00               | **0.00**                                | **0.00**           |
| **Bajaj Allianz**                                                                                                                                                    | 401                                       | 1409.23            | 109468                                       | 40768.14           | **109869**                  | **42177.37**       | 107194                     | 38956.52           | 284                              | 1274.19            | 2068.00                        | 1030.60            | 0                                  | 0.00               | **323.00**                              | **916.06**         |
| **Bharti Axa**                                                                                                                                                       | 0                                         | 0.00               | 135                                          | 1325.75            | **135**                     | **1325.75**        | 112                        | 1007.57            | 23                               | 318.32             | 0.00                           | 0.00               | 0                                  | 0.00               | **0.00**                                | **-0.13**          |
| **Birla Sunlife**                                                                                                                                                    | 0                                         | 0.00               | 1768                                         | 8972.70            | **1768**                    | **8972.70**        | 1767                       | 8971.70            | 1                                | 1.00               | 0.00                           | 0.00               | 0                                  | 0.00               | **0.00**                                | **0.00**           |
| **Canara HSBC**                                                                                                                                                      | 0                                         | 0.00               | 428                                          | 348.16             | **428**                     | **348.16**         | 414                        | 319.15             | 13                               | 28.71              | 0.00                           | 0.00               | 0                                  | 0.00               | **1.00**                                | **0.30**           |
| **DHFL Pramerica**                                                                                                                                                   | 33                                        | 6.70               | 3756                                         | 1135.38            | **3789**                    | **1142.08**        | 3315.00                    | 862.82             | 38.00                            | 51.53              | 4.00                           | 1.63               | 0                                  | 0.00               | **432.00**                              | **226.10**         |
| **Edelweiss Tokio**                                                                                                                                                  | 6                                         | 3.00               | 636                                          | 608.43             | **642**                     | **611.43**         | 632                        | 588.02             | 2                                | 5.30               | 0.00                           | 0.00               | 0                                  | 0.00               | **8.00**                                | **18.11**          |
| **Exide**                                                                                                                                                            | 3                                         | 23.58              | 306                                          | 274.80             | **309**                     | **298.38**         | 308                        | 297.38             | 1                                | 1.00               | 0.00                           | 0.00               | 0                                  | 0.00               | **0.00**                                | **0.00**           |
| **Future Generali**                                                                                                                                                  | 12466                                     | 2081.00            | 125                                          | 1778.00            | **12591**                   | **3859.00**        | 154                        | 2038.00            | 2                                | 10.00              | 0.00                           | 0.00               | 0                                  | 0.00               | **12435.00**                            | **1811.00**        |
| **HDFC Std**                                                                                                                                                         | 0                                         | 0.00               | 5022                                         | 5832.65            | **5022**                    | **5832.65**        | 4957                       | 5285.69            | 57                               | 483.34             | 8.00                           | 62.74              | 0                                  | 0.00               | **0.00**                                | **0.88**           |
| **ICICI Pru**                                                                                                                                                        | 22                                        | 532.14             | 2312                                         | 7472.81            | **2334**                    | **8004.95**        | 2308                       | 7554.74            | 17                               | 253.26             | 1.00                           | 1.25               | 0                                  | 0.00               | **8.00**                                | **195.70**         |
| **IDBI Federal**                                                                                                                                                     | 2                                         | 34.68              | 1042                                         | 1138.79            | **1044**                    | **1173.47**        | 1035                       | 1092.33            | 7                                | 65.94              | 1.00                           | 2.90               | 0                                  | 0.00               | **1.00**                                | **12.30**          |
| **India First**                                                                                                                                                      | 56                                        | 212.59             | 3130                                         | 5359.50            | **3186**                    | **5572.09**        | 2750                       | 4269.70            | 301                              | 925.67             | 107.00                         | 271.50             | 0                                  | 0.00               | **28.00**                               | **105.21**         |
| **Kotak Mahindra**                                                                                                                                                   | 24                                        | 217.26             | 19374                                        | 19651.54           | **19398**                   | **19868.80**       | 19270                      | 19075.55           | 71                               | 434.33             | 13.00                          | 48.56              | 0                                  | 0.00               | **44.00**                               | **310.36**         |
| **Max Life**                                                                                                                                                         | 0                                         | 0.00               | 6088                                         | 4735.97            | **6088**                    | **4735.97**        | 6045                       | 4314.98            | 42                               | 368.40             | 0.00                           | 0.00               | 0                                  | 0.00               | **1.00**                                | **52.59**          |
| **PNB Met Life**                                                                                                                                                     | 1                                         | 0.65               | 1605                                         | 9207.82            | **1606**                    | **9208.48**        | 1593                       | 9156.67            | 2                                | 2.65               | 7.00                           | 26.83              | 0                                  | 0.00               | **4.00**                                | **22.32**          |
| **Reliance Life**                                                                                                                                                    | 6                                         | 13.36              | 2219                                         | 3311.30            | **2225**                    | **3324.66**        | 2221                       | 3316.63            | 1                                | 1.89               | 0.00                           | 0.00               | 0                                  | 0.00               | **3.00**                                | **6.14**           |
| **Sahara**                                                                                                                                                           | 0                                         | 0.00               | 1                                            | 1.05               | **1**                       | **1.05**           | 1                          | 1.05               | 0                                | 0.00               | 0.00                           | 0.00               | 0                                  | 0.00               | **0.00**                                | **0.00**           |
| **SBI Life**                                                                                                                                                         | 128                                       | 653.44             | 10475                                        | 29879.73           | **10603**                   | **30533.17**       | 10169                      | 28242.31           | 233                              | 1339.92            | 22.00                          | 105.12             | 0                                  | 0.00               | **179.00**                              | **845.82**         |
