Professional Documents
Culture Documents
2012-13
Head Office
3rd Floor, Parishram Bhavan
Basheerbagh, Hyderabad 500 004
INDIA
Phone : +91-40-2338 1100 / 1300
Fax : +91-40-6682 3334
Delhi Office
Gate No. 3, 1st Floor, Jeevan Tara
Parliament Street, New Delhi 110 001
INDIA
Phone : +91-11-2374 7648
Fax : +91-11-2374 7650
Website: www.irda.gov.in
E-mail: irda@irda.gov.in
. 101/3/&//-2012-13/22/-13
22 , 2013
\,
,
, ] ,
, 110 001
,
, 1999 20 , 31 \ 2013
, \ .... ( ,
]) , 2000 ]
,
(. . )
LETTER OF TRANSMITTAL
Ref. No. 101/3/R&D/SD/AR-2012-13/22/Oct-13
nd
22 October, 2013
The Secretary,
Department of Financial Services
Ministry of Finance
3rd Floor, Jeevan Deep Building
Parliament Street
New Delhi 110 001
Sir,
In accordance with the provisions of Section 20 of the Insurance Regulatory and Development
Authority Act, 1999, we are sending herewith a copy of the Annual Report of the Authority for
the financial year ended 31st March, 2013 in the format prescribed in the IRDA (Annual Report
Furnishing of return, statements and other particulars) Rules, 2000.
Yours faithfully,
(T S VIJAYAN)
Chairman
Heefjece YeJeve, leermeje leue, yeMeerjyeeie, nwojeyeeo 500 004. Yeejle
: +91-40-6682 0957, Hewkeme : +91-40-6682 3334
F&-cesue : chairman@irda.gov.in Jesye: www.irda.gov.in
CONTENTS
Page No.
MISSION STATEMENT
TEAM AT IRDA
OVERVIEW
1
PART I
POLICIES AND PROGRAMMES
I.1
................
13
I.2
................
15
I.3
................
19
I.4
Review
................
42
I.4.1
................
42
I.4.2
................
46
I.4.3
Monitoring of Reinsurance
................
47
I.4.4
Insurance Pools
................
50
I.4.5
................
53
I.4.6
Health Insurance
................
55
I.4.7
................
60
I.4.8
................
61
I.4.9
................
63
................
65
................
66
................
70
................
70
PART II
REVIEW OF WORKING AND OPERATIONS
II.1
................
71
II.2
................
76
II.3
................
84
II.4
................
85
II.5
................
88
II.6
Public Grievances
................
91
II.7
................
93
II.8
................
96
II.9
................
97
................
98
Page No.
PART III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
III.1 Issue to the applicant a certificate of registration, renew, modify, withdraw, suspend
or cancel such registration
................
99
100
III.3 Specifying requisite qualifications, code of conduct and practical training for
intermediaries or Insurance Intermediaries and agents
................
101
III.4 Specifying the code of conduct for surveyors and loss assessors
................
102
................
103
III.6 Promoting and regulating professional organisations connected with the insurance
and reinsurance business
................
105
III.7 Levying fees and other charges for carrying out the purposes of the Act
................
106
III.8 Calling for information from, undertaking inspection of, conducting enquiries
and investigations including audit of the insurers, intermediaries, insurance
intermediaries and other organisations connected with the insurance business
................
106
III.9 Control and regulation of rates, advantages, terms and conditions that may be
offered by insurers in respect of general insurance business not so controlled and
regulated by the Tariff Advisory Committee under section 64U of the Insurance
Act, 1938 (4 of 1938)
................
106
III.10 Specifying the form and manner in which books of accounts shall be maintained
and statements of accounts shall be rendered by Insurers and other insurance
intermediaries
................
107
................
108
................
108
109
................
109
III.15 Specifying the percentage of premium income of the insurer to finance schemes
for promoting and regulating professional organisations
................
110
III.16 Specifying the percentage of life insurance business and general insurance
business to be undertaken by the Insurers in the rural and social sectors
................
110
111
vi
................
Page No.
PART IV
ORGANISATIONAL MATTERS
IV.1 Organisation
................
113
................
113
................
113
................
113
................
114
................
114
................
115
IV.8 Accounts
................
117
................
117
IV.10 Acknowledgements
................
118
BOX ITEMS
1.
................
21
2.
................
34
3.
................
40
4.
................
43
5.
................
59
6.
................
68
7.
................
80
8.
................
84
9.
................
89
TEXT TABLES
I.1
National Income
................
13
I.2
................
14
I.3
................
16
I.4
................
16
I.5
................
18
I.6
................
19
I.7
................
20
I.8
................
21
I.9
................
23
................
23
................
23
................
24
vii
Page No.
I.13 Operating Expenses: Life Insurers
................
24
................
24
................
25
................
26
................
27
................
28
................
29
................
29
I.21 Company Wise Gross Direct Premium Income in India: Non-Life Insurers
................
30
................
31
................
31
I.24 Gross Direct Premium from Business Outside India: Non-Life Insurers
................
32
................
32
................
33
................
33
................
33
................
36
................
36
................
37
................
37
................
37
................
38
................
38
................
39
I.37 Net Retained Premium on Indian Business as per cent of Gross Direct Premium
................
47
................
48
................
48
I.40 Net Retentions of Non-Life Insurers as per cent of Gross Direct Premium
(Including GIC)
................
48
................
49
................
51
................
51
I.44 Due Dates for Net Settlements amongst the Pool Members (IMTPIP)
................
52
viii
Page No.
I.45 Premium Ceded under Declined Risk Pool
................
52
................
53
................
54
................
54
................
55
................
55
................
56
................
57
................
57
................
57
................
58
................
67
................
67
................
67
................
69
I.60 Duration-Wise Settlement of Death Claims in Micro Insurance Individual Category ................
69
................
70
................
70
II.1
................
76
II.2
................
77
II.3
................
78
II.4
................
79
II.5
New Business Premium (Individual and Group) of Life Insurers Channel Wise
................
79
II.6
................
82
II.7
................
82
II.8
................
83
II.9
................
83
................
85
................
85
................
91
................
92
................
93
................
98
................
99
ix
Page No.
CHARTS
I.1
................
15
I.2
................
17
I.3
................
17
I.4
................
19
I.5
................
19
I.6
................
20
I.7
................
25
I.8
................
26
I.9
................
27
................
28
I.11 Gross Direct Premium of Non-Life Insurers (Within & Outside India)
................
30
................
31
................
39
................
56
II.1
................
77
II.2
................
77
II.3
................
78
II.4
................
92
II.5
................
92
II.6
................
92
STATEMENTS
1.
................
121
2.
................
122
3.
................
123
4.
................
124
5.
................
125
6.
................
127
7.
................
129
8.
................
133
9.
................
140
10.
................
141
11.
................
142
12.
................
143
13.
................
145
Page No.
14.
................
146
15.
................
148
16.
................
150
17.
................
151
18.
................
152
19.
................
155
20.
................
156
21.
................
157
22.
................
161
23.
................
165
24.
................
169
25.
................
170
26.
................
171
27.
172
28.
................
173
29.
................
174
30.
................
175
31.
................
176
32.
................
177
33.
................
178
34.
................
179
35.
................
181
36.
................
182
37.
................
183
38.
................
185
39.
................
186
40.
................
188
41.
................
190
42.
................
191
43.
................
192
44.
................
193
45.
................
194
46.
................
195
xi
Page No.
47.
................
196
................
198
49.
................
200
50.
................
202
51.
................
204
52.
................
206
53.
................
208
54.
................
210
55.
................
212
56.
................
213
57.
................
215
58.
................
216
59.
................
218
60.
................
219
61.
................
222
62.
................
223
63.
................
224
64.
................
225
65.
................
227
66.
................
228
67.
................
229
68.
................
238
69.
................
241
70.
................
244
71.
................
245
72.
................
246
73.
................
247
74.
................
248
75.
................
249
76.
................
250
77.
................
251
78.
................
252
79.
................
253
48.
xii
Page No.
80.
................
254
81.
................
255
82.
................
256
83.
................
259
84.
................
260
85.
................
261
86.
................
262
87.
................
263
88.
................
264
89.
................
265
ANNEX
1.
................
269
2.
................
271
3.
................
272
................
273
4.
................
274
5.
................
278
6.
................
279
7.
................
284
8.
................
286
9.
Circulars / Orders / Notifications issued by the Authority during the financial year
2012-13
................
287
................
291
10.
xiii
MISSION STATEMENT
To protect the interest of and secure fair treatment to policyholders;
To bring about speedy and orderly growth of the insurance industry (including annuity and
superannuation payments), for the benefit of the common man, and to provide long term
funds for accelerating growth of the economy;
To set, promote, monitor and enforce high standards of integrity, financial soundness, fair
dealing and competence of those it regulates;
To ensure speedy settlement of genuine claims, to prevent insurance frauds and other
malpractices and put in place effective grievance redressal machinery;
To promote fairness, transparency and orderly conduct in financial markets dealing with
insurance and build a reliable management information system to enforce high standards
of financial soundness amongst market players;
TEAM AT IRDA
(As on 30th September, 2013)
T S Vijayan
CHAIRMAN
(from 21st February, 2013)
MEMBERS
R K Nair
M Ramaprasad
S Roy Chowdhury
D D Singh
(from 20th May, 2013)
xvii
Anup Wadhawan
Prof V K Gupta
S B Mathur
EXECUTIVE DIRECTOR
Sriram Taranikanti
(Administration)
xviii
Suresh Mathur
M Pulla Rao
JOINT DIRECTORS
Dr Mamta Suri
Mukesh Sharma
S N Jayasimhan
J Meenakumari
xix
JOINT DIRECTORS
Rakesh K Bajaj
A R Nithiyanantham
T S Naik
S K Jain
V Jayanth Kumar
H Ananthakrishnan
Ramana Rao A
xx
DESIGNATION
CHAIRMAN'S OFFICE
Mr. T S VIJAYAN
Mr. G R SURYA KUMAR
Mr. V S NARENDRA CHANDRA
Mr. V V N KIRANKUMAR SHARMA
Chairman
Deputy Director
Junior Officer (PS to Chairman)
Assistant
MEMBERS'/ED OFFICES
Mr. R K NAIR
Mr. M RAMAPRASAD
Member (Non-life)
Member (Life)
Mr. D D SINGH
Member (Distribution)
Executive Director
Ms. M L SOWJANYA
Ms. B ARUNA
Mr. B S VENKATESH
Assistant Director
Junior Officer
Mr. B BALAKRISHNA
Assistant
ACTUARIAL DEPARTMENT
Joint Director
Ms. J ANITA
Deputy Director
Deputy Director
Mr. N S K PRABHAKAR
Deputy Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
xxi
DESIGNATION
Assistant Director
Ms. R. SANGEETHA
Junior Officer
Junior Officer
Mr. B SARATCHANDRA
Assistant
Assistant
ADMINISTRATION DEPARTMENT
Mr. N. M. BEHERA
Mr. K CHITTIBABU
Assistant Director
Junior Officer
Assistant
CORPORATE SERVICES
Mr. Y S PRASAD
Assistant Director
CONSUMER AFFAIRS DEPARTMENT
Financial Advisor
Deputy Director
Mr. G MALLIKARJUN
OSD
Assistant Director
Assistant Director
Assistant Director
Assistant
Assistant
DELHI OFFICE
Mr. HARI
Junior Officer
Record Keeper
FINANCE AND ACCOUNTS (LIFE) DEPARTMENT
Deputy Director
Assistant Director
Assistant Director
Assistant
xxii
DESIGNATION
FINANCE AND ACCOUNTS (NON LIFE) DEPARTMENT
Mr. S N JAYASIMHAN
Mr. AMMU VENKATA RAMANA
Mr. SANJAY MOHAN SHARMA
Mr. P MAJUMDER
Mr. TRILOKI NATH
Mr. ANURAG BAJPAI
Joint Director
Deputy Director
Assistant Director
Junior Officer
Assistant
Assistant
HEALTH DEPARTMENT
Joint Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
OSD
Assistant
HUMAN RESOURCES DEPARTMENT
Joint Director
Mr. S P CHAKRABORTY
Deputy Director
Deputy Director
Deputy Director
Assistant Director
Assistant Director
Mr. G SIVARAMAKRISHNA
Assistant Director
Assistant Director
Assistant Director
Assistant Director
OSD
Mr. Y SRINIVASU
OSD
Ms. P KANTHISHREE
xxiii
DESIGNATION
INTERMEDIARIES DEPARTMENT
Joint Director
Mr. S V HEGDE
OSD
Mr. B V SASTRY
OSD
Assistant Director
Assistant Director
Mr. P HIMAKIRAN
Assistant Director
Mr. K RAMBABU
Assistant Director
Assistant
Assistant
Mr. T S NAIK
Joint Director
Deputy Director
Assistant Director
Assistant Director
Assistant
INVESTMENT DEPARTMENT
Joint Director
OSD
OSD
Assistant
INFORMATION TECHNOLOGY DEPARTMENT
Mr. A R NITHIAYANANTHAM
Joint Director
Deputy Director
Deputy Director
Mr. G S KRISHNAN
OSD
OSD
Junior Officer
xxiv
DESIGNATION
Mr. M S CHAKRAVARTHY
OSD
Assistant
Assistant
LEGAL DEPARTMENT
Mr. H ANANTHAKRISHNAN
Joint Director
Mr. Y S PRASAD
OSD
Mr. B RAGHAVAN
OSD
Mr. K SRINIVAS
Assistant Director
Assistant Director
Assistant
LIFE DEPARTMENT
Joint Director
Mr. D V S RAMESH
Deputy Director
Mr. R KUMAR
Deputy Director
Deputy Director
Mr. V CHANDRASEKHAR
OSD
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Ms. V CHITRA
Assistant Director
Assistant
Assistant
NON LIFE DEPARTMENT
Joint Director
Joint Director
Deputy Director
Deputy Director
Mr. R SRINIVASAN
OSD
Mr. K. SRIDHAR
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Assistant Director
Mr. K V RAJU
OSD
xxv
DESIGNATION
OSD
Mr. L RAJEEV
OSD
Assistant
Mr. D RAJANIKANTH
Assistant
OFFICIAL LANGUAGE IMPLEMENTATION
Assistant Director
SECTORAL DEVELOPMENT DEPARTMENT
Joint Director
OSD
Deputy Director
Ms. B PADMAJA
Assistant Director
Assistant Director
Assistant
LIBRARY AND JOURNAL
Mr. U JAWAHARLAL
Assistant
CVO
Mr. M S JOSHI
OSD
ON DEPUTATION TO INSURANCE INFORMATION BUREAU
Mr. R. RAGHAVAN
CEO
Deputy Director
Mr. M MADHUSUDHAN
Assistant Director
Assistant Director
Assistant Director
Assistant
xxvi
OVERVIEW
The Indian Economy
targeted growth rate of 4 per cent for the 12th Five Year
Plan (2012-17).
Expenses of Management
6. During 2012-13, the life insurance industry reported
an increase in expenses of management as against a
minor increase in the gross premium collected. The
commission expenses of LIC and private insurers
stood at `14,790 crore and `4,471 crore respectively
as against `14,063 crore and `4,471 crore in 2011-12.
The operating expenses of the life insurers stood at
`31,562 crore in 2012-13 as against `29,656 crore in
2011-12, i.e., an increase of 6.42 per cent in 2012-13,
as against a decrease of 9.98 per cent in 2011-12.
The commission expenses of public and private nonlife insurers stood at `2,505 crore and `1,438 crore
respectively for 2012-13 as against `2255.55 crore
and `1079.80 crore in 2011-12. The operating
expenses of non-life insurance companies stood at
`13,307 crore in 2012-13 as against `11,178 crore in
2011-12, showing an overall increase of 19.05 per cent.
The operating expenses of the public sector insurers
increased by 18.71 per cent over previous year
whereas the operating expenses of the private sector
increased by 19.55 per cent over previous year.
Investment
7. As on 31st March, 2013, the accumulated total
amount of investments held by the insurance sector
Health Insurance
i)
ii)
The Authority has reduced cut off per cent for pass
in agents pre recruitment examination from 50 per
cent to 35 per cent considering the fact that the agents
in India are mentored and trained on the job by the
marketing officials of insurance companies. This
initiative is aimed at ensuring that there is strengthening
of the agency force in the country.
Data Standard
21. The Authority is working on compilation of the data
standards for the insurance transactions within the
country so that multiple software systems can interface
with one another in an integrated manner.
Fraud Analytics Systems
22. In order to assist detection and analysis of frauds
in the insurance sector, the Authority is in the process
of building an advanced detection and prevention
systems at industry level by leveraging all available
information. The system aims at throwing up suspicious
behavior patterns by way of alerts and provide
information such as scores, which will help insurers
streamline and prioritise cases for investigation and
improve operational efficiencies of fraud investigation
units.
Guidelines on opening of foreign offices by Indian
insurance companies
23. The Authority issued guidelines in May, 2013 for
permitting Indian insurers to open foreign insurance
company (including branch office) for life, general and
reinsurance business. The eligibility criteria has been
put in place by the Authority for insurers to commence
foreign operations, which includes, three years of
operational experience by the Indian insurance
ii.
iii.
10
11
Claims reserving
Standardised Products
33. In response to the industrys request for standardised
products, the Authority has constituted four industry
working groups to come up with the recommentations
on standardised products. The purpose of introducing
standardised products is to have basic/vanilla type of
products which are simple and easy to understand.
12
PART - I
POLICIES AND PROGRAMMES
I.1 GENERAL ECONOMIC ENVIRONMENT
TABLE I.1
NATIONAL INCOME
Item
2012-13 (PE)
48,82,249
51,96,848 (6.4)
54,49,104 (4.9)
43,10,195
45,72,075 (6.1)
47,66,754 (4.3)
49,37,006
52,43,582 (6.2)
55,05,437 (5.0)
52,96,108
56,31,379 (6.3)
58,13,664 (3.2)
43,64,952
46,18,809 (5.8)
48,23,087 (4.4)
1,186
1,202
1,217
36,342
38,037 (4.7)
39,168 (3.0)
41,627
43,624
45,238
13
TABLE I.2
SECTOR WISE GROWTH OF NATIONAL INCOME
(` crore)
Industry
1.
2.
3.
4.
5.
2010-11
(2nd RE)
2011-12
(1st RE)
2012-13
(PE)
Percentage change
over previous year
2011-12
2012-13
7,13,477
1,08,938
8,01,476
92,773
3,90,692
7,39,495
1,08,249
8,23,023
98,814
4,12,412
7,53,610
1,07,619
8,31,648
1,02,918
4,30,277
3.6
-0.6
2.7
6.5
5.6
1.9
-0.6
1
4.2
4.3
Industry (2+3+4+5)
6. Trade, hotels, transport and communication
7. Financing, insurance, real estate & business services
8. Community, social & personal services
13,93,879
13,45,660
8,49,632
6,34,358
14,42,498
14,40,312
9,48,808
6,72,469
14,72,462
15,32,034
10,30,684
7,16,645
3.5
7
11.7
6
2.1
6.4
8.6
6.6
Service (6+7+8)
28,29,650
30,61,589
32,79,363
8.2
7.1
49,37,006
52,43,582
55,05,435
6.2
Source: CSO
RE: Revised Estimate
14
15
TABLE I.3
TOTAL REAL PREMIUM GROWTH RATE IN 2012
Advanced economies
Emerging markets
Life
Non-Life
Total
Advanced countries
Emerging markets
Asia
India
World
1.8
4.9
6.5
-6.9
2.3
1.5
8.6
8.1
10.2
2.6
1.7
6.8
6.9
-3.9
2.4
Asia
India
World
Life
2242.32
(57.6)
378.54
(52.4)
388.51
(28.9)
53.30
(80.2)
2620.86
(56.8)
Non-Life
1647.51
(42.4)
344.14
(47.6)
957.71
(71.1)
13.14
(19.8)
1991.65
(43.2)
Total
3889.84
(100)
722.68
(100)
1346.22
(100)
66.44
(100)
4612.51
(100)
16
17
I.2.12 Over the last 10 years, the penetration of nonlife insurance sector in the country remained steady
in the range of 0.5-0.7 per cent. However, its density
has gone up from USD 2.4 in 2001 to USD 10.5 in
2012.
TABLE I. 5
INSURANCE PENETRATION AND DENSITY IN INDIA*
Year
Life
Density (USD)
2001
2002
2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
9.1
11.7
12.9
15.7
18.3
33.2
40.4
41.2
47.7
55.7
49.0
42.7
Non-Life
Penetration Density (USD)
(percentage)
2.15
2.59
2.26
2.53
2.53
4.10
4.00
4.00
4.60
4.40
3.40
3.17
2.4
3.0
3.5
4.0
4.4
5.2
6.2
6.2
6.7
8.7
10.0
10.5
18
Industry
0.56
0.67
0.62
0.64
0.61
0.60
0.60
0.60
0.60
0.71
0.70
0.78
11.5
14.7
16.4
19.7
22.7
38.4
46.6
47.4
54.3
64.4
59.0
53.2
Penetration
(percentage)
2.71
3.26
2.88
3.17
3.14
4.80
4.70
4.60
5.20
5.10
4.10
3.96
LIFE INSURANCE
Premium
I.3.3 Life insurance industry recorded a premium
income of `2,87,202 crore during 2012-13 as against
`2,87,072 crore in the previous financial year,
registering growth of 0.05 per cent (1.57 per cent
decline in previous year). While private sector insurers
posted 6.87 per cent decline (4.52 per cent decline in
previous year) in their premium income, LIC recorded
2.92 per cent growth (0.29 per cent decline in previous
year) (Table I.7).
Public
Sector
1
6
1
Private
Sector
Total
23
21
0
24
27
1
44
52
**
19
TABLE I.7
PREMIUM UNDERWRITTEN : LIFE INSURERS
(` crore)
Insurer
2011-12
2012-13
40194.54
(10.83)
22040.78
(-20.37)
30313.52
(-24.58)
21877.15
(-0.74)
62235.32
(-2.67)
52190.67
(-16.14)
41667.71
(-17.89)
10039.14
(-14.24)
46297.98
(11.11)
8872.43
(-11.62)
51706.85
(-17.21)
55170.41
(6.70)
81862.25
(-5.92)
32079.92
(-18.55)
76611.50
(-6.41)
30749.58
(-4.15)
113942.17
(-9.85)
107361.08
(-5.78)
121027.03
(3.92)
52102.91
(6.81)
132192.08
(9.23)
47649.33
(-8.55)
173129.94
(4.77)
179841.41
(3.88)
202889.28
(-0.29)
84182.83
(-4.52)
208803.58
(2.92)
78398.91
(-6.87)
287072.11
(-1.57)
287202.49
(0.05)
20
Market Share
TABLE I.8
MARKET SHARE : LIFE INSURERS
Insurer
2011-12
2012-13
Regular Premium
LIC
Private Sector
Total
64.58
35.42
58.08
41.92
100.00
100.00
Single Premium
LIC
Private Sector
Total
80.58
19.42
83.92
16.08
100.00
100.00
New Policies
71.85
28.15
71.36
28.64
100.00
100.00
Renewal Premium
LIC
Private Sector
Total
69.91
30.09
73.50
26.50
100.00
100.00
Total Premium
LIC
Private Sector
Total
70.68
29.32
72.70
27.30
100.00
100.00
BOX ITEM 1
21
22
TABLE I.9
NEW POLICIES ISSUED : LIFE INSURERS
(In lakh)
Insurer
2011-12
2012-13
LIC
357.51
(-3.47)
84.42
(-24.04)
367.82
(2.88)
74.05
(-12.28)
441.93
(-8.22)
441.87
(-0.01)
Private Sector
Total
TABLE I.11
COMMISSION EXPENSES : LIFE INSURERS
(` crore)
Insurer
Paid-up capital
2011-12
Regular Premium [1]
LIC
Private Sector
Total
Additions
during
2012-13
As at
31st March,
2013
LIC
Private Sector
100.00
24,831.92
00.00
586.80
100.00
25,418.72
TOTAL
24,931.92
586.80
25,518.72
7707.36
3413.40
10972.92
11120.76
LIC
Private Sector
270.28
94.64
278.46
64.61
Total
364.92
343.07
(` crore)
As at
31st March,
2012
7716.24
3256.68
TABLE I.10
PAID-UP CAPITAL* : LIFE INSURERS
Insurer
2012-13
7986.53
3351.32
7985.82
3478.00
11337.85
11463.82
LIC
Private Sector
6076.53
1119.28
6804.44
993.20
Total
7195.81
7797.64
23
LIC
Private Sector
14063.06
4470.61
14790.26
4471.20
Total
18533.67
19261.46
TABLE I.13
OPERATING EXPENSES : LIFE INSURERS
(` crore)
Insurer
TABLE I.12
COMMISSION EXPENSE RATIO : LIFE INSURERS
(In per cent)
2011-12
2012-13
Regular Premium
LIC
Private Sector
19.20
14.78
25.43
15.60
Total
17.63
21.31
0.65
0.94
0.60
0.73
Total
0.71
0.62
9.76
10.45
10.42
11.31
9.95
10.68
Total
Renewal Premium
LIC
Private Sector
5.02
2.15
5.15
2.08
Total
4.16
4.34
LIC
Private Sector
6.93
5.31
7.08
5.70
Total
6.46
6.71
LIC
Private Sector
14914.40
14741.70
16707.66
14854.04
12.02 %
0.76 %
TOTAL
29656.10
31561.70
6.42 %
Over
previous year
Single Premium
LIC
Private Sector
2012-13
Insurer
2011-12
TABLE I.14
OPERATING EXPENSES RATIO : LIFE INSURERS
(in per cent)
Total Premium
Insurer
2011-12
2012-13
LIC
Private Sector
7.35
17.51
8.00
18.95
TOTAL
10.33
10.99
24
Benefits Paid
I.3.18 The life industry paid higher gross benefits of
`1,92,493 crore in 2012-13 (`1,53,079 crore in
2011-12) constituting 67.02 per cent of the gross
premium underwritten (53.32 per cent in 2011-12). The
benefits paid by the private insurers stood at `57,571
crore (`35,581 crore in 2011-12) constituting 73.43 per
cent of the premium underwritten (42.27 per cent in
2011-12). LIC paid benefits of `1,34,922 crore in
2012-13, constituting 64.62 per cent of the premium
underwritten (`1,17,497 crore in 2011-12, 57.91 per
cent of the total premium underwritten). The benefits
paid by the life insurers net of reinsurance were
`1,91,868 crore (`1,52,617 crore in 2011-12). The
benefits paid on account of surrenders / withdrawals
stood at `1,05,822 crore, of which LIC accounted for
`56,012 crore and private sector `49,810 crore. The
comparative previous year statistics were `71,155
crore, of which LIC accounted for `41,531 crore and
private sector `29,624 crore. In case of LIC, out of the
`56,012 crore surrenders, ULIP policies accounted for
`41,042 crore (73.27 per cent) as against `28,197
crore, (67.89 per cent) in 2011-12. In case of the private
insurance industry, the ULIP surrenders accounted for
`47,826 crore (96.02 per cent) in 2012-13 as against
`28,690 crore (96.85 per cent) in 2011-12 (Table I.15).
DEATH CLAIMS
Individual Death Claims
I.3.19 In the year 2012-13, the life insurance companies
had settled 8.46 lakh claims on individual policies, with
a total payout of `9,370.22 crore. The number of claims
TABLE I.15
INDIVIDUAL DEATH CLAIMS OF LIFE INSURERS DURING 2012-13
(Figures in per cent of policies)
Life Insurer
Total
Claims
Claims
Claims
paid repudiated
Claims
Claims
written pending at
back the end of
the year
>3 to 6 >6 to 12
months
months
> 12
months
Private Total
LIC
100.00
100.00
88.65
97.73
7.85
1.12
0.03
0.10
3.47
1.04
82.74
40.06
7.68
15.47
5.27
21.08
4.30
23.40
Industry Total
100.00
96.41
2.10
0.09
1.40
55.50
12.65
15.36
16.49
25
Retention Ratio
TABLE I.16
GROUP DEATH CLAIMS OF LIFE INSURERS DURING 2012-13
(Figures in per cent of lives covered)
Life Insurer
Total
Claims*
Claims
Claims
paid repudiated
Claims
Claims
written pending at
back the end of
the year
>3 to 6 >6 to 12
months
months
> 12
months
Private Total
LIC
100.00
100.00
87.79
99.54
1.18
0.01
0.00
0.00
11.03
0.45
86.27
24.75
7.61
44.38
2.25
8.68
3.87
22.19
Industry Total
100.00
95.69
0.39
0.00
3.92
50.74
28.85
5.96
14.45
26
TABLE I.17
DIVIDENDS PAID BY LIFE INSURERS
(` crore)
Insurer
2011-12
2012-13
LIC
Private Sector*
1281.23
610.69
1436.38
1155.95
TOTAL
1891.92
2592.33
Expansion of Offices
I.3.29 During the year under review, the decreasing
trend in the number of life insurance offices in India
continued as in the previous year. The private insurers
closed 1,097 offices and at the same time opened 144
offices in 2012-13; therefore there was a net reduction
27
2007
2008
2009
2010
2011
2012
2013
Private
3072
6391
8785
8768
8175
7712
6759
LIC
2301
2522
3030
3250
3371
3455
3526
Industry
5373
8913
11815
12018
11546
11167
10285
28
TABLE I.19
DISTRIBUTION OF OFFICES OF LIFE INSURERS*
(As on 31st March, 2013)
Insurer
Metro
Urban
Others
Total
Private#
LIC
Industry
703
368
1071
1519
614
2133
4537
2544
7081
6759
3526
10285
Premium
I.3.33 The non-life insurance industry had underwritten
total premium of `62,973 crore in India for the year
2012-13 as against `52,876 crore in 2011-12,
registering a growth of 19.10 per cent as against an
increase of 24.19 per cent recorded in the previous
year. The public sector insurers exhibited growth of
14.60 per cent in 2012-13; over the previous years
growth rate of 21.50 per cent. The private non-life
insurers registered growth of 25.25 per cent in 2012-13
which is lower than 28.07 per cent achieved during
2011-12.
NON-LIFE INSURANCE
I.3.32 As on 31st March, 2013, twenty seven non-life
insurance companies have been granted registration
for carrying on non-life insurance business in the
country. Of these, six are in public sector and the rest
twenty one are in private sector. Among the public
sector companies, while the four public sector
insurance companies carry on multi line operations,
there are two specialised insurance companies: one
for credit insurance (ECGC) and the other for crop
insurance (AIC). One reinsurer (GIC) is operating in
the public sector making the total number of non-life
insurers 28 including reinsurer. Of the private sector
insurers, four have been granted registration to carry
on operations exclusively in the health segment. The
TABLE I.20
GROSS DIRECT PREMIUM INCOME IN INDIA:
NON-LIFE INSURERS
(` crore)
Insurer
Public Sector
Private Sector
Total
2011-12
2012-13
30560.74
(21.50)
22315.03
(28.07)
35022.12
(14.60)
27950.69
(25.25)
52875.77
(24.19)
62972.82
(19.10)
29
TABLE I.21
COMPANY WISE GROSS DIRECT PREMIUM
INCOME IN INDIA : NON-LIFE INSURERS*
Company
Total Premium
(` crore)
Market Share
(per cent)
7790.69
9165.73
14.73
14.56
New India
8542.87 10037.95
16.16
15.94
Oriental
6047.89
6552.40
11.44
10.41
United
8179.29
9266.04
15.47
14.71
30560.74 35022.12
57.80
55.61
Public - Total
Bajaj Allianz
3286.62
4001.40
6.22
6.35
Bharti AXA
884.00
1218.43
1.67
1.93
1346.54
1620.89
2.55
2.57
919.76
1105.39
1.74
1.76
HDFC ERGO
1839.46
2453.20
3.48
3.90
ICICI Lombard
5150.14
6133.99
9.74
9.74
IFFCO Tokio
1975.24
2565.03
3.74
4.07
Cholamandalam MS
Future Generali
L&T
143.40
182.07
0.27
0.29
Liberty Videocon
2.19
0.00
Magma HDI
95.14
0.15
Raheja QBE
14.79
21.30
0.03
0.03
Reliance
1712.55
2010.01
3.24
3.19
Royal Sundaram
1479.79
1560.00
2.80
2.48
SBI General
250.14
770.85
0.47
1.22
Shriram
1266.44
1541.38
2.40
2.45
Tata AIG
1641.57
2135.08
3.10
3.39
404.58
534.35
0.77
0.85
Private - Total
22315.03 27950.69
42.20
44.39
Grand Total
52875.77 62972.81
100.00
100.00
Universal Sompo
30
TABLE I.23
RATIO OF OUTSIDE INDIA PREMIUM TO
TOTAL PREMIUM
(in per cent)
(` crore)
Department
2011-12
2012-13
5430
(10.27)
6659
(10.57)
Marine
2875
(5.44)
3029
(4.81)
Motor
24239
(45.84)
29630
(47.05)
Health*
11777
(22.27)
13975
(22.19)
Others
8556
(16.19)
9680
(15.37)
52876
(100.00)
62973
(100.00)
Fire
Total Premium
Insurer
National
New India
Oriental
2011-12
2012-13
0.32
15.19
2.37
0.31
15.46
2.75
31
TABLE I.25
NUMBER OF NEW POLICIES ISSUED :
NON-LIFE INSURERS*
(In Lakhs)
(` crore)
Insurer
2011-12
2012-13
National
25.00
(2.18)
28.89
(15.56)
1531.01
(35.68)
1835.53
(19.89)
146.71
(30.45)
185.26
(26.28)
1702.72
(34.56)
2049.68
(20.38)
New India
Oriental
Total
Insurer
2011-12
2012-13
Public Sector
528.14
(4.43)
689.68
(30.59)
Private Sector
329.30
(14.48)
380.56
(15.57)
Total
857.44
(8.07)
1070.24
(24.82)
32
TABLE I.27
UNDERWRITING EXPERIENCE :
NON-LIFE INSURERS
(` crore)
(` crore)
Insurer
2011-12
2012-13
Public Sector
-5828.72
(23.38)
-5141.72
(17.40)
Private Sector
-2998.68
(20.74)
-1842.56
(10.07)
Total
-8827.40
(22.41)
-6984.28
(14.59)
2012
2013
550
4861
600
5975
900
200
1000
200
279
255
352
327
309
504
175
430
430
Non-life Insurers
Public Sector
Private Sector
Specialised Insurers
ECGC
AIC
Standalone Health Insurers
Star Health
Apollo Munich
Max Bupa
Religare Health
Reinsurer
GIC
Underwriting Experience
TABLE I.28
COMMISSION EXPENSES : NON-LIFE INSURERS
(` crore)
Segment
Fire
Marine
Private Sector
Public Sector
2011-12
Total
2011-12
2012-13
2012-13
2011-12
2012-13
103.32
145.42
323.11
393.77
426.42
539.19
66.51
76.77
176.28
182.67
242.79
259.45
Motor
440.08
654.53
658.14
818.51
1098.22
1473.04
Health
242.10
297.24
585.45
579.56
827.55
876.80
Others
227.80
263.85
512.56
530.96
740.37
794.81
1079.80
1437.81
2255.55
2505.47
3335.35
3943.28
Total
33
FIRE
MARINE
MOTOR
HEALTH
OTHERS
TOTAL
Market Share
CAGR
2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12
2012-13
18.54
6.31
42.90
10.91
21.35
16.59
6.54
42.95
13.33
20.60
12.43
6.47
45.59
17.59
17.92
11.15
6.44
43.94
20.06
18.41
11.18
6.26
43.46
21.12
17.98
10.70
5.92
42.70
23.36
17.33
10.27
5.44
45.84
22.27
16.18
10.57
4.81
47.05
22.19
15.37
8.45
13.04
19.07
30.05
12.12
100.00
100.00
100.00
100.00
100.00
100.00
100.00
100.00
17.50
15.25
15.33
The high CAGR of health segment has led to a noticeable rise in its share in the non-life premium, the premium in the said
segment has increased from `2221 crore in 2005-06 to `13975 crore in 2012-13 (almost 6 times). Its share stood at 22.19 per
cent in 2012-13 up from 10.91 per cent in 2005-06.
It is equally interesting, although may be with a concern, to note that the fire insurance has witnessed only a meagre growth
in its premium underwritten in this seven years period. The premium underwritten in fire insurance stood at `6,659 crore in
2012-13 (`3,774 crore in 2005-06) resulting in a lackluster CAGR growth of 8.45 per cent, the lowest amongst the various
segments of non-life insurance. Thus, the Health and Fire segments have witnessed significant changes in their share of
premium underwritten to the total non-life insurance. Chart A exhibits the pattern of change in the share of respective lines of
business (LOB).
34
2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12
2012-13
FIRE
MARINE
MOTOR
HEALTH
OTHERS
0.00
0.00
0.00
0.00
0.00
0.97
0.11
0.03
1.21
0.38
3.05
0.08
1.35
3.34
1.72
3.69
0.07
0.52
4.58
1.47
3.68
0.02
0.28
5.11
1.68
3.92
0.20
0.10
6.22
2.01
4.14
0.44
1.47
5.68
2.59
3.98
0.75
2.08
5.64
2.99
TOTAL
0.00
2.70
9.54
10.33
10.78
12.45
14.31
15.44
The advantage of NAV index is that it is very simple to compute and understand. One of the disadvantages of NAV is that there
might be similar impact due to huge movements in a few components and due to light movement in many components. The
alternative proposed therefore is the index namely, the modified Lilien Index (MLI), which is defined as:
MLI = Square root [ xit * xis* (ln xit /xis)2 ], t > s
The MLI overcomes the limitations of NAV Index. Further, the influence of a particular component is a function of its weight as
well as its relative growth. The computed values of MLI are provided in Table 3.
Table 3: Modified Lilien Index (MLI) for the period 2005-06 to 2012-13
LOB
2005-06
2006-07
2007-08
2008-09
2009-10
2010-11
2011-12
2012-13
FIRE
MARINE
MOTOR
HEALTH
OTHERS
0.00
0.00
0.00
0.00
0.00
3.79
0.05
0.00
5.84
0.57
36.80
0.02
7.27
43.83
11.74
53.42
0.02
1.09
81.19
8.65
53.07
0.00
0.32
100.55
11.33
59.95
0.15
0.04
147.68
16.12
66.44
0.76
8.67
123.83
26.56
61.80
2.23
17.26
122.11
35.42
TOTAL
0.00
3.20
9.98
12.02
12.86
14.96
15.04
15.45
It is interesting to conclude that the Fire and Health segments have influenced the structure of non-life insurance significantly
over a period of seven years. The high growth in the Health insurance premium, so far, has largely been demand-driven and the
segment may continue to dictate the structure of non-life insurance industry in India.
35
TABLE I.30
NET INCURRED CLAIMS : NON-LIFE INSURERS
(` crore)
Insurer
Public Sector
Private Sector
Total
2011-12
2012-13
6563
4609
7791
5516
11172
13307
(` crore)
Insurer
2011-12
2012-13
Public Sector
22253.36
(13.54)
25061.37
(12.62)
Private Sector
12761.49
(28.71)
14562.24
(14.11)
Total
35014.85
(18.64)
39623.61
(13.16)
total commission expense of `3,943 crore for the nonlife industry. The commission expenses continued to
be the highest in the Motor segment, which stood at
`1,473 crore, comprising of `819 crore for the public
sector and `655 crore for the private sector companies.
36
Fire
Marine
Motor
Health
Others
Total
Private Sector
Public Sector
Total
2011-12
2012-13
2011-12
2012-13
2011-12
2012-13
101.45
84.32
92.41
100.28
55.58
71.55
60.39
92.86
103.21
46.35
67.06
82.07
97.62
77.93
50.31
52.46
76.88
81.26
79.08
78.20
96.78
83.72
94.96
94.00
54.29
68.82
64.96
87.06
96.43
55.31
89.27
84.79
88.26
79.56
88.90
82.79
TABLE I.32
INVESTMENT INCOME : NON-LIFE INSURERS
(` crore)
Insurer
2011-12
2012-13
Public Sector
7424.26
(-5.33)
8610.45
(15.98)
Private Sector
2080.67
(35.14)
2920.02
(40.34)
Total
9504.93
(1.31)
11530.47
(21.31)
TABLE I.33
NET PROFITS/LOSSES : NON-LIFE INSURERS
(` crore)
Insurer
2011-12
2012-13
Public Sector
1144.71
2602.72
Private Sector
-1120.19
679.11
24.52
3281.83
Total
37
Returns to Shareholders
TABLE I.34
DIVIDENDS PAID : NON-LIFE INSURERS
(` crore)
Insurer
2012
2013
169
522
Non - Life
Public sector
Private Sector
TABLE I.35
NUMBER OF NON-LIFE INSURANCE OFFICES
(As on 31st March)
Specialised Insurers
ECGC
AIC
54
25
60
Insurer
Reinsurer
GIC
Total
469
248
1051
2011-12
2012-13
Public Sector *
Private Sector
5,354
1,696
6,272
1,827
Total
7,050
8,099
38
Year
Tier I
Tier II
Tier III
Tier IV
Tier V
Tier VI
Total
No. of
offices
No. of
offices
No. of
offices
No. of
offices
No. of
offices
No. of
offices
Public Sector
2012
2013
3625
3583
752
921
677
968
155
565
44
94
28
59
5281
6190
Private Sector
2012
2013
1311
1147
57
153
22
166
3
-
1
-
1394
1466
Standalone Health
2012
2013
261
320
41
41
302
361
Specialised Insurers
2012
2013
46
47
27
29
73
82
Total
2012
2013
5243
5097
877
1144
699
1140
158
565
44
94
29
59
7050
8099
39
40
41
REINSURER
General Insurance Corporation of India (GIC)
I.3.68 GIC is the sole National Reinsurer, providing
reinsurance to the insurance companies in India. The
Corporations reinsurance programme has been
designed to meet the objectives of optimising the
retention within the country, ensuring adequate
coverage for exposure and developing adequate
capacities within the domestic market. It is also
administering the Indian Motor Third Party Declined
Risk Insurance Pool a multilateral reinsurance
arrangement in respect of specified commercial
vehicles where the policy issuing member insurers
cede insurance premium to the Declined Risk pool
based on the underwriting policy approved by IRDA.
42
BOX ITEM 4
43
Internet users from 160 million to 330 million by 2015. Therefore to reach this segment, apart from website, IRDA has launched
an internet campaign creating awareness about the role of IRDA, consumer education website, grievance redressal mechanism,
etc. Some more initiatives based on mobile technology for comparison of ULIP products, and usages of IRDA Grievance Call
Centre are already in place as a measure towards increasing insurance inclusion as well as insurance education.
Some games are also being developed around the theme of insurance to spread generic information among the children and
young population for uploading on the Authoritys Consumer Education Website. IRDA has recently opened an account on
Youtube and has uploaded Animation Films based on important themes of insurance providing product neutral and generic
information. IRDA is also exploring usage of other social sites like Facebook, Instagram, twitter etc., for the purpose.
Considering digital media as a unique and cost effective way to reach out to customer at large, some of the insurance companies
have also taken initiatives to enhance consumer awareness and to spread insurance related information with support of
these social media platforms. These efforts include development of Virtual online game e-crossword on the website, mobile
applications, audio/video films based on generic information on insurance that have been uploaded on the websites of insurers
as well as social sites. Some insurers are increasing their presence in social sites like Facebook and Twitter and interacting
with customers thereby addressing their concerns on day to day basis.
Of late, a few intermediaries have also shown interest in use of electronic form of media for disseminating generic information on
insurance. It will require a sustained and systematic effort on the part of all stakeholders to reduce the information asymmetries
that exist today between the policyholder on the one hand and the insurers on the other. To sum up, considering the profile
of the Indian population, it may be apt to explore all possible channels including the social media which is catching up fast
for spreading insurance awareness to reach masses. Usage of social media is just one more step towards this direction to
enhance insurance awareness levels and educate consumers on access to insurance related services, availability of various
products, their features and to make consumers understand their rights along with responsibilities either as an insured or a
potential buyer of insurance products.
44
45
Life Insurers
I.4.2.4 At the end of March 2013, all the 24 life insurers
complied with the stipulated requirement of solvency
ratio of 1.5. Life Insurance Corporation of India reported
a solvency ratio of 1.54, which was the same as at the
end of March 2012. (Statement No. 20).
Non-Life insurers
46
Reinsurer
I.4.2.8 The national reinsurer, General Insurance
Corporation of India, reported a solvency ratio of 2.39
as on 31st March 2013 (1.59 on 31st March, 2012).