| **Shriram**                                                                                                                                                          | 0                                         | 0.00               | 6353                                         | 6720.89            | **6353**                    | **6720.89**        | 6353                       | 6720.89            | 0                                | 0.00               | 0.00                           | 0.00               | 0                                  | 0.00               | **0.00**                                | **0.00**           |
| **Star Union**                                                                                                                                                       | 0                                         | -0.13              | 907                                          | 2223.75            | **907**                     | **2223.63**        | 901                        | 2156.60            | 6                                | 47.85              | 0.00                           | 0.00               | *0.00*                             | 0.00               | **0.00**                                | **19.18**          |
| **Tata AIA**                                                                                                                                                         | 82                                        | 304.00             | 990                                          | 2922.34            | **1072**                    | **3226.34**        | 988                        | 2725.89            | 48                               | 308.45             | 0.00                           | 0.00               | 0                                  | 0.00               | **36.00**                               | **192.00**         |
| **Private Total**                                                                                                                                                    | **13230**                                 | 5491.51            | **179760**                                   | 155118.35          | **192990**                  | **160609.86**      | **176013**                 | 148353.86          | **1150**                         | 5925.43            | **2324**                       | 1596.65            | **0**                              | 0.00               | **13503**                               | **4733.93**        |
| **LIC**                                                                                                                                                              | **928**                                   | 787.00             | **272851**                                   | 203711.00          | **273779**                  | **204498.00**      | **272809**                 | 203727.00          | **80**                           | 40.30              | **0.00**                       | 0.00               | **0**                              | 0.00               | **890.00**                              | **730.70**         |
| **Industry Total**                                                                                                                                                   | **14158**                                 | 6278.51            | **452611**                                   | 358829.35          | **466769**                  | **365107.86**      | **448822**                 | 352080.86          | **1230**                         | 5965.73            | **2324**                       | 1596.65            | **0**                              | 0.00               | **14393**                               | **5464.63**        |

| **ANNEXURE - 7**                                                                                                                                                 |                                                 |                                       |                                                 |                                       |                                                 |                                       |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------|---------------------------------------|-------------------------------------------------|---------------------------------------|-------------------------------------------------|---------------------------------------|
| **HEALTH INSURANCE ( Company wise details of**  **NUMBER**  **of claims settled over the past 3 years )**                                                        |                                                 |                                       |                                                 |                                       |                                                 |                                       |
|                                                                                                                                                                  | **2012-13**                                     |                                       | **2013-14**                                     |                                       | **2014-15**                                     |                                       |
| **Insurers**                                                                                                                                                     | **No. Of Claims Intimated/ Booked during Year** | **No. Of Claims settled during Year** | **No. Of Claims Intimated/ Booked during Year** | **No. Of Claims settled during Year** | **No. Of Claims Intimated/ Booked during Year** | **No. Of Claims settled during Year** |
| **Bajaj**                                                                                                                                                        | **128293**                                      | **119700**                            | **342203**                                      | **286772**                            | **158303**                                      | **143288**                            |
| **Bharti AXA**                                                                                                                                                   | **56938**                                       | **46758**                             | **58261**                                       | **48590**                             | **70118**                                       | **56145**                             |
| **Cholas**                                                                                                                                                       | **172949**                                      | **161165**                            | **137158**                                      | **135299**                            | **64039**                                       | **57076**                             |
| **Future**                                                                                                                                                       | **44915**                                       | **44944**                             | **49498**                                       | **53706**                             | **45667**                                       | **46942**                             |
| **HDFC**                                                                                                                                                         | **117578**                                      | **96884**                             | **271721**                                      | **238777**                            | **150673**                                      | **117267**                            |
| **ICICI**                                                                                                                                                        | **3736102**                                     | **4337584**                           | **5495759**                                     | **5535548**                           | **2153294**                                     | **2478871**                           |
| **IFFCO**                                                                                                                                                        | **25011**                                       | **23440**                             | **34822**                                       | **35429**                             | **94442**                                       | **91394**                             |
| **L &  T**                                                                                                                                                   | **6593**                                        | **6490**                              | **12316**                                       | **9748**                              | **8657**                                        | **7010**                              |
| **Liberty**                                                                                                                                                      | **0**                                           | **0**                                 | **179**                                         | **80**                                | **17197**                                       | **9996**                              |
| **Magma HDI**                                                                                                                                                    | **0**                                           | **0**                                 | **0**                                           | **0**                                 | **121**                                         | **31**                                |
| **National**                                                                                                                                                     | **472881**                                      | **390670**                            | **479223**                                      | **401228**                            | **340442**                                      | **274667**                            |
| **New India**                                                                                                                                                    | **1574785**                                     | **1256905**                           | **1148838**                                     | **1103873**                           | **1572580**                                     | **1439161**                           |