I.4.3 MONITORING OF REINSURANCE
I.4.3.1 The mandate to the Authority in respect of
reinsurance lies in the provisions of Section 14(1) and
14(2) sub-section (f) of the IRDA Act, 1999 as well as
Sections 34F, 101A, 101B and 101C of the Insurance
Act, 1938. In addition, the Authority has framed
regulations pertaining to reinsurance by both life and
non-life insurers laying down the ground rules for
reinsurance arrangements. Under the provisions of the
Insurance Act, 1938, the General Insurance Corporation
of India has been designated as the Indian reinsurer
which entitles it to receive obligatory cessions of 5%
TABLE I.37
NET RETAINED PREMIUM ON INDIAN BUSINESS AS PER CENT OF GROSS DIRECT PREMIUM
(EXCLUDING GIC)
(in per cent)
Class
2011-12
2012-13
Public Sector
Private Sector
Industry
Public Sector
Private Sector
Industry
Fire
Marine Cargo
Marine Hull
Motor
Engineering
Aviation
Other Miscellaneous
66.28
72.52
18.99
91.35
68.09
-0.11
89.85
35.95
53.76
6.22
89.16
22.52
15.79
73.81
56.01
64.85
17.48
90.20
53.63
7.24
81.94
67.53
78.92
17.94
89.45
67.93
9.68
80.19
34.99
56.22
6.14
87.56
23.71
35.08
71.97
55.84
69.53
16.84
88.45
53.95
16.81
77.72
Industry
82.86
75.57
79.40
79.36
75.41
77.75
47
TABLE I.40
NET RETENTIONS OF NON LIFE INSURERS
AS PER CENT OF GROSS DIRECT PREMIUM
(INCLUDING GIC)
2011-12
2012-13
Class
33.47
20.06
36.42
32.62
29.04
38.69
14.16
23.06
16.18
51.88
0.18
78.40
21.10
5.79
31.87
15.20
36.76
15.52
40.67
31.82
14.83
24.60
16.29
52.53
0.20
60.61
25.94
9.37
INDUSTRY
25.39
7.52
17.99
8.72
Class
2011-12
Premium
Ceded
2012-13
Net Premium
Ceded
Profit
Ceded
Net
Profit
Ceded
Fire
Marine Cargo
Marine Hull
Motor
Aviation
Engineering
Other
Miscellaneous
1,180.15
282.61
499.95
40.46
361.8
447.9
1,201.71
135.18
(39.10)
358.04
14.93
278.06
184.33
(89.75)
1,551.17
303.10
523.58
55.67
301.73
624.84
2,249.06
INDUSTRY
4,014.59
841.69
5,609.14 1,410.74
2012-13
Fire
Marine Cargo
Marine Hull
Motor
Engineering
Aviation
Other Miscellaneous
75.16
78.86
32.29
99.02
73.53
20.16
94.52
71.88
83.59
34.79
98.78
70.78
27.25
90.01
INDUSTRY
91.84
89.84
as under:
2011-12
769.63
77.92
66.06
68.75
217.27
501.53
(290.42)
48
(ii)
Up to 1000
crore
Industrial Risk
Non-Industrial Risk
Residential Risk
0.25
0.15
0.08
0.25
0.15
0.08
Over 1000
crore and
up to 2,500
crore
0.20
0.12
0.20
0.12
0.15
0.10
0.15
0.10
49
Premium Premium
Rate
Rate (per
mille) (per mille)
2013-14
2012-13
Over 2,500
crore
50
TABLE I.42
SHARE OF MEMBER COMPANIES IN THE INDIAN
TERRORISM POOL
Insurer
2012-13
Per risk
Capacity
(` crore)
GIC
National
New India
Oriental
United India
Bajaj Allianz
Cholamandalam
Future Generali
Govt. Insurance
Fund, Gujarat
HDFC ERGO
ICICI Lombard
IFFCO Tokio
Reliance General
Royal Sundaram
Tata-AIG
Universal Sompo
Shriram General
Bharti AXA
Raheja QBE
SBI General
L&T General
Liberty Videocon*
Magma HDI*
TOTAL
2013-14
Share
(in per
cent)
160.00
120.00
160.00
120.00
128.00
50.25
20.00
10.00
10.00
16.00
12.00
16.00
12.00
12.80
5.03
2.00
1.00
1.00
156.50
120.00
156.50
120.00
120.00
50.25
20.00
10.00
10.00
15.65
12.00
15.65
12.00
12.00
5.03
2.00
1.00
1.00
10.00
80.00
40.00
20.00
10.00
16.00
10.00
10.00
10.00
0.75
5.00
10.00
-----
1.00
8.00
4.00
2.00
1.00
1.60
1.00
1.00
1.00
0.08
0.50
1.00
-----
10.00
80.00
40.00
20.00
10.00
16.00
10.00
10.00
10.00
0.75
5.00
10.00
10.00
5.00
1.00
8.00
4.00
2.00
1.00
1.60
1.00
1.00
1.00
0.08
0.50
1.00
1.00
0.50
1,000.00
100.00
1,000.00
100.00
TABLE I.43
EXPECTED ULTIMATE LIABILITIES
BY GAD ESTIMATE (IMTPIP)
51
Lower End
(per cent)
Higher End
(per cent)
159
188
200
213
197
233
249
263
TABLE I.45
PREMIUM CEDED UNDER DECLINED RISK POOL
(70 PER CENT) FOR THE YEAR 2012-13
(` crore)
294.03
TABLE I.44
DUE DATES FOR NET SETTLEMENTS
AMONGST THE POOL MEMBERS (IMTPIP)
2007-08 (Provisional)
2007-08 (Final) and 2008-09 (Final)
2009-10 (Final)
2010-11 (Final) and 2011-12 (Final)
TOTAL
Settlement By
262.47
31.56
Year
Public Sector
Private Sector
52
TABLE I.46
TOTAL INVESTMENTS OF THE INSURANCE SECTOR
(AS ON 31st MARCH)
(` crore)
INSURER
Life
Non-Life
Total
2012
2013
2012
2013
2012
2013
Public
12,69,070
(10.49)
14,02,991
(10.55)
71,104
(16.12)
83,644
(17.64)
13,40,174
(10.77)
14,86,635
(10.93)
Private
3,12,188
(10.89)
3,41,902
(9.52)
28,165
(32.32)
39,348
(39.71)
3,40,353
(12.40)
3,81,250
(12.02)
15,81,259
(10.57)
17,44,894
(10.35)
99,268
(20.30)
1,22,992
(23.90)
16,80,527
(11.10)
18,67,886
(11.15)
Total
Note: 1. Figures in brackets represent growth in percentage over the previous year.
2. Excluding Specialised Insurers
53
2012
2013
Amount
Percentage
Amount
Percentage
4,68,082
2,14,515
97,320
3,85,107
46,262
38.64
17.71
8.03
31.79
3.82
5,12,180
2,65,989
1,18,878
4,56,256
49,084
36.52
18.97
8.48
32.53
3.50
12,11,287
100.00
14,02,387
100.00
ULIP Funds
6 Approved Investments
7 Other Investments
3,46,340
23,632
93.61
6.39
3,25,283
17,224
94.97
5.03
B. Total (6+7)
3,69,972
100.00
3,42,507
100.00
Traditional Products
1 Central Govt. Securities
2 State govt. and other Approved securities
3 Housing & Infrastructure
4 Approved Investments
5 Other Investments
A. Total (1+2+3+4+5)
15,81,259
17,44,894
Note: The figures for 2012-13 are based on provisional returns filed with IRDA
TABLE I.48
INVESTMENTS OF LIFE INSURERS : FUND-WISE
(AS ON 31st MARCH)
(` crore)
Insurer
Life Fund
2012
2013
2012
2013
2012
2013
2012
2013
LIC
Private
9,14,614
60,006
10,37,656
82,343
2,12,754
23,913
2,51,011
31,375
1,41,703
2,28,269
1,14,324
2,28,184
12,69,070
3,12,188
14,02,991
3,41,902
Total
9,74,620
(61.64)
11,20,000
(64.19)
2,36,667
(14.97)
2,82,387
(16.18)
3,69,972
(23.40)
3,42,507
(19.63)
15,81,259
(100.00)
17,44,894
(100.00)
Note: 1. The figures for 2012-13 are based on provisional returns filed with IRDA.
2. Figures in brackets indicate percentage of respective funds to the total funds.
54
2012
2013
Life
Pension & General Annuity & Group Fund
Traditional (A)
Unit Linked Funds (B)
9,74,620
2,36,667
12,11,287
3,69,972
15.88
24.61
17.49
-7.30
11,20,000
2,82,387
14,02,387
3,42,507
14.92
19.32
15.78
-7.42
Total (A+B)
15,81,259
10.57
17,44,894
10.35
Note : The Figures of 2012-13 are based on provisional returns filed with IRDA
TABLE I.50
TOTAL INVESTMENTS OF NON-LIFE INSURERS : INSTRUMENT-WISE
(AS ON 31st MARCH)
(` crore)
Pattern of Investments
2012
2013
Total
% to Fund
Total
% to Fund
24,241
9,339
8,179
15,198
38,563
3,749
24.42
9.41
8.24
15.31
38.85
3.78
30,658
12,987
10,275
18,997
44,194
5,882
24.93
10.56
8.35
15.45
35.93
4.78
Total
99,268
100.00
1,22,992
100.00
Note: 1. Investments of CHNHB Association, ECGC and AIC of India have not been included
2. FFE : Fire Fighting Equipment
55
TABLE I.51
HEALTH INSURANCE PREMIUM
(` crore)
Insurer
2011-12
2012-13
Non-Life Private
3,660.79
(20.76 )
4,382.52
(19.72)
Non-Life Public
8,148.23
(17.88)
9,592.15
(17.72)
Standalone Health
1,659.78
(8.07)
1,726.21
(4.00)
13,468.80
(17.33)
15,700.88
(16.57)
Total
56
TABLE I.52
NEW TPA LICENSES ISSUED DURING 2012-13
Sl. No. Third Party Administrator
1
2
TABLE I.53
TPA LICENSES RENEWED DURING 2012-13
Sl. No. Third Party Administrator
1
2
3
TABLE I.54
THIRD PARTY ADMINISTRATORS - CLAIMS DATA FOR 2012-13
Claims
outstanding
at the
beginning of
the year
Claims
re-opened
during the
year
(A)
(B)
3,13,376
78,959
(D)
Claims
rejected/
closed during
the year
Claims
Outstanding at
the end of the
year
(E) (F)=(A+B+C-D-E)
43,70,606 34,77,415
3,77,912
56,113
12,270
5,15,600
3,23,631
(73.01)
(7.93)
(1.18)
(0.26)
(10.83)
(6.79)
Figures in the brackets indicate the ratio (in per cent) of claims settled / rejected / closed to the total of Column A+B+C of the table.
57
No. of
No. of
Hospitals in Hospitals
the Network added to
the Network
at the
beginning of during the
year
the year
No. of
Hospitals
withdrawn/
removed
from
Network
during the
year
Manpower
No. of
Total No. of
Hospitals in Branches at at the end
the Network the end of of the year
the year
at the end of
the year
3,960
51
10
4,001
16
148
1,246
132
1,378
30
916
142
1,058
18
3,204
197
94
3,307
24
356
4,932
154
26
5,060
56
855
3,517
95
16
3,596
120
N.A.
154
Nil
154
20
3,072
359
212
3,219
19
660
1,208
186
12
1,382
48
10
3,376
425
405
3,396
20
275
11
4,098
271
24
4,345
208
12
1,274
308
1,580
82
13
1,557
1,557
1,557
21
14
4,190
203
978
3,415
39
565
15
3,135
490
994
2,631
15
331
16
NR
NR
NR
NR
NR
NR
17
5,255
203
81
5377
81
3,112
18
3,783
129
Nil
3,912
111
1,880
19
4,686
306
159
4,833
35
1,868
20
3,609
148
28
3,729
43
323
21
4,052
853
255
4,650
18
870
22
1,674
47
30
1,721
110
23
4,100
59
4,159
502
24
1,755
209
1,992
75
25
3,420
47
39
3,428
167
26
2,362
811
17
3,156
16
27
1,853
337
840
1,350
26
28
4,627
1,512
117
6,022
14
691
29
3,435
103
416
3,122
182
30
NR
NR
NR
NR
NR
NR
31
3,985
2,075
20
6,040
20
518
NR - Not Received
58
BOX ITEM 5
59
60
Financial Reporting
61
62
63
64
65
Modified NAIS
I.4.10.4 The Modified National Agricultural Insurance
Scheme (M NAIS) was approved for its implementation
on pilot basis in 50 Districts from Rabi 2010-11. During
Kharif 2012, AIC implemented Modified NAIS in 29
Districts in 12 States insuring 16 lakh farmers for a
sum insured of `4,358 crore against premium of
`509.43 crore and during Rabi 2012-13 in 24 Districts
in 11 States insuring 7.81 lakh farmers for a sum
insured of `1,583 crore against premium of `177.92
crore. So far, total claims assessed in respect of Kharif
2012 are `662 crore. The Pilot Modified NAIS is being
continued during 2013-14 as well.
66
Insurer
Group
Policies
Premium
Schemes
Premium
Lives covered
Private
LIC
6,95,904
43,40,235
1,018.54
9,949.05
151
5,325
756.89
21,045.76
7,57,450
1,32,23,872
Industry Total
50,36,139
10,967.59
5,476
21,802.65
1,39,81,322
Note: New business premium includes first year premium and single premium.
TABLE I.57
MICRO INSURANCE AGENTS OF
LIFE INSURERS
Insurer
As on Additions Deletions
As on
1st April,
during
during 31st March,
2012
2012-13
2012-13
2013
Private Total
LIC
1,251
11,546
804
3,792
231
110
1,824
15,228
Industry
Total
12,797
4,596
341
17,052
TABLE I.58
INDIVIDUAL DEATH CLAIMS UNDER MICRO INSURANCE PORTFOLIO
(Benefit Amount in ` lakh)
Insurer
Total Claims
Claims paid
Claims repudiated
Claims pending as on
31st March, 2013
No. of
Policies
Benefit
Amount
No. of
Policies
Benefit
Amount
No. of
Policies
Benefit
Amount
No. of
Policies
Benefit
Amount
3,289
326.74
3,253
98.91%
315.47
96.55%
26
0.79%
8.58
2.63%
10
0.30%
2.68
0.82%
LIC
11,753
1,974
11,647
99.10%
1,954.95
99.03%
67
0.57%
12.3
0.62%
36
0.31%
6.55
0.33%
Industry
15,042
2,300.74
14,900
99.06%
2,270.42
98.68%
93
0.62%
20.88
0.91%
46
0.31%
9.23
0.40%
Private
67
District Cooperative Banks licensed by Reserve Bank of India (RBI) subject to being eligible as per extant RBI norms
2.
Regional Rural Banks established under Section (3) of Regional Rural Banks Act, 1976 subject to being eligible as per
extant RBI norms
3.
Urban Co-operative Banks licensed by RBI subject to being eligible as per extant RBI norms
4.
5.
6.
Companies registered under Companies Act, 1956 that are appointed as Banking Correspondents (BCs) by Nationalised
Banks in accordance to the extant RBI norms
7.
8.
9.
68
Total Claims
No. of
Lives
Private
3,650
Benefit
Amount
831.65
LIC
1,40.512 43,329.41
Industry
1,44,162 44,161.06
Claims paid
No. of
Lives
Benefit
Amount
Claims repudiated
No. of
Lives
3,573
824.63
97.89%
99.16%
1,39,242 42,947.45
99.10%
99.12%
1,42,815 43,772.08
99.07%
99.12%
Benefit
Amount
58
1.59%
0
2.80
0.34%
0.00
58
0.04%
2.80
0.01%
Claims
written back
No. of
Lives
Benefit
Amount
0
0.00
0.00
0.00
Claims pending as
on 31st March, 2013
No. of
Lives
19
0.52%
1,270
0.90%
1,289
0.89%
Benefit
Amount
4.22
0.51%
381.96
0.88%
386.18
0.87%
Non-Life Sector
TABLE I.60
DURATION-WISE SETTLEMENT OF DEATH CLAIMS IN MICRO INSURANCE INDIVIDUAL CATEGORY
(No. of Policies)
Insurer
Duration
Within 30 Days
of Intimation
Private
LIC
Industry
2,964
91.12%
11,647
100.00%
14,611
98.06%
44
1.35%
0.00%
44
0.30%
69
181 Days to 1
Year
More than 1
Year
5
0.15%
0.00%
5
0.03%
0.00%
0.00%
-
3,253
11,647
14,900
Duration
Within 30 Days
of Intimation
Private
LIC
Industry
2,578
72.15%
1,37,225
98.55%
1,39,803
97.89%
10
0.28%
0
0.00%
10
0.01%
181 Days to
1 Year
More than
1 Year
1
0.03%
0
0.00%
1
0.00%
0
0.00%
0
0.00%
0
0.00%
3,573
1,39,242
1,42,815
TABLE I.62
LIST OF CENTRAL PUBLIC INFORMATION
OFFICERS (As on 31st March, 2013)
Department
S P Chakraborty
C Srinivasa Kumar
DNKLNK Chakravarthi
Actuarial
D V S Ramesh
Life
K Sridhar
S Dakshinamurthy
Non-Life
N M Behra
R Pardhasaradhi
K Srinivas
Manoj Kumar Asiwal
M Saritha
Consumer Affairs
B Raghavan
K Srinivas
Administration/Human
Resources/Information
Technology /Legal/Sectoral
Development
P Himakiran
Intermediaries
Rajeshwar Gangula
Agency Distribution
Mahesh Agarwal
Ammu Venkata Ramana
Biswajit Samaddar
Internal Accounts
K Mahipal Reddy
Mahesh Agarwal
Mahesh Agarwal
Investments
70
PART - II
REVIEW OF WORKING AND OPERATIONS
I I . 1 R E G U L AT I O N O F I N S U R A N C E A N D
REINSURANCE COMPANIES
71
72
73
74
(ii)
75
Due Diligence
Insurance Agents
II.2.1 The year 2012-13 witnessed 10.01 per cent
decrease in the number of individual agents. The
number declined from 23.58 lakh as on 31st March,
2012 to 21.22 lakh as on 31st March, 2013. While the
private life insurers recorded a decrease of 12.11 per
cent, LIC showed a decrease of 8.23 per cent. LIC has
on its roles, a higher number of individual agents than
all private life insurers put together. At the end of the
year, while the number of agents with LIC stood at
11.72 lakh, the corresponding number for private sector
insurers was 9.49 lakhs. The corresponding previous
year numbers were 12.78 lakh and 10.80 lakh
respectively.
76
Insurer
As on Additions Deletions
As on
1st April,
31st March,
2012
2013
Private Total
LIC
Industry
Total
1080651
1278234
283386
281766
414263
387017
949774
1172983
2358885
565152
801280
2122757
As on Additions Deletions
As on
1st April,
31st March,
2012
2013
Private Total
642
140
250
532
LIC
Industry
Total
240
21
54
207
882
161
304
739
Corporate Agency
II.2.3 As on 31st March, 2013, there were 739 corporate
agents. The number of Corporate Agents declined by
16.21 per cent from 882 as on 31st March, 2012 to 739
as on 31st March, 2013. While 161 new agents were
added during 2012-13, licenses of 304 corporate
agents were cancelled. In case of LIC, 54 corporate
agent licenses were cancelled and 21 new licenses
were issued. While in case of private insurers 250
corporate agents licenses were cancelled and 140
new corporate agent licenses were issued.
Channel wise New Business Performance
Individual New Business
II.2.4 Over the years, there has been a perceptible shift
away from the individual agency channel. The
contribution to the new business premium procured
through individual agents decreased slightly to 77.53
77
Individual
Agents
Private
LIC#
Industry Total
39.68
95.86
77.53
Corporate Agents
Brokers
Banks
Others*
43.08
3.16
16.18
6.04
0.15
2.07
5.05
0.02
1.66
100.00
100.00
100.00
Referrals
0.10
0.03
78
TABLE II.4
GROUP NEW BUSINESS PERFORMANCE OF LIFE INSURERS - CHANNEL WISE
(Figures in per cent of Premium)
Insurer
Private Total
LIC#
Industry Total
Individual
Agents
Corporate Agents
4.08
3.12
3.34
Banks
Others*
19.88
0.02
4.63
3.45
0.01
0.81
Brokers
Direct
Selling
Total Group
New Business
Referrals
2.38
0.02
0.57
70.21
96.84
90.66
100.00
100.00
100.00
0.003
0.000
0.001
TABLE II.5
NEW BUSINESS PREMIUM (INDIVIDUAL AND GROUP) OF LIFE INSURERS CHANNEL WISE
(Figures in per cent of Premium)
Insurer
Individual
Agents
Corporate Agents
Banks
Others*
Brokers
Direct
Selling
Total New
Business
Referrals
Private Total
27.59
35.20
5.16
4.14
27.90
100.00
0.07
LIC#
53.96
1.74
0.09
0.02
44.19
100.00
0.00
Industry Total
46.40
11.33
1.54
1.20
39.52
100.00
0.02
79
The Remuneration for the leads converted into policies to be negotiated between the insurer and Web Aggregator subject
to the limits prescribed under Section 42E of Insurance Act, 1938
Standardisation of procedure for applications, eligibility criteria and requirements for obtaining the license to act as Web
Aggregators
80
Permission to function as Tele-marketers and carry out outsourcing activities for insurers subject to conditions
Prescription for periodical disclosures and maintenance of records by the Web Aggregators.
81
TABLE II.6
NUMBER OF LICENSES ISSUED TO SURVEYORS
AND LOSS ASSESSORS
Fresh licenses
Individual
Corporate
Sub-total
Renewals
Individual
Corporate
Sub-total
Trainee Enrolments
2012-13
April - June,
2013
202
13
73
2
215
75
1692
14
647
3
1706
650
646
TABLE II.7
GRIEVANCES RELATING TO SURVEYORS AND LOSS ASSESSORS
For the period
2012-13
April 2013- June 2013
Outstanding at the
beginning of period
Received during
the period
Addressed during
the period
4
3
115
20
116
14
3
9
82
TABLE II.8
STATE WISE SPREAD OF INSURANCE BROKERS
Sl
No.
State
1
2
3
4
5
6
7
8
9
10
11
12
13
14
Maharashtra
New Delhi
West Bengal
Tamil Nadu
Andhra Pradesh
Uttar Pradesh
Gujarat
Karnataka
Punjab
Kerala
Rajasthan
Chandigarh
Madhya Pradesh
Haryana
Total
As at
31.03.2013
As at
30.06.2013
112
68
31
30
21
21
13
13
11
11
6
4
3
2
113
70
32
30
21
21
13
13
11
11
6
4
3
2
346
350
Sl Name
No
1
Web Aggregators
II.2.18 After the notification of Guidelines on Web
Aggregators in 2011, the Authority has issued licenses
to 7 Web Aggregators. These licenses are valid for a
period of three years. With the increase in tele-density
and internet penetration in smaller cities and rural
towns, this form of intermediation is expected to grow
substantially in future (Table II.9).
83
BOX ITEM 8
84
TABLE II.10
DETAILS OF CASES FILED
Particulars
No. of
Cases
TOTAL
7
49
3
0
1
43
9
1
113
TABLE II.11
PETITION /CASES DISPOSED/DISMISSED
No. of
No. of
cases
cases
with
without
directions directions
to IRDA*
to IRDA
14
27
TOTAL
*In one SLP, IRDA was directed to give hearing on the renewal
application of a Broker. In two writ appeals, IRDA was directed
to receive objections from the stakeholders prior to revision
of Motor Third Party Insurance premium. In two writ petitions,
the Authority was directed to dispose the representation of
the petitioners. In yet another writ petition, IRDA was directed
to provide access to victims regarding Insurance details of
vehicles involved in road accident.
85
Present Status:
II.4.8 Aggrieved by the Honble High Court order dated
14th March, 2013 M/s Heritage Insurance Brokers Pvt.
Ltd., has filed an appeal No.MAT-422 of 2013 before
the Division Bench of Calcutta High Court and no stay
on Authoritys order dated 5th October, 2012 has been
granted till date.
M.A.T. 1011 of 2012 and other connected matters
@ IRDA and others Vs. Asansol Mini Bus Association
and others before Honble High Court, Kolkota
II.4.9 This appeal was filed by IRDA before the Honble
Division bench of Kolkota High Court against the
Judgment and order dated 14th June, 2012 passed by
single Judge allowing the writ petition and consequently
quashing the impugned order dated 27th March, 2012
passed by IRDA relating to revision of Motor third party
premium for the financial year 2012-13.
86
87
88
89
90
Executive Committee
Implementation Committee
Technical Committee
Education Sub-Committee
Life Insurers
II.6.3 As on 31 st March, 2013, there were 1224
complaints pending resolution by life insurance
companies. During the year 2012-13, the life insurance
industry received 3,41,012 complaints out of which
73,034 related to LIC and 2,67,978 related to private
sector life insurers.
TABLE II.12
STATUS OF GRIEVANCES - LIFE INSURERS DURING 2012-13
Insurer
Outstanding as on
31st March, 2012
Grievances Reported
during 2012-13
Resolved during
2012-13
Outstanding as on
31st March, 2013
165
73034
72655
544
PRIVATE
1117
267978
268415
680
TOTAL
1282
341012
341070
1224
LIC
91
2011-12
2012-13
55866
888
1592
36702
5722
89384
691
1635
42598
34174
100770
168482
Non-Life Insurers
Total
92
Outstanding as on
31st March, 2012
Grievances Reported
during 2012-13
Resolved during
2012-13
Outstanding as on
31st March, 2013
1548
18616
19057
1107
47
60311
60230
128
1595
78927
79287
1235
Public
Private
Total
93
94
95
II.8.4 Apart from these, sample data for Fire and Marine
classes of business were uploaded onto the IIB
Website for the first time (Motor and Health sample
data have been previously made available).
96
I. Motor:
II. Health:
Cashless vs Reimbursement Claim Analysis:
97
With effect from 15th May, 2013, the IAC has been
reconstituted.
TABLE II.15
DISPOSAL OF COMPLAINTS BY OMBUDSMEN DURING 2012-13
Insurer
Complaints Complaints
o/s as on
received
31.3.2012
during
2012-13
Total
Complaints
disposed
during
2012-13
(II)
(III)
(IV)
Complaints
o/s as on
31.03.2013
Life
2846
15711
18557
14673
1259
(8.58)
1119
(7.63)
909
(6.20)
11386
(77.59)
3884
Non-life
4330
9071
13401
8684
1501
(17.28)
1164
(13.40)
1109
(12.77)
4910
(56.55)
4717
Combined
7176
24782
31958
23357
2760
(11.82)
2283
(9.77)
2018
(8.64)
16296
(69.77)
8601
98
PART - III
STATUTORY AND DEVELOPMENTAL FUNCTIONS OF THE AUTHORITY
Section 14 of the IRDA Act, 1999 (IRDA Act) lays
down the duties of the Authority to regulate, promote
and ensure orderly growth of the insurance business
and reinsurance business. Sub-section (2) of the said
section lays down the powers and functions of the
Authority. Chapter III of the Annual Report covers the
activities of the Authority in 2012-13 while carrying
out its statutory functions and exercising the powers
conferred on it.
TABLE III.1
PENALTIES LEVIED BY THE AUTHORITY DURING FY 2012-13
Sl. Name of Insurance
No. Company
Amount
of Penalty
Date of Penalty
`6 lakh
Shriram Life
`28 lakh
May 3, 2012
`118 lakh
`147 lakh
`5 lakh
`30 lakh
99
TABLE III.1
PENALTIES LEVIED BY THE AUTHORITY (Contd.)
Sl. Name of Insurance
No. Company
Amount
of Penalty
Date of Penalty
`49 lakh
`22 lakh
September 9,
2012
`6 lakh
September 18,
2012
10
PNB MetLife
`76 lakh
October 5, 2012
11
National Insurance
`5 lakh
August 9, 2012
12
`5 lakh
August 9, 2012
III.2.2 The Authority has advised all life and nonlife insurance companies not to reject genuine
claims intimated or submitted, at a later date than
the time specified in the policy, due to unavoidable
100
101
102
4.
2.
3.
103
104
105
106
107
108
109
110
111
PART - IV
ORGANISATIONAL MATTERS
IV.1 ORGANISATION
4.
5.
3.
3.
4.
5.
Authority Meetings
73rd Authority Meeting held on 31st August, 2012.
2.
2.
1.
1.
113
114
115
c)
d)
e)
iii.
ii.
vi.
i.
v.
b)
iv.
(i)
(ii)
Agent locator
IV.7.7 Intranet
The intranet was revamped and made as a database
driven application along with search facility. More
features were also incorporated in the intranet including
116
the following:
a)
b)
c)
d)
a)
b)
c)
d)
e)
f)
g)
h)
IV.8 ACCOUNTS
IV.8.1 The Accounts of the Authority for 2012-13 have
been audited by the Comptroller and Auditor General
of India (C&AG). Pursuant to the provisions of Section
17 of IRDA Act, 1999, the audited accounts along with
the Audit Report are required to be forwarded to the
Government of India to be placed in both the Houses
of Parliament.
117
118
STATEMENTS
STATEMENT 1
INTERNATIONAL COMPARISON OF INSURANCE PENETRATION*
(In per cent)
Countries
2011**
2012**
Total
Life
Non-Life
Total
Life
Non-Life
Australia
6.0
3.0
3.0
5.6
2.8
2.8
Brazil
3.2
1.7
1.5
3.7
2.0
1.7
France
9.5
6.2
3.3
8.9
5.6
3.3
Germany
6.8
3.2
3.6
6.7
3.1
3.6
Russia
2.4
0.1
2.3
1.3
0.1
1.2
South Africa
12.9
10.2
2.7
Switzerland
10.0
5.5
4.5
9.6
5.3
4.3
United Kingdom
11.8
8.7
3.1
11.3
8.4
2.8
8.1
3.6
4.5
8.2
3.7
4.5
11.4
10.1
1.4
12.4
11.0
1.4
India#
4.1
3.4
0.7
4.0
3.2
0.8
Japan
11.0
8.8
2.2
11.4
9.2
2.3
Malaysia
5.1
3.3
1.8
4.8
3.1
1.7
Pakistan
0.7
0.4
0.3
0.7
0.4
0.3
PR China
3.0
1.8
1.2
3.0
1.7
1.3
Singapore
5.9
4.3
1.5
6.0
4.4
1.6
11.6
7.0
4.6
12.1
6.9
5.3
1.2
0.6
0.6
1.2
0.5
0.7
17.0
13.9
3.1
18.2
15.0
3.2
Thailand
4.4
2.7
1.7
5.0
3.0
2.1
World
6.6
3.8
2.8
6.5
3.7
2.8
United States
Asian Countries
Hong Kong
South Korea
Sri Lanka
Taiwan
121
2011**
2012**
Total
Life
Non-Life
Total
Life
Non-Life
4094.0
2077.0
2017.0
3922.3
1987.7
1934.7
398.0
208.0
189.0
414.2
225.5
188.7
France
4041.0
2638.0
1403.0
3543.5
2239.2
1304.3
Germany
2967.0
1389.0
1578.0
2804.6
1299.3
1505.3
303.0
8.0
295.0
182.4
12.1
170.3
South Africa
1037.0
823.0
215.0
1080.9
882.3
198.6
Switzerland
8012.0
4421.0
3591.0
7522.1
4121.1
3401.1
United Kingdom
4535.0
3347.0
1188.0
4350.2
3255.8
1094.4
United States
3846.0
1716.0
2130.0
4047.3
1808.1
2239.2
3904.0
3442.0
462.0
4543.9
4024.7
519.2
India#
59.00
49.00
10.00
53.20
42.70
10.50
Japan
5169.0
4138.0
1031.0
5167.5
4142.5
1024.9
Malaysia
502.0
328.0
175.0
514.2
329.9
184.3
Pakistan
8.0
4.0
4.0
8.7
5.3
3.4
PR China
163.0
99.0
64.0
178.9
102.9
76.0
Singapore
3106.0
2296.0
810.0
3362.0
2471.8
890.2
South Korea
2661.0
1615.0
1045.0
2785.4
1578.1
1207.3
33.0
15.0
18.0
32.9
14.8
18.2
3371.0
2757.0
614.0
3759.6
3107.1
652.5
222.0
134.0
88.0
266.2
156.5
109.7
661.00
378.00
283.00
655.70
372.60
283.10
Australia
Brazil
Russia
Asian Countries
Hong Kong
Sri Lanka
Taiwan
Thailand
World
122
123
---
ING LIFE
KOTAK MAHINDRA
--
TATA AIA
464.53
--
10.33
827.82
26.34
193.56
148.53
471.36
396.06
283.98
--
--
2602.50
1042.65
--
--
--
--
678.12
--
2716.77
-407.12
2005-06
644.82
--
181.17
2563.84
43.00
932.11
340.44
912.11
614.94
467.66
--
--
5162.13
1648.85
--
--
--
--
882.72
7.78
4302.74
-721.35
2006-07
964.51
--
309.99
4792.82
122.12
2751.05
825.35
1597.83
1106.62
704.44
--
11.90
8034.75
2685.37
2.49
--
--
--
1965.01
113.24
6674.48
-1053.98
2007-08
1142.67
50.19
314.47
5386.64
134.01
3513.98
1144.70
1842.91
1343.03
688.95
--
316.78
6811.83
2651.11
149.97
--
3.37
296.41
2820.85
292.93
4491.43
31.21
724.56
2008-09
1322.01
519.87
419.50
7040.74
124.83
3920.78
1061.85
1849.08
1333.98
642.43
201.59
400.56
6333.92
3257.51
486.08
--
37.38
622.62
2960.01
437.43
4451.10
150.37
798.37
2009-10
1332.21
758.69
571.99
7589.58
91.83
3034.94
706.22
2061.39
1253.14
660.49
704.77
444.95
7862.14
4059.33
448.61
--
74.15
817.29
2080.30
347.78
3465.82
274.87
745.39
2010-11
939.55
964.77
390.99
6531.32
71.14
1809.29
1076.97
1901.72
1164.27
638.14
982.31
311.01
4441.09
3857.47
345.03
10.88
103.16
687.10
1926.17
224.59
2717.31
207.65
801.86
2011-12
560.16
744.80
420.65
5182.88
61.43
1376.57
840.08
1899.34
1188.10
638.20
1316.42
345.14
4808.62
4436.07
240.43
47.33
140.01
606.72
1836.51
248.92
2987.90
135.90
687.40
2012-13
297.55
--
--
484.85
1.74
91.33
57.52
233.63
373.99
282.42
--
--
1584.34
486.15
--
--
--
--
621.31
--
857.45
-192.29
2004-05
Note: 1) Figures in the brackets represent the growth over previous year in per cent.
2) -- represents business not started.
9707.43 19857.28 16942.45 19788.32 26217.64 38785.54 75649.21 93712.52 87331.08 109893.91 126398.18 113966.03 107361.08
(25.84)
(15.02)
(-9.84)
(-5.80)
(104.56) (-14.68)
(16.80)
(32.49)
(47.94)
(95.04)
(23.88)
(-6.81)
2440.71
(152.74)
181.59
--
--
207.05
--
27.21
23.41
137.28
125.51
72.10
--
--
750.84
209.33
--
--
--
--
449.86
--
179.55
-76.96
2003-04
TOTAL
965.69
(259.65)
59.77
--
--
71.88
--
6.32
7.70
67.31
35.21
17.66
--
--
364.11
129.31
--
--
--
--
129.57
--
63.39
-13.47
2002-03
9700.98 19588.77 15976.76 17347.62 20653.06 28515.87 56223.56 59996.57 53179.08 71521.90 87012.35 81862.25 76611.50
(101.93) (-18.44)
(8.58)
(19.05)
(38.07)
(97.17)
(6.71)
(-11.36)
(34.49)
(21.66)
(-5.92)
(-6.41)
268.51
(4061.70)
21.14
--
--
14.69
--
0.28
0.48
38.80
7.58
4.19
--
--
113.33
32.78
--
--
--
--
28.11
--
7.14
---
2001-02
(` Crore)
STATEMENT 3
LIC
6.45
--
PRIVATE SECTOR
---
--
SAHARA
SHRIRAM LIFE
--
RELIANCE
SBI LIFE
--
PNB METLIFE
0.16
--
INDIA FIRST
MAX LIFE
--
IDBI FEDERAL
5.97
FUTURE GENERALI
0.002
---
EDELWEISS TOKIO
ICICI PRUDENTIAL
--
DLF PRAMERICA
HDFC STANDARD
--
CANARA HSBC
--
BHARTI AXA
0.32
--
BAJAJ ALLIANZ
BIRLA SUNLIFE
---
2000-01
AEGON RELIGARE
AVIVA
INSURER
124
------
SAHARA
SBI LIFE
SHRIRAM LIFE
TATA AIA
34898.47
GRAND TOTAL
50094.46
(43.54)
49821.91
(42.79)
272.55
(4124.31)
21.14
--
--
14.69
--
0.28
0.48
38.95
7.58
4.19
--
--
116.38
33.46
--
--
--
--
28.26
--
7.14
55747.55
(11.28)
54628.49
(9.65)
1119.06
(310.59)
81.21
--
--
72.39
--
6.47
7.91
96.59
40.32
21.16
--
--
417.62
148.83
--
--
--
--
143.92
--
69.17
13.47
--
2002-03
66653.75
(19.56)
63533.43
(16.30)
3120.33
(178.83)
253.53
--
--
225.67
--
31.06
28.73
215.25
150.72
88.51
--
--
989.28
297.76
--
--
--
--
537.54
--
220.80
81.50
--
2003-04
28253.00
(87.31)
1367.18
--
184.16
2928.49
51.00
1004.66
492.71
1500.28
971.51
707.20
--
--
7912.99
2855.87
--
--
--
--
1776.71
7.78
5345.24
1147.23
--
2006-07
51561.42
(82.50)
2046.35
--
358.05
5622.14
143.49
3225.44
1159.54
2714.60
1691.14
1158.87
--
11.90
13561.06
4858.56
2.49
--
--
--
3272.19
118.41
9725.31
1891.88
--
2007-08
64497.43
(25.09)
2747.50
50.19
436.17
7212.10
206.47
4932.54
1996.64
3857.26
2343.19
1442.28
--
318.97
15356.22
5564.69
152.60
--
3.37
296.41
4571.80
360.41
10624.52
1992.87
31.21
2008-09
79369.94
(23.06)
3493.78
530.37
611.27
10104.03
250.59
6604.90
2536.01
4860.54
2868.05
1642.65
201.60
571.12
16528.75
7005.10
541.51
--
38.44
842.45
5505.66
669.73
11419.71
2378.01
165.65
2009-10
88165.24
(11.08)
3985.22
933.31
821.52
12945.29
243.41
6571.15
2508.17
5812.63
2975.51
1708.95
798.43
811.00
17880.63
9004.17
726.16
--
95.04
1531.86
5677.07
792.02
9609.95
2345.17
388.61
2010-11
84182.83
(-4.52)
3630.30
1271.95
644.16
13133.74
225.95
5497.62
2677.50
6390.53
2937.43
1679.98
1297.93
736.70
14021.58
10202.40
779.58
10.88
167.01
1861.08
5885.36
774.16
7483.80
2415.87
457.32
2011-12
78398.91
(-6.87)
2760.43
1068.80
618.07
10450.03
205.38
4045.39
2429.52
6638.70
2777.78
1742.36
1690.08
804.68
13538.24
11322.68
678.29
54.83
236.79
1912.15
5216.30
744.52
6892.70
2140.67
430.50
2012-13
15083.54
(95.19)
880.19
--
10.33
1075.32
27.66
224.21
205.99
788.13
621.85
425.38
--
--
4261.05
1569.91
--
--
--
--
1259.68
--
3133.58
600.27
--
2005-06
(` Crore)
STATEMENT 4
75127.29
(18.25)
7727.51
(147.65)
497.04
--
--
601.18
1.74
106.55
81.53
413.43
466.16
338.86
--
--
2363.82
686.63
--
--
--
--
915.47
--
1001.68
253.42
--
2004-05
Note: 1) Figures in the brackets represent the growth over previous year in per cent.
2) -- represents business not started.
34892.02
LIC
6.45
--
RELIANCE
PRIVATE SECTOR
--
PNB METLIFE
0.16
--
MAX LIFE
--
KOTAK MAHINDRA
--
INDIA FIRST
ING LIFE
--
IDBI FEDERAL
5.97
--
FUTURE GENERALI
ICICI PRUDENTIAL
--
EDELWEISS TOKIO
0.002
--
DLF PRAMERICA
HDFC STANDARD
--
--
BHARTI AXA
0.32
--
BAJAJ ALLIANZ
CANARA HSBC
--
AVIVA
BIRLA SUNLIFE
--
--
AEGON RELIGARE
--
2001-02
2000-01
INSURER
38014
33.59%
374619
36.52%
276352
28.79%
26475
21.71%
16225
13.10%
135892
66.42%
61284
36.16%
HDFC STANDARD
ICICI PRUDENTIAL
IDBI FEDERAL
INDIA FIRST
ING LIFE
KOTAK MAHINDRA
CANARA HSBC
FUTURE GENERALI
334426
59.87%
BIRLA SUNLIFE
16445
71.64%
43352
43.52%
BHARTI AXA
EDELWEISS TOKIO
464586
63.59%
BAJAJ ALLIANZ
24618
24.04%
48265
34.46%
AVIVA
DLF PRAMERICA
19103
29.71%
125
179.90
26.13%
415.53
65.19%
19.60
6.67%
64.91
20.63%
1227.96
35.90%
547.10
16.61%
75.73
43.05%
25.53
70.75%
60.91
44.26%
662.85
63.22%
93.78
43.57%
1159.57
76.15%
187.72
43.62%
47.21
36.39%
Policies Premium
Individual Agents
AEGON RELIGARE
Insurer
39865
23.52%
44509
21.75%
89808
72.52%
79499
65.19%
212327
22.12%
479640
46.76%
47
0.20%
506
0.49%
73310
99.96%
24780
4.44%
14898
2.04%
56260
40.16%
38
0.06%
349.60
50.78%
176.25
27.65%
258.49
87.96%
227.39
72.25%
1524.18
44.56%
2300.87
69.84%
0.10
0.29%
0.46
0.34%
354.96
99.95%
186.95
17.83%
102.89
6.76%
200.70
46.64%
0.09
0.07%
Policies Premium
Banks
18107
10.68%
2226
1.09%
11868
9.58%
20
0.02%
148206
15.44%
1695
0.17%
32138
28.39%
48681
47.55%
33
0.04%
157761
28.24%
2373
2.38%
222774
30.49%
5374
3.84%
3798
5.91%
46.65
6.78%
2.74
0.43%
10.98
3.74%
0.01
0.00%
136.63
3.99%
75.42
2.29%
36.31
20.64%
39.78
28.91%
0.17
0.05%
91.35
8.71%
3.99
1.85%
187.78
12.33%
0.60
0.14%
9.51
7.33%
Policies Premium
Others*
Corporate Agents
21214
12.52%
9512
4.65%
453
0.37%
2
0.00%
88146
9.18%
66214
6.46%
38944
34.41%
419
1.83%
3169
3.10%
28888
5.17%
36212
36.35%
4144
0.57%
2571
1.84%
2667
4.15%
66.83
9.71%
16.56
2.60%
0.07
0.02%
0.01
0.00%
280.14
8.19%
172.98
5.25%
44.50
25.30%
2.30
6.37%
9.61
6.98%
87.19
8.32%
75.89
35.26%
10.72
0.70%
3.75
0.87%
15.13
11.67%
Policies Premium
Brokers
29009
17.12%
12463
6.09%
5492
4.43%
15954
13.08%
234927
24.47%
103571
10.10%
4086
3.61%
6044
26.33%
25410
24.82%
12747
2.28%
17685
17.75%
24152
3.31%
27603
19.71%
38697
60.18%
45.53
6.61%
26.30
4.13%
4.74
1.61%
22.39
7.12%
251.95
7.37%
197.89
6.01%
19.36
11.00%
8.16
22.60%
26.86
19.51%
20.08
1.92%
41.57
19.31%
61.75
4.06%
37.54
8.72%
57.77
44.54%
Policies Premium
Direct Selling
Referrals
169479
100.00%
204602
100.00%
123846
100.00%
121950
100.00%
959958
100.00%
1025739
100.00%
113182
100.00%
22955
100.00%
102384
100.00%
73343
100.00%
558602
100.00%
99622
100.00%
730554
100.00%
140073
100.00%
64303
100.00%
688.51
100.00%
637.38
100.00%
293.88
100.00%
314.71
100.00%
3420.87
100.00%
3294.26
100.00%
175.90
100.00%
36.09
100.00%
137.62
100.00%
355.13
100.00%
1048.41
100.00%
215.23
100.00%
1522.70
100.00%
430.31
100.00%
129.71
100.00%
271
0.16%
6944
3.39%
291
0.26%
1119
1.09%
2889
0.52%
150
0.11%
118
0.18%
0.33
0.05%
13.36
2.10%
0.22
0.12%
1.24
0.90%
2.53
0.24%
0.22
0.05%
1.90
1.46%
Total Individual
New Business
STATEMENT 5
404596
53.06%
63870
98.49%
514502
57.90%
30635
19.99%
4237
2.78%
109474
72.65%
3294942
44.53%
36075878 40199.05
98.15% 95.86%
39370820 48257.36
89.17% 77.53%
RELIANCE LIFE
SAHARA
SBI LIFE
SHRIRAM
STAR UNION
TATA AIA
126
PRIVATE TOTAL
LIC #
INDUSTRY TOTAL
1323.68
3.16%
8749.28
43.08%
28.94
8.67%
548.79
98.97%
0.13
0.04%
1228.43
43.86%
442.10
60.36%
817.96
47.66%
2452767 10072.96
5.55% 16.18%
499468
1.36%
1953299
26.40%
14108
9.36%
148290
97.22%
114
0.07%
350735
39.47%
127788
60.32%
196777
39.02%
Policies Premium
Banks
1093960
2.48%
74635
0.20%
1019325
13.78%
3723
2.47%
80125
52.30%
8876
1.00%
978
1.51%
194925
25.56%
5981
2.82%
69663
13.82%
1288.68
2.07%
61.23
0.15%
1227.45
6.04%
8.88
2.66%
123.61
42.68%
18.02
0.64%
0.61
0.99%
259.33
23.21%
4.05
0.55%
171.04
9.97%
Policies Premium
Others*
Corporate Agents
427151
0.97%
2266
0.01%
424885
5.74%
21261
14.11%
6344
4.14%
11610
1.31%
79669
10.45%
201
0.09%
3245
0.64%
1033.15
1.66%
7.98
0.02%
1025.17
5.05%
55.77
16.70%
14.01
4.84%
46.20
1.65%
115.84
10.37%
1.29
0.18%
6.38
0.37%
Policies Premium
Brokers
809926
1.83%
103204
0.28%
706722
9.55%
2117
1.40%
35997
23.49%
2947
0.33%
83342
10.93%
6055
2.86%
18424
3.65%
Referrals
7399173
100.00%
150683
100.00%
152527
100.00%
153215
100.00%
888670
100.00%
64848
100.00%
762532
100.00%
211856
100.00%
504250
100.00%
1588.71 44154624
2.55% 100.00%
62240.88
100.00%
41933.77
100.00%
20307.10
100.00%
333.88
100.00%
554.53
100.00%
289.63
100.00%
2800.92
100.00%
61.42
100.00%
1117.24
100.00%
732.48
100.00%
1716.28
100.00%
12168
0.03%
12168
0.16%
-40
-0.02%
426
0.08%
20.87
0.03%
20.87
0.10%
0.27
0.04%
0.82
0.05%
Total Individual
New Business
341.83 36755451
0.82% 100.00%
1246.88
6.14%
18.91
5.66%
59.15
20.42%
32.77
1.17%
118.18
10.58%
67.88
9.27%
128.11
7.46%
Policies Premium
Direct Selling
Note: 1) First row across each insurer shows the absolute figures whereas second row shows percentage to total individual new business of each insurer procured through the
respective channels.