| **Oriental**                                                                                                                                                     | **397561**                                      | **406511**                            | **594491**                                      | **543826**                            | **709296**                                      | **733043**                            |
| **Raheja**                                                                                                                                                       | **35**                                          | **31**                                | **35**                                          | **21**                                | **35**                                          | **31**                                |
| **Reliance**                                                                                                                                                     | **1105641**                                     | **900654**                            | **1070180**                                     | **1191591**                           | **687129**                                      | **652352**                            |
| **Royal**                                                                                                                                                        | **39364**                                       | **33970**                             | **147709**                                      | **131132**                            | **128718**                                      | **112306**                            |
| **SBI G**                                                                                                                                                        | **12610**                                       | **11082**                             | **7827**                                        | **4522**                              | **23452**                                       | **15900**                             |
| **Shriram**                                                                                                                                                      | **57**                                          | **26**                                | **78**                                          | **48**                                | **114**                                         | **68**                                |
| **Tata**                                                                                                                                                         | **30767**                                       | **18650**                             | **109070**                                      | **91386**                             | **97219**                                       | **78487**                             |
| **United**                                                                                                                                                       | **1902625**                                     | **1787011**                           | **979032**                                      | **980114**                            | **1711452**                                     | **1464002**                           |
| **Universal**                                                                                                                                                    | **18893**                                       | **13860**                             | **28629**                                       | **21369**                             | **42960**                                       | **31406**                             |
| **Apollo**                                                                                                                                                       | **129513**                                      | **116128**                            | **147336**                                      | **122336**                            | **136312**                                      | **120693**                            |
| **Max Bupa**                                                                                                                                                     | **24727**                                       | **20252**                             | **50722**                                       | **39276**                             | **62426**                                       | **50732**                             |
| **Star**                                                                                                                                                         | **296472**                                      | **255867**                            | **333785**                                      | **250546**                            | **361660**                                      | **259570**                            |
| **Religere**                                                                                                                                                     | **5881**                                        | **4897**                              | **69858**                                       | **49243**                             | **92663**                                       | **81643**                             |
| **Cigna TTK**                                                                                                                                                    | **0**                                           | **0**                                 | **0**                                           | **0**                                 | **931**                                         | **697**                               |
| **Grand total**                                                                                                                                                  | **10300191**                                    | **10053479**                          | **11568730**                                    | **11274460**                          | **8729900**                                     | **8322778**                           |
| **Note: Claims settled in a given year may be more than the number intimated owing to the settlement of previous year's outstanding claims in the current year** |                                                 |                                       |                                                 |                                       |                                                 |                                       |

| **ANNEXURE - 8**                                                                                                                                                 |                                                               |                                                     |                                                               |                                                     |                                                               |                                                     |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------|-----------------------------------------------------|---------------------------------------------------------------|-----------------------------------------------------|---------------------------------------------------------------|-----------------------------------------------------|
| **HEALTH INSURANCE (Company wise details of**  **AMOUNT (Rupees in lakhs)**  **of claims settled over the past 3 years)**                                        |                                                               |                                                     |                                                               |                                                     |                                                               |                                                     |
|                                                                                                                                                                  | **2012-13**                                                   |                                                     | **2013-14**                                                   |                                                     | **2014-15**                                                   |                                                     |
| **Insurers**                                                                                                                                                     | **Amount Of Claims Intimated/ Booked during Year (Rs. Lakh)** | **Amount Of Claims settled during Year (Rs. Lakh)** | **Amount Of Claims Intimated/ Booked during Year (Rs. Lakh)** | **Amount Of Claims settled during Year (Rs. Lakh)** | **Amount Of Claims Intimated/ Booked during Year (Rs. Lakh)** | **Amount Of Claims settled during Year (Rs. Lakh)** |
| **Bajaj**                                                                                                                                                        | **41363**                                                     | **40354**                                           | **64326**                                                     | **62298**                                           | **52327**                                                     | **55649**                                           |
| **Bharti AXA**                                                                                                                                                   | **22907**                                                     | **17552**                                           | **21842**                                                     | **19050**                                           | **25255**                                                     | **20096**                                           |
| **Cholas**                                                                                                                                                       | **21417**                                                     | **18119**                                           | **19533**                                                     | **17743**                                           | **13862**                                                     | **11194**                                           |
| **Future**                                                                                                                                                       | **14334**                                                     | **13905**                                           | **16775**                                                     | **15807**                                           | **15408**                                                     | **15239**                                           |