2) New business premium includes first year premium and single premium.
3) The leads obtained through referral arrangements have been included in the respective channels. .
* Any entity other than banks but licensed as a corporate agent.
# Does not include its overseas new business premium.
8058.31
39.68%
221.38
66.31%
5.74
1.03%
92.73
32.02%
1475.51
52.68%
60.82
99.01%
623.89
55.84%
217.16
29.65%
71831
33.91%
PNB METLIFE
592.79
34.54%
216141
42.86%
Policies Premium
Individual Agents
MAX LIFE
Insurer
Contd... STATEMENT 5
127
8
3.64%
ICICI PRUDENTIAL
6
2.93%
29.27
2.86%
0.80
0.06%
4.55
0.40%
9.70
15.03%
0.17
1.54%
17.83
2.26%
8.10
0.55%
0.28
0.11%
Corporate Agents
Others*
Brokers
Direct Selling
Referrals
8176
0.59%
7333
0.55%
5952
0.32%
7148
10.06%
1939
4.78%
23536
2.95%
80106
0.51%
1308
0.20%
45939
24.29%
305928
16.34%
58849
31.84%
3365
0.42%
75465
0.48%
147
0.02%
497.79 1060561
48.69% 76.47%
28.91
95.02%
81.08
7.10%
26.82
10.66%
10.30
1.31%
334.64
22.84%
0.28
0.11%
0.82
154
- 100.00% 100.00%
6
2.93%
2
18.18%
5
1.09%
20
29.85%
4
0.99%
6
0.88%
1
0.49%
2
0.91%
2
0.50%
17
2.49%
89373
13.81%
15.10
1.48%
0.38
0.03%
3.43
0.30%
14.65
1.86%
2813
0.20%
3762
0.28%
20356
1.09%
130415
16.34%
157.90 4568275
10.78% 28.89%
0.76
0.30%
1
0.49%
4
36.36%
30
13.64%
75
16.30%
19
40.43%
26
25.24%
2
2.99%
208
51.49%
94
13.76%
38
29.01%
0.16
0.02%
0.34
1.13%
4.40
0.32%
7.11
0.62%
4.74
7.35%
1.41
12.57%
2.01
0.80%
64.11
8.13%
8.43
0.58%
1.87
0.73%
434
63.54%
91
69.47%
526504
131 257.09
81.37% 100.00% 100.00%
647033
100.00%
956.12 10964352
683 1465.20 15814444
65.26% 69.33% 100.00% 100.00% 100.00%
253.90
98.76%
45
67.16%
155
38.37%
222.81
88.54%
681.49
86.44%
125929
67 251.64
68.12% 100.00% 100.00%
419592
404 788.38
52.57% 100.00% 100.00%
184855
100.00%
798229
100.00%
1380
0.10%
42720
22.59%
28651
2.14%
84481
4.51%
24341
34.26%
7662
18.87%
191
93.17%
5
45.45%
180
81.82%
375
81.52%
19
40.43%
71
68.93%
39560
47
64.53
55.68% 100.00% 100.00%
31004
103
11.24
76.36% 100.00% 100.00%
480.14
46.96%
1.17
3.86%
1386855
100.00%
189089
100.00%
1338704
100.00%
1872088
100.00%
71049
100.00%
40605
100.00%
0.82
154
- 100.00% 100.00%
313925
205 1022.47
22.64% 100.00% 100.00%
100430
11
30.42
53.11% 100.00% 100.00%
1382.38 1298958
220 1387.96
99.60% 97.03% 100.00% 100.00%
1045.64 1455371
460 1141.81
91.58% 77.74% 100.00% 100.00%
50.08
77.61%
9.66
85.90%
34
0.97 107257
34
0.97 107257
- 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
77
0.04%
221321
27.73%
15
33.39
39921
15
33.39
39921
- 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
126246
0.80%
29701
4.59%
3
6.19
20797
3.00
6.19
20797
- 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives
covered
covered
covered
covered
covered
covered
covered
Banks
ING LIFE
INDIA FIRST
5
1.09%
HDFC STANDARD
IDBI FEDERAL
9
19.15%
FUTURE GENERALI
DLF PRAMERICA
6
5.83%
CANARA HSBC
EDELWEISS TOKIO
35
8.66%
BIRLA SUNLIFE
132
19.33%
BAJAJ ALLIANZ
BHARTI AXA
2
1.53%
Schemes Premium
Individual Agents
AVIVA
AEGON RELIGARE
Insurer
STATEMENT 6
26
11.98%
SBI LIFE
128
308
5.97%
7126
27.21%
7434
23.71%
PRIVATE TOTAL
LIC
INDUSTRY TOTAL
332
1.27%
515
1.64%
1076.99 11395944
3.12% 26.09%
1503.21 11626637
3.34% 14.88%
14
29.17%
1
1.27%
104
47.93%
7
3.00%
14
1.51%
183
3.55%
7629
1.85%
723
0.06%
45804
4.35%
9918
1.32%
31121
1.18%
426.22 230693
4.08% 0.67%
3.51
1.55%
0.04
0.03%
346.32
14.54%
4.17
3.87%
1.50
0.82%
Corporate Agents
Others*
Brokers
Direct Selling
Referrals
21085
2.80%
45058
1.71%
31
0.00%
4800
1.16%
58658
0.13%
2081.28 2698080
4.63% 3.45%
5.61
0.02%
2075.67 2639422
19.88% 7.67%
2.84
1.25%
44.90 265078
23.60% 54.06%
855.09 752962
35.90% 71.50%
48.28
44.87%
143.91
78.61%
328
1.05%
294
1.12%
34
0.66%
6
7.59%
6
2.76%
121481
29.44%
512987
39.66%
5009
0.48%
1832
0.24%
825159
1.89%
364.42 6281462
0.81%
8.04%
4.59
0.01%
359.83 5456303
3.45% 15.85%
42.73
18.88%
118.00
90.06%
6.35
0.27%
0.52
0.48%
1500
4.78%
27
0.10%
1473
28.55%
9
7.20%
5
10.42%
45
56.96%
23
10.60%
44
12.02%
116
49.79%
434
46.67%
300
38.76%
17972
4.36%
745
0.15%
456906
35.33%
8296
0.79%
8316
0.02%
254.77 2296292
0.57%
2.94%
5.88
0.02%
322
87.98%
97
41.63%
443
47.63%
474
61.24%
496862
233 107.60 753094
65.98% 100.00% 100.00% 100.00%
256.31 1160484
366 259.33 1237981
98.84% 93.74% 100.00% 100.00% 100.00%
35.47
32.97%
31.95 2391324
930 183.06 2631683
17.46% 90.87% 100.00% 100.00% 100.00%
389.13 3275524
774 499.60 4047927
77.89% 80.92% 100.00% 100.00% 100.00%
260783
125 226.28 412665
63.19% 100.00% 100.00% 100.00%
224473
48 190.26 490296
45.78% 100.00% 100.00% 100.00%
322780
79 131.03 1293427
24.96% 100.00% 100.00% 100.00%
241096
217 2381.96 1053167
22.89% 100.00% 100.00% 100.00%
7330.63 23817312
5159 10441.24 34431706
70.21% 69.17% 100.00% 100.00% 100.00%
174.44
77.09%
144.56
75.98%
5.58
4.26%
1169.22
49.09%
3161
61.27%
100
80.00%
29
60.42%
16
20.25%
58
26.73%
4
0.01
386
4
0.01
386
100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
77497
6.26%
223397
29.66%
164180
6.24%
772403
19.08%
248.89 2287976
2.38%
6.64%
2.77
1.23%
0.80
0.42%
7.41
5.65%
4.98
0.21%
3.02
1.16%
19.15
17.80%
5.70
3.11%
110.46
22.11%
792
0.0010%
792
0.0023%
792
0.11%
Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives Schemes Premium Lives
covered
covered
covered
covered
covered
covered
covered
Banks
16
12.80%
TATA AIA
STAR UNION
11
13.92%
SAHARA
SHRIRAM
13
5.58%
PNB METLIFE
RELIANCE LIFE
39
4.19%
Schemes Premium
Individual Agents
MAX LIFE
KOTAK MAHINDRA
Insurer
Contd... STATEMENT 6
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
COMPANY TOTAL
4.99
2.16
0.20
1.87
0.44
8.43
1.63
0.78
0.36
1.05
6.91
2.42
2.98
43.75
3.34
7.93
1.81
0.59
9.40
8.67
0.65
5.64
3.91
9.79
129.71
455
5757
64303
129
614
75
5
9807
92
140073
9148
230
2144
3341
1398
435
7245
6952
313
560
2692
8578
2251
4919
25341
34
63
33
72
4898
5928
12956
117
9312
999
8075
1194
10252
1.93
0.26
0.01
50.90
0.44
430.31
27.29
2.26
7.04
7.35
2.51
2.36
24.48
31.36
0.92
1.22
6.26
28.14
9.19
7.88
66.92
0.23
0.43
0.21
0.34
14.78
18.42
14.92
0.47
34.98
2.26
22.85
1.95
39.74
No. of Premium
policies
No. of Premium
policies
1469
635
36
832
176
2359
1300
415
520
-39
1814
721
1032
37454
1531
2179
590
155
2673
-200
-64
2503
Aviva
Aegon Religare
1154
161
0
10573
10
1096
730554
38835
196
27371
94896
9554
1066
33816
19037
6790
8987
30181
21194
20439
22798
56337
9312
456
517
77
54510
19619
19729
594
41482
7592
84159
15726
71377
913
4.08
0.58
44.47
0.07
1.27
1522.70
85.40
0.66
49.55
128.57
25.23
4.91
88.82
33.19
17.73
23.06
54.05
50.83
73.14
47.31
175.54
11.03
1.26
5.18
0.32
97.10
60.11
38.45
3.27
76.76
9.20
143.76
28.11
138.81
0.86
No. of Premium
policies
Bajaj Allianz
1920
5078
99622
7281
1977
1887
2113
183
5322
2396
407
293
3094
6429
3365
2995
21338
3377
3247
2994
7351
9773
1208
5594
5.64
15.84
215.23
15.48
3.09
2.98
3.17
0.42
13.41
4.75
0.66
0.60
5.55
19.19
5.79
4.74
40.36
5.62
7.55
5.38
16.30
23.03
2.77
12.91
No. of Premium
policies
Bharti AXA
2836
16252
375
558602
31496
197
32764
41456
23354
2148
21486
11823
2821
1106
15972
20843
10544
23955
86732
2892
2189
150
1051
25538
12241
18163
263
42076
611
71892
3165
32211
10.63
89.56
1.37
1048.41
58.22
0.58
25.26
52.28
15.02
5.95
55.13
30.63
5.53
3.14
23.51
59.12
27.79
34.92
207.22
1.47
4.89
0.33
3.62
29.80
25.86
36.45
0.55
59.11
0.90
94.18
7.33
78.05
No. of Premium
policies
Birla Sunlife
416
45
8
3308
1
37
73343
4251
86
1093
1858
489
370
1074
6258
304
1
958
10196
2535
1672
4278
1
83
50
26
1368
9661
3550
61
6390
213
8671
1012
3011
8
3.00
0.24
0.03
28.75
0.01
0.16
355.13
20.32
0.55
4.45
9.50
1.80
2.29
7.59
25.23
0.85
0.04
4.19
41.81
10.16
6.03
53.47
0.00
0.60
0.290
0.07
4.53
32.75
10.55
0.26
30.61
0.92
28.96
2.93
22.06
0.10
No. of Premium
policies
Canara HSBC
703
8
3
2289
102384
1519
510
9078
3124
564
343
2773
3839
1687
567
1335
1967
200
1513
7883
56
34
2
42
7366
8936
1806
39
1408
1631
9034
903
31185
37
2.10
0.01
0.00
7.05
137.62
2.90
0.54
8.16
2.87
0.67
0.43
6.74
8.21
3.03
0.85
1.51
3.12
0.37
1.75
10.59
0.07
0.03
0.00
0.04
6.70
26.58
2.81
0.07
1.81
1.32
11.44
1.49
24.30
0.04
No. of Premium
policies
DLF Pramerica
(Premium in ` Crore)
STATEMENT 7
130
1.49
2.24
875
1506
22955
COMPANY TOTAL
36.09
0.49
0.24
0.61
6.62
1.89
0.20
0.47
0.21
14.49
0.32
2.69
3.25
0.88
113182
917
4446
6445
860
18832
1317
11
2064
1798
216
251
2824
4046
2796
1842
16046
2339
1733
4455
8336
18419
39
13150
12543
30718
1451
52632
154
12705
10021
7913
4938
64095
61929
2598
6666
7970
106037
34684
111275
220939
1138
608
227
20248
38813
30368
1296
57094
4125
66967
4400
51187
3294.26
63.86
194.67
4.75
202.82
0.47
39.49
28.35
19.48
21.15
243.89
284.24
7.40
26.81
26.50
210.33
126.70
73.83
710.26
2.55
2.48
0.81
57.79
173.91
82.43
8.50
238.77
12.57
221.59
14.50
193.38
No. of Premium
policies
HDFC Standard
175.90 1025739
2.16
8.74
11.97
1.00
21.04
1.66
0.02
3.74
3.17
0.48
0.90
5.35
6.53
7.67
3.64
25.62
5.11
3.81
5.26
9.83
30.30
0.08
17.81
No. of Premium
policies
No. of Premium
policies
836
319
389
4124
1449
270
499
136
7522
433
1752
2355
490
Future Generali
Edelweiss Tokio
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman &
Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
959958
4958
50934
1295
61848
74
38984
27383
6236
1721
46723
17019
15422
3912
13034
102275
24715
18394
118599
14538
307
302
54
17590
19534
43990
194
55584
1251
185042
20200
47845
1
3420.87
31.04
308.63
7.14
209.62
0.46
38.01
79.54
30.57
12.33
247.80
92.24
19.05
12.30
52.06
204.43
143.34
72.08
707.72
6.90
1.27
2.39
1.07
71.30
115.81
130.65
0.69
261.13
4.93
289.88
26.55
239.92
0.00
No. of Premium
policies
ICICI Prudential
121950
418
72
42
5176
1
115
7091
134
1802
4485
3059
659
6247
2863
953
92
2862
6621
17986
8647
18933
259
145
60
210
3319
2773
3538
53
6885
113
7755
1087
7485
10
314.71
1.43
0.23
0.08
18.93
0.00
0.27
12.65
0.47
4.30
9.68
5.11
1.87
15.82
7.05
0.94
0.23
7.73
15.46
73.91
9.54
44.46
0.58
0.32
0.14
0.69
7.09
6.72
7.86
0.17
14.46
0.67
18.05
2.64
25.14
0.01
No. of Premium
policies
IDBI Federal
123846
83
85
50
2054
2
26
22590
33
1107
2366
846
548
22803
1409
206
12
896
2632
1044
3054
9560
158
73
14
80
3366
1559
15540
6
2777
76
23486
2222
2611
472
293.88
0.43
0.38
0.18
7.09
0.02
0.21
44.30
0.05
2.10
4.43
2.39
3.38
71.34
3.91
0.45
0.01
2.60
5.49
2.89
7.56
33.13
0.59
0.13
0.02
0.60
9.67
3.82
25.60
0.03
6.67
0.18
40.52
3.92
8.57
1.21
No. of Premium
policies
India First
204602
636
29
5
6491
19
423
40557
4
1462
1091
772
913
10296
3801
811
1226
1005
32547
9312
3661
12081
14
11
1
11
9108
6230
8710
29589
16
14833
2776
6160
1
637.38
2.47
0.07
0.01
21.03
0.11
0.82
122.67
0.02
3.14
2.19
2.31
3.34
29.15
11.00
1.49
2.61
2.23
106.50
28.72
6.19
48.78
0.03
0.05
0.01
0.01
18.15
14.39
13.14
109.83
0.04
28.17
6.61
52.12
0.00
No. of Premium
policies
ING Life
(Premium in ` Crore)
Contd... STATEMENT 7
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
COMPANY TOTAL
22.74
11.75
0.72
3.06
4.88
118.92
24.54
0.96
8.90
37.73
13.84
12.98
185.98
5.27
19.04
9.71
36.23
26.21
1.13
36.07
1.09
0.27
105.56
0.92
688.51
511
119
14280
261
169479
131
2966
79
117
35796
686
504250
35595
172
6594
9339
7941
5478
41857
34194
2837
2673
6588
23456
13182
15095
81303
1462
292
39
389
15491
17768
20926
447
34516
552
38279
6754
41142
245
10.81
0.23
0.48
154.66
2.44
1716.28
112.12
1.32
25.38
27.69
20.77
16.16
141.21
137.02
6.30
7.11
19.15
90.12
42.04
42.10
283.57
4.68
2.28
0.44
5.15
43.42
61.21
56.45
2.59
120.61
2.20
106.66
21.22
147.77
0.92
No. of Premium
policies
No. of Premium
policies
6805
2851
212
884
526
19164
12620
351
3269
7450
9075
3716
35697
8760
5514
4488
11405
7240
284
13997
Max Life
Kotak Mahindra
1861
1
9935
49
211856
9553
6
2530
7404
1630
360
4719
8799
4092
26180
2191
16189
7579
6546
8460
2
6
1
5595
11706
5969
2
6693
42
50143
1489
12123
1
9.18
49.69
0.17
732.48
25.03
0.03
7.13
26.47
5.32
1.29
17.32
36.94
17.82
55.33
7.34
58.63
32.71
14.32
46.72
0.00
0.00
12.84
51.38
17.11
0.00
21.24
0.11
162.55
9.18
46.65
No. of Premium
policies
PNB MetLife
1653
27344
312
762532
65099
294
18417
53638
5939
1270
45187
14562
6674
3930
18586
30438
9915
30636
50683
725
388
82
21849
11201
22801
236
31497
4092
95195
12040
177849
5.10
69.20
0.73
1117.24
85.35
0.70
27.02
54.59
12.84
5.34
91.13
30.57
11.41
7.56
26.78
43.52
22.25
47.00
106.81
1.17
2.98
0.40
23.55
21.76
30.93
0.41
54.01
4.61
117.17
18.73
193.60
No. of Premium
policies
Reliance Life
511
765
64848
2418
727
15103
368
2607
936
3119
1150
2008
2321
1766
150
8297
526
18409
505
3162
0.41
0.77
61.42
1.87
0.66
13.16
0.55
2.71
0.68
2.82
0.55
1.90
0.96
1.98
0.16
6.50
0.46
21.18
0.57
3.54
No. of Premium
policies
Sahara
2004
52
100
18661
3
1413
888670
100894
4296
41082
39187
26549
2860
33428
24132
10793
5134
23086
43391
39796
61251
78855
2534
3431
1355
3058
45014
27113
61873
743
53461
2427
73426
11883
44798
590
6.87
0.23
0.62
73.26
0.51
5.03
2800.92
339.47
9.36
68.84
90.73
65.72
11.31
151.21
79.07
44.80
11.40
66.61
156.33
140.89
166.72
311.02
4.36
9.92
2.42
5.94
111.16
97.11
151.38
3.13
181.32
5.19
240.96
39.60
146.49
1.97
No. of Premium
policies
SBI Life
105
1
21
2017
1
1049
153215
62336
18
1555
1684
146
1993
1587
543
46
1144
9519
1889
4714
5929
1
1
3
1283
1274
2147
8
47336
19
3448
338
1060
0.19
0.00
0.06
4.74
0.00
1.32
289.63
141.08
0.06
1.40
3.25
1.77
3.91
2.42
0.90
0.09
1.65
14.42
2.58
8.46
19.12
0.00
0.01
1.75
2.89
2.92
0.006
66.43
0.03
5.75
0.59
1.84
No. of Premium
policies
Shriram
(Premium in ` Crore)
Contd... STATEMENT 7
132
152527
8365
8
3341
9312
1349
357
8053
1928
383
135
15284
3110
2198
19715
28485
4
71
6
7
5085
2701
2483
27
6953
81
21558
845
7625
3
348
9
17
2485
196
No. of
policies
554.53
24.11
0.02
5.90
22.14
7.01
2.53
40.45
10.70
2.03
0.35
41.61
11.85
7.95
54.25
116.37
0.00
0.32
0.01
0.05
15.10
16.08
10.31
0.17
27.65
0.47
75.05
3.30
28.69
0.01
1.54
0.04
0.07
27.58
0.85
Premium
Star Union
COMPANY TOTAL
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
150683
6005
7146
3887
2092
373
8689
7677
517
5282
12618
4822
829
24541
27
4781
651
7496
10283
1225
9757
304
22307
675
8699
No. of
policies
Tata AIA
333.88
14.58
13.21
7.58
3.90
1.13
18.96
17.13
1.51
9.18
9.05
16.63
1.69
73.12
0.05
0.01
9.00
1.47
4.36
34.11
2.81
14.68
1.22
51.49
0.93
26.08
Premium
7399173
583068
6394
214688
350732
106883
25270
396124
248308
58782
62642
161603
472999
219184
350267
959317
31267
9052
3525
5390
264615
212283
302869
4241
473627
25065
827716
88310
609124
2281
39162
735
369
274371
37
8876
No. of
policies
20307.10
1585.45
17.51
347.71
593.68
234.20
103.90
1408.79
877.57
144.09
154.94
376.82
1180.54
791.19
627.87
3325.98
29.94
25.29
16.92
19.12
555.39
771.42
664.99
20.90
1411.74
48.42
1734.86
195.08
1515.46
5.12
170.31
2.54
1.53
1319.24
0.73
27.88
Premium
36755451
3056198
9134
812655
2354467
760636
122940
2002761
503113
378535
193071
806790
2594730
1704556
1579836
4045577
27437
11925
2637
15806
1283855
807675
1815014
14827
2709320
100578
4068404
491490
3143952
7180
181000
2092
8457
1087722
167
50915
No. of
policies
LIC #
41933.77
3147.40
14.31
1056.28
1605.16
324.01
201.94
2907.66
478.68
376.17
278.16
714.63
2631.68
1777.90
1833.28
7630.88
49.01
45.78
7.32
29.63
944.79
743.46
1681.24
18.16
2893.65
91.83
3768.40
480.15
3780.12
12.31
342.93
1.29
6.71
2011.27
0.11
47.47
Premium
44154624
3639267
15529
1027343
2705199
867518
148210
2398885
751421
437316
255713
968392
3067729
1923739
1930102
5004894
58703
20977
6162
21196
1548469
1019958
2117883
19068
3182948
125643
4896119
579800
3753076
9461
220163
2827
8826
1362092
204
59791
No. of
policies
62240.88
4732.85
31.82
1403.99
2198.84
558.21
305.84
4316.45
1356.25
520.26
433.10
1091.45
3812.22
2569.09
2461.15
10956.86
78.95
71.07
24.24
48.75
1500.18
1514.88
2346.23
39.06
4305.39
140.25
5503.26
675.23
5295.59
17.43
513.24
3.83
8.24
3330.51
0.84
75.36
Premium
(Premium in ` Crore)
Contd... STATEMENT 7
133
COMPANY TOTAL
6.19
6.19
No. of Premium
schemes
Aegon Religare
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
20797
20797
Lives
131
38
29
8
6
13
1
28
257.09
27.33
7.97
12.23
9.08
4.93
0.00
192.41
2.40
0.74
No. of Premium
schemes
Aviva
647033
60538
385056
11287
14878
13429
50
145123
4837
11831
Lives
683
58
32
7
11
10
2
41
29
1
3
105
6
9
214
15
10
9
25
53
5
34
1823
94
1028180
6
804
4604212
25
149313
4311
35535
1957
157097
370017
895
5352
7114
3570584
9142
94412
596755
78
102
1
82
99327
24029
84873
118
2775887
728
1723944
3347
464092
208
Lives
1465.20 15814444
2.42
0.25
0.00
164.30
0.00
0.30
70.31
0.08
18.56
12.37
8.95
2.14
66.87
53.29
1.04
4.56
4.16
91.69
15.87
45.89
503.68
0.07
0.32
0.00
0.11
10.50
41.34
29.43
0.03
54.36
0.28
118.23
18.11
125.44
0.26
No. of Premium
schemes
Bajaj Allianz
15
33.39
3.93
0.72
0.69
7.20
1.69
0.18
1.01
12.89
0.35
1.26
1.05
0.00
1.43
0.99
No. of Premium
schemes
Bharti AXA
39921
398
137
313
20814
275
42
890
15722
24
125
571
527
83
Lives
(Premium in ` Crore)
STATEMENT 8
134
0.01
0.09
0.00
69.93
3
2
25
404
COMPANY TOTAL
788.38
40.35
3.97
0.01
0.02
0.08
24.80
63.45
0.00
0.002
0.01
119.31
0.41
1.07
380.41
0.01
0.88
0.07
2.28
0.000
21.12
0.00
6.10
0.00
54.00
17
3
1
32
37
84
2
4
100
1
21
1
8
23
28
11
No. of Premium
schemes
Birla Sunlife
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
State / Union
Territory
798229
1557
2193
26735
65994
8079
61
1549
117
16287
93866
471
10
77
277869
1969
1616
177360
3071
20086
2075
10048
56786
23367
61
6925
Lives
67
2
6
28
1
16
251.64
94.87
0.76
7.98
0.01
53.48
0.00
86.32
0.10
5.00
0.00
0.69
2.44
No. of Premium
schemes
Canara HSBC
184855
11566
57
12820
66959
52
63598
22
19
26830
34
2898
Lives
34
20
0.97
0.49
0.08
0.38
0.02
No. of Premium
schemes
DLF Pramerica
107257
46520
18831
38764
3142
Lives
103
12
7
17
1
25
2
28
11.24
0.20
0.06
0.04
0.98
0.02
0.00
0.12
9.08
0.01
0.00
0.69
0.03
No. of Premium
schemes
Edelweiss Tokio
40605
754
216
789
10555
150
1434
6751
11664
5012
36
2621
623
Lives
(Premium in ` Crore)
Contd... STATEMENT 8
Future Generali
135
44.32
11
47
COMPANY TOTAL
64.53
4.58
15.62
20
16
No. of Premium
schemes
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
State / Union
Territory
71049
14824
31967
24258
Lives
460
32
18
3
13
41
4
56
144
13
3
3
67
35
8
17
1141.81
0.03
82.74
12.09
9.37
1.20
3.22
43.29
91.96
27.78
114.19
627.68
2.00
2.81
0.77
12.04
0.00
15.13
11.86
0.04
83.62
No. of Premium
schemes
Lives
1872088
26493
60282
16156
115
15466
125549
19063
71562
1262644
618
15957
793
5300
114204
57863
3998
76025
HDFC Standard
220
66
1
1
30
79
22
12
1387.96
119.42
7.34
0.08
0.13
1.62
4.40
42.49
1173.34
10.38
0.31
23.05
1.00
4.42
No. of Premium
schemes
246365
22921
70
76
131904
588031
242
3
190388
6
158698
Lives
1338704
ICICI Prudential
11
1
9
30.42
0.15
0.13
0.02
3.43
0.26
26.17
0.13
0.15
0.00
No. of Premium
schemes
IDBI Federal
189089
28931
12860
4743
48089
40739
31256
18757
3671
43
Lives
(Premium in ` Crore)
Contd... STATEMENT 8
136
0.06
9.07
10
205
COMPANY TOTAL
1022.47
211.52
10.60
0.26
264.90
4.42
0.56
0.00
0.01
11.73
0.13
2.18
227.75
2.00
0.15
0.02
18.28
236.70
8.72
1.89
11.53
25
6
11
17
4
2
10
6
17
44
3
4
16
13
2
11
1386855
177
13388
851178
4184
31810
31059
2540
325
151
2140
988
2729
369450
573
3725
279
5240
12890
1831
1874
50324
0.82
0.82
No. of Premium
schemes
No. of Premium
schemes
Lives
ING Life
India First
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
154
154
Lives
774
60
50
2
39
85
1
217
9
3
207
1
10
32
35
22
499.60
0.01
14.70
7.97
0.15
0.00
4.15
11.02
0.07
91.71
11.49
0.00
272.32
0.05
0.00
5.58
52.79
5.59
0.00
22.01
No. of Premium
schemes
Lives
4047927
66
205501
139156
12356
118
222478
75078
4850
615136
435729
315
1777447
10688
298
7135
374941
100862
-7
65780
Kotak Mahindra
930
110
135
23
101
119
2
2
328
1
5
2
60
30
2
6
183.06
0.01
3.00
13.83
0.57
12.51
1.84
0.01
0.05
149.86
0.00
0.04
0.69
0.17
0.18
0.29
No. of Premium
schemes
Max Life
2631683
416
30647
2120093
29682
56081
35891
791
1130
317281
-53
812
115
27475
9202
1502
618
Lives
(Premium in ` Crore)
Contd... STATEMENT 8
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
COMPANY TOTAL
4.43
0.00
0.00
0.16
0.00
0.00
1.34
0.96
0.00
5.38
0.00
83.56
0.19
0.15
8.03
0.00
0.01
0.25
0.00
0.22
2.09
0.13
0.00
0.70
107.60
60
47
17
18
1
53
1
2
10
14
233
No. of Premium
schemes
PNB MetLife
137
227
26721
753094
67159
2
8
2373
19
410
115236
32985
592
11557
172
77948
2864
7873
342045
-16
5
-9908
4474
37078
32653
617
Lives
57
366
18
24
31
136
2
1
1
83
11
37.06
259.33
5.64
0.01
0.00
10.27
0.00
11.80
167.62
0.04
0.00
5.00
15.03
6.85
No. of Premium
schemes
Reliance Life
158071
1237981
402151
200
10
218481
39
14086
194431
314
27
100
226051
24020
Lives
0.01
0.00
0.01
No. of Premium
schemes
Sahara
386
111
275
Lives
13
1
217
18
7
8
4
4
8
6
3
3
8
27
8
8
11
1
6
10
8
2
12
2
10
12
13
2.35
0.07
0.17
407.55
0.00
0.34
2381.96
284.83
1.27
62.23
20.79
12.40
1.72
126.76
25.78
2.33
1.38
13.00
396.09
83.52
20.51
282.70
0.53
2.04
1.55
0.84
16.06
14.19
23.23
2.46
291.65
0.99
68.88
60.41
153.10
0.22
No. of Premium
schemes
SBI Life
1176
58
229
105202
50
1129
1053167
129981
582
31079
92263
30466
4723
88615
6151
4246
5570
19117
70263
17150
36759
101337
1323
2921
1046
1124
54534
22269
18432
1420
43510
5352
100086
13159
41687
157
Lives
(Premium in ` Crore)
Contd... STATEMENT 8
18
55
79
COMPANY TOTAL
No. of
schemes
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
138
131.03
0.39
5.02
117.67
7.87
0.07
Premium
Shriram
1293427
11061
306025
507481
465567
3293
Lives
48
12
1
8
1
No. of
schemes
190.26
0.60
23.58
1.00
0.01
2.00
11.03
0.08
3.01
139.86
0.00
2.53
0.12
6.46
Premium
Star Union
490296
8519
13438
142
1928
27473
1198
385604
918
45444
266
5366
Lives
125
33
1
61
14
14
No. of
schemes
226.28
7.34
0.74
0.90
3.66
0.05
6.34
7.19
0.42
0.03
1.09
35.55
2.15
4.47
98.18
0.50
0.06
1.69
3.74
5.96
0.01
7.59
0.05
8.74
1.22
15.59
0.74
0.01
0.01
12.18
0.00
0.11
Premium
Tata AIA
412665
16295
1749
2205
9848
141
21402
7055
1024
89
3413
52203
5057
9440
118926
752
372
4806
6182
12867
32
52040
127
9319
1472
48908
313
23
9
26371
1
224
Lives
(Premium in ` Crore)
Contd... STATEMENT 8
139
5159
COMPANY TOTAL
10441.24
675.87
1.35
105.56
34.63
26.92
7.33
594.85
294.00
4.36
11.35
48.13
1081.55
117.53
78.73
4497.79
1.11
6.42
1.55
0.95
32.64
72.07
108.31
2.49
732.92
1.31
232.05
82.85
481.25
0.48
5.57
0.50
0.17
1097.90
0.01
0.75
Premium
445
0
25
32
18
12
271
350
4
3
19
820
67
48
1493
1
3
0
1
63
38
61
2
410
2
231
29
162
0
13
3
0
531
0
2
No. of
schemes
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
34431706
8930931
609
210768
145389
77841
7581
975118
807651
7553
22578
54138
5345216
569611
203902
7051210
5224
4570
1047
1206
214447
47227
168888
1570
4493219
6207
2069136
25412
956465
365
5285
2611
465
2016051
57
2157
Lives
26191
1969
2
1384
767
442
83
777
130
471
104
407
1967
1338
1988
2387
5
18
8
0
962
262
1083
5
2587
81
1802
403
3862
0
286
0
0
478
0
133
No. of
schemes
34553.83
1937.37
0.22
185.74
39.89
367.07
39.57
746.95
39.24
33.43
98.38
1470.86
4844.52
950.04
741.50
14247.72
0.38
4.54
1.49
0.00
364.90
96.06
449.93
0.40
1513.71
22.91
489.25
189.92
1777.29
0.00
231.09
0.00
0.00
3657.86
0.00
11.62
Premium
LIC #
43684970
7367145
3521
284437
375808
2650216
31229
603034
46152
57112
55708
195898
3241355
1004731
2541015
5057506
13700
3186
2374
6474
940541
216897
2398629
719
3649727
34629
1947292
91251
10089466
37
132833
30
10
622326
29
19953
Lives
31350
2414
2
1409
799
460
95
1048
480
475
107
426
2787
1405
2036
3880
6
21
8
1
1025
300
1144
7
2997
83
2033
432
4024
0
299
3
0
1009
0
135
No. of
schemes
44995.07
2613.24
1.57
291.29
74.52
393.99
46.90
1341.79
333.24
37.78
109.73
1518.99
5926.07
1067.57
820.23
18745.51
1.49
10.96
3.04
0.95
397.54
168.13
558.24
2.89
2246.63
24.22
721.30
272.76
2258.54
0.48
236.65
0.50
0.17
4755.76
0.01
12.37
Premium
Lives
78116676
16298076
4130
495205
521197
2728057
38810
1578152
853803
64665
78286
250036
8586571
1574342
2744917
12108716
18924
7756
3421
7680
1154988
264124
2567517
2289
8142946
40836
4016428
116663
11045931
402
138118
2641
475
2638377
86
22110
(Premium in ` Crore)
Contd... STATEMENT 8
140
Note: 1.
2.
3.
4.
5.
6.
1.71
0.41
1.50
1.78
1.51
1.18
1.23
1.21
2.68
1.49
1.49
1.63
2.54
1.62
1.23
0.87
0.53
1.55
0.63
1.28
1.84
1.89
2.39
1.81
1.29
1.76
1.66
1.42
1.92
6.95
2.86
0.67
1.56
1.56
0.67
1.62
1.99
0.89
1.66
1.34
1.11
2.88
1.67
1.53
1.85
3.62
1.62
1.64
1.43
0.86
1.40
0.54
1.48
2.05
1.74
2.35
2.36
1.65
1.79
1.48
1.77
1.63
6.33
2.47
1.15
1.73
1.15
0.46
1.34
1.57
0.60
1.44
1.27
0.70
1.66
1.03
1.40
1.37
2.01
1.29
1.45
0.94
0.66
1.32
0.50
1.11
1.35
1.17
1.10
1.32
1.19
1.35
1.09
1.68
1.41
4.93
2.22
1.09
1.31
1.17
0.55
1.45
1.70
0.72
1.48
1.23
0.66
1.99
1.23
1.45
1.40
2.00
1.39
1.46
1.31
0.67
0.92
0.69
1.27
1.29
1.27
0.63
1.26
1.45
1.45
1.25
1.92
1.71
4.08
2.08
0.76
1.34
1.04
0.44
1.23
1.20
0.64
1.29
1.06
0.62
1.56
1.07
1.17
1.17
1.72
1.23
1.21
1.20
0.62
0.62
0.48
1.04
1.08
0.96
0.65
1.12
1.36
1.28
1.15
1.66
0.73
3.54
1.74
0.94
1.14
0.77
0.53
0.96
0.90
0.43
0.88
0.77
0.41
0.79
0.69
0.85
0.87
0.88
0.83
0.90
0.70
0.39
0.39
0.85
0.69
0.60
0.57
0.44
0.73
0.58
0.85
0.76
1.11
0.60
2.03
1.10
0.53
0.78
0.63
0.27
0.98
0.71
0.35
NA
NA
0.39
0.72
0.59
0.67
0.73
NA
0.68
0.80
0.67
0.39
NA
0.37
0.58
0.52
NA
0.39
0.58
0.63
0.71
0.62
0.85
0.34
NA
0.91
0.44
0.66
641.5
135.2
336.4
193.1
438.2
1387.9
631.3
672.0
1254.9
439.7
334.0
651.8
1199.9
354.5
689.1
226.1
172.9
516.3
228.9
331.3
900.3
520.2
900.2
836.7
411.5
325.0
660.9
434.4
1324.4
8755.2
2541.9
505.9
552.6
703.6
257.2
393.3
238.5
302.2
2293.6
781.0
710.7
1495.0
538.9
422.7
868.5
1936.9
387.0
1063.0
402.9
312.8
529.7
217.9
481.4
1184.4
535.4
1011.1
1218.4
560.5
369.2
721.4
613.4
1318.6
8732.3
2511.4
938.8
700.7
599.3
203.8
366.3
229.9
243.5
2574.9
817.5
535.4
1042.6
371.0
395.3
724.6
1237.0
371.6
1016.9
285.6
278.1
584.6
239.9
409.7
881.4
416.5
603.4
769.5
457.2
316.4
639.7
652.8
1319.0
7518.4
2659.8
949.6
603.5
672.7
308.3
460.7
278.3
292.9
3008.8
906.1
607.8
1432.3
493.2
459.0
794.4
1400.9
453.3
1143.7
435.2
299.3
457.7
366.3
504.2
940.9
511.2
647.4
860.8
627.0
394.7
908.6
860.8
1875.0
7073.5
2830.5
786.2
700.3
709.2
292.2
449.1
241.6
299.5
2995.0
946.9
656.7
1297.3
505.7
459.8
800.2
1397.4
448.9
1135.4
434.0
308.7
351.3
277.1
487.9
893.6
490.1
802.9
923.7
659.3
391.8
972.1
850.4
843.8
6966.6
2769.8
1013.7
698.8
596.1
415.4
387.5
213.8
235.1
2161.9
783.8
489.5
733.8
358.8
364.3
653.0
833.7
352.2
955.8
284.2
213.4
245.5
526.2
357.2
554.7
343.8
618.6
676.1
311.8
289.8
708.7
645.3
749.0
4526.5
2044.4
607.5
535.1
559.6
229.9
449.9
211.2
218.5
2096.9
714.2
535.0
757.9
345.3
330.9
624.0
769.0
338.9
975.0
307.1
239.6
220.9
246.4
357.4
546.0
342.3
639.7
596.8
381.7
275.4
669.5
580.2
458.0
4862.8
1983.9
603.8
514.0
2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13
STATEMENT 9
The premium data pertains only to the individual business of life insurers.
It does not cover any renewal premium of life and also any non-life insurance business.
State wise data on Gross Domestic Product (Current Prices) has been taken from Ministry of Statistics and Programme Implementation, Government of India.
The State wise population data has been taken from Census 2001 and Census 2011 and simple interpolations have been used for intermediate years.
Insurance Penetration and Insurance Density have been computed based on the above approaches.