| **HDFC**                                                                                                                                                         | **31926**                                                     | **23736**                                           | **62242**                                                     | **47744**                                           | **55038**                                                     | **38211**                                           |
| **ICICI**                                                                                                                                                        | **152916**                                                    | **120079**                                          | **171637**                                                    | **135728**                                          | **143275**                                                    | **110337**                                          |
| **IFFCO**                                                                                                                                                        | **34313**                                                     | **15095**                                           | **43396**                                                     | **21599**                                           | **40442**                                                     | **28969**                                           |
| **L &  T**                                                                                                                                                   | **1631**                                                      | **1442**                                            | **6051**                                                      | **3928**                                            | **4040**                                                      | **2720**                                            |
| **Liberty**                                                                                                                                                      | **0**                                                         | **0**                                               | **108**                                                       | **46**                                              | **3444**                                                      | **2186**                                            |
| **Magma HDI**                                                                                                                                                    | **0**                                                         | **0**                                               | **0**                                                         | **0**                                               | **69**                                                        | **12**                                              |
| **National**                                                                                                                                                     | **269960**                                                    | **240911**                                          | **408152**                                                    | **280272**                                          | **293701**                                                    | **231675**                                          |
| **New India**                                                                                                                                                    | **575371**                                                    | **231197**                                          | **312997**                                                    | **300465**                                          | **403162**                                                    | **367145**                                          |
| **Oriental**                                                                                                                                                     | **158587**                                                    | **151629**                                          | **263684**                                                    | **94288**                                           | **245744**                                                    | **209088**                                          |
| **Raheja**                                                                                                                                                       | **18**                                                        | **14**                                              | **18**                                                        | **10**                                              | **10**                                                        | **14**                                              |
| **Reliance**                                                                                                                                                     | **28930**                                                     | **22922**                                           | **46421**                                                     | **44979**                                           | **52861**                                                     | **54382**                                           |
| **Royal**                                                                                                                                                        | **14543**                                                     | **10559**                                           | **17155**                                                     | **14215**                                           | **15858**                                                     | **13346**                                           |
| **SBI G**                                                                                                                                                        | **4082**                                                      | **2230**                                            | **17784**                                                     | **11428**                                           | **46198**                                                     | **11767**                                           |
| **Shriram**                                                                                                                                                      | **204**                                                       | **39**                                              | **270**                                                       | **77**                                              | **338**                                                       | **85**                                              |
| **Tata**                                                                                                                                                         | **14187**                                                     | **10443**                                           | **24208**                                                     | **18300**                                           | **27142**                                                     | **22643**                                           |
| **United**                                                                                                                                                       | **299605**                                                    | **258741**                                          | **306353**                                                    | **278061**                                          | **507696**                                                    | **350057**                                          |
| **Universal**                                                                                                                                                    | **5559**                                                      | **4016**                                            | **9495**                                                      | **6861**                                            | **16564**                                                     | **10475**                                           |
| **Apollo**                                                                                                                                                       | **41850**                                                     | **30191**                                           | **52450**                                                     | **38039**                                           | **59909**                                                     | **41096**                                           |
| **Max Bupa**                                                                                                                                                     | **10052**                                                     | **7044**                                            | **21074**                                                     | **13461**                                           | **26765**                                                     | **16987**                                           |
| **Star**                                                                                                                                                         | **56875**                                                     | **53803**                                           | **42247**                                                     | **56296**                                           | **85518**                                                     | **71752**                                           |
| **Religere**                                                                                                                                                     | **1405**                                                      | **775**                                             | **15614**                                                     | **7594**                                            | **19341**                                                     | **9904**                                            |
| **Cigna TTK**                                                                                                                                                    | **0**                                                         | **0**                                               | **0**                                                         | **0**                                               | **271**                                                       | **107**                                             |
| **Grand total**                                                                                                                                                  | **1802035**                                                   | **1274796**                                         | **1943835**                                                   | **1488287**                                         | **2154236**                                                   | **1695137**                                         |
| **Note: Claims settled in a given year may be more than the amount intimated owing to the settlement of previous year's outstanding claims in the current year** |                                                               |                                                     |                                                               |                                                     |                                                               |                                                     |

|                                     | **Non Life Insurance Company wise details of NUMBER of  the claims data for the period of last 3 years**   |                                  |                                    |                                    |                                     |                                              |                                  |                                    |                                    |                                     |                                              | **ANNEXURE- 9**                  |                                    |                                    |
|-------------------------------------|------------------------------------------------------------------------------------------------------------|----------------------------------|------------------------------------|------------------------------------|-------------------------------------|----------------------------------------------|----------------------------------|------------------------------------|------------------------------------|-------------------------------------|----------------------------------------------|----------------------------------|------------------------------------|------------------------------------|
| **2012-13**                         |                                                                                                            |                                  |                                    |                                    | **2013-14**                         |                                              |                                  |                                    |                                    | 2014-15                             | 2014-15                                      | 2014-15                          | 2014-15                            | 2014-15                            |
| **Claims O/S at Start of the YEAR** | **Claims Intimated/ Booked during the YEAR**                                                               | **Claims paid during  the YEAR** | **Claims Repudiated the the YEAR** | **Claims O/S at End of the  YEAR** | **Claims O/S at Start of the YEAR** | **Claims Intimated/ Booked during the YEAR** | **Claims paid during  the YEAR** | **Claims Repudiated the the YEAR** | **Claims O/S at End of the  YEAR** | **Claims O/S at Start of the YEAR** | **Claims Intimated/ Booked during the YEAR** | **Claims paid during  the YEAR** | **Claims Repudiated the the YEAR** | **Claims O/S at End of the  YEAR** |
| 34,72,409                           | 118,39,322                                                                                                 | 65,88,816                        | 4,815                              | 57,37,353                          | 73,19,593                           | 132,18,529                                   | 104,30,590                       | 9,222                              | 95,47,634                          | 12037049                            | 11360855                                     | 11531734                         | 238                                | 11166173                           |
| 71,015                              | 5,80,485                                                                                                   | 5,66,988                         | 26,595                             | 83,325                             | 72,371                              | 8,24,455                                     | 7,53,694                         | 52,431                             | 90,701                             | 216196                              | 716920                                       | 679451                           | 55404                              | 212588                             |
| 15,994                              | 2,03,113                                                                                                   | 1,78,669                         | 6,316                              | 23,696                             | 24,200                              | 2,41,254                                     | 2,19,957                         | 9,273                              | 27,784                             | 63217                               | 292203                                       | 260848                           | 8897.4                             | 71763                              |
| 50,549                              | 3,08,081                                                                                                   | 2,76,463                         | 14,722                             | 55,403                             | 51,505                              | 2,69,433                                     | 2,47,248                         | 11,027                             | 45,225                             | 94932.34                            | 187954.66                                    | 160184                           | 11489                              | 95100                              |
| 327                                 | 1,736                                                                                                      | 675                              | 1,068                              | 332                                | 320                                 | 1,684                                        | 559                              | 1,074                              | 371                                | 786                                 | 1304                                         | 631                              | 735                                | 703                                |
| 11,440                              | 1,40,202                                                                                                   | 1,30,053                         | 8,683                              | 17,959                             | 14,725                              | 1,64,391                                     | 1,69,251                         | 0                                  | 15,710                             | 39676                               | 185133                                       | 184296                           | 0                                  | 42221                              |
| 24,237                              | 2,81,859                                                                                                   | 2,38,584                         | 22,806                             | 34,586                             | 30,100                              | 4,39,253                                     | 3,80,768                         | 16,505                             | 33,853                             | 70653                               | 336171                                       | 271275                           | 13760                              | 70162                              |
| 15,52,794                           | 43,52,808                                                                                                  | 48,99,333                        | 65,427                             | 8,50,040                           | 8,35,753                            | 62,29,619                                    | 62,07,737                        | 95,809                             | 6,24,186                           | 814452                              | 2994049                                      | 3245151                          | 73901                              | 374919                             |
| 61,478                              | 3,29,377                                                                                                   | 3,14,470                         | 4,541                              | 80,620                             | 61,199                              | 3,77,817                                     | 3,70,749                         | 1,204                              | 58,684                             | 146952                              | 484870                                       | 489113                           | 902                                | 151410                             |
| 2,833                               | 17,084                                                                                                     | 14,948                           | 323                                | 3,193                              | 2,197                               | 26,973                                       | 21,617                           | 869                                | 3,498                              | 8889                                | 31415                                        | 26575                            | 805                                | 9591                               |
| 0                                   | 25                                                                                                         | 12                               | 0                                  | 11                                 | 11.00                               | 6,830.00                                     | 4,090.00                         | 293.00                             | 868.00                             | 5029                                | 41440                                        | 32073                            | 1098                               | 11661                              |
| 0                                   | 806                                                                                                        | 375                              | 45                                 | 304                                | 1,730.00                            | 4,819.00                                     | 3,505.00                         | 178.00                             | 2,146.00                           | 6583                                | 29757                                        | 23055                            | 1055                               | 8941                               |