N. A.: Not Available.
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar
Chandigarh
Delhi
Puducherry
All India
33.46
102.33
116.71
624.64
139.66
942.46
30.23
72.08
5.59
344.34
BIRLA SUN
CANARA HSBC
DLF PRAMERICA
EDELWEISS TOKIO
FUTURE GENERALI
141
271273.62
45868.44
39549.12
6319.32
144.30
102.64
140.11
734.27
69.27
761.74
179.46
506.43
163.73
123.82
29284.75
25143.01
4141.74
158.77
35.58
60.86
214.32
37.33
589.68
85.44
267.80
75.11
127.52
4.03
34.61
521.84
448.88
107.78
5.99
37.07
9.52
656.26
93.98
469.94
30.75
68.68
Deletions**
287857.32
270251.35
17605.97
807.29
153.95
247.05
1724.94
228.70
2327.00
410.42
2265.36
473.07
743.44
41.88
267.94
1502.33
1938.43
353.27
22.43
137.33
54.17
769.19
192.60
2507.15
121.27
316.76
Business in
force as at
31.03.2013
255845.25
TOTAL
821.75
TATA AIA
LIC
86.89
167.80
SHRIRAM
PRIVATE TOTAL
196.76
1204.99
2154.94
RELIANCE
SBI LIFE
316.40
PNB METLIFE
SAHARA INDIA
2026.73
MAX LIFE
213.58
657.38
384.45
ING LIFE
7.71
INDIA FIRST
KOTAK MAHINDRA
38.20
178.72
IDBI FEDERAL
730.72
1762.67
1293.45
HDFC STANDARD
ICICI PRUDENTIAL
22.84
482.99
146.92
693.79
2283.29
BAJAJ ALLIANZ
BHARTI AXA
56.52
130.85
Additions*
95.51
254.58
Business in
force as at
01.04.2012
Life Business
AEGON RELIGARE
AVIVA
Insurer
2954.32
2450.58
503.74
19.42
0.26
0.02
161.18
0.39
7.71
0.90
5.68
6.63
131.33
0.00
0.92
59.42
88.48
6.27
0.00
0.00
0.00
1.48
0.53
8.68
0.54
3.90
Business in
force as at
01.04.2012
290.06
266.78
23.28
0.18
0.12
0.01
5.87
0.00
0.99
0.00
2.65
0.31
1.04
0.00
0.06
5.51
4.13
0.02
0.00
0.00
0.00
0.06
0.00
1.87
0.00
0.46
Additions*
357.89
303.94
53.95
0.85
0.01
0.00
18.48
0.02
0.23
0.10
3.27
0.75
11.79
0.00
0.02
2.81
13.49
0.55
0.00
0.00
0.00
0.52
0.29
0.50
0.21
0.06
Deletions**
2886.48
2413.45
473.03
18.75
0.37
0.03
148.57
0.37
8.48
0.80
5.07
6.12
120.57
0.00
0.95
62.13
79.12
5.75
0.00
0.00
0.00
1.02
0.24
10.06
0.33
4.30
Business in
force as at
31.03.2013
577.53
356.93
220.60
23.50
0.00
0.00
13.59
0.00
35.34
0.62
18.56
0.00
0.00
0.02
0.68
37.64
6.05
0.00
0.00
0.00
0.00
5.05
17.09
53.95
6.22
2.29
Business in
force as at
31.03.2013
Non-linked
Health
Business
44335.13
21253.01
23082.12
823.73
226.87
156.67
2718.44
118.35
2470.61
537.50
1261.46
643.70
354.78
291.78
113.71
3853.88
2015.99
147.87
0.99
32.70
232.15
1719.62
202.58
4650.63
70.20
437.91
Business in
force as at
31.03.2013
Linked
Business #
Linked
Health
Business
455.67
279.39
176.28
12.98
0.00
0.00
0.00
0.00
23.49
0.00
0.00
0.00
0.00
7.74
0.00
121.20
0.00
0.00
0.00
0.00
0.00
10.87
0.00
0.00
0.00
0.00
336112.11
294554.13
41557.98
1686.25
381.19
403.75
4605.54
347.42
4864.91
949.34
3550.45
1122.89
1218.79
341.43
383.29
5577.18
4039.59
506.89
23.42
170.03
286.32
2505.75
412.51
7221.79
198.02
761.25
Total
Business in
force as at
31.03.2013
(Policies in '000)
STATEMENT 10
Business in
force as at
31.03.2013
48128.04
HDFC STANDARD
142
60429.87
14662.59
30271.87
MAX LIFE
PNB METLIFE
RELIANCE
3304615.73
TOTAL
894144.53
576648.33
317496.18
6192.96
3017.02
5341.91
37625.70
1019.37
15156.75
8501.42
23648.98
13976.25
7725.51
1373.18
5640.13
27876.78
44993.02
3591.78
2768.65
2033.73
1462.37
24144.78
8263.21
19775.70
28957.12
24409.86
Additions*
356336.89
245049.26
111287.63
3827.83
566.91
1816.10
8414.76
714.40
10692.74
4780.14
11405.78
5288.62
3021.14
214.70
1966.98
8875.53
7010.95
4533.68
352.71
885.74
312.64
12945.27
2338.88
11474.00
6812.21
3035.92
3842423.38
3119331.37
723092.01
24201.76
4377.13
8977.70
81456.85
3106.46
34735.88
18383.87
72673.06
41034.56
18324.21
1806.99
18257.01
77661.57
86110.12
12245.58
3554.74
2928.48
2997.52
44165.86
10448.95
54302.83
60902.19
40438.69
49260.04
42494.32
6765.72
449.46
21.17
0.20
374.98
11.12
0.00
39.49
115.35
266.07
850.36
0.00
0.00
1562.16
2682.73
1.54
0.00
0.00
0.00
1.87
44.68
257.50
71.66
15.38
15245.69
14266.41
979.28
25.41
9.22
0.15
278.14
0.07
0.00
0.09
49.18
7.70
302.27
0.00
0.00
165.59
84.38
0.00
0.00
0.00
0.00
1.10
0.00
26.95
28.98
0.05
Additions*
Non-Linked
Linked
Health
Business #
business
Linked
Health
Business
8276.68
5161.50
3115.19
17.55
0.91
0.04
112.63
0.97
0.00
9.45
59.53
31.40
65.14
0.00
0.00
74.74
2688.25
0.03
0.00
0.00
0.00
0.23
30.60
17.31
1.27
5.14
56229.05
51599.23
4629.82
457.32
29.48
0.32
540.49
10.22
0.00
30.12
105.00
242.38
1087.49
0.00
0.00
1653.01
78.86
1.51
0.00
0.00
0.00
2.74
14.08
267.14
99.37
10.29
19591.16
6701.06
12890.11
1127.68
0.00
0.00
499.52
0.00
775.53
5.17
361.11
0.00
0.00
0.69
0.11
6748.67
276.00
0.00
0.00
0.00
0.00
638.31
605.17
1188.36
289.80
373.99
782205.59
91702.34
690503.25
27322.21
6026.04
3.45
60631.97
1635.17
29521.85
31487.71
38752.61
21459.49
8292.92
7515.34
3043.40
88330.61
94281.53
3468.25
56.77
924.63
17447.62
101364.57
5396.68
119072.04
20474.80
3993.59
19383.49
10782.67
8600.82
1490.48
0.00
0.00
0.00
0.00
436.81
0.00
0.00
0.00
0.00
139.36
0.00
5447.17
0.00
0.00
0.00
0.00
0.00
1087.00
0.00
0.00
0.00
0.00
Life Business
2787732.30
LIC
21836.64
516883.44
1927.02
PRIVATE TOTAL
5451.89
SHRIRAM
TATA AIA
52245.91
SBI LIFE
2801.48
32346.92
KOTAK MAHINDRA
SAHARA INDIA
13619.83
648.51
ING LIFE
INDIA FIRST
14583.85
13187.48
FUTURE GENERALI
IDBI FEDERAL
1138.80
EDELWEISS TOKIO
58660.31
1780.50
DLF PRAMERICA
ICICI PRUDENTIAL
1847.79
CANARA HSBC
4524.62
32966.36
46001.13
BAJAJ ALLIANZ
BIRLA SUN
38757.27
BHARTI AXA
19064.76
AVIVA
Business in
force as at
01.04.2012
AEGON RELIGARE
Insurer
4719832.67
3280116.66
1439715.99
54599.46
10432.66
8981.47
143128.83
4751.84
65470.07
49906.87
111891.78
62736.42
27704.62
9462.38
21300.52
179841.02
180746.51
15715.33
3611.51
3853.11
20445.14
147258.48
16464.88
174830.38
81766.16
44816.55
Total
Business in
force as at
31.03.2013
(` Crore)
STATEMENT 11
143
294.60
2200.27
324.00
197.42
5267.15
143.95
2668.82
1589.44
4739.36
1589.68
1104.16
373.66
459.55
8729.62
6886.61
437.86
7.50
96.79
1305.43
3379.79
495.60
3904.80
1453.27
2760.43
1068.80
618.07
10450.03
205.38
4045.39
2429.52
6638.70
2777.78
1742.36
1690.08
804.68
13538.24
11322.68
678.29
54.83
236.79
1912.15
5216.30
744.52
6892.70
2140.67
430.50
46297.98
76611.50
132192.08
208803.58
8319.38
40.13
8279.25
174.07
110.99
8.56
969.82
0.34
191.14
183.29
153.09
251.23
42.89
195.25
3.81
2555.77
1948.02
14.63
2.91
11.75
242.52
786.47
56.71
205.21
125.18
45.60
Total Regular
30313.52
560.16
744.80
420.65
5182.88
61.43
1376.57
840.08
1899.34
1188.10
638.20
1316.42
345.14
4808.62
4436.07
240.43
47.33
140.01
606.72
1836.51
248.92
2987.90
687.40
135.90
145.61
364.26
231.14
2564.71
26.08
188.17
195.69
370.00
438.75
137.96
1038.13
76.86
624.49
1322.99
26.46
9.85
3.58
11.60
26.31
33.73
1015.86
13.97
6.26
Single
Total Premium
GRAND TOTAL
LIC
21877.15
414.55
TATA AIA
PRIVATE TOTAL
380.54
1188.40
RELIANCE
189.51
644.39
PNB METLIFE
SHRIRAM LIFE
1529.35
MAX LIFE
35.35
749.35
KOTAK MAHINDRA
2618.18
500.25
ING LIFE
SBI LIFE
278.29
INDIA FIRST
SAHARA
268.27
IDBI FEDERAL
37.48
EDELWEISS TOKIO
4184.13
136.42
DLF PRAMERICA
ICICI PRUDENTIAL
595.12
CANARA HSBC
213.97
1810.20
BIRLA SUNLIFE
3113.08
215.19
BHARTI AXA
HDFC STANDARD
1972.04
BAJAJ ALLIANZ
FUTURE GENERALI
129.64
673.43
AVIVA
Regular
AEGON RELIGARE
Insurer
205.32
302.21
120.60
1295.81
10.42
333.71
365.77
186.80
498.17
52.46
268.78
59.82
2634.51
2430.35
40.01
10.96
13.71
242.53
798.05
57.01
566.05
132.90
51.34
1,226.34
267.73
102.74
3646.19
45.13
1354.08
963.02
2160.50
1148.87
321.00
367.27
207.94
7027.64
4890.32
153.36
1.34
48.24
1211.10
2890.70
410.99
1849.30
1120.63
207.45
1431.66
569.94
223.34
4942.00
55.54
1687.79
1328.79
2347.31
1647.04
373.45
636.05
267.76
9662.15
7320.67
193.37
12.30
61.96
1453.63
3688.75
468.00
2415.36
1253.54
258.79
240.48
269.54
180.95
1648.36
35.01
997.27
461.10
1376.26
498.12
457.36
83.04
264.46
1628.35
1165.07
199.34
34.57
124.67
352.60
1023.73
158.48
1766.84
548.25
84.05
Total Regular
191.96
6338.40
6530.35
30273.39
354.84
442.59
300.05
3887.07
51.02
1042.86
474.30
1712.54
689.93
585.75
1047.64
285.32
2174.10
2005.72
200.42
36.37
126.29
364.19
1038.46
191.91
2421.85
554.50
84.56
973.93
56.27
94.69
1620.96
98.82
1314.75
626.42
2578.86
440.81
783.16
6.40
251.60
1701.98
1996.29
284.50
6.16
48.54
94.33
489.09
84.61
2055.50
332.64
87.15
1328.77
498.86
394.73
5508.03
149.84
2357.60
1100.72
4291.40
1130.74
1368.91
1054.03
536.92
3876.09
4002.00
484.92
42.53
174.84
458.51
1527.55
276.52
4477.34
887.14
171.71
Total
46146.15
76419.54
125853.68
202273.23
114.36
173.04
119.09
2238.72
16.00
45.59
13.20
336.28
191.81
128.39
964.59
20.86
545.75
840.65
1.08
1.80
1.62
11.59
14.73
33.43
655.01
6.24
0.52
Single
Non-Linked Premium
(Premium in ` Crore)
151.83
31.25
191.22
112.04
325.99
10.08
142.58
182.48
33.72
246.94
9.56
73.53
56.00
78.74
482.34
25.38
8.05
1.96
0.01
11.58
0.30
360.85
7.72
5.74
Single
Linked Premium
STATEMENT 12
144
42.07
2192.80
150.57
411.68
732.36
SAHARA
SBI LIFE
SHRIRAM LIFE
TATA AIA
939.55
964.77
390.99
6531.32
71.14
1809.29
1076.97
1901.72
1164.27
638.14
982.31
311.01
4441.09
3857.47
345.03
10.88
103.16
687.10
1926.17
224.59
2717.31
801.86
207.65
2690.75
307.18
253.17
6602.42
154.81
3688.33
1600.53
4488.82
1773.16
1041.84
315.62
425.69
9580.48
6344.93
434.55
0.00
63.86
1173.98
3959.19
549.56
4766.49
1614.01
249.67
Renewal
3630.30
1271.95
644.16
13133.74
225.95
5497.62
2677.50
6390.53
2937.43
1679.98
1297.93
736.70
14021.58
10202.40
779.58
10.88
167.01
1861.08
5885.36
774.16
7483.80
2415.87
457.32
Total
41667.71
81862.25
121027.03
202889.28
40194.54
GRAND TOTAL
LIC
207.19
553.09
240.42
4338.52
29.07
372.89
338.83
350.42
503.52
34.04
240.27
95.95
796.17
1162.55
49.21
0.34
9.78
3.97
82.71
28.46
865.67
45.58
21.36
Total Premium
1436.40
RELIANCE
PRIVATE TOTAL
738.14
PNB METLIFE
3644.92
ICICI PRUDENTIAL
1551.29
2694.92
HDFC STANDARD
MAX LIFE
295.82
FUTURE GENERALI
660.75
10.55
EDELWEISS TOKIO
KOTAK MAHINDRA
93.38
DLF PRAMERICA
604.10
683.13
CANARA HSBC
ING LIFE
1843.46
BIRLA SUNLIFE
215.06
196.13
BHARTI AXA
742.05
1851.64
BAJAJ ALLIANZ
INDIA FIRST
756.28
AVIVA
IDBI FEDERAL
186.29
Regular
AEGON RELIGARE
Insurer
8836.42
464.95
8371.47
256.37
175.14
10.19
1027.17
2.20
372.39
181.54
190.88
258.42
28.74
173.49
17.93
2062.60
1553.20
32.56
2.46
16.01
386.48
1099.71
92.70
171.94
180.55
78.80
Regular
381.58
530.15
171.32
2283.89
28.46
708.28
497.98
260.96
629.26
60.02
380.72
101.61
2300.77
2051.13
78.22
2.46
25.79
386.55
1163.69
93.79
841.38
221.35
99.08
1,748.58
266.26
206.77
5403.39
74.44
2713.24
1148.92
2713.17
1535.54
503.24
315.18
306.47
8662.29
5068.63
225.29
0.00
50.85
1142.33
3747.70
508.63
3452.02
1459.32
198.06
Renewal
2130.16
796.41
378.09
7687.28
102.90
3421.52
1646.89
2974.13
2164.80
563.26
695.90
408.08
10963.06
7119.76
303.51
2.46
76.65
1528.88
4911.39
602.42
4293.41
1680.66
297.15
Total
475.99
236.53
140.38
1165.63
39.87
1064.01
556.60
1360.42
402.34
575.36
568.56
197.13
1582.32
1141.72
263.26
8.09
77.36
296.65
743.75
103.43
1679.70
575.72
107.50
Regular
4107.39
10793.76
14901.15
39729.58
557.97
434.62
219.68
4247.43
42.68
1101.02
578.99
1640.76
535.01
578.12
601.59
209.40
2140.32
1806.34
266.80
8.42
77.36
300.55
762.47
130.80
1875.92
580.51
108.57
942.17
40.91
46.40
1199.03
80.37
975.08
451.61
1775.65
237.62
538.60
0.44
119.23
918.20
1276.30
209.27
0.00
13.00
31.65
211.49
40.93
1314.47
154.70
51.61
Renewal
1500.14
475.53
266.07
5446.46
123.06
2076.10
1030.60
3416.41
772.63
1116.73
602.03
328.62
3058.52
3082.65
476.07
8.42
90.37
332.20
973.97
171.73
3190.39
735.20
160.18
Total
38025.27
77754.85
110233.27
187988.13
81.98
198.09
79.29
3081.79
2.81
37.01
22.39
280.34
132.67
2.77
33.04
12.27
558.00
664.62
3.54
0.34
0.00
3.90
18.72
27.38
196.22
4.78
1.07
Non-Linked Premium
(Premium in ` Crore)
3642.44
125.21
355.01
161.13
1256.72
26.26
335.89
316.44
70.08
370.85
31.28
207.23
83.68
238.16
497.93
45.66
0.00
9.78
0.07
63.99
1.09
669.44
40.80
20.29
Linked Premium
Contd... STATEMENT 12
145
4.43
237.31
SAHARA
SBI LIFE
TOTAL
LIC
PRIVATE TOTAL
1734.17
360.81
1373.36
37.07
67.01
RELIANCE
TATA AIA
44.41
PNB METLIFE
8.72
73.83
MAX LIFE
30.49
37.68
KOTAK MAHINDRA
10.66
ING LIFE
SHRIRAM LIFE
7.39
23.75
ICICI PRUDENTIAL
INDIA FIRST
247.00
HDFC STANDARD
IDBI FEDERAL
5.82
226.09
FUTURE GENERALI
1.50
0.14
EDELWEISS TOKIO
62.42
CANARA HSBC
DLF PRAMERICA
7.60
179.03
34.50
BAJAJ ALLIANZ
BIRLA SUNLIFE
22.81
AVIVA
3.67
Commission
AEGON RELIGARE
Insurer
2.49
2.42
2.51
1.74
3.83
2.31
3.09
4.31
1.96
2.70
2.48
1.74
1.89
3.41
1.81
2.25
3.18
1.92
5.71
1.96
4.08
3.65
1.26
0.80
1.36
1.24
13674.82
3089.75
104.21
20.88
40.88
281.05
17.77
331.02
74.04
520.74
74.44
121.80
3.62
56.53
358.47
351.54
81.67
1.45
16.59
20.64
146.37
20.40
353.77
70.78
21.12
9.37 16764.57
2.57
30.77
26.24
59.35
17.58
45.78
19.98
16.84
37.49
12.42
33.61
8.05
86.77
11.57
40.80
39.14
6.65
8.84
8.31
75.15
55.02
27.15
8.89
24.37
14.81
% to ULIP
% to Total Commission
Premium Commission
ULIP
Total
7.71
7.27
10.50
6.95
4.39
15.36
5.16
14.44
15.94
7.18
15.24
9.63
10.91
0.60
17.20
11.72
11.40
17.15
17.20
18.36
6.21
15.03
11.88
11.09
9.63
13.18
14035.63
4463.11
141.28
51.37
49.60
518.36
22.20
398.03
118.44
594.57
112.12
132.46
27.37
63.92
605.47
577.64
87.49
1.59
18.09
83.06
325.40
28.00
388.27
93.58
24.79
90.63 18498.74
97.43
69.23
73.76
40.65
82.42
54.22
80.02
83.16
62.51
87.58
66.39
91.95
13.23
88.43
59.20
60.86
93.35
91.16
91.69
24.85
44.98
72.85
91.11
75.63
85.19
6.44
6.92
5.30
3.89
4.04
7.70
3.95
9.83
7.24
4.42
9.30
3.82
7.88
2.11
8.68
4.32
5.66
11.22
14.60
10.83
4.46
5.53
3.62
5.19
3.87
5.42
1193.87
152.95
1040.92
10.19
19.15
4.33
148.95
2.08
28.67
30.34
51.15
21.63
4.41
20.28
4.61
243.36
303.17
1.60
0.19
1.13
26.20
133.25
3.40
-35.08
16.05
1.88
% to
% to Total
Total
% to Total Commission
Traditional Commission Commission Commission
Premium
to Total
Premium
Traditional
2011-12
2.44
2.34
2.46
0.71
3.36
1.94
3.01
3.74
1.70
2.28
2.18
1.31
1.18
3.19
1.72
2.52
4.14
0.83
1.58
1.82
1.80
3.61
0.73
-1.45
1.28
0.73
14615.03
3409.19
93.35
39.19
43.32
362.46
16.72
297.49
91.65
562.89
95.79
113.18
10.28
83.47
522.06
336.22
57.16
7.27
29.40
28.83
167.22
32.10
315.50
89.25
14.39
6.21 18024.23
1.04
23.39
9.84
32.83
9.08
29.13
11.05
8.79
24.87
8.33
18.42
3.75
66.36
5.24
31.79
47.42
2.72
2.60
3.69
47.61
44.35
9.57
-12.51
15.24
11.55
Total
(Commission in ` Crore)
STATEMENT 13
7.56
7.23
9.44
7.03
7.86
10.97
6.58
11.16
12.62
8.33
13.12
8.47
8.27
0.98
15.55
13.47
8.40
11.79
17.10
16.81
6.29
10.95
11.61
7.05
10.06
8.38
14767.98
4450.12
103.54
58.34
47.65
511.41
18.80
326.16
121.99
614.03
117.41
117.59
30.55
88.09
765.42
639.40
58.76
7.47
30.52
55.02
300.48
35.50
280.42
105.30
16.26
93.79 19218.10
98.96
76.61
90.16
67.17
90.92
70.87
88.95
91.21
75.13
91.67
81.58
96.25
33.64
94.76
68.21
52.58
97.28
97.40
96.31
52.39
55.65
90.43
112.51
84.76
88.45
6.69
7.07
5.68
3.75
5.46
7.71
4.89
9.15
8.06
5.02
9.25
4.23
6.75
1.81
10.95
5.65
5.65
8.66
13.62
12.89
2.88
5.76
4.77
4.07
4.92
3.78
% to
% to Total
Total
% to Total
Traditional Commission Commission Commission
Premium
to Total
Premium
Traditional
2012-13
% to ULIP
% to Total Commission
Premium Commission
ULIP
Claims
intimated /
booked
Total Claims
146
20
845
14
31
20
137
96
10
47
31
0
AVIVA
BAJAJ ALLIANZ
BHARTI AXA
BIRLA SUNLIFE
CANARA HSBC
DLF PRAMERICA
EDELWEISS TOKIO
FUTURE GENERALI
HDFC STANDARD
ICICI PRUDENTIAL
IDBI FEDERAL
INDIA FIRST
0.00
2.08
2.64
1.21
4.26
4.27
0.76
2.04
2.08
26.23
2.86
0.37
916
656
14901
6243
1845
22
477
577
9840
1032
26437
2413
418
22.94
26.18
319.83
162.71
34.45
3.22
13.70
24.21
319.78
22.92
417.30
113.50
20.13
116.35
100%
20.51
100%
24.99
100%
38.71
100%
3.22
100%
17.97
100%
24.96
100%
100%
916
100%
687
100%
22.94
100%
28.26
100%
14948 322.47
100% 100%
100%
6253 163.92
1941
100%
22
100%
614
100%
597
100%
9871 321.82
100% 100%
1046
100%
27282 443.54
100% 100%
2433
100%
422
100%
654
71.40%
550
80.06%
14393
96.29%
95.76%
5988
1369
70.53%
10
45.45%
166
27.04%
528
88.44%
8149
82.55%
936
89.48%
24192
88.67%
2134
87.71%
282
66.82%
No. of
Policies
Claims
repudiated
101
5.80
9.66% 23.20%
1979 62.73
7.25% 14.14%
58
9.72%
2.18
8.75%
164
543
3.63%
2.62%
10.19
27.63
8.57%
6.22%
14.24
241
7.06
62.09% 26.31% 30.79%
20.39
111
6.17
72.13% 16.16% 21.82%
292.50
90.71%
87.80%
143.92
22.83
502 12.03
58.98% 25.86% 31.08%
0.51
9
2.48
15.73% 40.91% 77.13%
4.12
121
3.32
22.91% 19.71% 18.48%
21.78
87.23%
224.21
1278 64.72
69.67% 12.95% 20.11%
17.90
71.61%
349.25
78.74%
79.97
291 35.18
68.73% 11.96% 30.23%
11.81
140
8.70
57.60% 33.18% 42.40%
2.00
0.33%
1.30
5.19%
31.55
7.11%
11
1.84%
1.00
4.01%
21
2.29%
26
3.78%
12
0.08%
1.62%
101
70
3.61%
3
13.64%
9.81
1.63
7.12%
1.71
6.05%
2.34
0.73%
5.98%
57
5.13%
41
9.23%
28
6.31%
19
90.48%
25
96.15%
10
83.33%
96.04%
97
2
9.52%
1
8.33%
2.97%
57
11
81.43% 15.71%
139
78
90
42.77% 24.00% 27.69%
6
2
2
54.55% 18.18% 18.18%
350
78.83%
8
1
88.89% 11.11%
1054
94.87%
1
3.85%
1
8.33%
0.99%
2
2.86%
18
5.54%
1
9.09%
25
5.63%
0.23
3
7.14% 100.00%
3.85
9.95%
STATEMENT 14
21
100%
26
100%
12
100%
100%
101
70
100%
3
100%
325
100%
11
100%
444
100%
9
100%
1111
100%
8
100%
Total
1.21
8
1.04% 100.00%
444
32.89
4.50% 10.22%
9
0.86%
1111
4.07%
8
0.33%
0.02
325
10.52
0.09% 52.93% 58.52%
Claims paid
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
Claims pending
at start of the
period
AEGON RELIGARE
Insurer
Claims
intimated /
booked
147
158
297
55
29
SBI LIFE
SHRIRAM LIFE
TATA AIA
4855
683
1305
13268
785
20502
2218
8908
2979
3159
125.26
15.29
34.99
230.08
7.24
253.42
81.48
223.89
82.53
47.69
4884
100%
738
100%
1602
100%
13426
100%
955
100%
21412
100%
2405
100%
9051
100%
3089
100%
3312
100%
512 26.05
5.66% 11.23%
186 14.31
6.02% 15.84%
496
3.69%
64
6.70%
6.30
2.68%
0.74
8.57%
1545 43.66
7.22% 15.74%
20
2.71%
0.37
2.15%
18485
2.10%
8440
1.12%
568.42
5.53%
161.68
2.14%
10045 406.74
7.85% 14.93%
127.80
4125
95.82
592 23.32
100% 84.46% 74.98% 12.12% 18.24%
17.18
662
13.75
100% 89.70% 80.06%
42.11
1079
21.42
442 16.55
100% 67.35% 50.87% 27.59% 39.31%
8.63
809
7.18
100% 84.71% 83.20%
92.20
2017
67.77
317 17.38
100% 83.87% 73.50% 13.18% 18.85%
231.90
8531 205.08
100% 94.25% 88.43%
90.35
2843
71.63
100% 92.04% 79.28%
51.76
2780
35.85
333
9.86
100% 83.94% 69.27% 10.05% 19.05%
2.54
1.89
7.12
5.58
1.39
23.95
10.72
8.01
7.82
4.07
Claims
repudiated
801
0.09%
762
0.10%
39
0.03%
13
1.36%
4
0.17%
20
0.60%
18.62
0.18%
18.04
0.24%
0.58
0.02%
0.09
1.04%
0.07
0.08%
0.40
0.78%
12267
1.40%
7829
1.04%
4438
3.47%
167
3.42%
29
2.14%
3
4.48%
4.14
58
9.82% 71.60%
11.84
170
5.02% 66.93%
5
6.17%
17
6.69%
0.62
44
25
7.18% 63.77% 36.23%
25.84
1213
9.32% 89.45%
6.98
64
7.57% 95.52%
0.77
7
1
0.33% 87.50% 12.50%
234
5.27%
191
4.30%
318.24
6808
1552
1884
2023
3.10% 55.50% 12.65% 15.36% 16.49%
148.25
3136
1211
1650
1832
1.96% 40.06% 15.47% 21.08% 23.40%
341
7.68%
2
16
2.47% 19.75%
8.66
130 19.00
18
6.78% 77.84% 11.38% 10.78%
169.99
3672
6.24% 82.74%
59
4.35%
24
43
9.45% 16.93%
55
4.06%
4.41
22
6
8
24
4.88% 36.67% 10.00% 13.33% 40.00%
56
3.06
42
7
7
7.59% 17.80% 75.00% 12.50% 12.50%
81
5.06%
254
1.89%
69
7.23%
1356
6.33%
67
2.79%
8
0.09%
60
1.94%
12267
100%
7829
100%
4438
100%
167
100%
56
100%
81
100%
254
100%
69
100%
1356
100%
67
100%
8
100%
60
100%
179
100%
Total
179
5.64
146
33
5.40% 10.90% 81.56% 18.44%
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
12323
170
SAHARA
INDUSTRY TOTAL
910
RELIANCE
8856
187
PNB METLIFE
LIC
143
MAX LIFE
3467
110
KOTAK MAHINDRA
PRIVATE TOTAL
153
Claims paid
Contd...STATEMENT 14
Total Claims
Claims pending
at start of the
period
ING LIFE
Insurer
148
5
3
1
ICICI PRUDENTIAL
IDBI FEDERAL
INDIA FIRST
0.20
0.21
0.96
16.95
0.01
0.48
1.58
Benefit
Amount
2600
844
3645
1529
118
22
46
159
1538
74
46871
2406
29.85
3.25
70.64
20.57
16.76
2.41
0.06
1.14
61.87
1.98
218.62
19.57
0.11
No. of Benefit
Lives Amount
Claims
intimated /
booked
2601
100%
847
100%
3650
100%
1529
100%
12542
100%
22
100%
46
100%
160
100%
1538
100%
75
100%
46924
100%
2406
100%
4
100%
No. of
Lives
30.05
100%
3.46
100%
71.60
100%
20.57
100%
33.71
100%
2.41
100%
0.06
100%
1.15
100%
61.87
100%
2.47
100%
220.20
100%
19.57
100%
2440
93.81%
778
91.85%
3593
98.44%
1526
99.80%
107
0.85%
21
95.45%
34.00
73.91%
154
96.25%
1530
99.48%
70
93.33%
45922
97.86%
2389
99.29%
Claims
repudiated
12.07
5.48%
1.58
8.06%
0.19
5.60%
6.65
9.29%
0.08
0.40%
0.03
2.82%
0.17
0.28%
25.22
149
3.80
83.93% 5.73% 12.65%
2.86
66
82.62% 7.79%
63.19
49
88.25% 1.34%
20.49
3
99.60% 0.20%
15.21
45.12%
2.41
99.79%
0.04
66.89%
1.00
4
87.22% 2.50%
61.13
2
98.81% 0.13%
1.52
5
0.95
61.68% 6.67% 38.32%
197.32
518
89.61% 1.10%
17.99
17
91.94% 0.71%
Claims paid
0.11
4
0.11
100% 100.00% 100.00%
No. of Benefit
Lives Amount
Total Claims
No. of
Lives
Benefit
Amount
1.76
2.46%
12
0.46%
1.03
3.43%
4
0.03%
9
2
75.00% 16.67%
4
1
50.00% 12.50%
3
0.41
3
0.35% 11.77% 100.00%
8
0.22%
20
0.16%
0.00
1
0.21% 100.00%
12435
18.50
99.15% 54.88%
1
4.55%
13
2.69%
4
2
66.67% 33.33%
471
97.31%
0.11
2
9.95% 100.00%
0.56
0.91%
10.82
4.91%
> 12
months
1
100%
12
100%
2
100%
6
100%
484
100%
1
8.33%
3
37.50%
12
100%
3
100%
8
100%
7 12404 12435
0.06% 99.75% 100%
Total
STATEMENT 15
12
0.02
12
26.09% 33.11% 100.00%
2
1.25%
6
0.39%
484
1.03%
No. of Benefit
Lives Amount
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
HDFC STANDARD
12424
CANARA HSBC
FUTURE GENERALI
BIRLA SUNLIFE
BHARTI AXA
EDELWEISS TOKIO
53
BAJAJ ALLIANZ
AVIVA
DLF PRAMERICA
No. of
Lives
Claims pending
at start of the
period
AEGON RELIGARE
Insurer
149
13640
873
1692
729
3746
11403
4647
2197
13975
8705
250
33.07
6.95
58.98
230.66
0.01
28.31
56.78
47.85
98.22
3.11
Benefit
Amount
1711
100%
737
100%
3746
100%
11499
100%
3
100%
4648
100%
2206
100%
14027
100%
8783
100%
266
100%
No. of
Lives
4641
99.85%
2115
95.87%
13898
99.08%
8690
98.94%
258
96.99%
No. of
Lives
28.07
99.06%
57.29
98.72%
46.71
95.90%
96.05
95.01%
2.99
92.50%
Benefit
Amount
Claims paid
11187
97.29%
222.18
94.99%
33.76
100%
7.08
100%
349669
95.69%
244350
99.54%
105319
87.79%
1516
88.60%
697
94.57%
2646.45
96.25%
1697.37
99.31%
949.08
91.23%
22.20
65.75%
6.13
86.57%
58.98
3746
58.98
100% 100.00% 100.00%
233.90
100%
0.01
3
0.01
100% 100.00% 100.00%
28.34
100%
58.03
100%
48.70
100%
101.10
100%
3.23
100%
Benefit
Amount
Total Claims
0.69
0.13
3.24
0.02
1.25
0.85
2.88
0.12
No. of
Lives
Claims
intimated /
booked
0.49
6.97%
9.59
4.10%
0.27
0.94%
0.67
1.15%
1.76
3.61%
3.82
3.77%
0.23
7.13%
1430
0.39%
16
0.01%
1414
1.18%
46.95
1.71%
0.38
0.02%
46.57
4.48%
59
4.22
3.45% 12.51%
7
0.95%
247
2.15%
7
0.15%
83
3.76%
122
0.87%
71
0.81%
5
1.88%
No. of Benefit
Lives Amount
Claims
repudiated
7
0.00%
1
0.00%
1
0.05%
0.03
0.00%
0.02
0.46
33
6.46% 100.00%
2.13
43
8
0.91% 66.15% 12.31%
0.06
7
0.10% 100.00%
0.24
6
1
0.49% 85.71% 14.29%
1.23
5
1.21% 22.73%
0.01
3
0.37% 100.00%
14331
3.92%
1095
0.45%
711
5.37%
65
0.49%
55.99
2.04%
982
6.85%
551
3.84%
11.31
271
486
0.66% 24.75% 44.38%
44.68
4.30%
1
0.74%
120 12678
0.84% 88.47%
95
243
8.68% 22.19%
25 12435
0.19% 93.95%
13
9.56%
2
12
3.08% 18.46%
2
15
9.09% 68.18%
14331
100%
1095
100%
13236
100%
136
100%
33
100%
65
100%
7
100%
7
100%
22
100%
3
100%
Total
Contd...STATEMENT 15
136
7.34
88
34
7.95% 21.74% 64.71% 25.00%
33
4.48%
65
0.57%
7
0.32%
7
0.05%
22
0.25%
3
1.13%
No. of Benefit
Lives Amount
0.01 13236
0.00% 11.03%
0.01
0.02%
No. of Benefit
Lives Amount
Claims written
Claims
back
pending at end
of the period
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
INDUSTRY TOTAL
LIC
12767
19
TATA AIA
PRIVATE TOTAL
SAHARA
RELIANCE
PNB METLIFE
SHRIRAM LIFE
52
MAX LIFE
96
78
KOTAK MAHINDRA
SBI LIFE
16
No. of Benefit
Lives Amount
Claims pending
at start of the
period
ING LIFE
Insurer
150
7119
1747
MAX LIFE
PNB METLIFE
711063
INDUSTRY TOTAL
90182
620881
LIC
PRIVATE TOTAL
3143
246
TATA AIA
648
11217
SBI LIFE
SHRIRAM LIFE
270
SAHARA
13221
2326
KOTAK MAHINDRA
RELIANCE
2241
635
ING LIFE
550
IDBI FEDERAL
13736
ICICI PRUDENTIAL
INDIA FIRST
837
5338
HDFC STANDARD
EDELWEISS TOKIO
FUTURE GENERALI
217
CANARA HSBC
DLF PRAMERICA
6320
654
17635
1825
248
No. of
Policies
7126.97
5634.86
1492.11
58.58
3.82
11.23
166.97
2.29
119.40
55.74
145.20
45.58
25.03
13.76
20.39
262.87
105.65
11.33
0.38
0.05
8.59
140.01
9.27
226.75
49.79
9.43
Benefit
Amount
Within 30 Days of
Intimation
BIRLA SUNLIFE
BHARTI AXA
BAJAJ ALLIANZ
AVIVA
AEGON RELIGARE
Insurer
78635
60040
18595
706
231
316
1379
299
4731
204
1252
398
292
19
362
602
434
15
187
1457
213
5175
283
34
No. of
Policies
1589.76
1102.53
487.23
21.22
4.49
7.36
45.25
2.71
73.15
8.25
48.48
19.29
5.73
0.48
13.95
34.05
8.24
0.13
0.31
7.97
67.82
5.74
85.28
24.95
2.38
Benefit
Amount
31 to 90 Days
35949
31873
4076
246
126
80
71
189
540
53
109
95
225
253
48
78
49
119
327
69
1376
23
No. of
Policies
454.18
306.56
147.62
13.63
2.85
2.16
4.87
1.72
14.78
3.31
9.76
3.95
4.61
14.70
4.23
2.46
1.21
3.95
14.21
2.88
37.17
5.16
Benefit
Amount
91 to 180 Days
17705
17345
360
30
51
14
45
14
12
11
18
92
38
No. of
Policies
153.21
140.21
13.00
2.40
1.78
0.30
0.36
0.42
0.33
0.46
0.03
0.21
0.19
0.19
0.67
2.48
1.25
1.89
0.05
Benefit
Amount
Duration
3577
3406
171
21
50
16
11
33
7.00
No. of
Policies
STATEMENT 16
46.10
38.74
7.36
0.81
0.37
0.07
0.04
0.21
0.01
1.61
2.60
0.29
0.79
0.13
0.07
0.01
0.28
0.07
Benefit
Amount
846929
733545
113384
4125
662
1079
12676
809
18511
2017
8531
2843
2780
654
550
14393
5988
1369
10
166
528
8149
936
24192
2134
282
No. of
Policies
9370.22
7222.90
2147.32
95.82
13.75
21.42
217.52
7.18
207.87
67.77
205.08
71.63
35.85
14.24
20.39
292.50
143.92
22.83
0.51
4.12
21.78
224.21
17.90
349.25
79.97
11.81
Benefit
Amount
44
FUTURE GENERALI
151
243913
342445
INDUSTRY TOTAL
98532
1416
408
2847
LIC
PRIVATE TOTAL
TATA AIA
SHRIRAM LIFE
3
10429
SBI LIFE
4632
RELIANCE
SAHARA
1809
PNB METLIFE
12793
8119
KOTAK MAHINDRA
MAX LIFE
169
2396
778
ING LIFE
INDIA FIRST
IDBI FEDERAL
3517
13
EDELWEISS TOKIO
1514
28
DLF PRAMERICA
ICICI PRUDENTIAL
125
CANARA HSBC
HDFC STANDARD
1452
48
43666
2322
No. of
Lives
2504.13
1692.01
812.12
20.51
3.02
56.47
192.02
0.01
27.69
46.52
37.33
79.03
1.13
24.14
2.86
55.53
16.35
8.46
1.98
0.03
0.29
56.60
0.66
165.02
16.38
0.11
Benefit
Amount
Within 30 Days of
Intimation
BIRLA SUNLIFE
BHARTI AXA
BAJAJ ALLIANZ
AVIVA
AEGON RELIGARE
Insurer
6087
263
5824
85
183
899
740
288
881
453
76
43
55
12
37
15
66
22
1893
55
No. of
Lives
117.87
3.43
114.44
1.11
1.48
2.51
28.93
0.28
9.25
5.06
14.85
1.82
1.06
5.61
4.14
4.16
0.33
0.01
0.35
3.94
0.86
27.31
1.40
Benefit
Amount
31 to 90 Days
805
803
13
101
14
18
99
112
11
21
16
13
12
363
No. of
Lives
21.10
0.02
21.08
0.38
1.40
0.93
0.11
1.53
4.16
2.02
0.01
0.01
2.05
2.29
0.10
0.35
0.60
4.99
0.15
Benefit
Amount
91 to 180 Days
93
93
68
No. of
Lives
1.07
1.07
0.21
0.23
0.30
0.08
0.08
0.02
0.13
0.01
0.01
Benefit
Amount
Duration
239
172
67
57
No. of
Lives
STATEMENT 17
2.28
1.91
0.37
0.08
0.07
0.01
0.17
0.05
Benefit
Amount
349669
244350
105319
1516
697
3746
11187
4641
2115
13898
8690
258
2440
778
3593
1526
107
21
34
154
1530
70
45922
2389
4.00
No. of
Lives
2646.45
1697.37
949.08
22.20
6.13
58.98
222.18
0.01
28.07
57.29
46.71
96.05
2.99
25.22
2.86
63.19
20.49
15.21
2.41
0.04
1.00
61.13
1.52
197.32
17.99
0.11
Benefit
Amount
State Government
& Other Approved
Securities
Infrastructure
Investments
Approved
Investments
LIFE FUND
Other Investments
FUTURE GENERALI
152
132.86
404122.92
36867.68
3746.79
368.10
209.14
4232.47
262.35
947.16
2006.95
4853.89
1060.51
1252.55
220.07
433.90
4602.07
4423.02
358.48
88.73
104.34
402.25
1512.62
171.89
4606.84
870.70
37.64
172509.45
5423.84
325.58
61.88
29.87
412.48
59.54
213.28
120.45
765.13
285.47
157.40
12.13
59.86
1134.31
594.53
125.31
32.87
838.26
157.86
22.11
206808.07
7648.82
326.11
83.57
47.82
598.54
95.71
757.34
102.17
1003.67
514.37
162.58
40.27
125.60
1320.11
742.66
159.59
15.24
31.03
58.89
1253.27
188.19
368688.82
LIC
2955.03
26091.29
TATA AIA
PRIVATE TOTAL
247.33
RELIANCE
139.37
833.72
PNB METLIFE
SHRIRAM LIFE
1282.39
MAX LIFE
228.42
3368.10
KOTAK MAHINDRA
2872.26
835.84
ING LIFE
SBI LIFE
824.20
INDIA FIRST
SAHARA
341.80
241.45
IDBI FEDERAL
2638.53
61.11
237.10
EDELWEISS TOKIO
ICICI PRUDENTIAL
91.58
DLF PRAMERICA
3119.66
167.26
CANARA HSBC
HDFC STANDARD
149.59
1454.23
BIRLA SUNLIFE
3431.95
BAJAJ ALLIANZ
BHARTI AXA
87.35
483.02
AVIVA
62.33
42.16
102000.90
16877.44
1120.45
131.98
123.76
1398.19
173.91
748.93
682.04
2152.29
708.46
711.41
91.06
427.45
2418.10
2038.39
302.78
60.25
61.94
160.41
815.73
66.70
2024.46
416.61
46.68
243607.28
14717.51
515.73
75.21
74.75
1593.48
81.05
1122.60
165.62
1287.86
436.63
367.92
108.55
202.89
3333.99
1952.72
145.86
261.25
13.38
54.69
367.35
80.12
2148.58
280.59
20.06
276914.03
19676.35
582.87
106.36
123.49
1937.09
105.31
2604.57
224.09
1801.79
488.36
574.68
100.53
101.54
3768.77
2848.54
180.19
270.79
29.53
146.22
417.79
85.26
2880.13
278.40
84532.45
12787.46
805.41
99.72
73.78
1104.88
159.30
417.17
472.37
1779.46
541.48
482.99
93.03
137.44
1686.00
1636.71
181.50
119.54
49.11
142.88
810.11
50.11
1614.18
267.97
46262.23
45276.07
986.16
20.78
2.91
5.82
145.96
12.09
106.98
29.59
0.83
98.48
1.25
2.79
161.37
160.30
0.74
50.35
3.12
32.15
19.13
121.19
10.31
244.31
914614.07
60006.26
4622.53
487.05
323.59
6129.05
540.40
2693.74
2040.83
7230.14
2100.25
1931.00
456.41
744.79
8954.20
7463.93
690.50
492.25
157.19
397.69
2663.85
298.95
8154.16
1189.45
225.56
1037656.47
82343.47
5796.36
694.61
511.20
8349.89
657.49
5115.74
3022.64
9876.67
2776.70
2743.30
453.18
1088.83
12354.71
10385.80
1001.47
422.80
214.12
757.66
2850.58
329.04
10961.22
1753.91
47810.55
1273.18
20.14
4.60
6.98
183.60
20.21
57.76
7.39
65.02
5.00
42.09
1.25
0.34
245.67
333.19
0.43
3.03
3.07
17.75
45.55
5.18
196.52
0.01
8.37
31.3.2013
Total
(Life Fund)
(` Crore)
STATEMENT 18
31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012
Central Government
Securities
AEGON RELIGARE
INSURER
153
INDUSTRY TOTAL
73302.35
65618.53
LIC
196.36
TATA AIA
7683.82
PRIVATE TOTAL
32.08
108.79
SHRIRAM LIFE
2.69
4130.80
SAHARA
49.7948
RELIANCE
SBI LIFE
80.55
KOTAK MAHINDRA
153.98
29.61
ING LIFE
PNB METLIFE
289.37
INDIA FIRST
MAX LIFE
40.25
48.93
IDBI FEDERAL
478.84
1189.59
FUTURE GENERALI
ICICI PRUDENTIAL
25.82
EDELWEISS TOKIO
HDFC STANDARD
126.65
CANARA HSBC
DLF PRAMERICA
120.80
BIRLA SUNLIFE
0.49
460.16
BAJAJ ALLIANZ
BHARTI AXA
117.34
0.92
31.3.2012
71189.19
60873.55
10315.64
198.46
195.91
45.09
5593.96
2.69
59.8560
96.71
88.34
52.47
380.82
285.22
40.29
1207.85
499.03
39.42
207.94
263.66
0.91
849.25
206.38
1.38
31.3.2013
AVIVA
AEGON RELIGARE
INSURER
11.11
36581.92
34030.58
2551.34
67.8985
90.83
51532.31
47706.13
3826.18
69.5043
95.57
11.12
2042.37
1598.18
56.82
59.78
9.27
11.66
85.66
221.44
43.23
470.40
228.54
30.72
52.93
38.10
231.97
66.38
0.71
31.3.2013
13.04
35.19
6.16
7.03
71.70
26.17
7.90
241.15
151.35
22.27
31.05
7.72
127.64
34.61
0.35
31.3.2012
0.51
60.40
126782.51
113104.50
13678.02
275.84
224.64
159665.25
142431.68
17233.58
365.98
319.48
82.33
9284.78
0.51
8201.96
177.90
183.18
28.92
57.22
590.74
720.22
22.49
1816.72
996.91
80.95
334.88
104.22
147.64
32.55
32.69
468.85
113.65
6.17
1900.89
773.65
56.07
188.82
440.18
0.29
181.41
1438.97
0.09
290.85
0.07
31.3.2013
708.59
199.35
31.3.2012
Approved Investments
1.28
236666.78
212753.61
23913.17
540.10
424.26
103.59
13930.95
3.20
167.06
336.81
119.26
69.33
829.92
188.75
54.33
3331.63
1403.83
104.16
346.51
309.93
0.58
1296.39
351.30
31.3.2012
282386.76
251011.36
31375.40
633.94
610.96
138.54
16921.12
3.20
294.57
339.68
126.53
121.36
1057.23
1226.88
106.01
3494.97
1724.48
151.10
595.75
741.94
1.20
2520.19
563.61
2.15
31.3.2013
(` Crore)
Contd... STATEMENT 18
154
216552.98
129787.08
346340.05
INDUSTRY TOTAL
8978.77
TATA AIA
LIC
1787.62
PRIVATE TOTAL
1330.44
SBI LIFE
SHRIRAM LIFE
510.35
25341.48
SAHARA
14941.52
6215.69
PNB METLIFE
RELIANCE
7011.90
9165.28
3109.73
ING LIFE
MAX LIFE
1487.74
INDIA FIRST
KOTAK MAHINDRA
1614.11
54697.79
ICICI PRUDENTIAL
IDBI FEDERAL
22655.24
HDFC STANDARD
795.45
FUTURE GENERALI
124.38
DLF PRAMERICA
2.13
3347.99
CANARA HSBC
EDELWEISS TOKIO
17045.63
1468.61
28308.74
5995.29
617.12
31.3.2012
325282.95
108314.65
216968.30
9269.06
2290.62
1181.33
25494.69
415.68
11793.53
6365.04
10033.10
7641.95
2624.87
2119.67
1624.56
54468.77
26845.83
907.32
14.07
190.48
4919.50
17961.46
1622.03
23028.54
5344.04
812.18
31.3.2013
Approved Investments
BIRLA SUNLIFE
BHARTI AXA
BAJAJ ALLIANZ
AVIVA
AEGON RELIGARE
Insurer
23631.74
11915.69
11716.05
329.94
83.11
180.29
1126.68
51.68
976.26
255.88
700.38
435.26
254.77
47.20
49.43
3119.59
730.66
55.42
0.22
13.84
198.75
976.08
134.50
1675.08
288.18
32.84
31.3.2012
17224.23
6008.94
11215.29
287.85
88.03
48.47
1053.17
35.81
993.87
197.99
421.59
321.66
174.43
48.88
57.08
3052.06
1151.72
30.32
0.31
8.06
144.52
1225.35
138.05
1468.04
228.45
39.58
31.3.2013
Other Investments
369971.79
141702.77
228269.03
9308.71
1870.73
1510.72
26468.15
562.03
15917.79
6471.57
9865.66
7447.16
3364.50
1534.94
1663.54
57817.38
23385.90
850.87
2.35
138.21
3546.74
18021.71
1603.10
29983.83
6283.48
649.96
31.3.2012
342507.19
114323.60
228183.59
9556.91
2378.65
1229.80
26547.86
451.50
12787.39
6563.03
10454.69
7963.61
2799.29
2168.55
1681.65
57520.83
27997.55
937.64
14.38
198.54
5064.02
19186.81
1760.07
24496.57
5572.48
851.76
31.3.2013
1581258.90
1269070.44
312188.46
14471.34
2782.03
1937.90
46528.15
1105.63
18778.59
8849.21
17215.06
9616.74
6125.42
2180.10
2462.66
70103.21
32253.67
1645.53
494.59
295.41
4290.94
20995.49
1902.64
39434.38
7824.22
895.55
31.3.2012
1744893.88
1402991.42