| 3,86,803                            | 12,44,056                                                                                                  | 11,13,432                        | 79,128                             | 3,52,297                           | 3,52,297                            | 11,92,952                                    | 11,15,148                        | 54,582                             | 3,00,212                           | 639899                              | 1628824                                      | 1425080                          | 70390                              | 722322                             |
| 3,47,779                            | 23,37,199                                                                                                  | 19,47,147                        | 3,74,030                           | 3,63,801                           | 3,63,801                            | 19,87,659                                    | 19,82,608                        | 98,468                             | 2,70,384                           | 606864                              | 2230327                                      | 2057399                          | 116797                             | 626660                             |
| 2,80,662                            | 8,09,782                                                                                                   | 8,43,534                         | 8,554                              | 2,46,876                           | 2,46,875                            | 9,95,837                                     | 9,57,428                         | 5,068                              | 2,97,785                           | 635673                              | 1165554                                      | 1197060                          | 3811                               | 604564                             |
| 48                                  | 92                                                                                                         | 63                               | 2                                  | 49                                 | 49                                  | 119                                          | 31                               | 2                                  | 94                                 | 161                                 | 139                                          | 64                               | 0                                  | 117                                |
| 1,97,541                            | 12,71,140                                                                                                  | 10,32,515                        | 47,809                             | 3,38,071                           | 3,86,452                            | 12,56,184                                    | 13,45,842                        | 80,440                             | 1,62,440                           | 303082                              | 875941                                       | 813612                           | 52563                              | 276837                             |
| 22,813                              | 3,01,738                                                                                                   | 2,86,563                         | 9,679                              | 29,306                             | 34,953                              | 3,85,294                                     | 3,63,451                         | 9,808                              | 46,345                             | 99068                               | 355418                                       | 341724                           | 9948                               | 96494                              |
| 546                                 | 28,284                                                                                                     | 22,841                           | 639                                | 3,309                              | 3,309                               | 47,022                                       | 33,298                           | 1,450                              | 9,468                              | 26460                               | 76048                                        | 55500                            | 3128                               | 32138                              |
| 12,610                              | 76,502                                                                                                     | 63,688                           | 4,881                              | 16,268                             | 16,268                              | 79,019                                       | 55,880                           | 3,883                              | 27,764                             | 63076                               | 78964                                        | 56909                            | 6437                               | 72248                              |
| 33,697                              | 3,82,392                                                                                                   | 3,18,625                         | 7,902                              | 46,453                             | 35,617                              | 4,60,118                                     | 3,88,019                         | 11,020                             | 38,300                             | 85919                               | 447086                                       | 374773                           | 12734                              | 89320                              |
| 2,97,825                            | 24,34,565                                                                                                  | 22,29,863                        | 51,122                             | 4,07,552                           | 4,07,552                            | 14,68,349                                    | 14,36,848                        | 31,945                             | 3,42,099                           | 847687                              | 2263181                                      | 1945951                          | 94280                              | 956476                             |
| 7,078                               | 62,128                                                                                                     | 47,612                           | 2,669                              | 9,360                              | 9,360                               | 72,130                                       | 56,321                           | 3,653                              | 10,368                             | 24246                               | 91951                                        | 71950                            | 6179                               | 25540                              |
| 4,567                               | 1,29,712                                                                                                   | 1,16,192                         | 8,621                              | 6,401                              | 6,401                               | 1,47,336                                     | 1,22,336                         | 15,543                             | 10,347                             | 22258                               | 136312                                       | 120693                           | 10536                              | 20612                              |
| 1,063                               | 24,727                                                                                                     | 20,252                           | 2,927                              | 2,611                              | 2,611                               | 50,722                                       | 39,276                           | 8,312                              | 3,560                              | 7728                                | 62426                                        | 50732                            | 7781                               | 7097                               |
| 62,415                              | 2,96,472                                                                                                   | 2,55,867                         | 33,967                             | 29,098                             | 30,865                              | 3,33,785                                     | 2,50,546                         | 32,047                             | 30,800                             | 65867                               | 361660                                       | 259570                           | 34699                              | 69238                              |
| 0                                   | 5,881                                                                                                      | 4,897                            | 257                                | 637                                | 637.00                              | 69,858.00                                    | 49,243.00                        | 4,734.00                           | 15,630.00                          | 27028                               | 92663                                        | 81643                            | 7024                               | 26059                              |
| 0                                   | 0                                                                                                          | 0                                | 0                                  | 0                                  | 0.00                                | 0.00                                         | 0.00                             | 0.00                               | 0.00                               | 85                                  | 931                                          | 697                              | 184                                | 117                                |
| **69,18,523**                       | **274,59,568**                                                                                             | **215,12,477**                   | **7,87,528**                       | **87,38,911**                      | **103,10,751**                      | **303,51,441**                               | **270,06,040**                   | **5,58,840**                       | **120,16,256**                     | **169,59,515**                      | **265,29,497**                               | **257,57,743**                   | **6,04,775**                       | **158,41,071**                     |

|                                     | **Non-Life Insurance Company wise details of   AMOUNT of the claims data for the period of last 3 years**   |                                              |                                  |                                    |                                    |                                     |                                              |                                  |                                    |                                    |                                     | **ANNEXURE- 10**                             |                                  |                                    |                                    |
|-------------------------------------|-------------------------------------------------------------------------------------------------------------|----------------------------------------------|----------------------------------|------------------------------------|------------------------------------|-------------------------------------|----------------------------------------------|----------------------------------|------------------------------------|------------------------------------|-------------------------------------|----------------------------------------------|----------------------------------|------------------------------------|------------------------------------|
| **NAME OF THE INSURANCE COMPANY**   | **2012-13( Amount in Rs.Lakhs)**                                                                            |                                              |                                  |                                    |                                    | **2013-14( Amount in Rs.  Lakhs)**  |                                              |                                  |                                    |                                    | **2014-15( Amount inRs.  Lakhs)**   |                                              |                                  |                                    |                                    |
|                                     | **Claims O/S at Start of the YEAR**                                                                         | **Claims Intimated/ Booked during the YEAR** | **Claims paid during  the YEAR** | **Claims Repudiated the the YEAR** | **Claims O/S at End of the  YEAR** | **Claims O/S at Start of the YEAR** | **Claims Intimated/ Booked during the YEAR** | **Claims paid during  the YEAR** | **Claims Repudiated the the YEAR** | **Claims O/S at End of the  YEAR** | **Claims O/S at Start of the YEAR** | **Claims Intimated/ Booked during the YEAR** | **Claims paid during  the YEAR** | **Claims Repudiated the the YEAR** | **Claims O/S at End of the  YEAR** |
| **AIC of India**                    | 1,45,942                                                                                                    | 4,09,605                                     | 2,15,931                         | 858                                | 1,19,826                           | 3,17,468.00                         | 5,10,790.33                                  | 3,82,306.67                      | 1,672.84                           | 2,62,373.07                        | 525242.05                           | 502954.1                                     | 360985.1                         | 10.00686                           | 344410.41                          |
| **Bajaj Allianz General**           | 2,12,195                                                                                                    | 2,38,630                                     | 2,26,961                         | 392                                | 2,32,179                           | 2,25,320.00                         | 2,43,841.00                                  | 2,20,699.00                      | 392.00                             | 2,48,071.00                        | 588391                              | 365514                                       | 347636                           | 774.753                            | 664582                             |
| **Bharti Axa General**              | 27,692                                                                                                      | 86,321                                       | 56,411                           | 3,000                              | 41,037                             | 51,841.91                           | 94,905.65                                    | 71,731.58                        | 5,313.34                           | 67,405.51                          | 159921.2                            | 142566.6                                     | 92723.02                         | 4874.091                           | 191456.16                          |
| **Cholamandalam MS General**        | 47,519                                                                                                      | 1,17,913                                     | 77,347                           | 5,255                              | 84,955                             | 89,601.27                           | 1,70,945.13                                  | 99,494.25                        | 8,252.76                           | 1,39,047.29                        | 327099.39                           | 173799.5                                     | 98394.99                         | 8582.162                           | 377326.53                          |
| **ECGC**                            | 1,01,570                                                                                                    | 3,72,446                                     | 1,15,335                         | 2,19,529                           | 1,15,705                           | 1,51,653.58                         | 6,11,674.33                                  | 1,28,268.02                      | 4,38,119.82                        | 1,96,940.08                        | 376871.01                           | 402999.2                                     | 149341.7                         | 311779.3                           | 442509.73                          |
| **Future Generali India**           | 28,188                                                                                                      | 62,606                                       | 52,110                           | 544                                | 38,921                             | 38,470.60                           | 77,230.75                                    | 67,091.36                        | 0.00                               | 48,844.15                          | 112541.14                           | 92584.59                                     | 85214.99                         | 0                                  | 123750.35                          |
| **HDFC Ergo General**               | 57,790                                                                                                      | 1,33,443                                     | 92,029                           | 9,704                              | 82,836                             | 79,268.51                           | 2,02,164.81                                  | 1,42,709.94                      | 9,028.65                           | 1,00,514.00                        | 233613.95                           | 246816.9                                     | 170036.1                         | 7870.177                           | 268034.68                          |
| **ICICI Lombard General**           | 2,60,651                                                                                                    | 4,07,679                                     | 3,36,565                         | 16,724                             | 2,74,121                           | 2,62,426.26                         | 4,88,367.01                                  | 3,74,726.71                      | 19,958.85                          | 2,91,234.84                        | 598536.14                           | 492408.4                                     | 405885.9                         | 19295.16                           | 612714.05                          |
| **Iffco Tokio General**             | 1,18,625                                                                                                    | 1,72,925                                     | 1,31,673                         | 178                                | 1,45,637                           | 1,32,031.27                         | 2,08,866.62                                  | 1,59,416.53                      | 12.70                              | 1,49,494.00                        | 329946.67                           | 189582.7                                     | 173777.8                         | 13.71386                           | 345993.6                           |
| **L & T General**               | 3,470                                                                                                       | 11,045                                       | 7,764                            | 14                                 | 5,376                              | 5,857.00                            | 18,492.55                                    | 10,975.43                        | 159.53                             | 10,627.63                          | 26203.834                           | 23413.86                                     | 13159.44                         | 280.0226                           | 31972.084                          |
| **Liberty Videocon**                | 0                                                                                                           | 4                                            | 1                                | 0                                  | 3                                  | 2.95                                | 2,960.03                                     | 2,291.19                         | 93.32                              | 1,297.81                           | 6323.5436                           | 17437.72                                     | 12355.52                         | 713.965                            | 9976.8257                          |
| **Magma HDI**                       | 0                                                                                                           | 1,574                                        | 95                               | 1                                  | 1,383                              | 5,077.00                            | 5,097.74                                     | 2,183.77                         | 5.49                               | 6,667.18                           | 22813.244                           | 30075.71                                     | 24720.1                          | 27.50097                           | 33078.072                          |
| **National Insurance Co. Ltd.**     | 4,93,939                                                                                                    | 7,84,477                                     | 5,78,127                         | 1,18,045                           | 5,28,802                           | 5,28,801.62                         | 14,35,908.23                                 | 6,23,471.84                      | 74,270.23                          | 6,71,817.47                        | 1690398.5                           | 1205908                                      | 823238.4                         | 73726.59                           | 1765271                            |