341902.46
15987.21
3684.22
1879.54
51818.86
1112.19
18197.71
9925.35
20457.88
10861.66
6599.83
3848.61
2876.48
73370.51
40107.83
2090.21
437.18
412.66
6417.42
22779.33
2090.31
37977.98
7889.99
1079.47
31.3.2013
TOTAL
(ALL FUNDS)
(` Crore)
ContdSTATEMENT 18
As on
31st March,
2012
Infusion
During the
year
As on
31st March,
2013
Foreign
Promoter
Indian
Promoter
FDI (%)
AEGON RELIGARE
1135.00
41.00
1176.00
305.76
870.24
26.00%
AVIVA
2004.90
2004.90
521.27
1483.63
26.00%
150.71
150.71
39.18
111.53
26.00%
BHARTI AXA
1718.65
88.55
1807.20
401.60
1405.60
22.22%
BIRLA SUNLIFE
1969.50
1969.50
512.07
1457.43
26.00%
CANARA HSBC
800.00
150.00
950.00
247.00
703.00
26.00%
DLF PRAMERICA
305.17
14.85
320.02
83.21
236.81
26.00%
EDELWEISS TOKIO
150.00
150.00
39.00
111.00
26.00%
FUTURE GENERALI
1203.00
249.00
1452.00
370.26
1081.74
25.50%
HDFC STANDARD
1994.88
1994.88
518.67
1476.21
26.00%
ICICI PRUDENTIAL
1428.85
0.09
1428.94
370.78
1058.15
25.95%
IDBI FEDERAL
800.00
800.00
208.00
592.00
26.00%
INDIA FIRST
475.00
475.00
123.50
351.50
26.00%
1464.88
1464.88
1464.88
510.29
510.29
132.68
377.61
26.00%
MAX LIFE
1944.69
1944.69
505.62
1439.07
26.00%
PNB METLIFE
1969.57
43.31
2012.88
523.35
1489.53
26.00%
RELIANCE
1196.32
1196.32
311.04
885.28
26.00%
SAHARA
232.00
232.00
232.00
SBI LIFE
1000.00
1000.00
260.00
740.00
26.00%
SHRIRAM LIFE
175.00
175.00
175.00
250.00
250.00
65.00
185.00
26.00%
1953.50
1953.50
507.91
1445.59
26.00%
24831.92
586.80
25418.72
6045.91
19372.82
23.79%
100.00
100.00
100.00
24931.92
586.80
25518.72
6045.91
19472.82
23.69%
BAJAJ ALLIANZ
ING LIFE
KOTAK MAHINDRA
TATA AIA
TOTAL (PRIVATE SECTOR)
LIC
TOTAL (LIFE)
155
March 2012
June 2012
September 2012
December 2012
March 2013
AEGON RELIGARE
2.62
1.97
1.87
1.62
1.91
AVIVA
5.15
4.62
4.14
3.56
4.23
BAJAJ ALLIANZ
5.15
5.58
5.85
6.33
6.34
BHARTI AXA
2.34
2.01
2.19
2.05
1.82
BIRLA SUNLIFE
2.99
3.20
3.31
3.44
2.67
CANARA HSBC
2.60
4.53
3.94
3.76
3.84
DLF PRAMERICA
2.31
2.38
2.72
2.99
2.67
EDELWEISS TOKIO
2.41
2.41
2.15
2.14
1.96
FUTURE GENERALI
3.86
3.13
2.82
2.82
4.17
HDFC STANDARD
1.88
1.99
2.27
2.19
2.17
ICICI PRUDENTIAL
3.71
3.85
3.82
3.90
3.96
IDBI FEDERAL
6.61
6.24
5.80
5.40
4.9
INDIA FIRST
7.71
8.06
6.88
6.02
4.2
ING LIFE
2.16
2.07
1.90
1.91
1.8
KOTAK MAHINDRA
5.34
5.61
5.54
5.51
5.21
MAX LIFE
1.65
1.72
1.72
1.89
2.07
PNB METLIFE
3.06
2.97
2.90
2.94
2.93
RELIANCE
3.53
3.76
4.06
4.36
4.29
SAHARA
5.28
5.78
5.76
6.16
5.78
SBI LIFE
5.34
2.15
2.17
2.14
2.15
SHRIRAM LIFE
4.99
5.08
5.00
5.33
5.59
5.67
5.28
4.54
4.08
3.46
TATA AIA
2.84
3.06
3.19
3.36
3.41
LIC OF INDIA
1.54
1.60
1.60
1.58
1.54
156
157
2736
4846
(3495)
1701
859
2492
50815
1626
24512
444
1595
2298
(3615)
(1288)
564
(98)
7070
51257
2479
34219
51
26582
7173
29444
(1430)
35187
(10954)
(10954)
(78)
(10876)
(10954)
36749
1612
26703
948
29263
(14755)
(14755)
181
(14936)
(14755)
(0)
43050
(1374)
45732
(1001)
2012-13
AEGON RELIGARE
2011-12
Particulars
20659
26694
(4359)
31053
26849
(6190)
26694
210526
26694
28180
(17056)
61951
199308
94
299171
10530
51379
42
34181
35905
35863
(24908)
8344
214067
(4280)
2012-13
20659
153874
20659
12445
(4596)
68831
145980
44
243363
9358
59451
21
24749
202
29580
24404
(17041)
(57500)
241587
(2618)
2011-12
AVIVA
121341
14428
109154
17406
91748
(545391)
696769
86247
14428
8480
109154
(288471)
442034
100530
11837
8974
121341
106913
311466
205000
930377
317
16928
988016
28042
160030
1698
235
135321
394145
(137179)
(89710)
689270
(5764)
2012-13
180920
198017
549460
125
18562
740581
38827
140628
879
285
110657
164481
(69796)
(209288)
748380
(5018)
2011-12
BAJAJ ALLIANZ
(5268)
(5268)
(5268)
43566
(5268)
31847
(62)
47981
11781
86280
2800
45085
97
528
14746
(401)
3969
7097
(11912)
(4592)
77416
(571)
2011-12
1121
1121
1121
57115
1121
25310
(447)
46466
32252
104702
3550
42868
48
(41)
14017
5436
11730
(8001)
7874
74452
(765)
2012-13
BHARTI AXA
64968
(6109)
71077
64968
67720
375285
64968
45339
(8237)
154052
270462
594305
32540
121512
2981
32873
95676
58220
(134586)
(34858)
(780)
588536
(13759)
44028
(18632)
62660
44028
120065
545744
44028
71509
(11694)
146018
365864
735791
30048
115970
3666
19946
109407
111149
(47243)
33853
(161)
521630
(16455)
2012-13
BIRLA SUNLIFE
2011-12
113
113
113
157181
113
154822
(85)
32256
2444
189549
8306
23950
10287
(498)
11664
9277
(15683)
(10582)
186108
(1024)
2011-12
5267
5267
5267
205963
5267
195373
(103)
30555
10692
241785
5502
25053
5290
21732
13605
(12529)
23779
191215
(1306)
2012-13
CANARA HSBC
(` Lakh)
STATEMENT 21
158
10265
11274
55
55
55
55
7644
37
37
37
37
39720
3052
25338
30113
1809
20622
7258
8
14193
1
13649
28390
1009
986
950
(321)
407
1
462
163
(221)
(548)
3
(23)
22432
386
23679
(184)
2012-13
16701
(76)
2011-12
DLF PRAMERICA
Particulars
577
1579
(1003)
6231
1
6808
159
6072
0
5711
6
18
(4)
5
1088
(16)
2011-12
3266
6471
(3323)
12997
117
16263
747
12251
1
10800
138
90
(18)
5
5483
(236)
2012-13
EDELWEISS
TOKIO
48610
42804
(133)
44305
5939
92916
8749
35557
323
13981
6931
2566
(4297)
(3135)
77958
(1411)
2011-12
1020240
(5253)
2011-12
59302
41826
(193)
30938
17669
90240
5876
25062
1085
8626
(3036)
21858
6013
64211
10926
37292
39376
25053
7974
(6661)
64211
1115174
64211
781492
(93390)
203478
425199
1873
5162
1382862
63940
134377
2566
190
37292
820682
37292
532539
(8087)
184752
295317
914
1042726
57764
126988
1075
2591
1402158
(9370)
2011-12
1353824
(12100)
2012-13
ICICI PRUDENTIAL
230417
(21299)
97220
154495
230417
1015995
133196
97220
190145
(19887)
220889
(25096)
75922
170064
220889
1587839
144968
75922
273560
(14253)
283492
1328045
487
167
2385
1095
4356
265787
845438
298
2016299
76542
203863
536
2407
54125
1414978
60547
200347
(558)
1391
34980
1132268
(6405)
2012-13
HDFC STANDARD
10065 126053
5108 123510
(6697) (53432)
6173 (172876)
1934
(1115)
67829
(1949)
2012-13
FUTURE
GENERALI
2863
2863
2863
59113
2863
50819
(192)
25243
8487
87219
6392
18850
2
12242
10061
5246
(11844)
(2288)
910
(226)
73670
(554)
2011-12
8161
8161
8161
72695
8161
43205
(187)
28120
29677
108975
8809
19311
3
9668
13845
12736
(8319)
(237)
1479
80468
(669)
2012-13
IDBI FEDERAL
4458
1857
2602
4458
118557
4458
115926
21693
2631
144708
2737
18956
(75)
13043
4665
1083
(983)
(4000)
1537
129793
(355)
2011-12
3046
1295
1751
3046
174587
3046
168720
24137
5867
201770
3055
21082
58
9056
12664
5281
(2212)
6394
2204
169008
(683)
2012-13
INDIA FIRST
(` Lakh)
Contd... STATEMENT 21
159
Particulars
46798
(10)
166156
6603
685
7288
6488
115
685
7288
120637
3764
1990
5754
4462
(698)
1990
5754
232188
11759
47669
185795
13246
48148
44791
(70)
502
7787
(189)
11166
59428
119340
28
35455
35967
(21330)
134
28137
19338
(14468)
(25493)
61394
75888
27
174236
(564)
2012-13
167998
(695)
2011-12
ING LIFE
(8833)
2564
11981
1238
12381
18250
(5958)
17101
11981
60036
292303
10744
1238
64590
236490
11959
422
69782
178213
242
128123
128123
128123
(2801699)
25150077
128123
16078400
39198
53940
3453339
11747214
126162
127
28731538
1403563
1491440
22720
18220
9026687
1660633
(145849)
(2108443)
442478
53459
352
12381
LIC
20288928
(8513)
(125)
2011-12
586
372829
11741
57328
182
4122
53221
70775
(26978)
(892)
277778
(5379)
2012-13
28380
66672
143494
25
315121
11212
55460
169
46964
35051
(41140)
(15215)
293743
(4451)
2011-12
KOTAK MAHINDRA
143638
143638
143638
(3416257)
28540205
143638
18327498
(4126)
77350
3950344
13488128
140836
637299
32634188
1476798
1670766
92257
29929
10388210
2357655
(263258)
(737319)
20880358
(21386)
2012-13
83558
42441
41117
83558
411461
68422
15136
239716
(655)
111084
67872
43212
111084
534804
68643
42441
278517
1127
184659
255161
94
183657
172400
788106
61403
122884
277
123
1017
84910
74978
(48948)
12776
6222
663870
(6840)
2012-13
663540
59457
124005
194
181
939
62230
44525
(37985)
(36948)
101
(1586)
639053
(6969)
2011-12
MAX LIFE
(157333)
(159990)
(2849)
192
(159990)
173951
5385
(165375)
93222
(158)
67261
80864
23
246597
11844
55417
368
28747
40015
(31323)
(53742)
267750
(5217)
(149345)
(151127)
(2057)
275
(151127)
241319
6206
(157333)
102110
(500)
69244
139669
40
316769
12199
57045
1179
40669
67279
(46104)
16242
242952
(5448)
2012-13
PNB METLIFE
2011-12
57325
2445
19481
35400
57325
300372
37845
19481
24731
167928
275597
45
506145
39803
128125
10257
2961
43578
201056
(138386)
(178209)
17863
549762
(2737)
2011-12
66353
(10262)
21926
54689
66353
407103
44428
21926
(171275)
160122
578329
48
611653
32616
127506
26344
27648
51473
90746
(28661)
22942
19629
404539
(3007)
2012-13
RELIANCE
(` Lakh)
Contd... STATEMENT 21
160
1952
711
1757
132
TOTAL (D)
(2610)
(6647)
2663
1889
1889
2663
1889
17230
(11015)
62566
2873
59694
62566
58545
4022
1164412
692734
(961)
76024
2184
73840
76024
73151
2873
1257489
479119
(800)
4681
11
4670
4681
4681
36835
(13539)
7782
7243
63
7180
7243
7232
11
46762
(14274)
(4037)
(6647)
(6647)
116110
69703
45142
(361)
1626
13230
20544
(2288)
22714
60989
46
TOTAL (C)
18931
42577
14
9218
173761
779101
69
6500
472611
28
158608
19027
6456
1461
5137
15407
130006
(5530)
314
8123
4413
(4367)
127195
(142)
6540
1433
920
4765
16488
76708
(6522)
318
970
(736)
8995
22754
(10552)
61807
(327)
2011-12
3034
3034
3034
3034
114532
50792
46000
(442)
18182
22933
5834
17099
140499
8043
440
6816
15197
6461
(3108)
106880
(230)
2012-13
9017
(478)
7
5966
14
4832
4960
13052
60447
(10999)
270
498
(791)
7471
2645
(2958)
64416
(105)
2012-13
SHRIRAM LIFE
2011-12
114
95
51141
115105
110
1504401
2419
26375
264645
235806
(122926)
59869
1045003
(6792)
51836
102393
10
1381564
969
14199
(2753)
212145
129737
(143851)
(136966)
1313374
(5290)
2012-13
SBI LIFE
2011-12
TOTAL (B)
436
1880
4026
26348
317
2220
3907
(946)
184
678
(5612)
294
21658
4419
2523
(1035)
3681
861
(149)
Commission
Operating Expenses related to Insurance Business
Provision for doubtful debts
Adjustment related to previous year
Bad debts written off
Provision for Tax
Provisions (other than taxation)
(a) For diminution in the value of investments (Net)
(b) Others
20538
(14)
22595
(12)
2012-13
SAHARA
2011-12
TOTAL (A)
Particulars
26791
3746
23617
(4869)
28486
(3089)
23617
2719
26791
23045
26706
319218
10291
111636
(162)
197452
70145
319
10354
59157
315
416069
3405
230
69319
49665
(30552)
49398
276043
(1439)
24073
247271
67856
79011
(113)
100518
90530
14128
76019
383
361874
(3566)
725
56062
27338
(24514)
(55996)
363030
(1206)
2012-13
TATA AIA
2011-12
773471
(2981)
35962
99890
(151644)
8011
16481
120559
(162715)
678555
792245
765891
2189
5391
773471
36712562
(3731477)
21255628
(142510)
19186841
144080
5917716
(2133)
77350
268
670222
1921810
3156170
94028
43396169
576
76477
258461
(736)
11822542
4122675
(1086314)
(478270)
64106
28720249
(103596)
696219
682131
(15268)
11692
678555
31243225
(2836128)
18733553
(43652)
15261746
127705
5403732
38815
53940
1109
471465
1849874
2965610
22918
37329089
10148785
2926211
(1096595)
(3562566)
61117
(6741)
(22141)
34392
216695
(791)
28707211
(76363)
(125)
2012-13
TOTAL
2011-12
(` Lakh)
Contd... STATEMENT 21
(1)
161
3200
134958
1046
285
761
136004
11
(256)
2014
27323
106913
2011-12
(137294)
(140494)
234994
103874
363558
234994
(174830)
(155846)
(186759)
(174830)
1598
9848
(172251)
46073
46073
33040
32873
167
79113
(64)
(3)
247
7857
71077
2011-12
19695
(137623)
54150
54150
20109
19946
163
74259
(20)
(92)
394
11318
62660
2012-13
(124249)
4061
5203
(140494)
(147851)
(11929)
(11929)
14417
14017
399
2488
(21)
294
1093
1121
2012-13
11817
(11768)
(10073)
(18984)
(18984)
15080
14746
335
(3904)
(31)
259
1136
(5268)
2011-12
BIRLA SUNLIFE
(4369)
128564
5793
134357
717
235
482
135074
175
(702)
2505
41347
91748
2012-13
BHARTI AXA
APPROPRIATIONS
3838
7357
3200
35143
34181
962
38343
(1)
693
6598
31053
2012-13
131120
(1696)
7357
25512
24749
763
32869
(20)
319
5721
26849
2011-12
BAJAJ ALLIANZ
(5704)
(1696)
2744
2492
252
1049
300
(2)
103
648
2012-13
AVIVA
(5704)
7115
TOTAL (B)
7070
46
1412
(c) Others
TOTAL (A)
Other Income
535
189
689
2011-12
AEGON RELIGARE
Particulars
(75748)
(66841)
(8907)
(8907)
10346
10287
58
1439
24
(83)
190
1194
113
2011-12
(73399)
(75748)
2350
2350
5382
5290
93
7732
36
(68)
320
2178
5267
2012-13
CANARA HSBC
(` Lakh)
STATEMENT 22
(2)
220
162
(6472)
(6472)
10833
10800
33
4361
(12965)
(12965)
14106
13981
125
1141
(67)
278
928
2011-12
(6833)
(6833)
8694
8626
69
1861
(128)
277
1712
2012-13
27102
27102
2611
2591
19
29712
(2)
(2)
699
3964
25053
2011-12
45572
919
190
730
46491
(32)
(0)
2297
4850
39376
2012-13
(37556)
(50795)
(2923)
149594
7367
156961
585
585
157546
48
2533
(1626)
10612
30040
14959
7966
14140
34293
6722
13842
2011-12
(43235)
(36249)
(6986)
(6986)
12396
12242
153
5410
23
1270
(607)
157
1704
(42311)
(43235)
924
924
9842
9668
172
10766
711
(54)
177
1767
8161
2012-13
IDBI FEDERAL
115939 2863
2012-13
(2923)
10009
(1116)
(37556)
31428
(24731)
138417
2955
141372
172
172
141544
56
4375
(4265)
5580
16282
119515
2011-12
APPROPRIATIONS
424
(1807)
(1807)
6033
5711
322
4226
203
(1297)
2090
3365
2012-13
45148
(13239)
(801)
1570
3456
2011-12
FUTURE
GENERALI
(12825)
(13239)
14464
14193
271
1224
11
(26)
156
1083
2012-13
EDELWEISS
TOKIO
(12825)
13869
TOTAL (B)
13649
(c) Others
1044
TOTAL (A)
Other Income
81
88
878
2011-12
DLF PRAMERICA
Particulars
(18937)
(11679)
(7258)
(7258)
13132
13043
89
5874
1856
(258)
351
1324
2602
2011-12
(22895)
(18937)
(3958)
(3958)
9252
9056
196
5293
1311
(94)
394
1931
1751
2012-13
INDIA FIRST
(` Lakh)
Contd... STATEMENT 22
859
(0)
131334
(9)
3220
128123
2011-12
2080
(35)
3309
143638
2012-13
(24)
1506
12865
41117
2011-12
197
163
11363
(3115)
TOTAL (B)
24034
3211
128123
131334
131334
121
143638
143759
5233
148992
(36978)
(82961)
45983
45983
11578
939
10640
15946
9918
(36978)
42345
5194
47539
4625
123
4502
52164
(26933)
2117
5061
5061
18974
273
19247
4195
4122
72
57562
(15264)
20325
20325
41
41
148993
4319
(115014)
(115014)
2307
2307
8042
7787
255
10350
951
(99)
1845
19236
30226
2012-13
(111899)
(3115)
APPROPRIATIONS
11166
(c) Others
8248
TOTAL (A)
1442
23441
(195)
191
5195
18250
2012-13
MAX LIFE
Other Income
20366
(4)
38
3230
17101
2011-12
LIC
657
14
808
2682
6846
2012-13
KOTAK MAHINDRA
2551
4839
2011-12
ING LIFE
Particulars
(4617)
(7934)
3317
3317
24
24
3341
(33)
294
2888
192
2011-12
217
(4617)
4834
4834
309
197
112
5143
(20)
403
4487
275
2012-13
PNB METLIFE
(248620)
776
4785
(280316)
37257
37257
4183
2961
1222
41440
306
(137)
2582
3289
35400
2011-12
(216177)
813
4785
(248620)
38042
38042
31310
27648
3662
69352
3855
(48)
3361
7494
54689
2012-13
RELIANCE
(` Lakh)
Contd... STATEMENT 22
164
298
3146
TOTAL (B)
649
9562
111893
811
5000
62122
55582
55582
14360
14199
(72)
233
69942
6490
3071
185
3256
893
678
215
4149
3542
2948
APPROPRIATIONS
198
208
90
(c) Others
3444
15
1761
655
(386)
(5)
362
1357
4670
2011-12
168299
811
5000
111893
62217
62217
27330
26375
210
745
89547
8079
2461
5618
226
5844
577
498
78
6421
TOTAL (A)
209
833
(145)
13677
73840
2012-13
Other Income
201
(257)
8912
59694
2011-12
16272
8079
8193
310
8503
1088
970
118
9591
(70)
(42)
715
1798
7180
2012-13
SHRIRAM LIFE
33
(170)
2029
1952
2012-13
SBI LIFE
160
(105)
1800
1757
2011-12
SAHARA
Particulars
(9495)
(6935)
(2560)
23
(2537)
1062
1062
(1475)
13
(116)
202
2464
(4037)
2011-12
(14234)
(12374)
(1860)
153
(1707)
6993
6816
176
5286
11
(60)
322
1979
3034
2012-13
(129776)
(155807)
26031
26031
1186
725
460
27217
(6)
16
4162
23045
2011-12
597354
7217
23
604593
199130
181922
(70)
17276
803723
2229
9047
(170)
(6983)
18791
119193
661616
2011-12
694839
24779
153
719771
218494
203442
198
210
14643
938265
3254
9550
209
(5274)
29919
175114
725492
2012-13
TOTAL
(96621) (1253139)
17053
9907
147917
41275
(860786)
21259
19113
190327
68906
33154
33154
609
230
379
33763
(20)
5298
28486
2012-13
TATA AIA
(` Lakh)
Contd... STATEMENT 22
165
6040
221176
6404
16316
85176
1048
4956
8338
13294
7519
186
7706
5589
11768
94875
1745
186740
15917
8542
64996
866
3743
8824
12567
9989
231
10220
2347
10073
83999
186740
Total
79136
95136
221176
(0)
907314
140494
4173
15024
19197
35411
1796
37207
(18010)
2408
76155
77919
628348
9674
907314
618705
697150
78445
200490
0
120000
0
113500
200490
117600
2400
63251
71494
AVIVA
2012
113500
16000
2013
8244
2012
AEGON RELIGARE
Sources of Funds
Shareholders Funds:
Share Capital
Share Application Money Pending Allotment
Employees Stock Option Outstanding
Reserves and Surplus
Credit/[Debit] Fair Value Change Account
Sub-Total
Borrowings
Policyholders Funds:
Credit/[Debit] Fair Value Change Account
Revaluation Reserve-Investment Property
Policy Liabilities
Insurance Reserves
Provision for Linked Liabilities
Sub-Total
Deferred Tax Liability
Funds for Future Appropriations
Total
Application of Funds
Investments
Shareholders
Policyholders
Assets Held to Cover Linked Liabilities
Loans
Fixed Assets
Incidental Expenses Pending Capitalisation
Deferred Tax Asset
Current Assets
Cash and Bank Balances
Advances and Other Assets
Sub-Total (A)
Current Liabilities
Provisions
Sub-Total (B)
Net Current Assets (C) = (A B)
Miscellaneous Expenditure
(To the Extent Not Written off or Adjusted)
Debit Balance In Profit & Loss Account
(Shareholders Account)
Debit Balance In Policyholders A/c
Particulars
914079
137294
7833
16231
24064
37222
1701
38923
(14859)
2645
80192
151560
557248
5316
914079
552020
708274
156254
(0)
200490
200490
2013
3944860
43824
53646
97470
106549
13688
120237
(22767)
360056
583294
2999946
1707
22624
22908
3944860
2999946
3565891
565386
558
3833738
71475
92934
164409
139166
19384
158550
5859
468781
876945
2454556
2415
25182
17406
3833738
2454556
3331925
876853
517
469553
(217)
484407
340990
356061
15071
2013
15071
2012
BAJAJ ALLIANZ
362901
174830
2515
10506
13021
15660
628
16288
(3267)
1074
17455
12498
160310
1285
362901
159026
171150
12147
(22)
18599
2
190466
171865
2012
396908
186759
3698
11193
14892
13856
848
14704
188
930
12058
20966
176007
4437
396908
171571
192621
21313
(262)
19244
(115)
199850
180720
2013
BHARTI AXA
2241354
137623
64047
23805
87852
95618
5970
101588
(13736)
101533
195831
1813642
2502
3959
39589
2241354
1813642
1956814
143188
(16)
48000
0
244950
196950
2012
2406642
124249
54424
30685
85110
85741
16128
101869
(16760)
137069
222147
1933707
2807
3424
20957
2406642
1933707
2136674
203004
(37)
52061
0
249012
196950
2013
506172
75748
7862
11152
19015
19585
30
19616
(601)
2105
20668
53577
354674
506172
354674
413672
58996
12500
0
92500
80000
2012
716452
73399
12537
18320
30857
30884
46
30929
(72)
1373
43362
91990
506402
716452
506402
608942
102540
12500
10
107510
95000
2013
CANARA HSBC
(` Lakh)
STATEMENT 23
166
Total
Sources of Funds
Shareholders Funds:
Share Capital
Share Application Money Pending Allotment
Employees Stock Option Outstanding
Reserves and Surplus
Credit/[Debit] Fair Value Change Account
Sub-Total
Borrowings
Policyholders Funds:
Credit/[Debit] Fair Value Change Account
Revaluation Reserve-Investment Property
Policy Liabilities
Insurance Reserves
Provision for Linked Liabilities
Sub-Total
Deferred Tax Liability
Funds for Future Appropriations
Total
Application of Funds
Investments
Shareholders
Policyholders
Assets Held to Cover Linked Liabilities
Loans
Fixed Assets
Incidental Expenses Pending Capitalisation
Deferred Tax Asset
Current Assets
Cash and Bank Balances
Advances and Other Assets
Sub-Total (A)
Current Liabilities
Provisions
Sub-Total (B)
Net Current Assets (C) = (A B)
Miscellaneous Expenditure
(To the Extent Not Written off or Adjusted)
Debit Balance In Profit & Loss Account
(Shareholders Account)
Debit Balance In Policyholders A/c
Particulars
32586
0
64589
18652
520
1725
5548
7273
8302
371
8672
(1400)
50795
190
1717
3900
5617
7328
254
7582
(1965)
37556
90874
13371
7733
19854
13585
1949
13821
65136
92
90874
19854
26194
13821
15929
37
65136
340
6340
2108
55581
2923
414
2230
2644
804
461
1266
1379
1821
48390
835
235
1
55581
235
575
40000
6
55005
15000
2012
84312
145617
61304
(47)
132663
120300
12410
2012
58703
9395
1255
6213
7469
2818
792
3610
3859
39572
2687
1438
0
1752
279054
109620
5359
10441
15800
11016
340
11357
4444
20063
59403
85087
0
438
333201
116453
5058
12629
17687
10113
260
10373
7313
28313
86943
93764
16
398
2244
333201
91520
185780
94260
(23)
145177
145200
2013
FUTURE GENERALI
97
774
58702.93 279054.26
1341
3627
2287
40000
(21)
54978
15000
2013
EDELWEISS
TOKIO
49170
32002
2013
30517
2012
DLF PRAMERICA
3363238
129448
6013
54756
74336
129092
150027
1368
151394
(22302)
58942
799026
2360980
3176
27955
46035
3363238
2360980
3096223
738651
(3408)
22014
(522)
220980
199488
2012
4108431
84300
98547
72673
171220
172246
2895
175142
(3921)
83385
1072733
2833309
7853
30772
64857
4108431
2833309
3823149
997736
(7895)
21970
(1033)
220425
199488
2013
HDFC STANDARD
7182507
194670
7437191
116435
32476
98302
130778
184148
17532
201679
(70902)
782
10534
28406
66241
94647
163879
12960
176839
(82192)
491996
1128699
5752083
875
17224
50825
7437191
5738859
6873444
24780
7045
1102760
365252
4776
512922
142894
2013
347701
911076
5781737
957
18023
75922
7182507
5748511
6611387
22031
7045
833800
350237
2076
495198
142885
2012
ICICI PRUDENTIAL
296810
43235
7953
11426
19380
13586
179
13765
5614
1728
30268
49609
166354
296810
166354
216862
50544
(37)
2
79948
79946
2012
339866
42311
9993
16373
26366
17471
352
17823
8543
1370
22376
97101
168165
339866
168165
259900
91752
(16)
10
79966
79956
2013
IDBI FEDERAL
(` Lakh)
Contd... STATEMENT 23
167
Total
Sources of Funds
Shareholders Funds:
Share Capital
Share Application Money Pending Allotment
Employees Stock Option Outstanding
Reserves and Surplus
Credit/[Debit] Fair Value Change Account
Sub-Total
Borrowings
Policyholders Funds:
Credit/[Debit] Fair Value Change Account
Revaluation Reserve-Investment Property
Policy Liabilities
Insurance Reserves
Provision for Linked Liabilities
Sub-Total
Deferred Tax Liability
Funds for Future Appropriations
Total
Application of Funds
Investments
Shareholders
Policyholders
Assets Held to Cover Linked Liabilities
Loans
Fixed Assets
Incidental Expenses Pending Capitalisation
Deferred Tax Asset
Current Assets
Cash and Bank Balances
Advances and Other Assets
Sub-Total (A)
Current Liabilities
Provisions
Sub-Total (B)
Net Current Assets (C) = (A B)
Miscellaneous Expenditure
(To the Extent Not Written off or Adjusted)
Debit Balance In Profit & Loss Account
(Shareholders Account)
Debit Balance In Policyholders A/c
2
165258
213099
378359
3676
442517
40076
128653
217233
240
1983
40194
6823
47017
15560
22
15582
31435
22895
2
59754
149784
209541
2381
272439
42775
22677
152194
68
2488
40775
3242
44017
10629
89
10717
33299
18937
442517
13000
(18)
60482
13000
18
60518
272439
47500
47500
746330
115014
8869
20260
29129
26705
198
26903
2226
38051
251610
336450
2027
952
685
746330
337201
599103
262418
(515)
54
146542
146488
2013
792514
112707
12875
44238
57113
40870
411
41281
15832
30344
349868
279929
2984
850
442
792514
281071
645458
365335
(948)
126
146614
146488
2012
2012
2013
ING LIFE
INDIA FIRST
8930729
42723
334
53057
10000
2012
8328932
40757
790
51547
10000
2013
(1643)
20344
272
215085
7581
18227
195
220472
144
194469
2013
194469
2012
MAX LIFE
80267
29238
51029
2013
LIC
2013
119632
2013
(720)
177572 308385
(973)
219803 219803
(227)
(113)
339208 339322
119632
2012
RELIANCE
187426 273788
217
1
196958 201505
799
132
196957 201288
2012
PNB METLIFE
(` Lakh)
Contd... STATEMENT 23
16342
19493
35835
46996
947
47943
(12109)
4603316
5324360
9927675
1593401
1622429
3215830
6711846
218821 271105
516118 729214
986566 1045469
1587
2961
11994
12569
36978
7033
26933
4617
157333 149345
248620 216177
20084
19955 25127
21800
29455 38165
41884
49410 63292
44858
60402 165676
2963
5617
5675
47821
66019 171351
(5937) (16609) (108059)
37737 49050
99756 227425
200028 287183 185125 312773
647157 656303 1591779 1278739
1273
1356
3170
3347
3826
1847
696
965
8639075
26040
36205
27044
5722936
57171
76180
15499
14362011
83210 112385
42544
813557 129811 150115
52724
1637944
599
20723
2251
2451501 130410 170838
54976
11910510 (47199) (58453) (12432)
62970
33005
45659
226122 107018081 118777524
807265 15295922 12177068
587
8666418
9099141
3167
286391
297217
962691 1088003 138011662 152307118 1731897 2029799 1039540 1139146 2112537 1931367
14263
13933
28196
40111
2074
42184
(13989)
43039
173286
756062
637
3657
15882
10148
1952
1107
42441
67872
7646 14794
21926
11664
962691 1088003 138011662 152307118 1731897 2029799 1039540 1139146 2112537 1931367
144095
1238
740180
885517
61293
10264
51029
2012
KOTAK
MAHINDRA
168
Total
Sources of Funds
Shareholders Funds:
Share Capital
Share Application Money Pending Allotment
Employees Stock Option Outstanding
Reserves and Surplus
Credit/[Debit] Fair Value Change Account
Sub-Total
Borrowings
Policyholders Funds:
Credit/[Debit] Fair Value Change Account
Revaluation Reserve-Investment Property
Policy Liabilities
Insurance Reserves
Provision for Linked Liabilities
Sub-Total
Deferred Tax Liability
Funds for Future Appropriations
Total
Application of Funds
Investments
Shareholders
Policyholders
Assets Held to Cover Linked Liabilities
Loans
Fixed Assets
Incidental Expenses Pending Capitalisation
Deferred Tax Asset
Current Assets
Cash and Bank Balances
Advances and Other Assets
Sub-Total (A)
Current Liabilities
Provisions
Sub-Total (B)
Net Current Assets (C) = (A B)
Miscellaneous Expenditure
(To the Extent Not Written off or Adjusted)
Debit Balance In Profit & Loss Account
(Shareholders Account)
Debit Balance In Policyholders A/c
4905
5354
10259
4213
195
4408
5851
6138
3511
9649
5054
84
5138
4511
115640
24089
30271
56203
41
525
215319
126951
342269
135411
7247
142658
199611
2135
2873
2184
117626 4691646 5231895
1424
115640
230340
89416
319756
125364
7030
132394
187362
8290
56203
84148
1
37162 1828155 2297814
1111
33140
30069
168299
2706
271005
100000
2013
27944
111893
3672
215565
9940
6869
100000
2012
23200
2013
SBI
23200
2012
SAHARA
202247
14495
5739
20234
13541
429
13970
6264
18833
23884
151072
30
2163
11
202247
151072
176657
25585
25579
8079
17500
2012
196339
15805
7472
23277
16347
768
17115
6161
24462
40512
122980
44
2179
63
196339
122980
162477
39497
16272
27
33798
17500
2013
SHRIRAM
395385
14234
9495
2880
299173
10906
17328
28233
18312
47
18359
9875
22156
108197
237865
93
2964
395385
237864
353457
115725
(132)
17000
(73)
41927
25000
2013
13976
9867
23843
17896
38
17933
5910
25848
65216
187073
2
2750
299173
187072
257262
70167
23
17000
(89)
41912
25000
2012
st
1573612
129776
14096
31489
45585
61938
363
62300
(16716)
57815
460076
930871
9051
2739
23105
1573612
931444
1355189
418985
4760
(33)
195317
195350
2012
2493138
12410
7581
1298848
5443
3817420
799
2012
TOTAL
1548036
7179
4109444
132
2551829
2400
2013
1619657
250225
7033
5244077
5895473
11139551
2767028
1679104
4446132
6693419
1442727
244220
9359133
6512239
15871372
2218604
1737793
3956397
11914974
782
96621
18319
36060
54379
57204
356
57560
(3181)
10534
71632
1886583
2479755
570479 113394799 127514361
955691 38168296 35060227
13253
8692646
9138050
7352
427892
445723
18237
318295
304592
1711848 171151082 188240820
8954392
8358374
7045
7045
530494 120853958 141649404
630042
618889
960187 36569131 33192940
1498185 167014567 183826651
7503
76
195426
195350
2013
TATA AIA
(` Lakh)
Contd... STATEMENT 23
2012-13
737.03
605.77
(26.67)
39.21
(1614.56)
1806.90
4.60
4.72
1540.58
1580.52
TOTAL (A)
640.98
4037.12
513.48
3912.89
Commission
11.87
9.21
47.78
84.00
2.94
(30.47)
18.23
19.95
8.72
0.00
603.02
3995.58
37.96
41.54
37.96
41.54
Others
Provision for Bad & Doubtful Debts
Provision for Taxation
Provision for diminution in investment
TOTAL (B)
Operating Profit/(Loss) C = (A - B)
APPROPRIATIONS
Transfer to Shareholders' Account
Transfer to Catastrophe Reserve
Transfer to Other Reserves
TOTAL (C )
Note: Figures in brackets indicate negative values.
169
2011-12
2012-13
37.96
41.54
37.96
41.54
37.96
41.54
37.96
41.54
APPROPRIATIONS
(a) Interim dividends paid during the year
(b) Proposed final dividend
(c) Dividend distribution tax
(d) Transfer to any Reserves or Other Accounts
(e) Transfer to General Reserve
(f) Balance of profit/ loss brought forward from last year
(g) Balance carried forward to Balance Sheet
37.96
41.54
OPERATING PROFIT/(LOSS)
(a) Fire Insurance
(b) Marine Insurance
(c) Miscellaneous Insurance
INCOME FROM INVESTMENTS
(a) Interest, Dividend & Rent Gross
(b) Profit on sale of investments
Less: Loss on sale of investments
OTHER INCOME
TOTAL (A)
PROVISIONS (Other than taxation)
(a) For diminution in the value of investments
(b) For doubtful debts
(c) Others
OTHER EXPENSES
(a) Expenses other than those related to Insurance Business
(b) Bad debts written off
(c) Others
TOTAL (B)
Profit Before Tax
Provision for Taxation
170
2012
2013
20187.34
18380.44
35.56
35.56
0.70
0.00
20223.60
18416.00
20007.30
18258.24
52.19
90.00
549.12
530.90
601.31
620.90
Current Liabilities
311.96
382.78
73.05
80.36
385.01
463.14
216.30
157.76
20223.60
18416.00
SOURCES OF FUNDS
Share Capital
Policy Liabilities
Reserves and Surplus
Fair value change account
Borrowings
TOTAL
APPLICATION OF FUNDS
Investments
Loans
Fixed Assets
Current Assets
Cash and Bank Balances
Provisions
TOTAL
171
Insurer
2010-11
2011-12
2012-13
Lapse Ratio#
(Based on number
of policies)
Number of
Sum
Number of
Sum
Number of
Sum
2010-11 2011-12 2012-13
policies
Assured
policies
Assured
policies
Assured
(%)
(%)
(%)
AEGON RELIGARE
3.52
671.16
7.88
297.39
33.08
2934.11
8.7
17.4
28.5
33.28
1290.80
57.11
3142.86
63.02
5969.41
31.0
27.8
21.7
156.33
4944.94
454.58
11943.75
459.24
9940.77
10.7
21.4
18.7
26.81
939.37
51.04
2208.42
78.01
2054.52
18.9
36.1
42.7
BIRLA SUNLIFE
666.16
2647.13
461.37
7205.80
528.40
12344.33
71.6
51.0
61.3
CANARA HSBC
0.22
58.99
5.44
241.15
9.07
300.24
2.7
23.9
21.5
DLF PRAMERICA
2.16
137.90
14.24
353.13
35.22
807.47
19.4
30.6
33.6
EDELWEISS TOKIO
NA
NA
0.26
10.30
5.58
319.58
NA
0.0
39.9
FUTURE GENERALI
68.33
1594.34
176.72
8578.75
105.11
0.43
24.6
48.9
29.6
HDFC STANDARD
80.54
2777.51
73.8
3217.56
109.52
5624.63
5.0
4.2
5.6
ICICI PRUDENTIAL
547.89
16581.87
525.42
10109.19
511.29
9538.24
46.5
41.9
34.1
4.70
196.81
16.14
919.25
35.76
790.47
5.6
10.7
15.9
0.00
0.18
19.71
3.53
193.15
0.0
4.4
14.2
ING LIFE
76.73
1195.07
108.86
2002.84
110.83
2508.68
13.9
12.3
13.4
KOTAK MAHINDRA
25.63
1614.21
52.94
3629.14
63.68
4652.44
11.6
16.0
14.6
209.28
7677.97
240.09
7365.45
236.22
7956.93
13.3
12.6
10.9
79.12
15825.79
88.35
2787.82
61.98
0.25
30.7
29.8
17.0
202.12
2362.68
793.652
8200.19
588.82
9614.35
15.7
38.5
25.8
SAHARA
20.66
296.17
24.03
350.54
36.06
493.52
15.5
13.8
16.9
SBI LIFE
54.37
2035.08
109.023
3991.71
202.30
0.79
6.6
9.4
12.3
SHRIRAM LIFE
8.68
154.20
10.34
205.47
57.40
1605.38
15.5
8.6
27.7
4.42
70.29
14.51
220.17
35.04
530.88
17.9
23.4
29.0
297.01
5363.50
253.481
6400.60
161.43
3880.55
33.4
28.3
18.7
14819.45
13.44
4.9
5.0
5.6
AVIVA
BAJAJ ALLIANZ
BHARTI AXA
IDBI FEDERAL
INDIA FIRST
MAX LIFE
PNB METLIFE
RELIANCE
TATA AIA
LIC
11483.44
172
2010-2011
37
2011-12
13
25
49
AEGON RELIGARE
62.00
42.00
NA
NA
AVIVA
53.00
42.00
31.00
BAJAJ ALLIANZ
56.31
80.96
BHARTI AXA
60.00
BIRLA SUNLIFE
61
2012-13
13
25
37
13
25
37
49
NA
57.00
54.00
30.00
NA
NA
49.00
47.00
42.00
22.00
NA
27.00
24.00
58.00
47.00
25.00
24.00
19.00
59.00
41.00
31.00
18.00
NA
18.91
61.61
72.58
54.57
85.76
19.03
51.85
43.50
48.89
43.44
13.95
7.47
4.02
49.00
55.00
29.00
NA
58.20
51.60
46.80
52.20
39.60
45.00
42.00
50.00
36.00
32.00
83.00
77.00
72.00
64.00
55.00
82.00
77.00
72.00
62.00
53.00
49.00
49.00
52.00
42.00
40.00
CANARA HSBC
85.00
91.00
NA
NA
NA
79.60
88.90
64.70
NA
NA
65.00
84.00
72.00
83.00
NA
DLF PRAMERICA
48.35
31.85
NA
NA
NA
48.94
40.96
33.16
NA
NA
43.64
41.34
26.75
NA
NA
EDELWEISS TOKIO
NA
NA
NA
NA
NA
NA
NA
NA
NA
NA
46.00
NA
NA
NA
NA
FUTURE GENERALI
55.46
50.19
NA
NA
NA
47.95
48.38
51.54
NA
NA
39.82
36.70
23.35
14.17
6.81
HDFC STANDARD
71.97
88.17
52.35
71.73
84.56
75.35
88.11
63.50
66.38
78.40
69.00
67.00
48.00
34.00
23.00
ICICI PRUDENTIAL
75.80
88.70
30.10
46.30
65.20
77.00
86.70
31.80
50.60
65.30
67.00
63.00
28.00
14.00
10.00
IDBI FEDERAL
71.65
88.57
NA
NA
NA
66.38
85.91
83.55
NA
NA
70.00
61.00
43.00
20.00
NA
INDIA FIRST
71.49
NA
NA
NA
NA
72.43
71.56
NA
NA
NA
64.00
61.00
47.00
NA
NA
ING VYSYSA
67.70
51.00
26.60
23.00
16.10
65.00
55.00
38.00
36.00
38.00
56.00
50.00
38.00
30.00
24.00
KOTAK MAHINDRA
70.00
60.00
49.00
40.00
39.00
70.00
61.00
50.00
40.00
40.00
64.00
61.00
38.00
28.00
33.00
MAX LIFE
70.00
60.00
49.00
40.00
39.00
75.00
62.00
42.00
39.00
31.00
70.00
57.00
42.00
27.00
26.00
PNB METLIFE
66.18
59.66
55.04
51.16
47.92
63.56
56.84
50.32
47.44
44.82
71.22
66.33
63.81
62.48
61.36
RELIANCE
52.70
81.50
34.40
74.50
85.80
55.90
78.10
29.10
70.30
76.70
61.52
53.16
21.03
17.87
21.09
SAHARA
73.55
63.13
44.06
45.80
49.23
73.73
65.14
43.04
39.92
41.74
57.00
50.00
34.00
28.00
24.00
SBI LIFE
68.81
49.69
21.30
24.19
40.73
71.77
60.52
20.54
16.27
23.35
67.34
60.36
36.18
18.40
17.02
SHRIRAM
51.20
45.90
23.70
26.00
26.30
51.40
82.30
39.10
80.30
84.70
30.00
27.00
9.00
5.00
4.00
65.00
36.00
NA
NA
NA
65.00
56.00
49.00
NA
NA
45.00
46.00
35.00
33.00
NA
TATA AIA
36.87
17.00
18.32
20.45
26.56
44.71
18.10
17.32
16.13
14.03
49.00
39.00
24.00
21.00
18.00
LIC OF INDIA
64.00
58.00
47.00
53.00
49.00
67.00
61.00
53.00
46.00
51.00
70.00
63.00
58.00
53.00
43.00
Note * Persistency ratio for 13th, 25th, 37th, 49th and 61st months.
NA: Not Applicable.
The Analysis is based on persistency on number of policies.
Source: AAAR as at 31.03.2013
173
49
61
61
As on
1st April, 2012
Additions
Deletions
As on
31st March, 2013
7313
2270
5095
4488
19126
7302
8958
17470
173146
17680
42826
148000
14842
7505
9078
13269
BIRLA SUNLIFE
131297
26430
50904
106823
CANARA HSBC
7122
1902
3537
5487
EDELWEISS TOKIO
825
2608
32
3401
FUTURE GENERALI
41281
3864
17708
27437
HDFC STANDARD
106244
11004
39745
77503
ICICI PRUDENTIAL
138883
28257
19593
147547
IDBI FEDERAL
7400
3902
2771
8531
INDIA FIRST
1658
1322
21
2959
ING LIFE
29396
23200
24068
28528
KOTAK MAHINDRA
31297
14267
11824
33740
MAX LIFE
35368
20511
20495
35384
PNB METLIFE
29418
9610
14914
24114
150590
42524
69076
124038
SAHARA
14578
282
3844
11016
SBI LIFE
86989
41570
34421
94138
6380
19
1048
5351
550
807
168
1189
46948
16550
34137
29361
PRIVATE TOTAL
1080651
283386
414263
949774
LIC
1278234
281766
387017
1172983
INDUSTRY TOTAL
2358885
565152
801280
2122757
AEGON RELIGARE
AVIVA
BAJAJ ALLIANZ
BHARTI AXA
DLF PRAMERICA
RELIANCE
SHRIRAM LIFE
STAR UNION DAI-ICHI
TATA AIA
174
As on
1st April, 2012
Additions
Deletions
As on
31st March, 2013
11
10
246
22
58
210
BIRLA SUNLIFE
90
28
61
57
CANARA HSBC
10
13
EDELWEISS TOKIO
FUTURE GENERALI
HDFC STANDARD
ICICI PRUDENTIAL
14
11
IDBI FEDERAL
INDIA FIRST
ING LIFE
KOTAK MAHINDRA
24
10
11
23
MAX LIFE
23
20
PNB METLIFE
10
11
RELIANCE
45
37
14
SAHARA
SBI LIFE
73
46
36
83
SHRIRAM LIFE
13
PRIVATE TOTAL
642
140
250
532
LIC
240
21
54
207
INDUSTRY TOTAL
882
161
304
739
AEGON RELIGARE
AVIVA
BAJAJ ALLIANZ
BHARTI AXA
DLF PRAMERICA
TATA AIA
175
INDIVIDUAL AGENT
CORPORATE AGENT
2008-09 2009-10 2010-11 2011-12 2012-13 2008-09 2009-10 2010-11 2011-12 2012-13
AEGON RELIGARE
223
359
973
1125
548
AVIVA
1211
1667
3870
7067
5870
BAJAJ ALLIANZ
1824
1286
1247
1717
1042
BHARTI AXA
2535
1371
560
74
475
BIRLA SUNLIFE
585
2471
1465
2597
2484
CANARA HSBC
--
--
--
--
--
23819
24964
18549
10233
12224
DLF PRAMERICA
26
675
630
1839
4277
EDELWEISS TOKIO
NA
NA
NA
12
NA
NA
NA
--
94
FUTURE GENERALI
--
27040
17432
6203
4591
HDFC STANDARD
428
704
1751
47211
56628
ICICI PRUDENTIAL
7723
7413
13195
16328
28843
10
2061
2226
7951
10292
26506
INDIA FIRST
--
--
--
70756
27792
14468
11297
ING LIFE
804
1178
116
84
5498
KOTAK MAHINDRA
1523
686
970
2221
2467
13
6518
4060
5031
7460
12393
PNB METLIFE
4740
4213
2800
9489
12740
RELIANCE
7448
5840
6412
6072
6608
SAHARA
235
518
325
121
130
SBI LIFE
11
13
5659
4405
3118
3820
4610
SHRIRAM LIFE
2314
2642
1506
4286
10030
--
--
12
13245
54096
17719
16333
16477
TATA AIA
1166
1155
1945
2823
1981
PRIVATE AVERAGE
1857
2289
1976
2533
5064
LIC
28
28
26
27
29
2190
1606
1708
2194
2569
INDUSTRY AVERAGE
16
15
15
16
18
1908
2172
1933
2474
4376
IDBI FEDERAL
MAX LIFE
176
INDIVIDUAL AGENT
CORPORATE AGENT
2008-09
2009-10
2010-11
2011-12
2012-13
2008-09
2009-10
2010-11
2011-12
2012-13
AEGON RELIGARE
0.66
1.10
1.02
1.05
0.80
37.65
116.00
552.51
504.77
137.17
AVIVA
0.95
0.96
1.05
1.13
1.03
310.89
469.00
1295.60
2260.40
1917.17
BAJAJ ALLIANZ
1.13
1.16
0.80
0.66
0.72
196.24
110.39
124.02
198.33
127.48
BHARTI AXA
0.72
0.77
0.70
0.81
0.67
445.46
384.20
228.31
26.08
79.83
BIRLA SUNLIFE
1.17
0.84
0.71
0.58
0.56
285.36
180.23
143.56
251.58
378.64
CANARA HSBC
--
--
--
--
--
19759.10
15399.50
11631.39
6695.57
5918.85
1.94
1.73
1.23
0.90
0.97
1.66
101.68
109.12
202.45
349.93
EDELWEISS TOKIO
--
--
--
1.70
1.21
--
--
--
--
20.73
FUTURE GENERALI
0.85
0.61
0.40
0.30
0.22
0.00
3094.71
1557.25
736.50
518.70
HDFC STANDARD
0.67
0.62
0.64
0.48
0.60
196.79
389.06
1166.84
25717.58
27956.30
ICICI PRUDENTIAL
1.00
0.98
1.07
0.84
0.86
3509.27
4821.60
12953.60
8884.11
13286.54
IDBI FEDERAL
1.70
1.31
1.32
0.82
0.81
1114.00
1149.23
4283.57
4597.35
7579.84
--
--
3.69
2.26
0.85
--
20159.00
12703.38
4833.48
2994.16
ING LIFE
0.73
0.56
0.91
1.30
1.43
214.56
383.04
34.13
37.90
2105.68
KOTAK MAHINDRA
1.23
1.24
1.06
0.76
0.55
349.95
407.71
603.76
1638.20
1686.16
MAX LIFE
1.99
1.56
1.79
1.62
1.68
905.88
550.11
1195.16
2348.71
4600.00
PNB METLIFE
0.81
0.57
0.82
1.25
0.81
1868.75
1630.28
1037.59
3866.76
4249.07
RELIANCE
0.74
0.91
0.81
0.53
0.45
706.10
446.56
447.69
540.85
879.08
SAHARA
0.99
0.75
0.64
0.49
0.48
17.40
58.42
26.16
7.05
8.10
SBI LIFE
3.93
3.65
3.55
2.08
1.63
2024.16
1792.47
1861.58
1769.24
1598.01
SHRIRAM LIFE
1.10
1.10
1.49
1.76
1.58
448.32
532.92
335.25
879.28
1546.73
--
--
0.37
1.73
0.66
4584.65
24520.00
10723.71
7944.56
6097.72
TATA AIA
0.89
0.66
0.67
0.70
0.58
288.29
232.57
342.55
602.02
420.18
PRIVATE AVERAGE
1.10
1.01
0.99
0.81
0.79
443.79
492.56
594.82
816.29
1699.61
LIC
3.10
3.59
3.75
3.14
3.28
232.84
235.62
313.42
444.90
619.65
INDUSTRY AVERAGE
2.03
2.21
2.34
2.03
2.15
411.21
448.84
550.36
751.08
1401.81
DLF PRAMERICA
INDIA FIRST
177
INDIVIDUAL AGENT
CORPORATE AGENT
2008-09 2009-10 2010-11 2011-12 2012-13 2008-09 2009-10 2010-11 2011-12 2012-13
AEGON RELIGARE
10217
26564
26311
29138
24712
16894
32276
56801
44861
25030
AVIVA
13578
30143
37138
37827
38893
25666
28134
33475
31987
32661
BAJAJ ALLIANZ
19089
23176
20535
21557
24959
10757
8584
9949
11548
12230
BHARTI AXA
12151
22939
17136
20247
21632
17574
28014
40758
35057
16820
BIRLA SUNLIFE
13625
19748
20986
17443
19820
48821
7295
9799
9686
15246
CANARA HSBC
--
--
--
--
--
82954
61687
62707
65432
48421
34213
24749
25029
19379
24744
6374
15069
17311
11006
8181
EDELWEISS TOKIO
NA
NA
NA
13688
15526
NA
NA
NA
--
22057
FUTURE GENERALI
12822
16189
20026
16971
19922
--
11445
8934
11873
11298
HDFC STANDARD
18190
18924
23819
17411
14604
46025
55255
66657
54473
49369
ICICI PRUDENTIAL
22855
30768
37525
36621
44435
45439
65046
98174
54411
46066
IDBI FEDERAL
17658
32199
30459
26732
24517
54045
51620
53875
44671
28596
--
--
82490
41601
12078
--
28491
45709
33407
26503
ING LIFE
16643
18256
21547
22970
30578
26693
32512
29321
44952
38297
KOTAK MAHINDRA
27961
32471
32337
29562
29355
22970
59391
62258
73762
68351
MAX LIFE
15417
21183
24089
26226
27426
13897
13550
23754
31484
37119
PNB METLIFE
25490
26275
30379
39833
30232
39425
38697
37052
40751
33352
RELIANCE
17112
18931
21077
14692
15420
9481
7647
6982
8907
13304
SAHARA
11840
12779
13417
10094
9522
7414
11277
8041
5819
6209
SBI LIFE
35976
29013
46088
32699
28678
35770
40695
59699
46315
34661
SHRIRAM LIFE
26528
29913
52354
32043
30269
19376
20172
22261
20513
15421
--
--
13022
14911
13544
34614
45327
60522
48642
37008
TATA AIA
12608
16783
21669
28344
20222
24722
20128
17608
21329
21208
PRIVATE AVERAGE
18977
23027
27002
23912
24457
23900
21523
30109
32222
33562
LIC
11227
12940
14159
11698
11143
10634
14676
18350
20280
24123
INDUSTRY AVERAGE
12731
14497
15792
12966
12257
21549
20662
28468
30363
32034
DLF PRAMERICA
INDIA FIRST
178
179
4
0
1
0
2
1
7
3
1
1
1
6
4
6
15
0
0
0
0
3
5
2
1
8
0
7
0
6
0
3
0
0
6
0
0
93
AEGON
3
0
6
4
2
1
7
7
0
1
3
7
7
6
17
0
1
0
0
6
9
6
0
6
1
10
1
12
0
1
0
0
8
0
0
132
AVIVA
78
1
26
53
16
2
54
19
13
17
37
49
74
55
89
1
3
1
0
47
36
50
3
63
2
98
16
66
0
5
0
0
17
0
1
992
BAJAJ
ALLIANZ
9
0
2
2
2
1
10
6
1
1
4
7
8
5
18
0
0
0
0
4
6
4
0
9
0
13
3
7
0
1
0
0
4
0
0
127
BHARTI
AXA
55
1
18
35
11
3
39
21
5
3
18
38
32
27
67
1
3
1
2
24
32
28
1
45
1
66
5
42
0
1
0
0
14
0
1
640
BIRLA
SUNLIFE
2
0
1
1
0
0
1
4
0
0
0
3
2
1
3
0
0
0
0
1
2
1
0
3
0
3
0
1
0
1
0
0
2
0
0
32
CANARA
HSBC
1
0
1
0
0
0
4
8
1
1
0
1
1
2
4
0
0
0
0
1
15
5
0
1
0
5
1
1
0
1
0
0
2
0
0
56
DLF
PRAMERICA
2
0
0
1
0
1
6
3
0
0
2
2
1
0
14
0
0
0
0
1
3
0
0
0
0
7
0
1
0
1
0
0
3
0
0
48
EDELWEISS
TOKIO
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
49
1
11
20
8
2
42
19
9
6
14
25
36
27
55
1
1
1
1
20
32
26
1
40
1
49
6
37
1
1
1
0
13
0
1
557
HDFC#
ICICI**
STANDARD PRUDENTIAL
5
0
1
2
1
2
4
2
0
0
2
3
5
2
10
0
0
0
0
1
2
3
0
3
0
6
1
4
0
1
0
0
2
0
0
62
IDBI
FEDERAL
3
0
1
1
1
1
3
1
0
0
1
2
2
3
4
0
0
0
0
1
1
2
0
2
0
3
1
1
0
1
0
0
1
0
0
36
INDIA
FIRST
STATEMENT 34
4
0
1
0
0
1
0
0
99
4
4
1
1
3
2
4
4
14
0
0
0
0
2
3
5
0
5
0
21
5
0
1
13
1
FUTURE
GENERALI
180
39
0
1
0
1
1
6
6
1
2
1
28
15
6
13
0
0
0
0
5
9
13
0
36
0
15
2
2
0
1
0
0
3
0
1
207
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
10
0
4
1
3
1
31
15
0
1
3
10
11
6
33
0
0
0
0
1
13
8
0
11
0
18
2
7
0
1
1
0
8
0
1
200
KOTAK
MAHINDRA
20
0
2
3
4
4
29
20
5
2
4
10
11
8
38
0
1
0
0
8
27
14
0
17
1
26
6
10
0
1
0
0
16
0
1
288
MAX LIFE
ING
LIFE
3
4
3
1
14
6
1
9
3
9
20
5
16
0
0
0
0
5
10
4
0
16
0
14
1
12
0
1
0
0
6
0
1
177
13
PNB
METLIFE
133
2
33
43
12
5
83
39
18
14
20
78
62
59
112
0
3
1
1
35
49
58
2
102
3
136
23
75
0
1
0
1
24
0
3
1230
RELIANCE
10
0
4
20
1
0
8
7
0
0
7
3
0
6
3
0
0
0
0
5
1
15
0
1
0
39
2
8
0
1
0
0
1
0
0
142
SAHARA
69
3
19
29
18
6
37
25
13
5
18
43
58
40
76
1
3
1
3
29
31
28
1
62
3
60
10
47
1
4
0
0
14
0
1
758
SBI LIFE
83
0
0
2
2
0
5
3
1
0
5
3
11
9
6
0
0
0
0
3
4
7
0
35
0
6
2
1
0
1
0
0
4
0
2
195
SHRIRAM
4
0
3
5
1
1
3
1
0
0
4
1
1
3
13
0
1
0
0
1
2
3
0
3
0
5
0
1
0
1
0
0
1
0
0
58
STAR
UNION DAIICHI
8
0
12
9
4
1
10
10
1
0
5
6
10
3
18
0
0
1
0
7
3
5
0
17
2
13
1
27
0
1
0
0
5
0
1
180
TATA AIA
642
9
159
255
101
36
434
242
75
66
161
368
431
311
683
5
18
7
8
221
314
306
10
521
15
657
88
396
2
33
2
1
167
0
15
6759
STATE
TOTAL
(PRIVATE)
286
3
78
132
65
16
192
75
39
28
71
232
190
207
368
5
4
1
3
118
104
188
2
332
16
372
49
246
2
9
1
1
82
0
9
3526
LIC
928
12
237
387
166
52
626
317
114
94
232
600
621
518
1051
10
22
8
11
339
418
494
12
853
31
1029
137
642
4
42
3
2
249
0
24
10285
STATE
TOTAL
(INDUSTRY)
Contd... STATEMENT 34
Geo-Classification of offices **
Metro
Urban
Unclassifed
Total
AEGON RELIGARE
29
51
13
93
AVIVA
27
44
61
132
BAJAJ ALLIANZ
67
146
779
992
BHARTI AXA
21
59
47
127
BIRLA SUNLIFE
66
107
467
640
CANARA HSBC
10
18
32
26
23
56
EDELWEISS TOKIO
12
25
11
48
FUTURE GENERALI
45
45
99
HDFC STANDARD #
48
88
314
450
ICICI PRUDENTIAL ##
53
87
417
557
IDBI FEDERAL
12
38
12
62
22
36
ING LIFE
20
58
129
207
KOTAK MAHINDRA
39
69
92
200
MAX LIFE
48
91
149
288
PNB METLIFE
24
63
90
177
RELIANCE
92
145
993
1230
SAHARA
40
95
142
SBI LIFE
38
145
575
758
SHRIRAM LIFE
26
60
109
195
36
14
58
33
56
91
180
703
1519
4537
6759
368
614
2544
3526
1071
2133
7081
10285
DLF PRAMERICA
INDIA FIRST
181
Andhra Pradesh
Assam
Arunachal Pradesh
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Naga Land
Orissa
Punjab
Rajasthan
Sikkim
Tamilnadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagar Haveli
Daman & Diu
Delhi
Lakshadweep
Pudicherry
Total
No. of
Districts
23
27
16
38
18
2
26
21
12
22
24
30
14
50
35
9
7
8
11
30
20
33
4
32
4
71
13
19
3
1
1
2
9
1
4
640
LIC
Private
Either LIC
or Private
LIC
Private
None
23
25
2
38
15
2
24
21
11
15
22
30
14
49
35
4
4
1
3
30
20
33
2
32
4
71
13
19
2
1
1
1
9
0
3
579
23
21
3
35
14
2
25
20
10
13
23
30
14
47
35
2
3
1
3
26
20
33
2
32
3
69
12
19
1
1
1
1
9
0
2
555
23
26
3
38
16
2
25
21
11
15
24
30
14
49
35
5
4
1
3
30
20
33
2
32
4
71
13
19
2
1
1
1
9
0
4
587
0
2
14
0
3
0
2
0
1
7
2
0
0
1
0
5
3
7
8
0
0
0
2
0
0
0
0
0
1
0
0
1
0
1
1
61
0
6
13
3
4
0
1
1
2
9
1
0
0
3
0
7
4
7
8
4
0
0
2
0
1
2
1
0
2
0
0
1
0
1
2
85
0
1
13
0
2
0
1
0
1
7
0
0
0
1
0
4
3
7
8
0
0
0
2
0
0
0
0
0
1
0
0
1
0
1
0
53
182
183
West Bengal
1894
88
1739
86
1364
329
593
73
851
626
818
24
26
44
19
1933
655
266
1149
319
104
171
1110
714
82
156
742
600
832
56
AVIVA
99
2636
230
13669
1391
18181
697
4493
390
4100
4189
13338
14
224
122
108
12177
6324
5088
4302
7299
1951
1667
2348
7576
275
2836
16834
5425
9839
163
BAJAJ
ALLIANZ
Puducherry
Company Total
Lakshadweep
147
Delhi
15
Chandigarh
24
170
Uttarakhand
459
Uttar Pradesh
Tripura
459
36
Sikkim
Tamil Nadu
84
Rajasthan
189
Nagaland
313
0
18
Mizoram
Punjab
Meghalaya
Orissa
590
Maharashtra
Manipur
201
Madhya Pradesh
99
Jharkhand
277
39
245
66
Himachal Pradesh
Kerala
112
Haryana
Karnataka
417
37
109
Gujarat
Goa
Chattisgarh
49
12
Bihar
319
0
Andhra Pradesh
Arunachal Pradesh
Assam
AEGON
RELIGARE
13269
698
152
736
200
1520
821
11
458
569
475
1538
318
497
915
610
100
93
645
1019
34
183
303
321
1053
0
BHARTI
AXA
106823
95
2973
15
98
6586
672
13084
119
5431
68
5294
3971
4695
631
101
469
304
12607
4547
3374
4483
2898
168
731
4187
4756
460
2021
8275
4585
8966
149
BIRLA
SUNLIFE
0
0
5487
580
411
70
83
209
69
1960
23
26
48
13
102
996
896
1
0
CANARA
DLF
HSBC PRAMERICA
3401
250
36
37
338
299
43
1163
80
57
292
579
88
41
70
0
27437
672
52
1659
259
5135
1528
1512
632
1170
2633
1138
2716
589
1127
178
296
1466
816
119
43
1699
265
1733
0
EDELWEISS
FUTURE
TOKIO GENERALI
77503
6586
635
4129
190
7518
936
4067
44
2559
3133
1758
93
110
254
14723
3127
8034
3291
649
578
468
2350
4569
248
743
902
1425
4370
14
HDFC
STANDARD
147547
236
7882
978
54
8678
1090
14104
570
8156
85
7756
7114
6198
40
150
126
797
18113
4525
13096
5203
3799
1543
1872
4402
9980
188
1567
8675
2829
7729
12
ICICI
PRUDENTIAL
8531
404
67
386
123
943
494
659
325
116
10
30
836
162
675
467
296
42
298
599
124
35
381
206
827
17
IDBI
FEDERAL
2959
278
12
83
76
282
107
266
78
73
322
226
130
157
48
42
47
154
10
76
128
331
0
INDIA
FIRST
STATEMENT 37
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Islands
Chandigarh
Dadra & Nagrahaveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Company Total
5325
0
142
0
22
125
846
328
107
231
111
4193
1493
746
1605
0
0
0
0
946
1035
1680
0
5324
0
1972
142
844
0
81
0
0
1152
0
78
28528
950
0
855
8
20
3
6113
3610
0
6
415
1909
449
852
6985
0
0
0
0
184
1775
713
0
2071
0
1808
7
2069
0
573
76
0
2174
0
115
33740
ING
KOTAK
LIFE MAHINDRA
2539
1
152
318
407
599
3525
1289
394
229
602
1504
1245
905
7520
0
-1
0
0
549
1091
1667
0
1880
-1
3456
731
1021
1
421
0
-1
3281
0
60
35384
2245
34
413
298
319
82
1204
678
106
875
394
1810
2901
420
1993
3
1
0
9
812
1012
274
0
2177
7
1903
202
1911
2
174
7
6
1801
0
41
24114
MAX
PNB
LIFE METLIFE
9843
161
4998
8900
1671
376
7804
3741
1272
974
4179
3547
3060
8148
9133
0
268
98
1
5359
3081
5466
52
5922
958
21886
2329
5768
0
127
0
0
4769
0
147
124038
3339
0
0
23
115
1
4
6
0
0
129
300
84
258
251
0
0
0
0
50
1
5
0
693
0
36
8
0
0
1
0
0
35
0
12
5351
SBI SHRIRAM
LIFE
LIFE
425 9194
0
229
192 1922
2137 3713
141 2484
0
462
452 3771
119 2902
0 1457
0
499
510 2446
134 4670
0 7084
390 5516
103 10217
0
48
0
138
0
98
0
144
338 4427
35 2193
1241 3206
0
57
96 10460
0
250
3675 8219
153 1144
558 5018
0
51
74
203
0
0
0
0
243 1678
0
0
0
238
11016 94138
RELIANCE SAHARA
TATA
AIA
11 1418
0
8
298 1590
481 1303
9
365
0
58
13 1976
3 2079
0
221
0
10
102
864
0
849
1 2220
34
344
24 2520
0
20
40
16
0
6
0
40
14 1281
6
250
0
973
0
1
0 3944
0
339
114 1840
0
126
29 3851
0
0
4
55
0
0
0
2
6
603
0
0
0
189
1189 29361
STAR
UNION
DAI-ICHI
71359
88870
844
373
26396
26764
55121
50324
13257
10774
3368
4253
57783
61816
33008
20949
9116
11930
7510
5515
26953
16739
39877
69892
52664
57928
38864
46767
107009 173172
1336
1121
1481
252
817
315
1024
841
42833
31878
33688
39240
38835
72449
819
677
58717
87639
4205
3202
108046 126911
9039
12525
59011 106912
126
571
4481
4180
97
32
31
131
40742
36538
1
2
1316
1501
949774 1172983
PRIVATE
TOTAL
(STATE WISE)
160229
1217
53160
105445
24031
7621
119599
53957
21046
13025
43692
109769
110592
85631
280181
2457
1733
1132
1865
74711
72928
111284
1496
146356
7407
234957
21564
165923
697
8661
129
162
77280
3
2817
2122757
INDUSTRY
TOTAL
(STATE WISE)
Contd... STATEMENT 37
184
Individual Category
Group Category
No. of Policies
Premium
No. of
Schemes
Premium
Lives covered
9789
58.52
68.43
84645
BAJAJ ALLIANZ
BHARTI AXA
BIRLA SUNLIFE
123147
53.88
45
16.18
41899
CANARA HSBC
0.05
52
DLF PRAMERICA
34
0.97
107257
EDELWEISS TOKIO
FUTURE GENERALI
HDFC STANDARD
221276
442.55
ICICI PRUDENTIAL
296323
306.12
IDBI FEDERAL
68.04
150660
INDIA FIRST
ING LIFE
KOTAK MAHINDRA
MAX LIFE
5886
23.45
SAHARA
10940
72.89
SBI LIFE
695
2.28
50
106.28
68714
SHRIRAM LIFE
21
496.96
304223
STAR UNION
27848
59
695904
1018.54
151
756.89
757450
LIC
4340235
9949.05
5325
21045.76
13223872
INDUSTRY TOTAL
5036139
10967.59
5476
21802.65
13981322
AEGON RELIGARE
AVIVA
PNB METLIFE
RELIANCE
TATA AIA
PRIVATE TOTAL
Note: New business premium includes first year premium and single premium.
185
186
HDFC STANDARD
ICICI PRUDENTIAL
IDBI FEDERAL
INDIA FIRST
ING LIFE
0.01
38
923
1506
574
13
35
0.40
133.80
66.26
74.08
2.26
Benefit
Amount
32
91.43%
No. of
Policies
8.32
88.80%
549
95.64%
67.31
90.86%
39
0.41
39
0.41
100.00% 100.00% 100.00% 100.00%
923 133.80
923
133.80
100.00% 100.00% 100.00% 100.00%
1506
66.26
1506
66.26
100.00% 100.00% 100.00% 100.00%
574
74.08
100.00% 100.00%
17
2.96%
4.49
6.06%
3
1.05
8.57% 11.20%
8
1.39%
2.28
3.08%
Benefit
Amount
Claims pending
at end of the
period
Benefit
No. of
Amount Policies
Claims written
back
Benefit
No. of
Amount Policies
Claims
repudiated
Benefit
No. of
Amount Policies
Claims paid
13
2.26
13
2.26
100.00% 100.00% 100.00% 100.00%
35
9.37
100.00% 100.00%
No. of
Policies
Total Claims
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
CANARA HSBC
FUTURE GENERALI
BIRLA SUNLIFE
BHARTI AXA
EDELWEISS TOKIO
BAJAJ ALLIANZ
AVIVA
DLF PRAMERICA
Benefit
Amount
No. of
Policies
No. of
Policies
Benefit
Amount
Claims intimated/
booked
Claims pending
at start of the
year
AEGON RELIGARE
Insurer
8
100.00%
8
100.00%
Total
STATEMENT 39
Total Claims
187
3
17
20
MAX LIFE
PNB METLIFE
RELIANCE
SAHARA
SBI LIFE
SHRIRAM LIFE
TATA AIA
PRIVATE TOTAL
LIC
INDUSTRY TOTAL
3.33
3.18
0.15
0.14
326.59
39.02
1.39
15022 2297.41
11736 1970.82
3286
189
14900
99.06%
15042 2300.74
100.00% 100.00%
11647
99.10%
11753 1974.00
100.00% 100.00%
3253
98.91%
326.74
3289
96.30%
100.00% 100.00%
100.00% 100.00%
182
39.02
189
9
90.00%
1.53
10
100.00% 100.00%
No. of
Policies
Claims
repudiated
Claims written
back
Claims pending
at end of the
period
98.68%
2270.42
99.03%
1954.95
96.55%
315.47
91.30%
35.62
96.73%
1.48
0.62%
93
0.57%
67
0.79%
26
3.17%
0.91%
20.88
0.62%
12.30
2.63%
8.58
7.80%
3.04
0.02%
0.03%
0.01%
0.20
0.01%
0.20
0.31%
46
0.31%
36
0.30%
10
0.53%
10.00%
0.40%
9.23
0.33%
6.55
0.82%
2.68
0.91%
0.35
3.27%
0.05
Benefit
No. of Benefit
No. of Benefit
No. of Benefit
Amount Policies Amount Policies Amount Policies Amount
Claims paid
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
No. of Benefit
No. of Benefit
No. of Benefit
Policies Amount Policies Amount Policies Amount
KOTAK MAHINDRA
Insurer
82.61%
38
100.00%
36
20.00%
100.00%
100.00%
17.39%
80.00%
Total
10
36
46
100.00%
100.00%
100.00%
100.00%
100.00%
Contd... STATEMENT 39
188
HDFC STANDARD
ICICI PRUDENTIAL
IDBI FEDERAL
INDIA FIRST
Benefit
Amount
793
46
360
No. of
Lives
66.93
6.10
76.47
Benefit
Amount
Claims intimated
/ booked
Benefit
Amount
793
66.93
100.00% 100.00%
46
6.10
100.00% 100.00%
360
76.47
100.00% 100.00%
No. of
Lives
Total Claims
740
93.32%
34.00
73.91%
359
99.72%
No. of
Lives
64.86
96.90%
4.08
66.89%
76.24
99.71%
Benefit
Amount
Claims paid
53
6.68%
1
0.28%
No. of
Lives
2.07
3.10%
0.23
0.29%
Benefit
Amount
Claims
repudiated
No. of
Lives
Benefit
Amount
Claims written
back
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
CANARA HSBC
FUTURE
GENERALI
BIRLA SUNLIFE
BHARTI AXA
EDELWEISS TOKIO
BAJAJ ALLIANZ
AVIVA
DLF PRAMERICA
No. of
Lives
Claims pending
at start of the
year
AEGON RELIGARE
Insurer
12
26.09%
No. of
Lives
12
100.00%
Total
STATEMENT 40
2.02
12
33.11% 100.00%
Benefit
Amount
Claims pending
at end of the
period
189
14
469
483
TATA AIA
PRIVATE TOTAL
LIC
INDUSTRY TOTAL
3636
1339
875
223
829.31
354.40
300.57
24.84
Benefit
Amount
2.34
1.00
1.34
No. of
Lives
Benefit
Amount
144162 44161.06
100.00% 100.00%
140512 43329.41
100.00% 100.00%
3650
831.65
100.00% 100.00%
1339
354.40
100.00% 100.00%
877
301.57
100.00% 100.00%
235
26.18
100.00% 100.00%
No. of
Lives
Total Claims
824.63
99.16%
354.40
100.00%
299.57
99.34%
25.48
97.33%
Benefit
Amount
142815 43772.08
99.07% 99.12%
139242 42947.45
99.10% 99.12%
3573
97.89%
1339
100.00%
872
99.43%
229
97.45%
No. of
Lives
Claims paid
58
0.04%
58
1.59%
4
1.70%
2.80
0.01%
2.80
0.34%
0.50
1.91%
No. of Benefit
Lives Amount
Claims
repudiated
Note: First row across each insurer shows the absolute figures whereas second row shows percentage of the respective total claims.
SAHARA
RELIANCE
PNB METLIFE
SHRIRAM LIFE
MAX LIFE
KOTAK MAHINDRA
SBI LIFE
12
No. of Benefit
Lives Amount
ING LIFE
Insurer
No. of Benefit
Lives Amount
Claims written
back
1289
0.89%
1270
0.90%
19
0.52%
5
0.57%
2
0.85%
<3
months
386.18
0.87%
18
94.74%
1288
99.92%
1
0.08%
1
5.26%
2
100.00%
Total
1289
100.00%
1270
100.00%
19
100.00%
5
100.00%
>3
> 6 to
> 12
to 6
12
months
months months
4
1
80.00% 20.00%
381.96
1270
0.88% 100.00%
4.22
0.51%
2.00
0.66%
0.20
2
0.76% 100.00%
No. of Benefit
Lives Amount
Claims pending
at end of the
period
Contd... STATEMENT 40
FUTURE GENERALI
190
11647
14611
LIC
INDUSTRY TOTAL
165
2964
PRIVATE TOTAL
TATA AIA
SAHARA
RELIANCE
PNB METLIFE
SHRIRAM LIFE
MAX LIFE
SBI LIFE
KOTAK MAHINDRA
38
INDIA FIRST
ING LIFE
IDBI FEDERAL
918
EDELWEISS TOKIO
1343
DLF PRAMERICA
ICICI PRUDENTIAL
HDFC STANDARD
459
BHARTI AXA
CANARA HSBC
11
BAJAJ ALLIANZ
BIRLA SUNLIFE
27
No. of
Policies
2239.70
1954.95
284.75
27.49
0.34
0.40
132.70
58.71
56.23
1.97
6.90
Benefit
Amount
Within 30 Days of
Intimation
AVIVA
AEGON RELIGARE
Insurer
240
240
17
143
66
No. of
Policies
26.41
26.41
8.14
0.34
0.90
6.55
8.78
0.28
1.42
Benefit
Amount
31 to 90 Days
44
44
20
19
No. of
Policies
3.46
3.46
0.80
0.01
0.20
1.00
1.45
Benefit
Amount
91 to 180 Days
No. of
Policies
0.85
0.85
0.85
Benefit
Amount
Duration
No. of
Policies
Benefit
Amount
14900
11647
3253
182
39
923
1506
549
13
32
No. of
Policies
2270.42
1954.95
315.47
35.62
1.48
0.41
133.80
66.26
67.31
2.26
8.32
Benefit
Amount
STATEMENT 41
191
137225
139803
INDUSTRY TOTAL
2578
LIC
PRIVATE TOTAL
SHRIRAM LIFE
TATA AIA
849
451
SBI LIFE
SAHARA
RELIANCE
MAX LIFE
PNB METLIFE
152
KOTAK MAHINDRA
ING LIFE
INDIA FIRST
740
ICICI PRUDENTIAL
IDBI FEDERAL
HDFC STANDARD
FUTURE GENERALI
28
DLF PRAMERICA
EDELWEISS TOKIO
CANARA HSBC
BHARTI AXA
BIRLA SUNLIFE
358
No. of
Lives
43207.32
42634.29
573.03
119.75
291.95
17.02
64.86
3.44
76.02
Benefit
Amount
Within 30 Days of
Intimation
BAJAJ ALLIANZ
AVIVA
AEGON RELIGARE
Insurer
3001
2017
984
888
23
67
No. of
Lives
563.67
313.16
250.51
234.65
7.62
7.60
0.64
Benefit
Amount
31 to 90 Days
10
10
10
No. of
Lives
0.86
0.86
0.86
Benefit
Amount
91 to 180 Days
No. of
Lives
0.23
0.23
0.23
Benefit
Amount
DURATION
No. of
Lives
Benefit
Amount
142815
139242
3573
1339
872
229
740
34
359
No. of
Policies
43772.08
42947.45
824.63
354.40
299.57
25.48
64.86
4.08
76.24
Benefit
Amount
STATEMENT 42
Additions
Deletions
As on 31st
March, 2013
AEGON RELIGARE
AVIVA
657
659
210
210
BIRLA SUNLIFE
90
18
11
97
CANARA HSBC
DLF PRAMERICA
EDELWEISS TOKIO
FUTURE GENERALI
HDFC STANDARD
ICICI PRUDENTIAL
58
16
74
IDBI FEDERAL
INDIA FIRST
ING LIFE
KOTAK MAHINDRA
MAX LIFE
12
14
Insurer
BAJAJ ALLIANZ
BHARTI AXA
PNB METLIFE
RELIANCE
SAHARA
15
10
SBI LIFE
421
102
523
443
452
1251
804
231
1824
LIC
11546
3792
110
15228
INDUSTRY TOTAL
12797
4596
341
17052
SHRIRAM LIFE
STAR UNION DAI-ICHI
TATA AIA
PRIVATE TOTAL
192
193
296.48
2002-03
476.53
2003-04
851.62
2004-05
1272.29
2005-06
1786.34
2006-07
2379.92
2007-08
2619.29
2008-09
2482.33
2009-10
2869.96
2010-11
-------28.50
310.82
553.90
-14.79
97.05
169.25
220.18
311.73
522.34
685.44
784.85
967.99
------9.81
186.49
376.61
600.16
-9.49
112.95
175.63
200.94
194.00
220.60
339.21
915.40 1279.91
28.13
211.66
486.73
873.86 1582.86 2989.07 3307.12 3402.04 3295.06 4251.87
70.51
213.33
322.24
496.64
892.72 1144.47 1128.15 1374.06 1457.84 1783.18
---------17.24
----------------------------1.32
4.90
77.46
185.68
161.06
161.68
162.33
912.23 1946.42 1914.88 1979.65 1655.43
71.13
184.44
257.76
330.70
458.64
598.20
694.41
803.36
913.11 1143.99
---------43.02
-------113.76
416.93
780.89
78.46
233.93
343.52
448.24
572.70
710.55
782.64
823.92
853.80 1173.09
------0.48
30.14
189.28
299.10
467.65 1349.80 2257.83 3507.62 5362.66 8646.57 10991.89 12321.09 13977.00 17424.63
(6453.98) (188.64)
(67.27)
(55.35)
(52.89)
(61.24)
(27.12)
(12.09)
(13.44)
(24.67)
2439.41 2869.87 3399.97 3810.65 3536.34 3827.12 4021.97 4295.85 4645.99 6245.17
4198.06 4812.79 4921.47 5103.16 5675.54 5936.78 6151.97 6455.79 7099.14 8225.51
2498.64 2868.15 2899.74 3090.55 3609.77 4020.78 3900.22 4077.89 4854.67 5569.88
2781.48 2969.63 3063.47 2944.46 3154.78 3498.77 3739.56 4277.77 5239.05 6376.66
11917.59 13520.44 14284.65 14948.82 15976.44 17283.45 17813.71 19107.31 21838.85 26417.21
(13.59)
(13.45)
(5.65)
(4.65)
(6.87)
(8.18)
(3.07)
(7.26)
(14.30)
(20.96)
12385.24 14870.25 16542.49 18456.45 21339.10 25930.02 28805.60 31428.40 35815.85 43841.84
(17.97)
(20.06)
(11.25)
(11.57)
(15.62)
(21.51)
(11.09)
(9.11)
(13.96)
(22.41)
--369.21
549.72
555.83
564.67
835.11
833.44 1520.40 1950.05
338.52
374.78
445.48
515.55
577.33
617.66
668.37
744.68
813.00
885.47
------2.97
48.14
114.66
282.69
--------0.13
25.53
---------------22.51
168.19
509.86
961.65 1227.55
141.96
2001-02
-------
10499.02
TOTAL
AIC
ECGC
APOLLO MUNICH
MAX BUPA
RELIGARE HEALTH
STAR HEALTH
2227.73
3493.05
2247.10
2524.00
10491.88
-----5.83
----1.07
0.24
----7.14
--
2000-01
NATIONAL
NEW INDIA
ORIENTAL
UNITED
PUBLIC SECTOR
BHARTI AXA
CHOLAMANDALAM
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
L&T GENERAL
LIBERTY VIDEOCON
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM
TATA AIG
UNIVERSAL SOMPO
PRIVATE SECTOR
BAJAJ ALLIANZ
INSURER
4001.4
2012-13
884.00 1218.43
1346.54 1620.89
919.76 1105.39
1839.46
2453.2
5150.14 6133.99
1975.24 2565.03
143.40
182.07
0.00
2.19
0.00
95.14
14.79
21.3
1712.55 2010.01
1479.79
1560
250.14
770.85
1266.44 1541.38
1641.57 2135.08
404.58
534.35
22315.03 27950.7
(28.07)
(25.26)
7815.69 9194.61
10073.88 11873.49
6194.60 6737.66
8179.29 9266.04
32263.46 37071.80
(22.13)
(14.90)
54578.49 65022.50
(24.49)
(19.14)
2576.85 3297.42
1004.83 1157.25
475.64
619.99
99.08
207.22
-38.79
1085.06
860.21
3286.62
2011-12
(` Crore)
STATEMENT 44
194
68480
115081
77438
97247
358246
543449
NATIONAL
NEW INDIA
ORIENTAL
UNITED
PUBLIC TOTAL
GRAND TOTAL
665891
421536
112076
91575
133268
84617
244355
9032
27458
928
31477
9253
16842
87
771
18
2411
17317
38034
29911
10634
9354
5214
35613
2012-13
287679
200965
56811
48332
60642
35179
86714
890
18901
190
184
3152
4049
603
13062
19891
6090
3953
5045
1711
8991
2011-12
302915
209744
60151
47405
66993
35196
93170
1495
21066
171
729
2932
2847
762
10175
22919
7678
5451
5098
2116
9727
2012-13
Marine
185202
7728
PRIVATE TOTAL
UNIVERSAL SOMPO
19026
TATA AIG
15803
SBI GENERAL
776
5107
ROYAL SUNDARAM
SHRIRAM
11633
54
RELIANCE
RAHEJA QBE
MAGMA HDI
1331
L&T GENERAL
17520
IFFCO TOKIO
LIBERTY VIDEOCON
30836
ICICI LOMBARD
8407
FUTURE GENERALI
26754
7163
CHOLAMANDALAM
HDFC ERGO
4338
28728
2011-12
Fire
BHARTI AXA
BAJAJ ALLIANZ
Insurer/
Segments
2424712
1177377
295583
215079
304039
362677
1247335
21540
76044
124747
3484
106696
113500
34
9400
111235
213884
67104
53486
88088
62979
195113
2011-12
29072
104418
151734
26743
110567
129168
42
9663
158472
270576
80344
61911
106646
86638
239923
2012-13
2962980
1388338
338987
240373
379620
429358
1574642
Motor
1180902
814823
223181
148747
234917
207977
366079
3574
13769
374
23114
22528
828
19399
143584
41150
17599
22890
14543
42729
2011-12
959215
264281
163414
275395
256126
438252
5563
18187
674
21442
29553
2623
21072
159311
52150
20227
28130
19812
59505
2012-13
1397467
Health
850835
504662
145107
115193
139607
104755
346173
6727
36417
930
5169
9911
19545
1388
2178
36309
106819
42849
8531
11468
4829
53102
2011-12
968029
523378
151109
112473
148520
111277
444651
8273
42378
1306
17461
11806
22591
1995
17
201
2747
49468
122558
75237
12315
12861
8063
55373
2012-13
Others
5287577
3056074
817929
604789
854287
779069
2231503
40458
164157
126644
25014
147979
171255
1479
14340
197524
515014
183946
91976
134654
88400
328662
2011-12
6297281
3502212
926604
655240
1003795
916573
2795069
53435
213508
154138
77085
156000
201001
2130
9514
219
18207
256503
613399
245320
110539
162089
121843
400140
2012-13
TOTAL
(` Lakh)
STATEMENT 45
SEGMENT WISE GROSS DIRECT PREMIUM INCOME OF NON-LIFE INSURERS (WITHIN INDIA)*
5131
143
IFFCO-TOKIO
L&T GENERAL
195
413531
354400
73477
59486
157875
63562
59131
3651
1886
371
5021
1400
3557
51
(6)
(25)
393
5169
13854
3807
2050
3721
880
13349
2012-13
135968
99536
26173
25455
30253
17655
36432
197
13838
21
(19)
1244
987
--
--
172
4010
5389
1502
1108
1418
430
6128
2011-12
21629
86425
100093
12825
98653
103927
100
1467
(8)
8295
122018
214186
69539
51536
81957
67207
200610
2012-13
225562
184789
294035
298092
289119
213625
375553
362092
963388 1240460
15359
63861
53702
2173
84545
88021
113
--
--
3687
98012
190185
53592
35779
59031
45030
170298
2011-12
Motor
-- Not Applicable.
28488
26915
39037
20946
44214
230
16424
40
156
1111
869
(7)
387
3839
8823
2470
1692
1538
554
6080
2012-13
Marine
347559
GRAND TOTAL
58441
UNITED
300376
51432
ORIENTAL
PUBLIC TOTAL
137897
2914
UNIVERSAL SOMPO
NEW INDIA
1858
TATA AIG
52606
241
SHRIRAM
NATIONAL
680
SBI GENERAL
47183
1188
ROYAL SUNDARAM
PRIVATE TOTAL
3023
49
RELIANCE
RAHEJA QBE
--
11459
ICICI LOMBARD
MAGMA HDI
2708
HDFC ERGO
--
1355
FUTURE GENERALI
LIBERTY VIDEOCON
2893
521
13021
2011-12
Fire
CHOLAMANDALAM
BHARTI AXA
BAJAJ ALLIANZ
Insurer
3629
19035
322
384
5012
4841
625
--
--
482
12813
37952
14025
3337
6274
1136
22396
4683
22566
429
3961
5316
5799
1285
(27)
(13)
1179
14822
52408
24034
5576
5787
1899
25130
2011-12 2012-13
Others
798091
216840
140179
231762
209311
90937
117170
98507
542131 622287
409868 447451
106186
97717
127809 140837
78156
3938
11471
449
17583
21829
1708
16560
111654
24407
13057
23740
18098
47264
2012-13
947236 1109850
680584
192361
129914
197465
160843
266652
2554
9839
243
18515
19437
--
--
405
13302
109915
19621
10554
17297
9345
35626
2011-12
Health
3938761
2492842
608724
489306
787459
607353
1445919
24654
108432
54286
3461
110503
116309
794
--
--
4889
133268
354900
91447
52133
86913
56463
247468
2011-12
TOTAL
4786116
2955717
725094
538711
945064
746848
1830399
34131
138774
100934
22413
124063
135982
1444
1427
(46)
11962
162408
400925
124257
73910
116743
88638
292433
2012-13
(` Lakh)
STATEMENT 46
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
INSURERS TOTAL
GRAND TOTAL
BAJAJ ALLIANZ
Insurer
196
Premium
347.99
20407.75 19100.80
1613.04
2295.34
22371.83 49696.08
2634.00
5922.07
3054.19
5816.33
974.91
3399.47
1568.24
7606.83
52623.95 94184.92
11894.87 22578.04
12445.00 21955.00
10088.00 14231.74
54793.00 67699.00
89220.87 126463.78
3388.02
3646.24
781.73
718.65
3363.85
9782.93
7533.60 14147.82
No. of
Persons
Covered
34
28
4
93
133
31
45
22
390
43527
75
47
130
43779
939
2
230
1171
No. of
policies
Government Sponsored
Schemes
1048.76
No. of
Persons
Covered
116630
144444
No. of
policies
20060.23
5249.07
22167
11765.83
9635
13778.90 140371
72142.36 103857
12146.39
16522
2310.41
1530
13894.23
71353
2600.54
50984
643.98
21
121.81
26316
2869.49
75721
189352.06 662921
141956.27 161548
141441.00
93685
79094.67 554295
130550.00 285142
493041.94 1094670
22522.35
300
3859.73
84819
2487.09
8839
7322.62 658554
36191.79 752512
31768.81
Premium
2569.78
559.49
8433.71
12242.12
979.20
157.14
5047.80
3755.39
1.64
2335.32
2179.78
46371.35
12244.33
7758.81
35910.03
16200.00
72113.17
18185.33
12133.72
871.80
44788.41
75979.26
8109.98
Premium
471.20
16177
28.25
39796
59.97
12565
19.97
326642
268.42
321145
341.19
27274
51.00
2295
2.86
44
0.04
32088
37.05
210221
367.21
1002
0.90
51479
60.96
44283
66.11
1343636 1775.13
1369444 4380.03
1496305 3564.00
573430 1389.00
977879 2901.00
4417058 12234.03
404
512.19
55601
55.57
7850
8.25
488147
602.64
552002 1178.65
258625
No. of
No. of
policies Persons
Covered
19262
63117
22885
467763
427693
44687
3852
44
104124
261725
1228
77842
120203
2018831
1586571
1594838
1193562
1277616
5652587
2255
142086
16776
1152234
1313351
404406
No. of
policies
829.16
21185.38
554.68
3181.76
24832.51
3375.00
88.26
0.04
4831.21
2026.65
23.97
1735.48
491.86
65089.16
21868.98
23003.00
15923.00
67734.00
128528.98
5682.16
1238.55
170.88
6572.72
13664.32
1933.21
No. of
Persons
Covered
TOTAL
21059.71
28130.39
12868.78
49738.32
167466.05
20839.14
2622.62
1.51
25950.84
21442.47
674.11
11897
5563
420503.98
254096.43
276700.81
163414.02
263775.00
957986.26
59323.72
20615.06
3839.14
83026.72
166804.64
52249.59
Premium
651.49
1210.74
543.46
25230.38
33385.49
1791.47
155.07
1.51
1192.47
11687.07
28.49
1833.20
514.02
90595.66
77317.79
105546.00
34177.58
49326.00
266367.37
14969.80
3902.96
480.25
21132.76
40485.77
12370.80
Premium
Individual Insurance
excluding Family /
Floater Policies
493.66
33.09
315.95
288.38
55.00
4.43
242.11
146.24
0.06
86.37
202.87
2281.40
618.14
304.00
1467.00
440.00
2829.14
845.02
256.61
27.25
2218.62
3347.50
413.25
No. of
Persons
Covered
Family/Floater Insurance
excluding Individual Policies
3051
800.90
1126
224.00
685
501.63
746
984.35
2598
1831.11
758
635.00
27
80.97
652 1497.87
475
538.28
205
23.00
25
19.91
199
222.89
11884 8408.69
12052 4975.94
4773 6690.00
65790 2979.00
14465 9600.00
97080 24244.94
612
936.93
1664
144.65
87
135.38
5303
387.62
7666 1604.58
1337
No. of
policies
HEALTH INSURANCE (OTHER THAN TRAVEL DOMESTIC/OVERSEAS AND PERSONAL ACCIDENT INSURANCE)
GROSS PREMIUM AND NUMBER OF PERSONS COVERED (2012-13)
STATEMENT 47
197
10194.05
0.00
23839.24
1941.00
--501.27
1452.00
985.89
38913.44
15709.98
2752.00
11483.00
15018.00
44962.98
1970.62
-75327.28
77297.90
No. of
Persons
Covered
864.93
16089.55
1101.49
47173.99
3154.44
--1046.32
5907.97
4058.01
79396.70
24733.43
3955.00
18815.88
34400.00
81904.31
2963.87
-58265.71
61229.58
Premium
34
30
0
71
134
--8
8
17
302
62593
6341
84
75
69093
662
-14
676
No. of
policies
Government Sponsored
Schemes
-- Not in operations.