| **New India Assurance Co. Ltd.**    | 9,36,179                                                                                                    | 12,27,228                                    | 6,37,456                         | 7,18,656                           | 8,07,295                           | 8,07,295.27                         | 8,43,524.20                                  | 7,42,419.09                      | 1,08,837.40                        | 7,99,562.98                        | 1583507.8                           | 1747430                                      | 973958.1                         | 76335.46                           | 1714457                            |
| **Oriental Insurance Co. Ltd.**     | 5,83,524                                                                                                    | 4,94,661                                     | 4,18,070                         | 8,551                              | 5,95,788                           | 5,95,784.90                         | 6,04,127.01                                  | 3,83,953.39                      | 5,333.57                           | 6,44,939.92                        | 1439600.8                           | 764384.7                                     | 556682.2                         | 4427.933                           | 1519683.9                          |
| **Raheja QBE General**              | 104                                                                                                         | 398                                          | 182                              | 0                                  | 213                                | 213.49                              | 1,085.55                                     | 28.95                            | 0.00                               | 360.96                             | 784.84888                           | 486.292                                      | 333.1607                         | 0                                  | 697.23062                          |
| **Reliance General**                | 68,083                                                                                                      | 1,31,077                                     | 90,233                           | 4,347                              | 83,671                             | 1,64,294.89                         | 1,68,632.94                                  | 1,46,740.71                      | 31,721.10                          | 1,95,505.88                        | 410274.32                           | 154025.8                                     | 175072.1                         | 10800.17                           | 427988.8                           |
| **Royal Sundaram Allianz General**  | 63,806                                                                                                      | 86,072                                       | 79,342                           | 5,674                              | 70,294                             | 72,912.93                           | 94,747.65                                    | 86,399.07                        | 2,836.73                           | 90,032.24                          | 185164.71                           | 87803.67                                     | 100112.6                         | 3524.43                            | 185910.92                          |
| **SBI General**                     | 1,773                                                                                                       | 23,517                                       | 9,553                            | 0                                  | 8,491                              | 8,491.42                            | 60,883.97                                    | 31,333.29                        | 0.00                               | 32,124.81                          | 97587.959                           | 218166.3                                     | 48594.97                         | 0                                  | 135402.03                          |
| **Shriram General**                 | 10,528                                                                                                      | 1,16,802                                     | 22,383                           | 1,662                              | 29,406                             | 29,813.93                           | 2,88,598.69                                  | 25,283.26                        | 1,726.97                           | 71,326.95                          | 176831.95                           | 187348.8                                     | 37152.23                         | 760.022                            | 227937.16                          |
| **Tata AIG General**                | 60,036                                                                                                      | 1,14,057                                     | 88,206                           | 2,833                              | 69,525                             | 69,525.01                           | 1,61,956.14                                  | 1,11,699.57                      | 4,973.75                           | 94,846.43                          | 213822.38                           | 178762.1                                     | 130245.6                         | 6808.717                           | 236201.12                          |
| **United India Insurance Co. Ltd.** | 9,46,921                                                                                                    | 8,64,359                                     | 5,46,407                         | 1,61,775                           | 10,21,362                          | 10,21,362.13                        | 9,34,614.98                                  | 6,83,984.94                      | 81,482.52                          | 11,15,122.68                       | 2363653.3                           | 1248790                                      | 770731.1                         | 138516.8                           | 2461128.8                          |
| **Universal Sompo General**         | 12,128                                                                                                      | 28,223                                       | 16,976                           | 1,277                              | 20,353                             | 20,353.07                           | 48,460.83                                    | 31,559.16                        | 1,598.78                           | 35,245.68                          | 83397.207                           | 58070.2                                      | 35504.1                          | 2609.697                           | 95518.997                          |
| **Apollo Munich Health**            | 1,695                                                                                                       | 41,866                                       | 30,197                           | 9,822                              | 2,689                              | 2,688.91                            | 52,450.13                                    | 38,039.46                        | 11,583.50                          | 3,699.33                           | 8895.5776                           | 59909.09                                     | 41095.82                         | 11817.41                           | 10457.379                          |
| **Max Bupa Health**                 | 554                                                                                                         | 10,052                                       | 7,044                            | 1,271                              | 1,179                              | 1,179.00                            | 21,074.44                                    | 13,460.81                        | 5,684.83                           | 1,109.79                           | 2740.6354                           | 26764.59                                     | 16987.28                         | 6387.801                           | 3269.4404                          |
| **Star Health**                     | 15,790                                                                                                      | 56,875                                       | 53,803                           | 6,172                              | 7,975                              | 8,261.13                            | 42,247.24                                    | 56,295.91                        | 11,450.42                          | 9,436.75                           | 21665.551                           | 85517.71                                     | 71752.34                         | 12817.02                           | 22826.058                          |
| **Religare Health**                 | 0                                                                                                           | 1,405                                        | 775                              | 101                                | 215                                | 214.75                              | 15,614.36                                    | 7,594.03                         | 1,255.76                           | 1,503.75                           | 3134.004                            | 19341.2                                      | 9904.384                         | 3414.854                           | 3517.7137                          |
| **Cigna TTK**                       | 0                                                                                                           | 0                                            | 0                                | 0                                  | 0                                  | 0.00                                | 0.00                                         | 0.00                             | 0.00                               | 0.00                               | 18.68866                            | 271.3632                                     | 107.0943                         | 128.1924                           | 34.17878                           |
| **GRAND TOTAL**                     | **41,98,703**                                                                                               | **59,95,261**                                | **38,90,977**                    | **12,96,385**                      | **43,89,237**                      | **46,90,211**                       | **74,09,262**                                | **46,44,158**                    | **8,25,765**                       | **52,89,152**                      | **115,88,981**                      | **87,23,133**                                | **57,25,702**                    | **7,06,296**                       | **122,56,106**                     |