Note : Financial year 2011-12 figures revised by insurers.
BAJAJ ALLIANZ
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
INSURERS TOTAL
GRAND TOTAL
Insurer
No. of
Persons
Covered
101949
19443.38
13125.64
4886.39
11139.00
10245.70
62745.19
13481.72
--11275.41
4781.70
374.32
1936.75
154222.23
105608.97
111349.81
71882.09
125200.00
414040.87
20235.86
2196.00
-4121.27
26553.13
Premium
136358
15581
7487
108624
110403
11528
--80273
47959
21164
51945
591522
142480
68355
448070
108482
767387
91
42152
-582515
624758
No. of
policies
6693.34
904.37
404.48
6031.84
11316.83
669.28
--5465.54
2016.11
1756.21
1560.51
36844.40
10222.36
5500.78
27034.81
12900.00
55657.95
13758.27
5300.11
-27315.28
46373.67
Premium
188913
415.22
16472
28.42
14660
40.22
11473
17.65
327925
275.77
271079
285.54
23290
50.00
----31264
43.79
214143
364.94
60822
69.12
3878
10.12
1164109 1600.97
1294411 3340.77
1450661 4337.00
557732 1260.00
1156004 3025.00
4458808 11962.77
146
243.65
34064
33.00
--423273
526.44
457483
803.09
No. of
No. of
policies Persons
Covered
326158
18958
31264
19489
436971
383555
35678
--112203
262615
64
82003
55988
1765367
1512998
1530632
1060711
1278781
5383122
1242
76432
-1009923
1087597
No. of
policies
1454.74
626.15
10931.79
244.54
1161.62
26713.34
2664.00
--2549.64
3645.68
51.00
1121.54
290.42
51650.57
24383.81
12264.00
16678.00
25377.00
78702.81
3119.16
215.00
-78072.53
81406.69
No. of
Persons
Covered
TOTAL
36719.12
14596.27
22889.55
11984.19
39578.15
144805.74
19041.90
--18934.48
23113.69
374.32
8171.44
3573.51
344609.90
207213.42
222366.33
148747.03
223200.00
801526.78
45412.34
9896.21
-105527.81
160836.35
Premium
10582.40
605.70
1009.24
440.71
22199.12
23569.73
1736.45
--1147.21
10407.91
2357.21
76.24
74146.58
66648.66
101560.74
31014.25
50700.00
249923.65
8454.33
2400.10
-15825.55
26679.98
Premium
Individual Insurance
excluding Family /
Floater Policies
318.33
169.94
24.82
251.37
300.04
38.00
--344.60
91.53
66.53
129.85
1735.58
440.78
238.00
1105.00
334.00
2117.78
284.16
113.00
-1977.12
2374.28
No. of
Persons
Covered
Family/Floater Insurance
excluding Individual Policies
887
721.19
2452
597.74
993
527.59
529
202.08
422
634.47
2002 2288.53
726
635.00
----658 1659.99
505 1737.21
64
51.00
165
150.45
9434 9400.58
13514 4892.28
5275 4937.00
54825 2830.00
14220 7000.00
87834 19659.28
344
620.73
216
69.00
--4121
241.69
4681
931.42
No. of
policies
HEALTH INSURANCE (OTHER THAN TRAVEL DOMESTIC/OVERSEAS AND PERSONAL ACCIDENT INSURANCE)
GROSS PREMIUM AND NUMBER OF PERSONS COVERED (2011-12)
Contd. STATEMENT 47
198
2978.84
62902.24
18473.40
16962.00
13693.09
46812.00
95940.49
3530.30
66.80
95.89
3692.99
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
TOTAL
GRAND TOTAL
162535.72 141613.61
45799.69
13881.27
20461.00
13419.12
46704.00
94465.39
1241.30
40.09
67.13
1348.52
934.75
147.11 1097.03
16319.09 11942.91
1221.72
564.25
33130.15 23643.31
5101.56 4317.45
2101.61 1824.81
1902.16 1475.19
-
Net
Claims
Earned Incurred
Premium
(Net)
2167.99
146394.64
116148.96
120287.26
59051.33
116712.00
412199.55
16494.12
2647.57
1033.85
40.03
20215.56
45.94
23671.09
16539.75
6040.36
7494.84
9886.62
56698.29
8785.56
1464.16
10751.46
2371.68
476.90
2032.05
134063.82
126485.57
137568.69
69877.12
118134.00
452065.38
14445.07
2281.66
1122.84
27.13
17876.70
23109.40
14576.06
3618.83
6978.71
9418.07
51978.06
7928.17
1599.86
10527.36
1780.73
516.50
72.81
75.14
120.63
98.00
99.77
98.46
35.16
60.02
70.01
36.52
31.38
745.72
73.18
46.18
71.36
84.63
86.83
77.55
-
Claims
Incurred
(Net)
1643.15
33441.93
10018.34
6439.81
34550.85
13122.00
64131.00
11647.55
7344.50
175.71
244.81
19412.57
1946.91
6615.31
1380.89
422.76
2783.69
10484.75
700.91
55.55
4753.83
2653.99
0.17
104.35 116985.51
93.73
91.58
108.90
114.37
118.33
101.22
109.67
87.58
86.18
108.61
67.77
88.43
97.63
88.13
59.91
93.11
95.26
91.67
90.24
109.27
97.92
75.08
108.30
82488.27
1630.33
23556.74
9409.78
3290.77
25417.98
11721.00
49839.53
5301.91
3509.39
123.40
157.30
9092.00
192.15
3518.37
724.87
389.34
1710.38
8179.94
464.23
21.48
5736.01
989.65
Claims
Incurred
(Net)
1620.79
10493.44
554.87
432.31
8327.72
11352.25
1568.49
43.83
1044.66
10654.80
-28.50
476.31
6752.88
275.81
426.07
1619.20
6814.08
1172.22
17.30
846.40
4403.13
2.72
99.22
123.81
57.97
70.44 46188.48 22864.08
93.93 63261.60 70225.76
51.10 87137.40 79047.06
73.57 32884.00 37708.48
89.32 39737.60 38722.00
77.72 223020.61 225703.30
45.52 10886.00
4953.26
47.78
2737.41
1671.29
70.23
97.15
65.91
64.25
115.51
63.78
46.84 13836.07
6754.24
9.87
53.19
52.49
92.09
61.44
78.02
66.23
38.67
120.66
37.29
-
Claims
Incurred
(Net)
3934.96
288927.29
207902.30
230826.48
140179.27
216383.60
795291.65
42557.97
12796.27
1306.71
496.24
57157.19
6592.48
3720.35
226284.34
220002.38
240367.52
146422.70
215281.00
822073.60
25941.54
7502.43
1312.15
315.33
35071.45
1603.22
33380.66
15948.89
16286.61
7794.12
13311.90
90615.39
13882.06
1638.65
18934.58
8648.69
519.22
Claims
Incurred
(Net)
Total
46.82
49.50
111.01
90.72
114.67
97.44
101.20
45.50
61.05
67.84
55.21
48.82
29.39
64.35 40779.84
49.71 17241.74
- 23740.34
98.56
8349.92
19.44 22219.75
60.02 111665.43
74.74 16156.52
39.48
1563.54
81.02 18651.57
41.33 17582.63
-9.53
448.57
Incurred
Net
Claims
Earned
Ratio Premium
(%)
Individual Insurance
excluding Family/
Floater Policies
Incurred
Net
Claims
Earned
Ratio Premium
(%)
Family/Floater Insurance
excluding Individual Policies
Incurred
Net
Claims
Earned
Ratio Premium
(%)
Incurred
Net
Claims
Earned
Ratio Premium
(%)
Government Sponsored
Schemes
BAJAJ ALLIANZ
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
Insurer
94.92
94.55
78.32
105.82
104.13
104.45
99.49
103.37
60.96
58.63
100.42
63.54
61.36
24.32
81.86
92.50
68.60
93.34
59.91
81.15
85.92
104.80
101.52
49.19
115.75
Incurred
Claims
Ratio
(%)
(Amount in ` Lakh)
HEALTH INSURANCE (OTHER THAN TRAVEL DOMESTIC/OVERSEAS AND PERSONAL ACCIDENT INSURANCE)
INCURRED CLAIMS RATIO (2012-13)
STATEMENT 48
199
-- Not in operations.
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
TOTAL
GRAND TOTAL
SHRIRAM GENERAL
TATA AIG
BAJAJ ALLIANZ
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
Insurer
13719.27
6293.07
2980.91
6046.87
9467.60
43591.73
9955.15
-733.96
-9557.04
1624.99
298.35
133721.60 120934.87
51.37
15618.09
8731.90
4814.00
6645.88
9604.22
50235.43
10454.50
-391.54
-9967.55
2329.73
242.93
Claims
Incurred
(Net)
1647.17
1472.12
81.92 120682.94 105741.08
82.07 81622.15 90116.93
119.49 98514.83 96693.85
104.17 55157.36 66899.08
99.48 113199.00 111845.00
97.82 348493.34 365554.86
56.36 12647.29 10055.51
861.37
792.43
---111.81
22.28
13.50
70.13 13530.93 10861.44
373.41
8.19
83.07
42.68
87.74
102.79
--48.94
56.59
-
Incurred
Net
Claims
Earned
Ratio Premium
(%)
99.89
89.37
87.62
110.41
98.15
121.29
98.80
104.90
79.51
92.00
-60.58
80.27
87.84
72.07
61.92
90.99
98.58
86.77
95.22
-187.45
-95.88
70.00
122.81
91799.61
1078.52
29806.71
7900.57
4955.70
26293.19
10923.00
50072.46
8817.54
2955.27
-147.64
11920.45
1377.77
5192.99
927.06
281.00
3259.21
10470.23
512.31
-6.91
-5303.75
1396.96
-
54498.21
1272.00
19804.28
6820.75
2698.92
13103.70
7243.00
29866.37
3286.41
1437.12
-104.03
4827.56
264.53
2778.94
652.86
186.85
906.31
7262.38
275.47
-2.26
-5735.11
467.56
Claims
Incurred
(Net)
1830.77
9418.76
521.31
316.35
4949.30
11133.85
1608.61
-3.67
-949.74
9339.18
444.05
6089.80
333.65
242.63
1153.83
5954.84
1079.28
-1.20
-638.63
4241.11
-
117.94
54.40
36.11
66.44 40125.93 20215.13
86.33 51510.84 55768.90
54.46 90434.67 89518.28
49.84 30163.46 35217.56
66.31 38677.00 39406.00
59.65 210785.97 219910.74
37.27
5554.78
2958.51
48.63
1276.72
620.86
---70.46
85.54
46.65
40.50
6917.04
3626.02
19.20
53.51
70.42
66.49
27.81
69.36
53.77
-32.72
-108.13
33.00
-
Claims
Incurred
(Net)
2780.08
248923.56
160149.33
200170.19
129913.73
192360.00
682593.25
28652.31
5093.36
-794.89
34540.57
3935.47
2780.23
193527.38
168394.85
196397.06
134282.74
187902.00
686976.65
17220.62
2850.41
-767.29
20838.31
1082.00
22588.02
6705.83
13233.68
6476.35
11666.59
90493.20
12017.48
-737.42
-16031.23
9417.00
298.35
Claims
Incurred
(Net)
Total
66.38
50.38
108.27
98.99
116.76
101.88
104.33
53.26
48.63
-54.53
52.42
24.25
64.66 30229.84
64.00 10218.88
- 17297.23
76.70
7243.23
23.31 18138.08
53.48 110231.64
67.09 13263.79
--32.72
402.12
--67.24 16426.28
45.00 18514.00
242.93
Incurred
Net
Claims
Earned
Ratio Premium
(%)
Individual Insurance
excluding Family/
Floater Policies
Incurred
Net
Claims
Earned
Ratio Premium
(%)
Family/Floater Insurance
excluding Individual Policies
Incurred
Net
Claims
Earned
Ratio Premium
(%)
47766.89
15688.27
7486.00
19062.40
29408.00
71644.67
920.19
-603.12
1523.31
58307.97
19115.76
6265.00
18299.72
29561.00
73241.48
1632.71
-539.43
2172.14
726.92
965.68
79.10
11556.16 9599.91
325.34
138.85
38392.13 33684.25
688.37
707.58
----205.24
100.45
5448.13 3083.33
-
Net
Claims
Earned Incurred
Premium
(Net)
Government Sponsored
Schemes
93.30
100.01
77.75
105.15
98.12
103.36
97.68
100.64
60.10
55.96
-96.53
60.33
27.49
74.72
65.62
76.51
89.41
64.32
82.09
90.60
-183.39
-97.60
50.86
122.81
Incurred
Claims
Ratio
(%)
(Amount in ` Lakh)
HEALTH INSURANCE (OTHER THAN TRAVEL DOMESTIC/OVERSEAS AND PERSONAL ACCIDENT INSURANCE)
INCURRED CLAIMS RATIO (2011-12)
Contd. STATEMENT 48
200
3
1
-
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
ORIENTAL
UNITED INDIA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
TOTAL
221
MAX BUPA
GRAND TOTAL
APOLLO MUNICH
149
149
NEW INDIA
PUBLIC TOTAL
NATIONAL
72
FUTURE GENERALI
PRIVATE TOTAL
65
No. of
policies
9351.24
0.22
0.22
9351.02
131.96
890.85
8220.00
108.21
2069.89
0.60
0.60
2069.30
121.96
37.03
1890.60
19.71
No. of Premium
Persons
Covered
Government Sponsored
Schemes
CHOLAMANDALAM MS
BAJAJ ALLIANZ
BHARTI AXA
Insurer
STATEMENT 49
2689.30
2126.11
61.89
325.14
2889.27
6621.02
3776.50
3318.08
5200.90
2548.79
2722.00
346.80
275.81
5024.13
11163.38
7918.57
80069.00 16043.00
21149.49
7520.25 10801.16
2876.07
54929.74 48771.07
842.60
13727.92
108.80
11807.81 10845.32
1357.80
2769.14
35.40
62.22
5112.00
5385.84
3801.63
3972.36
2285.03
3661.20
No. of Premium
Persons
Covered
1061.39
696.68
37.98
326.73
1659.84
1106.70
40.39
512.74
10589
10231
34
324
175387
21449
26392
39202
147724
483
27251
2076
597
60066
1257
118
72
5397
2845
27632
1925
10211
3971
3823
No. of
policies
89654
924
924
88730
13572
85
4338
37
70698
No. of
policies
198.25
2.53
2.53
195.72
41.66
0.18
5.88
0.11
147.89
1587.07
18.14
18.14
1568.93
497.40
0.68
30.20
0.62
1040.03
No. of Premium
Persons
Covered
Family/Floater Insurance
excluding Individual
Policies
226.30
1417.14
35.63
2277.31
71.83
0.33
9.58
163.82
2314.22
766.61
1047.00
3050.00
7630.48
5078.37
3415.21
5347.12 39422.81
2547.71
77.58
10.31
152.10
13.69
0.02
2.17
28.00
579.43 10305.56
973.49
135.67
6.99
830.83
2240.58
556.75
72.91
1610.92
124627
116829
6979
819
556188
1026.34
109.70
3131.16
97.00
1317.61 20551.11
77.12
14.00
519.87
7.52
No. of Premium
Persons
Covered
993000 10777.13
510475
519557
2779613
7603
70770
10309
71984
12020
12
2110
23476
579434
1387139
77115
10247
519871
7523
No. of
policies
Individual Insurance
excluding Family /
Floater Policies
6235.01
5330.31
5679.95
2819.00
5088.57
2228.14
62.23
335.34
3053.10
383.11
502.11
6938.67
81116.00 19093.00
31926.62 15549.05
9834.69 15880.13
3642.68 14578.59
69823.60 91832.09
3390.31
13847.15
119.28
11807.81 10845.32
1641.86
2788.71
35.42
64.50
5140.00
6856.12 16963.60
5267.13 25367.65
12269.48
2407.24
519.87
3668.72
No. of Premium
Persons
Covered
2037.41
832.34
37.98
9.52
1157.56
3918.56
1663.46
40.39
91.05
2123.66
136140
127060
34
7903
1143
731575
1014449
537016
558759
3016139
8086
111593
12470
597
132051
17615
130
2219
28873
582282
1485469
79043
20523
523842
11346
No. of
policies
Total
201
10.00
685.00
93.17
--788.17
1.62
2327.00
306.00
2634.62
-3422.79
2738 34842.95
2062.99
2048.00
4562.37
3181.41
2658.19
5157.32
2625.43
-179.25
-50.03
2427.10
1974.86
605.00
232.48
4782.31
254.01
32800.75
12489.44
9905.85
7987.72
16338.00
46721.01
387.90
-988.25
1376.15
447238 141501.38 80897.90
4268
3183
2049.00
5183
1624.00
1548
1410.32
34880
4660.65
2757
3487.02
8290
3041.00
--18
303.22
--172
24.00
2776
3503.40
22948
1549.89
38
1203.60
185
64.48
44561
9949.97
669
630.32
131476 33500.85
38111
2292.93
24804
5149.63
39912 21258.69
203363 78498.00
306190 107199.25
200
200.82
--9372
600.46
9572
801.28
457520
442336
--3203
16
11965
457520
-976.87
947.44
--7.24
0.05
22.16
976.87
-6390.61
5853.07
--31.76
0.18
505.60
6390.61
--
No. of Premium
Persons
Covered
Family/Floater Insurance
excluding Individual
Policies
No. of Premium
No. of
Persons
policies
Covered
No. of Premium
No. of
Persons
policies
Covered
31
57.00
2 4895.00
6 1122.81
----39 6074.81
2697
4.24
1 28150.90
1
613.00
2699 28768.14
---
No. of
policies
Government Sponsored
Schemes
-- Not in operations.
Note : Previous year figures revised by insurers.
BAJAJ ALLIANZ
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
TOTAL
GRAND TOTAL
Insurer
Contd. STATEMENT 49
No. of
Persons
Covered
Total
5937.05
2144.00
4715.31
4629.75
18724.42
13898.66
2754.92
-191.34
-50.35
2560.90
3761.92
605.00
263.84
6572.65
462.82
67272.93
15722.59
14228.16
19382.21
18823.00
68155.96
1690.25
-1728.05
3418.30
Premium
515541
511.27
12118
2058.00
19944
1699.00
58045
6361.81
1141077
6248.22
656742
5263.81
31186
3067.00
--7192
315.20
--183
24.02
23053
3529.84
109470
1645.22
38
1203.60
7379
71.70
96601 10027.58
9128
3531.84
2687697 45558.09
587705
3066.05
535684
7210.77
1086915 67609.84
848268 79917.00
3058572 157803.66
974
983.84
--226812
836.72
227786
1820.56
No. of Premium
No. of
Persons
policies
Covered
511273
511.27 3874.06
8935
9.00
96.00
14730
18.00
142.94
56495
56.50
763.34
663861
640.14 10213.15
653979
653.98 8648.18
22896
26.00
129.50
---7174
11.98
12.09
---11
0.02
0.32
17074
19.20
102.04
86522
95.33 1787.06
7.18
31.18
40075
55.45 1284.74
8459 2901.52
208.82
2098662 5005.56 27293.41
549594
773.12 3233.15
508183 2056.90 4320.69
1047002 18200.25 9067.49
644904
806.00 2179.00
2749683 21836.27 18800.33
774
783.02 1302.35
---217440
236.26
739.80
218214 1019.29 2042.15
No. of
policies
Individual Insurance
excluding Family /
Floater Policies
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
INSURERS TOTAL
GRAND TOTAL
BAJAJ ALLIANZ
Insurer
577.46
426.05
16.58
1020.09
0.81
0.81
1020.90
1212.04
Claims
Incurred
(Net)
1024.52
131.29
55.69
1211.50
0.54
0.54
-
Net
Earned
Premium
202
1182.57
487.00
271.90
2288.43 1332.93
1781.22 1823.88
2724.53 3138.89
5022.34 3001.45
2253.36 1644.98
135.25
217.42
39.58
10.49
1965.45 1604.49
1976.78 1340.97
2655.36 2866.65
83.27
74.87
4351.85 2416.22
147.83
118.52
27758.11 21046.23
10380.76 5982.43
9746.04 7176.37
7153.84 4732.64
11495.00 8474.00
38775.65 26365.44
87.30
13.48
1.25
6.45
7.25
3.40
95.80
23.33
1845.89
56.36
324.52
29.77
84.20
150.49
150.49
-
Claims
Incurred
(Net)
71.19
55.83
58.25
102.39
115.21
59.76
73.00
160.75
26.50
81.63
67.84
107.96
89.92
55.52
80.17
75.82
57.63
73.63
66.15
73.72
67.99
15.44
515.00
46.81
24.35
64.07
1048.52
600.13
30.47
412.61
1043.21
5.31
5.31
695.19
504.96
111.32
78.91
695.19
-
Claims
Incurred
(Net)
3071.89
1053.66
59.72
30.30
106.62
78.62
771.93
334.36
84.14 11858.58 3209.42
- 3126.01
671.89
119.48
110.70
9.14
6.52
365.33
89.61
107.51
- 1663.31
451.38
22.35
20.37
19.12 1048.66
526.46
12.99
8.97
66.64 21960.30 6610.15
- 3175.79 1334.10
- 4582.28 1786.00
- 6192.66 9344.83
- 3050.00 1355.00
- 17000.74 13819.93
- 1145.93
150.74
21.98
0.01
3.65
1.61
- 1171.56
152.36
2236.23
Claims
Incurred
(Net)
546.72
302.20
2395.05 1411.54
3577.67 2735.69
15183.23 6853.26
8279.63 4099.39
2372.84 1755.68
144.40
223.94
39.58
10.49
2085.52 1823.32
3695.78 1808.93
2655.36 2866.65
105.62
95.24
5813.12 3021.59
160.82
127.49
51973.12 29371.66
13556.55 7316.53
14328.87 8963.18
13346.51 14077.47
14545.00 9829.00
55776.92 40186.18
1233.23
164.22
27.29
0.01
1.25
6.45
10.90
5.01
1272.67
175.68
4917.78
Net
Earned
Premium
TOTAL
63.96
55.28
58.94
76.47
45.14
49.51
73.99
155.09
26.50
87.43
48.95
107.96
90.17
51.98
79.27
56.51
53.97
62.55
105.48
67.58
72.05
13.32
0.03
516.00
45.92
13.80
45.47
Incurred
Claims
Ratio
%
(Amount in ` Lakh)
50.74
73.73
43.31
27.06
21.49
92.65
71.26
119.98
27.00
91.13
50.20
69.01
30.10
42.01
38.98
150.90
44.43
81.29
13.15
0.04
44.14
13.00
34.30
Claims Incurred
Incurred Claims
(Net)
Ratio
%
Individual Insurance
excluding Family /
Floater Policies
Incurred
Net
Claims
Earned
Ratio Premium
%
Family/Floater Insurance
excluding Individual Policies
Incurred
Net
Claims
Earned
Ratio Premium
%
Incurred
Net
Claims
Earned
Ratio Premium
%
Government Sponsored
Schemes
STATEMENT 50
203
834.07
238.22
--1072.28
62.69
33.91
96.60
-1168.88
786.75
Claims
Incurred
(Net)
431.83
87.39
--519.23
1.45
46.07
220.00
267.52
--
Net
Earned
Premium
1606.61
327.00
202.75
1999.88 1020.68
1529.14
823.12
2200.71 1296.90
4260.55 3389.12
1838.11 1336.24
--16.77
31.14
--27.73
51.00
1579.47 1490.42
1616.94 1110.28
172.83
94.64
55.03
27.32
4140.61 1815.67
67.14
118.86
21443.99 14414.75
10248.34 5349.42
8831.76 4385.11
7922.45 6796.99
12105.00 8624.00
39107.55 25155.52
146.48
27.21
--5.92
2.84
152.40
30.05
1612.08
193.15
272.58
--206.52
4328.12
73.00
36.11
--
Claims
Incurred
(Net)
65.24
62.00
51.04
53.83
58.93
79.55
72.70
-185.68
-183.92
94.36
68.67
54.76
49.65
43.85
177.04
67.22
52.20
49.65
85.79
71.24
64.32
18.58
-47.87
19.72
99.66
3661.10
3208.71
--30.74
421.21
3661.10
--
641.77
641.95
--53.67
(53.94)
641.77
--
Claims
Incurred
(Net)
2946.84
43.99
63.38
299.88
2311.66
711.93
69.18
-5.90
-22.06
373.72
11.82
194.03
68.08
5180.04
551.78
1303.97
6759.09
982.00
9596.84
92.10
-0.98
93.08
1004.41
67.60
121.13
538.49
20.01 5598.94
- 2018.88
88.82
--4.77
--2
104.72
- 1720.06
20.44
40.72
(12.81) 1077.82
99.66
17.53 14428.44
- 2652.99
- 3863.62
- 6384.70
- 1561.00
- 14462.31
976.32
--4.43
980.76
Claims
Incurred
(Net)
2611.03
394.60
246.74
2121.01 1084.05
2499.46 1957.07
11008.36 4250.51
6366.83 4339.27
1926.93 1405.42
--21.54
37.04
--27.73
51.00
1714.93 1566.15
3337.00 1484.00
172.83
94.64
96.19
39.23
5639.64 1955.76
166.79
186.94
40052.76 21308.85
12901.33 5901.20
12696.82 5751.77
14353.22 13589.99
13886.00 9606.00
53837.37 34848.96
1122.80
119.32
--10.36
3.81
1133.16
123.13
4558.92
Claims
Incurred
(Net)
TOTAL
59.23
62.53
51.11
78.30
38.61
68.15
72.94
-171.96
-183.92
91.32
44.47
54.76
40.78
34.68
112.08
53.20
45.74
45.30
94.68
69.18
64.73
10.63
-36.82
10.87
57.27
Incurred
Claims
Ratio
%
(Amount in ` Lakh)
65.07
52.32
55.69
41.29
35.26
77.89
-123.74
-21.06
21.73
29.02
18.00
68.31
35.90
20.80
33.75
105.86
62.91
66.36
9.43
-22.05
9.49
34.08
Incurred
Net
Claims
Earned
Ratio Premium
%
Individual Insurance
excluding Family /
Floater Policies
Incurred
Net
Claims
Earned
Ratio Premium
%
Family/Floater Insurance
excluding Individual Policies
Incurred
Net
Claims Earned
Ratio Premium
%
Incurred
Net
Claims Earned
Ratio Premium
%
Government Sponsored
Schemes
-- Not in operations.
Note : i) Figures in brackets indicate negative values.
ii) Financial year 2011-12 figures revised by insurers.
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
INSURERS TOTAL
GRAND TOTAL
BAJAJ ALLIANZ
Insurer
Contd. STATEMENT 50
446
HDFC ERGO
L&T GENERAL
MAGMA HDI
204
-
SHRIRAM GENERAL
STAR HEALTH
GRAND TOTAL
469597
12
RELIGARE
11
APOLLO MUNICH
MAX BUPA
ORIENTAL
PUBLIC TOTAL
NEW INDIA
UNITED INDIA
469578
NATIONAL
PRIVATE TOTAL
UNIVERSAL SOMPO
177845
SBI GENERAL
TATA AIG
48303
ROYAL SUNDARAM
RELIANCE
LIBERTY VIDEOCON
RAHEJA QBE
IFFCO TOKIO
161205
495
FUTURE GENERALI
ICICI LOMBARD
885
80399
1573.54
10.82
0.14
10.68
12.63
12.63
1550.09
216.81
48.30
161.21
1074.23
12.38
37.17
7109.50
135.10
0.57
134.53
32.80
32.80
6941.59
2634.97
228.88
596.34
2188.17
40.10
56.86
1196.27
5990
459
455
5531
483
4193
742
113
15.35
2.72
1.34
0.02
1.36
12.63
1.47
8.55
2.08
0.53
No. of
Persons
Covered
185.59
21.60
9.97
0.48
11.15
163.99
58.11
77.02
27.25
1.61
Premium
No. of
policies
Premium
No. of
policies
No. of
Persons
Covered
Family/Floater Insurance
excluding Individual Policies
CHOLAMANDALAM MS
BHARTI AXA
BAJAJ ALLIANZ
Insurer
1692278
37525
37356
144
25
101810
18904
25169
39600
18137
1552943
1583
298825
9312
668794
34461
138796
13287
56970
14803
316112
No. of
policies
14.00
7961.14
134.30
3168.17
270.50
5960.86
196.38
1002.64
511.72
6130.84
Premium
1747.04
1320.35
15.25
411.44
4271.04
506.00
618.12
1126.85
2020.08
1807.24 31368.64
71.73
37.15
0.15
34.44
103.13
19.20
25.17
39.60
19.16
1632.38 25350.55
1.71
372.33
9.31
668.79
35.00
138.80
12.55
56.97
20.81
316.11
No. of
Persons
Covered
2167865
37996
37812
148
36
101817
18904
25169
39600
18144
2028052
1583
477153
9312
721290
34461
300001
14475
57578
15688
396511
No. of
policies
134.30
3474.07
270.50
6557.20
2411.80
1044.35
568.58
7327.11
Premium
14.00
1903.75
1330.90
15.73
557.12
4303.85
506.00
618.12
1126.85
2052.88
3396.13 38663.73
85.27
38.63
0.16
46.48
115.76
19.20
25.17
39.60
31.79
3195.10 32456.14
1.71
590.61 10654.22
9.31
725.65
35.00
300.00
1088.86
69.87
57.98
316.11
No. of
Persons
Covered
TOTAL
STATEMENT 51
205
7
8
-1
9
443021
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH INSURERS TOTAL
GRAND TOTAL
-- Not in operations.
879
398
397
108200
--75648
167686
443005
7
89797
6.61
12.07
-0.14
12.21
739.70
26.37
8.31
118.62
108.20
--75.65
383.73
720.88
6.61
17.90
91.17
-1.08
92.25
5541.27
50.22
33.58
1423.77
362.79
--305.00
2158.12
5431.12
17.90
1097.64
0
-416
416
10938
194
611
--3934
5783
10522
0.50
-1.23
1.73
32.80
0.69
1.69
--8.03
20.66
31.07
No. of
Persons
Covered
7.06
-9.02
16.07
221.59
2.85
24.80
--70.64
107.22
205.52
Premium
No. of
policies
Premium
No. of
policies
No. of
Persons
Covered
Family/Floater Insurance
excluding Individual Policies
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
BAJAJ ALLIANZ
Insurer
41087
28408
16181
105140
16
114
-34714
34844
1657197
27755
57631
6681
133459
42422
--646069
7541
5
294213
554
1517213
19464
300883
No. of
policies
5482.54
Premium
41.09 1087.00
28.41
697.71
18.15
396.00
107.61 2926.82
15.59
363.21
0.11
12.05
--34.54 1243.17
50.24 1618.42
1806.90 28414.49
29.65
631.55
59.91
949.05
28.05
123.03
133.46 5456.84
42.00
285.01
----646.07 3218.10
7.54
106.07
0.01
0.03
400.88 7606.71
0.60
10.32
1649.04 23869.25
19.97
746.11
300.88
No. of
Persons
Covered
41087
28408
16181
105147
24
114
-35131
35269
2111156
28634
58223
7689
241659
42422
--725651
7541
5
467682
554
1970740
19471
390680
No. of
policies
6580.18
Premium
41.09 1087.00
28.41
697.71
18.15
396.00
114.22 2944.72
28.16
461.43
0.11
12.05
--35.91 1253.26
64.18 1726.75
2579.40 34177.35
56.02
681.77
68.91
985.48
148.36 1571.60
241.66 5819.63
42.00
285.01
----729.74 3593.74
7.54
106.07
0.01
0.03
805.27 9872.06
0.60
10.32
2400.99 29505.89
26.58
764.01
300.88
No. of
Persons
Covered
TOTAL
Contd. STATEMENT 51
206
5524.02
6328.84
16.63
(18.67)
2249.35
334.47
257.77
1821.32
5504.66
21.08
21.08
(1.72)
0.00
(1.72)
57.36
43.24
2002.23
488.93
209.71
2361.94
6211.16
22.56
22.56
95.11
0.02
95.13
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
INSURERS TOTAL
GRAND TOTAL
843.79
1047.75
87.28
29.00
(43.17)
112.34
68.41
122.92
77.11
88.63
93.45
93.45
(1.81)
9.38
(1.81)
80.53
124.58
1.78
22.57
67.47
23.62
115.44
9.11
0.03
9.14
55.86
1.87
25.04
29.30
0.80
57.01
(1.15)
(0.00)
(1.15)
44.84
105.26
110.94
43.42
3.39
49.38
(12.62)
(0.81)
(12.58)
Claims
Incurred
Incurred Claims Ratio
(Net)
(%)
Net Earned
Premium
Net Earned
Premium
Claims
Incurred
Incurred Claims Ratio
(Net)
(%)
BAJAJ ALLIANZ
Insurer
26420.79
463.34
1084.49
162.68
5325.33
228.88
2787.72
115.46
7099.52
10.44
22696.66
1385.88
935.28
612.37
455.40
3388.93
317.53
13.63
4.04
335.20
5418.81
Net Earned
Premium
10954.82
112.70
12.16
119.93
2615.93
176.32
1430.68
49.94
3096.67
1.69
8913.22
1000.67
401.43
354.14
187.00
1943.24
94.63
1.09
2.63
98.35
1297.20
41.46
24.30
1.12
73.72
49.12
77.04
51.32
43.30
43.62
16.20
39.27
72.20
42.92
57.83
41.06
57.34
29.80
7.97
65.17
29.34
23.94
Claims
Incurred
Incurred Claims Ratio
(Net)
(%)
32874.22
520.70
1129.51
2187.48
5814.25
228.88
3064.90
115.46
9485.08
10.44
29023.26
1408.44
935.28
612.37
455.40
3411.49
421.75
13.63
4.09
439.46
6466.56
Net Earned
Premium
16534.70
129.33
(4.64)
2394.32
2950.40
176.32
1717.74
49.94
4918.79
1.69
14474.89
1021.76
401.43
354.14
187.00
1964.33
91.76
1.09
2.64
95.48
2140.99
50.30
24.84
(0.41)
109.46
50.74
77.04
56.05
43.25
51.86
16.20
49.87
72.55
42.92
57.83
41.06
57.58
21.76
7.97
64.46
21.73
33.11
Claims
Incurred
Incurred Claims Ratio
(Net)
(%)
TOTAL
(Amount in ` Lakh)
STATEMENT 52
207
-
SHRIRAM GENERAL
-- Not in operations.
GRAND TOTAL
STANDALONE HEALTH
INSURERS TOTAL
4944.99
58.71
APOLLO MUNICH
STAR HEALTH
16.26
58.71
PUBLIC TOTAL
-
UNITED INDIA
--
ORIENTAL
RELIGARE
MAX BUPA
16.26
NEW INDIA
4870.03
NATIONAL
PRIVATE TOTAL
UNIVERSAL SOMPO
1933.69
SBI GENERAL
TATA AIG
ROYAL SUNDARAM
257.98
RAHEJA QBE
RELIANCE
--
MAGMA HDI
--
LIBERTY VIDEOCON
L&T GENERAL
347.59
IFFCO TOKIO
1357.91
ICICI LOMBARD
26.53
FUTURE GENERALI
HDFC ERGO
50.88
895.45
3464.19
39.66
--
39.66
3424.53
1327.08
111.61
--
--
185.47
1518.74
20.68
14.75
246.21
70.05
67.55
--
67.55
70.32
68.63
43.26
--
--
53.36
111.84
77.94
29.10
27.50
191.25
4.36
0.02
--
4.34
186.89
99.72
63.76
--
--
21.01
2.40
74.61
1.77
0.02
--
1.75
72.84
39.01
40.52
67.04
--
40.37
38.98
23811.23
247.47
3.24
--
244.23
2743.09
396.00
691.23
978.00
677.86
20820.67
7.05
6914.62
92.88
2688.69
--
--
215.60
4919.60
104.21
782.59
612.42
4483.02
103.53
--
--
29.54
26.10
Net Earned
Premium
9962.82
130.67
3.11
--
127.56
1351.79
87.00
312.92
531.00
420.87
8480.36
0.56
2642.51
47.62
463.10
--
--
144.59
3525.47
58.84
577.15
158.83
861.69
41.84
52.80
96.23
--
52.23
49.28
21.97
45.27
54.29
6208.85
40.73
8.00
38.22
51.27
17.22
--
--
67.00
71.66
56.47
73.75
25.94
19.22
Claims
Incurred
Incurred Claims Ratio
(Net)
%
66.01
--
--
6.21
0.63
Claims
Incurred
Incurred Claims Ratio
(Net)
%
Net Earned
Premium
Net Earned
Premium
Claims
Incurred
Incurred Claims Ratio
(Net)
%
CHOLAMANDALAM MS
BHARTI AXA
BAJAJ ALLIANZ
Insurer
28947.47
310.53
3.26
--
307.27
2759.35
396.00
691.23
978.00
694.12
25877.59
7.05
8948.03
92.88
3010.43
--
--
215.60
5267.19
1483.12
811.52
663.30
5378.46
Net Earned
Premium
13501.62
172.09
3.13
--
168.96
1351.79
87.00
312.92
531.00
420.87
11977.73
0.56
3969.58
47.62
640.72
--
--
144.59
3710.94
1583.79
598.46
173.58
1107.89
46.64
55.42
96.02
--
54.99
48.99
21.97
45.27
54.29
60.63
46.29
8.00
44.36
51.27
21.28
--
--
67.06
70.45
106.79
73.75
26.17
20.60
Claims
Incurred
Incurred Claims Ratio
(Net)
%
TOTAL
(Amount in ` Lakh)
Contd. STATEMENT 52
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
L&T GENERAL
MAGMA HDI
RAHEJA QBE
208
-
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
644783
STAR HEALTH
GRAND TOTAL
RELIGARE
APOLLO MUNICH
MAX BUPA
PUBLIC TOTAL
UNITED INDIA
NEW INDIA
ORIENTAL
NATIONAL
644783
SBI GENERAL
PRIVATE TOTAL
ROYAL SUNDARAM
111843
LIBERTY VIDEOCON
RELIANCE
IFFCO TOKIO
532940
ICICI LOMBARD
BHARTI AXA
660.99
660.99
128.05
532.94
774.22
774.22
128.15
646.07
No. of
Persons
Covered
Premium
No. of
policies
Premium
No. of
policies
No. of
Persons
Covered
Family/Floater Insurance
excluding Individual Policies
BAJAJ ALLIANZ
Insurer
418705
172
172
418533
399002
1111
18420
No. of
policies
602.58
0.17
0.17
602.41
582.88
1.11
18.42
No. of
Persons
Covered
772.64
3.68
3.68
768.96
748.52
0.80
19.64
Premium
1063488
172
172
1063316
399002
111843
532940
1111
18420
No. of
policies
1263.57
0.17
0.17
1263.40
582.88
128.05
532.94
1.11
18.42
No. of
Persons
Covered
TOTAL
1546.86
3.68
3.68
1543.18
748.52
128.15
646.07
0.80
19.64
Premium
STATEMENT 53
209
-- Not in operations.
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
LIBERTY VIDEOCON
L&T GENERAL
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH INSURERS
TOTAL
GRAND TOTAL
BAJAJ ALLIANZ
Insurer
447.02
--0.85
447.87
-447.87
447720
447021
--699
447720
--
525.14
524.87
--0.26
525.14
--
----
----
No. of
Persons
Covered
----
Premium
No. of
policies
Premium
No. of
policies
No. of
Persons
Covered
Family/Floater Insurance
excluding Individual Policies
613653
1075
--595823
613473
180
180
--
16575
No. of
policies
767.67
1.08
--749.84
767.49
0.18
0.18
--
16.58
No. of
Persons
Covered
899.90
0.68
--876.16
897.35
2.56
2.56
--
20.51
Premium
1061373
1075
447021
--699
595823
1061193
180
180
--
16575
No. of
policies
1215.54
1.08
447.02
--0.85
749.84
1215.36
0.18
0.18
--
16.58
No. of
Persons
Covered
TOTAL
1425.04
0.68
524.87
--0.26
876.16
1422.48
2.56
2.56
--
20.51
Premium
Contd... STATEMENT 53
FUTURE GENERALI
HDFC ERGO
L&T GENERAL
MAGMA HDI
RAHEJA QBE
210
-
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE
STAR HEALTH
STANDALONE HEALTH
INSURERS TOTAL
(15.94)
(15.94)
0.65
(16.59)
690.15
NEW INDIA
GRAND TOTAL
NATIONAL
690.15
SBI GENERAL
PRIVATE TOTAL
ROYAL SUNDARAM
112.72
LIBERTY VIDEOCON
RELIANCE
IFFCO TOKIO
577.44
CHOLAMANDALAM MS
ICICI LOMBARD
BHARTI AXA
(2.31)
(2.31)
0.57
(2.87)
Incurred
Claims
Ratio (%)
Claims
Incurred
(Net)
Net Earned
Premium
Incurred
Claims
Ratio (%)
Net Earned
Premium
Claims
Incurred
(Net)
BAJAJ ALLIANZ
Insurer
739.45
3.12
3.12
736.33
718.08
0.80
17.45
Net Earned
Premium
(3.21)
(3.21)
(2.21)
0.27
(1.27)
Claims
Incurred
(Net)
(0.43)
(0.44)
(0.31)
34.00
(7.26)
Incurred
Claims
Ratio (%)
1429.61
3.12
3.12
1426.49
718.08
112.72
577.44
0.80
17.45
Net Earned
Premium
(19.15)
(19.15)
(2.21)
0.65
(16.59)
0.27
(1.27)
Claims
Incurred
(Net)
TOTAL
(1.34)
(1.34)
(0.31)
0.57
(2.87)
34.00
(7.26)
Incurred
Claims
Ratio (%)
(Amount in ` Lakh)
STATEMENT 54
FUTURE GENERALI
HDFC ERGO
211
-
SHRIRAM GENERAL
TATA AIG
UNIVERSAL SOMPO
-- Not in operations.
GRAND TOTAL
472.62
STANDALONE HEALTH
INSURERS TOTAL
APOLLO MUNICH
STAR HEALTH
PUBLIC TOTAL
-
UNITED INDIA
--
ORIENTAL
RELIGARE
NEW INDIA
MAX BUPA
NATIONAL
472.62
SBI GENERAL
PRIVATE TOTAL
ROYAL SUNDARAM
0.23
RAHEJA QBE
RELIANCE
--
MAGMA HDI
LIBERTY VIDEOCON
L&T GENERAL
--
IFFCO TOKIO
472.39
CHOLAMANDALAM MS
ICICI LOMBARD
BHARTI AXA
0.61
--
0.61
0.01
--
--
0.61
0.13
--
0.13
3.92
--
--
0.13
--
--
--
--
--
--
--
Incurred
Claims
Ratio (%)
--
--
Claims
Incurred
(Net)
Net Earned
Premium
Incurred
Claims
Ratio (%)
Net Earned
Premium
Claims
Incurred
(Net)
BAJAJ ALLIANZ
Insurer
982.37
--
2.05
2.05
980.32
957.35
5.00
--
--
0.70
17.27
Net Earned
Premium
7.54
--
7.54
6.13
0.01
--
--
0.22
1.19
Claims
Incurred
(Net)
0.77
--
0.77
0.64
3.14
--
--
31.42
6.88
Incurred
Claims
Ratio (%)
1454.99
--
2.05
2.05
1452.94
957.35
5.00
--
--
472.39
0.70
17.27
Net Earned
Premium
8.16
--
8.16
6.13
0.01
--
--
0.61
0.22
1.19
Claims
Incurred
(Net)
TOTAL
0.90
--
0.90
0.64
3.14
--
--
0.13
31.42
6.88
Incurred
Claims
Ratio (%)
(Amount in ` Lakh)
Contd. STATEMENT 54
325
Liability
Insurance
212
0
Credit Insurance
64846
302
Crop Insurance
Grand Total
482
Overseas
Medical
Insurance
3684
9226
Health Insurance
All Other
Miscellaneous
2818
Personal
Accident
24558
1308
62
96
4976
393
5240
9219
28364
588
14
Motor Own
Damage
Aviation
47
249
48
Marine (Hull)
623
Engineering
936
Marine (Cargo)
1661
7826
1487
55
1372
1757
106
1431
20
11
1581
4186
475
14
871
458
36
459
883
49
25
904
NOP Premium
NOP Premium
1855
Corporate
Agents -Banks
Individual
Agents
Fire
Segment
2823
533
11
95
227
181
165
1340
254
1789
145
13
314
74
207
857
17
141
NOP Premium
Corporate
Agents - Others
9248
151
15
338
430
296
28
1269
6313
46
159
198
14699
482
70
28
49
3203
274
504
1997
4726
833
129
131
683
1591
NOP Premium
Brokers
103
46
10
13
12
21
823
58
107
1767
794
1038
18
5471
11102
44
187
233
19594
1483
1173
86
188
5306
399
260
1946
3648
951
325
888
585
2355
NOP Premium
55
22
26
33
24
NOP Premium
2997
59
558
15
346
73
214
1704
17
365
63
1303
4160
6170
355
68719
3822 109549
1261
2965
365
3938
58
1018
2752
15011
1615
1138
10094
6806
28
2777
311 12408
16
242 23821
19595
2470
479
1087
1941
6760
NOP Premium
Total
260 50268
32
12
20
96
NOP Premium
Others
37 21651
14
11
NOP Premium
Referral
Arrangement
STATEMENT 55
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharasthra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Island
Chandigarh
Dadra & Nagra Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
States/Union Territory
44575.72
177.35
6210.07
2566.51
5600.44
7894.05
76091.84
31902.56
8242.18
4434.72
5813.00
33183.62
11611.77
14795.53
198954.99
69.54
477.11
264.50
132.68
10523.06
14761.53
16187.90
299.34
52709.68
259.88
28530.28
4532.54
30051.19
171.26
2627.58
912.06
576.11
59840.99
0.52
968.86
675950.96
Fire
10529.10
18.07
1140.81
416.92
1132.37
3228.63
16727.32
9820.50
476.70
281.93
684.83
9843.04
1426.76
4914.93
55650.28
5.02
84.91
9.08
7.63
1431.11
3414.55
4687.20
26.64
18974.17
34.58
8377.52
710.93
10038.29
11.51
638.01
163.88
171.68
28893.10
0.99
87.45
194060.44
Marine
(Cargo)
2338.15
18.88
186.62
13.09
3.48
8262.56
7695.94
3576.80
0.70
0.57
127.32
1477.86
666.95
1383.11
69616.77
0.00
4.45
0.00
0.00
744.92
2104.41
33.49
0.22
6679.57
25.22
388.67
4.76
955.16
61.07
0.10
0.00
0.24
2165.29
105.90
68.05
108710.32
Marine
(Hull)
593.96
0.00
0.00
3.96
5.27
1943.76
333.26
6792.79
0.00
20.94
53.15
3700.47
66.10
24.30
22886.25
0.00
0.00
0.00
0.00
50.34
34.11
13.67
0.00
5022.54
6.50
2740.82
0.50
179.55
2.55
44.96
0.00
0.00
3381.73
0.00
0.00
47901.48
Aviation
30154.47
293.30
4131.21
2153.73
4708.51
1430.86
13367.98
10701.52
2166.41
3189.32
3624.37
11062.54
2189.91
5298.15
56702.93
74.04
550.94
195.95
33.59
8027.57
5491.16
5067.91
878.48
23088.79
100.18
12676.20
1384.36
14742.70
19.65
495.46
159.61
208.66
22127.45
0.07
119.13
246617.11
Engineering
113689.34
716.75
24165.24
31333.77
24981.83
11271.24
137868.53
61753.22
10225.57
13667.43
19513.31
132100.34
93327.66
64472.27
276497.08
675.85
1975.14
915.56
1119.82
31169.11
65183.80
81538.24
890.29
161300.61
2367.45
117975.74
15737.59
71081.10
413.49
22326.89
360.76
478.94
114038.60
3.85
4646.99
1709783.40
Motor Own
Damage
89236.60
452.53
21042.76
25187.71
19393.94
8621.15
86674.99
36068.36
11122.43
13609.63
15916.60
92623.13
82054.37
53538.94
187238.34
445.21
1878.48
1197.91
832.59
32343.84
40176.07
68101.20
996.19
137647.34
3113.79
92035.89
12691.43
59999.26
578.16
9180.68
329.15
339.65
49637.76
15.22
3599.56
1257920.86
Motor Third
Party
5309.89
9.92
350.40
309.58
650.73
658.66
8102.26
3415.75
194.47
186.83
438.20
11549.46
1105.97
1119.91
46966.33
38.09
20.22
24.41
11.77
557.71
839.46
1272.90
15.10
9048.76
20.97
3335.21
195.95
4818.91
2.11
198.17
80.00
81.31
12662.83
0.00
41.58
113633.82
Liability
insurance
(in ` Lakh)
STATEMENT 56
213
Personal
Accident
12430.69
7.20
979.00
1414.98
1490.58
947.96
11552.75
6800.73
305.27
615.46
1284.04
11187.40
3924.30
2189.63
52840.44
15.68
44.06
22.04
15.34
1856.70
2986.84
3834.31
33.19
19566.73
120.90
5705.78
587.35
4163.63
5.53
556.90
61.49
33.56
13745.38
0.14
155.49
161481.47
States/Union Territory
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharasthra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Island
Chandigarh
Dadra & Nagra Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
69542.39
80.34
7505.92
31529.15
8726.55
10674.40
88601.95
78917.92
2619.91
1013.40
7878.02
141552.93
60902.38
15658.47
437345.54
916.97
312.75
793.97
380.22
11356.94
15865.24
16562.78
112.75
178402.86
2430.48
55390.01
3772.69
99306.96
13.64
5791.80
208.49
295.38
145462.04
1.18
1080.85
1501007.27
Health
Insurance
3110.57
0.29
37.06
51.76
38.24
158.92
2129.03
779.36
30.26
39.98
85.99
4331.39
892.21
232.38
13848.54
1.02
4.75
0.95
1.10
76.39
689.94
320.29
1.41
3149.17
1.74
710.20
69.54
1065.81
0.25
433.87
0.77
1.03
4135.49
0.01
34.78
36464.49
74533.29
2.36
684.29
36048.36
8085.98
1.65
24452.21
3379.37
2094.94
149.03
2747.17
11568.88
1095.60
26551.84
30571.71
60.93
22.28
1.63
3.60
8945.05
303.44
28490.66
3.47
9951.25
9.66
9334.81
1202.07
15833.01
0.32
0.40
1.72
0.03
296.94
0.00
32.45
296460.40
Credit
Insurance
18131.89
155.00
2537.95
45821.69
4849.31
2508.76
21560.78
8889.88
2435.20
2996.69
2453.29
20057.70
10465.21
7367.83
84263.86
183.57
298.97
290.69
286.52
7456.97
6708.99
49114.98
103.06
30494.13
401.45
21739.86
2631.60
11593.15
78.78
2782.58
66.92
148.92
26574.10
1.89
345.51
395797.68
Miscellaneous
479479.07
1931.99
68971.30
176851.23
79667.24
57602.61
501674.33
266608.30
39914.03
40205.93
60619.30
489726.97
272389.98
199133.01
1579409.59
2485.92
5674.08
3716.68
2824.85
114949.80
162954.07
277105.97
3360.13
671397.32
8892.81
364728.12
43521.32
330511.02
1358.31
46614.07
2344.83
2335.51
501626.00
129.77
11180.70
6871896.16
Total
(in ` Lakh)
Contd. STATEMENT 56
214
59486
73477
354400
ORIENTAL
UNITED
TOTAL
215
52606
137897
51432
58441
300376
NATIONAL
NEW INDIA
ORIENTAL
UNITED
TOTAL
Fire
157875
NEW INDIA
Insurer
63562
Fire
NATIONAL
Insurer
289119
213625
375553
362092
Motor
225562
184789
294035
298092
Motor
680384
192361
129914
197465
160644
Health
99536 1002477
26173
25455
30253
17655
Marine
798091
216840
140179
231762
209311
Health
447451
117170
98507
140837
90937
Others
2955717
725094
538711
945064
746848
Total
253586
55151
35756
126651
36028
Fire
69679
21748
17579
19457
10894
Marine
1151765
261787
200318
364899
324762
Motor
823705
215489
146423
240769
221024
Health
207402
59316
39210
62531
46345
Others
2506137
613492
439285
814307
639053
Total
71.55
75.06
60.11
80.22
56.68
60.39
76.34
65.31
49.84
52.01
Fire Marine
410068
106186
97717
127809
78356
Others
2492842
608724
489306
787459
607353
Total
304732
44188
51634
165735
43175
Fire
83933
21669
20859
27764
13641
Marine
926417
228084
192396
247928
258009
Motor
682321
187902
133585
192018
168816
Health
227933
56850
48009
75308
47766
Others
82.07
75.61
2225336 101.45
538694
446483 100.39
46.35
50.62
39.80
44.40
50.96
84.32
97.24
86.55 105.09
84.32
97.68
92.41 100.28
82.79 101.12
91.77
77.26
55.58
53.54
49.13
58.92
60.96
708753 120.19
531407
Total
99.38
92.86 103.21
90.55
93.77 104.45
97.16 103.89
89.69 105.60
89.27
88.50
91.25
90.01
87.50
Total
84.79
84.61
81.54
86.16
85.57
Total
STATEMENT 57
115386 1240389
28488
26915
39037
20946
Marine
216
3651
59130
UNIVERSAL SOMPO
TOTAL
21629
86425
100093
12825
98653
103927
100
1467
(8)
8295
122018
214186
69539
51536
81957
67207
200610
3938
11471
449
17583
21829
1564
16560
111654
24407
13057
23740
18098
47264
4683
22567
429
3961
5316
5799
1286
(27)
(13)
1324
14822
52408
24034
5576
5787
1899
25129
Health Others
34131
138774
100934
22413
124063
135982
1444
1427
(46)
11962
162408
400925
124257
73910
116743
88638
292433
Total
1005
1276
369
3300
560
2072
31
366
4391
9686
1273
2075
999
283
3329
17369
67082
88345
10220
41483
97738
159
1253
15
8337
92815
190235
63135
42695
69529
58623
158925
3611
7736
519
8649
20653
1639
14344
94710
15706
10525
16286
16521
35520
1920
9340
367
3757
41192
4514
721
1247
8612
35989
12310
2503
2390
1026
10949
26.84
32.22
24.93
(3.99)
93.21
84.95
69.91
33.43
24358
96858
89117
17919
92442
126079
908
52.46
27.52
67.67
99.40
65.72
39.98
58.26
100.51
76.07
88.82
90.79
82.84
84.84
87.23
79.22
76.88
197.56
69.55
87.99
78.77
50.25
126.81
81.26
80.30
77.62
88.26
79.68
42.05
94.04
159.30
85.41
(184.93)
62.39
114.12
84.34
108.54
61.10 (53.59)
1255 (25.32)
16
11830
124545
338062
95105
80.62
54.13
47.74
50.85
Motor
79.08
91.70
67.44
115.73
49.19
94.61
104.81
86.62
84.82
64.35
80.61
68.60
91.29
75.15
98.90
76.69
84.32
76.54
80.05
77.12
86.55
72.43
78.20
40.99
41.39
85.43
94.84
774.90
77.84
56.04
79.56
71.37
69.80
88.29
79.95
74.51
92.72
62.87
87.93
(34.41)
94.20
58.10
68.67
51.22
44.89
41.29
54.04
43.57
Health Others
Total
STATEMENT 58
Incurred Claims Ratio
(Per cent)
Fire Marine
59161 101.23
90037
76719
211814
Total
453
11424
36
123
558
1102
(4)
242
4381
7441
2681
1364
833
264
3092
Fire Marine
230
16424
40
156
1111
869
(7)
387
3839
8823
2470
1692
1538
554
6080
Motor
1885
51
RAHEJA QBE
TATA AIG
(6)
MAGMA HDI
371
(25)
LIBERTY VIDEOCON
SHRIRAM
393
L&T GENERAL
5021
5169
IFFCO-TOKIO
SBI GENERAL
13854
ICICI LOMBARD
1400
3807
HDFC ERGO
ROYAL SUNDARAM
2050
FUTURE GENERALI
3557
3721
CHOLAMANDALAM MS
RELIANCE
880
13350
Fire Marine
BHARTI AXA
BAJAJ ALLIANZ
Insurer
217
1858
2914
47183
TATA AIG
UNIVERSAL SOMPO
TOTAL
36432
197
13838
21
(19)
1244
987
172
4010
5389
1502
1108
1418
430
6128
Marine
19621
10554
17297
9345
35626
Health
2554
9839
243
18515
19437
402
12613
3629
19045
322
384
5012
4841
625
485
13501
37952
14025
3337
6274
1136
22396
Others
24654
108432
54286
3461
110503
116309
794
4889
133268
354900
91447
52133
86913
56463
247468
Total
1384
1109
163
1230
563
2643
32
134
3859
9049
1620
1573
1573
443
6265
Fire
15359
63851
53702
2173
84545
88021
113
3687
98012
190185 109915
53592
35779
59031
45030
170298
Motor
241
49
RAHEJA QBE
SHRIRAM
143
L&T GENERAL
680
5131
IFFCO-TOKIO
SBI GENERAL
11459
ICICI LOMBARD
1188
2708
HDFC ERGO
ROYAL SUNDARAM
1355
FUTURE GENERALI
3023
2893
CHOLAMANDALAM MS
RELIANCE
521
13021
Fire
BHARTI AXA
BAJAJ ALLIANZ
Insurer
29899
222
11219
35
24
279
1029
12
240
3815
5157
2458
839
1102
244
3223
Marine
2620
5227
298
9417
16672
737
10821
94739
13250
9032
13234
7517
23697
940448 207262
16191
64922
37486
3171
74259
101579
173
4091
97682
224565
53111
28020
48192
39034
147970
Motor Health
54.37
85.10
48.12
Fire
47.39
87.43
65.37
93.23
75.21
78.97
59.83
22.39
104.30
195.25
139.56
95.15
95.69
163.65
75.75
77.72
56.64
52.60
Marine
21876
86954
37836
67.06
47.50
59.68
67.82
82.07
112.36
81.08
171.08
97.62
105.42
101.68
69.80
145.93
87.83
115.40
152.55
110.96
99.66
118.08
99.10
78.32
81.64
86.68
86.89
Motor
77.93
102.59
53.12
122.82
50.86
85.77
183.40
85.79
86.19
67.53
85.58
76.51
80.44
66.52
Health
50.31
40.20
23.50
47.20
69.85
40.73
96.35
31.99
110.13
53.24
70.04
44.23
45.21
27.36
23.74
43.04
Others
88.26
88.73
80.19
69.70
144.26
78.33
108.84
52.53
117.32
92.57
101.46
83.81
78.59
75.73
84.14
77.10
Total
Contd.... STATEMENT 58
Incurred Claims Ratio
(Per cent)
86559
126587
417
5736
123367
360091
76643
40973 116.05
65818
47507
190795
Total
66900 1276149
1459
4476
152
268
2042
4664
200
534
7189
26580
6203
1508
1716
270
9639
Others
218
32521
585
33106
(20229)
69785
16065
85850
(26504)
210368
(13.12%)
(19.44%)
171387
(98014)
6.14%
12.65%
(118052)
48843
87932
25.87%
27.90%
Underwriting Profit/Loss
205809
193999
85.57%
87.50%
Commission, Expenses of
Management
639053
531406
795691
2012-13
695285
2011-12
NATIONAL
Net Premium
PARTICULARS
17932
(2315)
15617
(382)
233475
(27.62%)
(217476)
10.22%
89662
33.77%
296182
90.01%
708753
877121
2011-12
84366
16756
101122
13006
278997
(20.20%)
(190880)
8.02%
82353
31.31%
321637
86.16%
814307
1027417
2012-13
NEW INDIA
25339
11295
36634
748
160963
(25.56%)
(125076)
6.56%
34359
32.06%
167900
91.25%
446483
523665
2011-12
53388
26086
79474
(913)
186298
(19.66%)
(105911)
2.85%
15814
37.03%
205337
81.54%
439285
554524
2012-13
ORIENTAL
38679
8249
46928
(7405)
176601
(20.09%)
(122268)
10.21%
69229
28.36%
192298
88.50%
538694
677952
2011-12
52733
9052
61786
(4230)
185383
(16.46%)
(119367)
3.18%
23813.12
30.84%
230970
84.61%
613492
748908
2012-13
UNITED
114471
17814
132286
(27268)
742426
(23.38%)
(582872)
10.14%
281182
30.66%
850378
89.27%
2225336
2774023
2011-12
260272
67960
328232
(18642)
861045
(17.40%)
(514172)
5.46%
170823
30.82%
963752
84.79%
2506137
3126540
2012-13
TOTAL
(` Lakh)
STATEMENT 59
219
12365
29508
12646
42154
2530
45791
7034
19399
2069
35351
(13950)
(13945)
2323
4163
(2.11%) (36.18%)
(7.28%)
(20431)
21.28%
(6166)
8.70%
8.20%
15265
40.97%
29386
84.14%
47507
71728
(18021)
27882
22099
27.09%
27.71%
Underwriting Profit/Loss
86785
74694
72.43%
77.10%
Commission, Expenses of
Management
211814
190795
320315
(14398)
(14393)
1873
9603
(29.19%)
(25869)
11.61%
11637
37.69%
37789
86.55%
76719
100276
2012-13
BHARTI AXA
2012-13 2011-12
269567
2011-12
BAJAJ ALLIANZ
Net Premium
Particulars
1912
(363)
1549
9857
(9.57%)
(8314)
12.28%
12164
29.68%
29409
75.73%
65818
99077
2011-12
FUTURE
GENERALI
HDFC ERGO
(12272)
19.56%
12674
36.16%
23433
78.59%
40973
64807
(12330)
12.15%
10221
32.19%
27079
80.05%
59161
84131
(9820)
21.43%
24941
21.16%
24625
83.81%
76643
116388
6020
2881
8901
(62)
17064
(5145)
(5145)
(37)
7164
(1970)
(1970)
3758
10542
(3970)
(3970)
(8006)
13857
(8101)
13.53%
18262
25.78%
34808
77.12%
90037
135006
15449
2743
18192
(35941)
20699
(2.37%)
(2949)
15.56%
22893
21.82%
32102
76.54%
95105
147151
CHOLAMANDALAM
MS
(41633)
2111
(39521)
(4860)
51677
(24.33%)
(86339)
13.62%
55974
19.75%
81149
101.46%
360091
410874
2011-12
30578
(2410)
28168
(11074)
59873
(5.15%)
(20632)
3.29%
13624
20.14%
83495
84.32%
338062
414549
2012-13
ICICI LOMBARD
(` Lakh)
STATEMENT 60
220
(1483)
(3180)
13479
6149
19628
341
(4663)
100
25475
(3.81%)
(18.13%)
19393
(6188)
12.65%
6.37%
(24156)
23513
9062
23.69%
23.93%
Underwriting Profit/Loss
44052
34058
76.69%
92.57%
Commission, Expenses of
Management
124545
123367
185921
2012-13
142330
2011-12
IFFCO-TOKIO
Net Premium
Particulars
(10596)
(10595)
(995)
969
(216.20%)
(10570)
47.92%
4499
103.56%
9723
117.32%
5736
9388
2011-12
(9328)
(9328)
896
2258
(104.34%)
(12481)
21.59%
3294
82.67%
12613
98.90%
11830
15257
2012-13
L&T GENERAL
(3109)
81.87%
6447
41.67%
3281
87.92%
1255
7874
2012-13
MAGMA
HDI
(1005)
46.38%
686
93.37%
1382
52.53%
417
1480
2011-12
(3966)
(3966)
1478
(938)
(411)
(1349)
(162)
1922
580
(3)
577
(29)
1611
915
(102)
813
(33)
1865
(70.64%)
(1020)
19.78%
356
86.46%
1556
62.87%
908
1800
2012-13
RAHEJA QBE
(5444)
66.76%
(93)
(3871.56%)
5382
(34.41%)
16
(139)
2012-13
LIBERTY
VIDEOCON
(34320)
160
(34160)
(1958)
20610
(45.35%)
(52741)
1.76%
2085
35.93%
42463
108.84%
126587
118394
2011-12
(9277)
(9277)
4945
19320
(24.67%)
(33541)
11.75%
18097
28.20%
43444
92.72%
126079
154079
2012-13
RELIANCE
(` Lakh)
Contd... STATEMENT 60
221
(68)
22
(15058)
78.46%
12605
84.19%
13526
144.26%
4993
16066
(21413)
59.35%
32725
46.99%
25907
79.95%
17919
55138
5467
859
6326
(1130)
(9535)
(11)
(9546)
124
5388
(14516)
(14516)
(175)
7072
SHRIRAM
6153
3079
9231
(185)
7151
4.17%)
2265
16.36%
10621
21.85%
14184
69.70%
37836
64906
11019
5226
16244
(6384)
25903
(3.24%)
(3275)
27.39%
38080
10.86%
15092
88.29%
89117
139014
SBI GENERAL
(46)
87
13465
(12.30%)
(9653)
6.02%
11.53%
(13597)
7948
31.26%
30.06%
14406
41273
74.51%
78.33%
37542
92442
132010
86559
124909
2011-12 2012-13
ROYAL
SUNDARAM
Underwriting Profit/Loss
Commission, Expenses of
Management
Net Premium
Particulars
(2858)
(1647)
(4505)
(693)
14584
(16.97%)
(18397)
17.22%
22560
30.44%
39874
80.19%
86954
130991
(11413)
18.29%
5518
47.03%
14190
88.73%
21876
30172
(6746)
17.68%
7329
39.85%
16520
71.37%
24358
41460
2011-12 2012-13
UNIVERSAL
SOMPO
10536
4415
14951
(1104)
21392
(7866)
(736)
(8602)
(15)
2826
(667)
(332)
(998)
(367)
6115
(5337)
7.68%
11542
31.44%
47252
69.80%
96858
150316
2011-12 2012-13
TATA AIG
(112019.25)
8079
(103940)
(12069)
208067
(20.74%)
(299868)
13.47%
225159
28.11%
469637
88.26%
1276149
1671077
2011-12
67910.91
31669
99580
(40611)
292002
(10.07%)
(184256)
12.18%
253758
26.81%
558430
79.56%
1456224
2084156
2012-13
TOTAL
(` Lakh)
Contd... STATEMENT 60
222
State Government
& Other Approved
Securities
Infrastructure
Investments
Approved
Investments
Other Investments
Total Investments
(` Crore)
STATEMENT 61
1481.72
412.66
358.63
308.49
739.63
3084.06
698.04
82.14
127.72
89.68
68.83
804.57
573.43
170.34
525.62
1177.35
237.47
10940.36
2782.23
4861.68
2740.56
3441.85
13826.32
108.72
68.97
43.34
153.03
374.05
5517.01
30657.75
867.17
1064.04
1931.21
1249.92
324.02
268.99
210.94
567.79
2231.93
522.14
89.65
0.00
0.00
63.49
759.26
480.39
60.86
248.94
737.41
112.43
7928.16
2305.71
3782.28
2428.39
2837.93
11354.31
111.09
54.00
0.00
84.88
249.98
4708.63
24241.07
660.90
920.29
1581.19
2934.08
9338.75
320.86
617.03
937.89
259.78
0.00
111.48
120.80
27.82
0.00
248.89
0.00
0.00
0.00
0.00
65.18
80.38
93.30
92.89
40.32
19.2018
1160.04
1299.03
1466.86
1145.78
1303.90
5215.57
19.33
9.74
0.00
0.00
29.07
3232.38
12986.50
421.20
788.15
1209.35
497.10
55.59
200.89
160.77
136.85
180.25
357.29
10.01
0.00
0.00
0.00
200.55
89.96
93.29
242.49
4.99
38.9272
2268.95
2342.65
2108.15
1378.89
1574.49
7404.19
54.52
14.93
11.54
0.00
80.99
1654.48
8178.67
300.36
397.08
697.45
336.70
80.78
129.19
81.07
120.15
371.69
213.66
20.85
0.00
0.00
24.96
285.78
344.07
69.63
154.69
240.54
41.43
2515.18
778.05
1167.46
625.00
1339.51
3910.02
39.09
14.90
0.00
45.01
99.00
1975.12
10274.82
393.29
457.79
851.08
461.26
107.05
189.97
91.17
175.11
487.04
326.40
18.94
25.10
40.21
24.98
273.47
319.66
129.17
275.68
430.14
86.28
3461.62
883.71
1431.01
806.42
1587.73
4708.86
52.16
15.03
12.01
50.03
129.22
2586.10
15198.17
481.87
588.82
1070.69
1084.24
120.41
158.35
192.91
327.34
697.90
393.74
25.56
0.00
0.00
30.21
455.26
445.80
166.10
299.36
727.20
69.96
5194.33
2173.94
1794.62
1229.75
2082.92
7281.23
56.84
29.82
0.00
49.85
136.51
2884.20
18997.33
498.79
719.32
1218.11
1434.25
173.42
209.08
309.15
461.82
1164.40
454.76
43.38
45.08
35.50
25.08
477.09
640.79
190.83
640.52
577.12
124.80
7007.09
2486.97
2310.56
1591.16
2508.39
8897.08
56.64
39.95
42.40
69.97
208.96
8877.14
38562.68
1394.00
1665.61
3059.61
1613.99
528.57
511.25
318.69
837.50
2776.89
936.03
33.97
0.00
0.00
81.47
1119.07
490.19
293.83
332.68
139.40
164.23
10177.77
3512.41
7263.07
3373.25
5065.31
19214.04
192.48
74.03
0.00
27.23
293.74
10794.14
44193.68
1803.39
1994.92
3798.31
1683.79
708.87
632.51
422.20
1161.10
2645.18
1280.93
84.83
82.93
107.51
98.20
1440.97
456.05
424.44
246.11
245.61
288.69
12009.93
4436.55
6837.01
3720.05
5826.48
20820.10
266.72
101.49
52.01
149.29
569.51
1405.32
3749.13
65.75
79.68
145.43
1.80
22.07
80.01
5.79
7.44
194.40
14.01
20.28
0.00
0.00
0.00
25.15
0.11
0.00
0.00
2.00
1.26
374.31
665.44
295.00
362.70
639.78
1962.92
0.00
6.59
0.00
0.00
6.59
1729.19
5881.88
10.26
9.68
19.94
57.08
26.50
135.06
3.37
21.71
185.71
0.00
16.05
0.00
0.00
0.00
61.15
0.11
0.00
1770.12
0.00
1.01
2277.87
174.07
334.14
347.71
999.50
1855.43
0.00
19.39
0.00
0.00
19.39
5615.20
1484.09
1726.15
1295.15
2696.22
7746.64
3117.42
255.35
280.83
272.90
217.08
3257.80
2080.00
1008.07
3700.54
2435.21
777.18
37965.81
13106.18
17882.55
10584.80
15938.45
57511.98
538.75
259.76
161.29
422.32
1382.12
22165.74 26132.04
99268.48 122991.95
3223.75
3994.10
4268.51
5033.90
7492.26
9028.00
4546.43
1075.85
1259.27
930.18
1888.04
6272.81
2328.47
190.31
0.00
0.00
200.13
2709.70
1840.93
683.72
1128.57
1886.87
408.51
27349.78
10734.57
15769.29
9164.87
13269.34
48938.07
418.83
189.09
0.00
206.98
814.89
31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013 31.3.2012 31.3.2013
Central Government
Securities
BAJAJ ALLIANZ
BHARTI AXA
CHOLAMANDALAM MS
FUTURE GENERALI
HDFC ERGO
ICICI LOMBARD
IFFCO TOKIO
L&T GENERAL
LIBERTY VIDEOCON
MAGMA HDI
RAHEJA QBE
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
SHRIRAM
TATA AIG
UNIVERSAL SOMPO
PRIVATE TOTAL
NATIONAL
NEW INDIA
ORIENTAL
UNITED INDIA
PUBLIC TOTAL
APOLLO MUNICH
MAX BUPA
RELIGARE HEALTH
STAR HEALTH
STANDALONE HEALTH
(TOTAL)
GIC (Reinsurer)
NON-LIFE TOTAL
AIC
ECGC
SPECIALISED INSURERS
(TOTAL)
Insurer
As on 31st
March, 2012
Infusion
As on 31st
During the March, 2013
year
Foreign
Promoter
Indian
Promoter
FDI (%)
BAJAJ ALLIANZ
110.23
0.00
110.23
28.60
81.63
25.95
BHARTI AXA
703.49
142.00
845.49
187.89
657.60
22.22
CHOLAMANDALAM MS
283.65
8.35
291.99
75.92
216.07
26.00
FUTURE GENERALI
520.00
190.00
710.00
181.05
528.95
25.50
HDFC ERGO
523.00
5.55
528.55
137.23
391.32
25.96
ICICI LOMBARD
436.58
0.44
437.02
112.65
324.37
25.78
IFFCO TOKIO
269.32
0.00
269.32
70.02
199.30
26.00
L&T GENERAL
325.00
90.00
415.00
0.00
415.00
0.00
LIBERTY VIDEOCON
--
359.35
359.35
79.40
279.95
22.10
MAGMA HDI
--
100.00
100.00
25.50
74.50
25.50
RAHEJA QBE
207.00
0.00
207.00
53.82
153.18
26.00
RELIANCE
121.19
1.58
122.77
0.00
122.77
0.00
ROYAL SUNDARAM
290.00
25.00
315.00
81.90
233.10
26.00
SBI GENERAL
150.00
0.00
150.00
39.00
111.00
26.00
SHRIRAM
121.22
136.78
258.00
0.00
258.00
0.00
TATA AIG
450.00
55.00
505.00
131.30
373.70
26.00
UNIVERSAL SOMPO
350.00
0.00
350.00
91.00
259.00
26.00
4860.68
1114.04
5974.72
1295.28
4679.44
21.68
100.00
0.00
100.00
0.00
100.00
0.00
PRIVATE TOTAL
NATIONAL
NEW INDIA
200.00
0.00
200.00
0.00
200.00
0.00
ORIENTAL
100.00
50.00
150.00
0.00
150.00
0.00
UNITED INDIA
150.00
0.00
150.00
0.00
150.00
0.00
PUBLIC TOTAL
550.00
50.00
600.00
0.00
600.00
0.00
5410.68
1164.04
6574.72
1295.28
5279.44
19.70
TOTAL
STANDALONE HEALTH
APOLLO MUNICH
254.65
54.33
308.98
79.04
229.94
25.58
MAX BUPA
352.00
152.00
504.00
131.04
372.96
26.00
--
175.00
175.00
0.00
175.00
0.00
278.77
48.18
326.95
81.27
245.68
24.86
AIC
200.00
0.00
200.00
0.00
200.00
0.00
ECGC
900.00
100.00
1000.00
0.00
1000.00
0.00
RELIGARE HEALTH
STAR HEALTH
SPECIALISED INSURERS
REINSURER
GIC
GRAND TOTAL
430.00
0.00
430.00
0.00
430.00
0.00
7826.10
1693.55
9519.65
1586.63
7933.02
16.67
-- Not Applicable.
223
March
2012
June
2012
September
2012
December
2012
March
2013
1.56
1.84
1.84
1.86
1.79
PRIVATE INSURERS
BAJAJ ALLIANZ
BHARTI AXA
2.18
1.81
1.91
1.50
1.36
CHOLAMANDALAM MS
1.33
1.33
1.49
1.45
1.42
FUTURE GENERALI
1.69
1.65
1.50
1.55
1.78
HDFC ERGO
1.57
1.57
1.55
1.51
1.61
ICICI LOMBARD
1.36
1.43
1.49
1.38
1.55
IFFCO TOKIO
1.22
1.37
1.34
1.38
1.43
L&T GENERAL
2.41
2.09
3.09
2.60
2.26
LIBERTY VIDEOCON
--
--
--
6.53
6.27
MAGMA HDI
--
--
--
37.74
11.44
RAHEJA QBE
3.77
3.85
3.85
3.89
3.96
RELIANCE
1.39
1.35
1.54
1.59
1.62
ROYAL SUNDARAM
1.36
1.38
1.43
1.48
1.44
10.23
9.35
6.71
4.92
3.20
SHRIRAM
0.92
1.90
1.76
1.63
1.57
TATA AIG
1.40
1.63
1.71
1.70
1.61
UNIVERSAL SOMPO
2.95
2.79
2.69
2.43
2.38
NATIONAL
1.37
1.44
1.55
1.55
1.50
NEW INDIA
2.03
1.75
1.85
2.21
2.50
ORIENTAL
1.38
1.38
1.41
1.43
1.51
UNITED INDIA
2.71
2.84
2.78
2.50
2.52
APOLLO MUNICH
1.59
1.87
1.80
2.08
1.77
MAX BUPA
1.91
2.18
2.08
2.11
2.12
--
--
3.10
2.84
2.45
1.66
1.62
1.39
1.50
1.91
3.18
3.61
3.17
3.21
2.47
10.10
9.09
10.94
11.86
9.64
1.59
1.60
2.29
2.43
2.39
SBI GENERAL
PUBLIC INSURERS
STANDALONE HEALTH
RELIGARE HEALTH
STAR HEALTH
SPECIALISED INSURERS
AIC
ECGC
REINSURER
GIC
-- Not Applicable.
224
3470
14152
Commission
225
Misc
65455
449
60521
31426
2947
2947
2836
2836
(1917)
(1917)
19698 665434
2947 (1917)
20524
4815 138893
1242
13641 474591
22645 663517
2589
2394
17655 537092
Marine
2011-12
APPROPRIATIONS
Transfer to Shareholders'
Account
Transfer to Catastrophe
Reserve
Transfer to Other Reserves
TOTAL (C )
TOTAL (B)
Operating Profit/(Loss) from
Fire/Marine/Miscellaneous
Business C = (A - B)
Foreign Taxes
60797
2836
43175
63633
5724
11
5292
52606
Fire
TOTAL (A)
Others
PARTICULARS
3866
3866
745929
3866
20524
157861
36138
531406
749795
73768
466
68207
607353.06
Total
24311
24311
57343
24311
17727
3588
36028
81653
9231
112
8748
63562
Fire
NATIONAL
Misc
74605
350
70705
33821
10103
10103
13387
13387
17503 794613
10103 13387
24597
4966 144064
1643
10894 592131
27606 808000
3387
64
3210
20946 662340
Marine
2012-13
96
(130)
40323
19301
165735
158143
21359
(11004)
9892
137897
Fire
47800 (67183)
47800 (67183)
869459 225326
47800 (67183)
24597
166757
39052
639053
917259
87222
525
82663
746848.30
Total
Misc
75625
35024
68206
52
(459)
Fire
27274
7484
14747
149
(622)
206432
89750
36
50152
24133
708753 126651
926503 207381
102553
(11004)
47495
787459 157875
Total
(1889)
(1889)
(8886)
(8886)
(77958)
(77958)
6409
6409
(34)
10317 155791
2243
27764 515254
38402 729958
5569
2579
30253 619309
Marine
2011-12
NEW INDIA
Misc
Total
86763
46913
55411
36
(52)
13472 (17357)
13472 (17257)
35803 899185
13472 (17357)
(4)
11577 175592
4773
19457 668199
49276 881828
6645
3593
2524
2624
1135961
2524
36
(20)
237320
84317
814307
1138485
120683
7484
65254
Marine
2012-13
(` Lakh)
STATEMENT 64
2937
17693
Commission
226
(6447)
Total
56276
(110)
49244
67238
(141)
58837
27136
32453
(628)
(750)
932
932
932
7123
7123
7123
1607
1607
1607
(37)
2380
3351
(61)
2932
11435
11435
11435
66093
122
28004
2212
35756
77528
9162
70
8811
59486
Total
62451
(96)
60058
75249
(259)
72365
25590
30467
832
1003
3535
3535
3535
25471
25471
25471
40441
40441
40441
48
2664
3636
(233)
3497
Misc
2012-13
Fire Marine
ORIENTAL
TOTAL (C )
(6447)
APPROPRIATIONS
72180
(6447)
TOTAL (B)
Foreign Taxes
(85)
51634
65733
7611
30
6660
51432
Misc
2011-12
Fire Marine
TOTAL (A)
Others
PARTICULARS
3910
3910
3910
63695
413
18029
1065
44188
67604
5710
3451
58441
Misc
Total
56850
107
34358
65753
114
39739
33778
35692
4110
4753
231
850
3193
1930
Fire Marine
2011-12
4964
4964
4964
82523
302
24629
2440
55151
87486
10745
70
3194
73477
77911
553
32754
92244
651
37537
25255
30808
3101
3554
(1225)
(1225)
(1225)
3773
3773
3773
7512
7512
7512
150
3113
3588
28
1589
Total
(93900)
(93900)
(93900)
3099768
149
23905
656344
194033
2225336
3005867
309313
(10565)
214278
2492842
2011-12
98278
98378
98278
3499059
36
29134
779109
184644
2506137
3597337
375398
8402
257819
2955717
2012-13
TOTAL
(` Lakh)
Contd... STATEMENT 64
Misc
2012-13
Fire Marine
UNITED
227
51006
4000
649
13914
2365
2500
32521
1542
2765
46928
8249
38679
266
(10047)
15617
(2315)
17932
5083
13283
5083
60353
7031
17000
2889
(3441)
(4166)
101122
16756
84366
2908
19450
5067
822
(479)
2455
36634
11295
25339
40928
10650
1810
30
268
79474
26086
53388
14411
7800
1264
15204
903
244
21229
897
8746
2788
33106 85849.83
585
16065
32521
69785
206
32
77
49
2660
225
9736
49694
38254
23119
341
182
(1176)
269
617
79742
19720
18964
3910
1110
(26435)
(21415)
318
389
(11119)
417
2594
39089
18607
16282
11435
3535
25471
40441
76
1474
1372
96956
60401
32659
(6447)
932
7123
1607
(1349)
(11451)
101
5569
57019
26407
6409
13472
(17357)
2524
17769
10600
1800
22565
862
1616
61786
9052
52733
72
1455
(774)
291
63401
38536
17062
4964
(1225)
3773
7512
2011-12 2012-13
UNITED INDIA
533
88638
20693
19789
(178)
(67183)
(1889)
(8886)
(77958)
2011-12 2012-13
ORIENTAL
8794
41853
15168
14244
(219)
24311
10103
13387
47800
2011-12 2012-13
2011-12 2012-13
2836
2947
(1917)
3866
NEW INDIA
NATIONAL
OTHER INCOME
TOTAL (A)
PROVISIONS (Other than taxation)
(a) For diminution in the value of investments
(b) For doubtful debts
(c) Others
OTHER EXPENSES
(a) Expenses other than those related to Insurance Business
(b) Bad debts written off
(c) Others
TOTAL (B)
Profit Before Tax
Less: Provision for Taxation
Profit after Tax
Transfer from General Reserves for UK Equilisation Reserve*
APPROPRIATIONS
(a) Interim dividends paid during the year
(b) Proposed final dividend
(c) Dividend distribution tax
(d) Contingency reserves for Unexpired Risks
(e)Transfer to any Reserves or Other Accounts
Transfer to General Reserve
Transfer to UK Equalisation Reserve
Balance of Profit / Loss B/f from last year
Balance C/f to Balance Sheet
OPERATING PROFIT/(LOSS)
PARTICULARS
79666
5083
16867
2735
15204
22557
3919
132286
17814
114471
5083
395
(8)
(19665)
641
21225
136205
129048
80052
(219)
(66884)
3099
(30116)
(93900)
170056
7031
52164
8864
25065
(1652)
505
328232
67960
260272
2908
413
1745
(476)
475
2812
328737
139349
88475
(178)
47118
25886
25274
98278
2011-12 2012-13
TOTAL
(` Lakh)
STATEMENT 65
9916
Fixed Assets
228
713583
365156
1078739
(850680) (1027403)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
TOTAL
2428
228060
Sub-Total (A)
113186
957836
1442473
431828
1010645
415070
274534
114874
140536
14525
23185
1947529
957836
706029
241806
10000
CURRENT ASSETS
25119
1727732
914514
Loans
Investments
APPLICATION OF FUNDS
TOTAL
Borrowings
188300
716214
10000
2317649
10294
(584002)
1908919
561824
1347095
1324916
610699
714217
13233
15472
42331
2820322
2317649
1544520
753130
20000
2013
2428450
6862
(763329)
2115965
657531
1458433
1352636
611837
740799
13724
15286
38570
3117335
2428450
1576176
832275
20000
2012
2012
2013
NEW INDIA
NATIONAL
Share Capital
SOURCES OF FUNDS
989382
8914
(626501)
1016653
334714
681939
390153
191549
198604
10780
22586
1573603
989382
771529
207852
10000
2012
2013
1043325
5943
(727692)
1150555
369242
781313
422863
221915
200949
10549
21175
1733350
1043325
784544
243780
15000
ORIENTAL
1462529
412543
1049986
411384
278149
133235
11103
33375
1876628
869961
374698
480263
15000
2013
5238291
1638268
3600023
2336207
1171537
1164670
13233
46512
125604
7760073
5064974
3420945
1589029
55000
2012
60000
2013
6171521
1871144
4300377
2601953
1386434
1215519
13724
51464
116305
8674842
5299572
3441448
1798124
TOTAL
843429
869961
5064974
21635
5299572
12805
1233980
376575
857405
393079
256104
136975
10345
35569
1638417
843429
388681
439747
15000
2012
UNITED
(` Lakh)
STATEMENT 66
3628
229
265716
32
195
67223
7471
190795
277475
28147
1933
(73)
247468
2011-12
(233)
1524
(484)
283
1368
381
106
880
Fire
TOTAL (C )
APPROPRIATIONS
Operating Profit/(Loss) C= (A - B)
11320
11320
11320
2056
2056
2056
19829
19829
19829
33205
33205
33205
11759
11759
11759
299
299
299
1069
298595
200
(204)
76874
9911
211814
331801
37650
2084
(367)
292433
2012-13
TOTAL (B)
287554
200
(204)
71853
10311
205394
307383
33384
1322
(325)
273003
Misc.
(21)
4961
1393
476
3092
7018
915
31
(9)
6080
Marine
BAJAJ ALLIANZ
Others-Miscellaneous
Premium Deficiency
Solatium Fund
6080
(877)
Commission
3329
17400
TOTAL (A)
3351
732
Others
(33)
13350
Fire
PARTICULARS
(36)
(36)
(36)
788
619
(95)
264
752
155
43
554
Marine
(14281)
(14281)
(14281)
112430
24
33467
2759
76171
98149
8586
2324
34
87205
Misc.
BHARTI AXA
(14017)
(14017)
(14017)
114287
(12)
(209)
35610
2180
76719
100270
9122
2473
37
88638
2012-13
(15177)
(15177)
(15177)
77216
72
208
43
28960
426
47507
62039
3548
2020
56463
2011-12
(` Lakh)
STATEMENT 67
230
TOTAL (C )
2036
2036
2036
Operating Profit/(Loss) C= (A - B)
APPROPRIATIONS
2425
TOTAL (B)
Others-Miscellaneous
Premium Deficiency
Solatium Fund
1435
(9)
Commission
999
4460
TOTAL (A)
726
Others
3721
Fire
PARTICULARS
486
486
486
1166
684
(351)
833
1651
108
1538
Marine
3072
3072
3072
121254
30984
2064
88205
124326
12685
152
111484
Misc.
5594
5594
5594
124844
33103
1705
90037
130438
13518
15
161
116743
2012-13
CHOLAMANDALAM MS
(996)
(996)
(996)
95227
28041
1368
65818
94231
7249
63
86913
2011-12
(1269)
(1269)
(1269)
4151
92
2665
(681)
2075
2882
779
52
2050
Fire
(337)
(337)
(337)
2378
1113
(99)
1364
2041
327
22
1692
Marine
(3443)
(3443)
(3443)
79803
21649
2431
55723
76360
5793
13
385
70169
Misc.
(5050)
(5050)
(5050)
86332
92
25427
1652
59161
81283
6898
16
459
73910
2012-13
(7485)
(7485)
(7485)
64405
23599
(166)
40973
56921
4432
21
335
52133
2011-12
(` lakh)
Contd... STATEMENT 67
FUTURE GENERALI
231
TOTAL (C )
2742
2742
2742
Operating Profit/(Loss) C= (A - B)
APPROPRIATIONS
1998
1802
TOTAL (B)
Others-Miscellaneous
Premium Deficiency
Solatium Fund
(1077)
1273
Commission
4740
802
TOTAL (A)
102
29
3807
Fire
Others
PARTICULARS
(645)
(645)
(645)
3379
823
(126)
2681
2734
247
2470
Marine
10624
10624
10624
121830
36078
(5399)
91151
132454
13603
373
498
117980
Misc.
HDFC ERGO
12721
12721
12721
127207
38704
(6602)
95105
139927
14652
481
537
124257
2012-13
(7834)
(7834)
(7834)
109062
7794
28984
(4359)
76643
101227
9058
(18)
740
91447
2011-12
(374)
(374)
(374)
16428
6378
364
9686
16053
974
1061
165
13854
Fire
(2079)
(2079)
(2079)
11632
(173)
3802
562
7441
9554
664
(46)
112
8823
Marine
29664
29664
29664
393324
91627
(19237)
320934
422988
38956
(1661)
7444
378248
Misc.
27211
27211
27211
421384
(173)
101807
(18312)
338062
448595
40594
(646)
7721
400925
2012-13
(46684)
(46684)
(46684)
441227
(12)
87284
(6135)
360091
394544
26383
8815
4446
354900
2011-12
(` Lakh)
Contd... STATEMENT 67
ICICI LOMBARD
(895)
1340
Commission
232
TOTAL (C )
APPROPRIATIONS
Operating Profit/(Loss) C= (A - B)
TOTAL (B)
Others-Miscellaneous
Premium Deficiency
Solatium Fund
967
967
967
4836
4391
5803
665
TOTAL (A)
(43)
12
5169
Fire
Others
PARTICULARS
(371)
(371)
(371)
5062
923
(242)
4381
4691
743
96
13
3839
Marine
15709
15709
15709
158698
42257
668
115772
174407
20553
95
359
153400
Misc.
IFFCO TOKIO
16304
16304
16304
168596
44520
(468)
124545
184901
21961
148
384
162408
2012-13
(8003)
(8003)
(8003)
157424
35257
(1200)
123367
149421
15777
(5)
381
133268
2011-12
(1307)
(1307)
(1307)
1859
(2)
1566
(71)
366
552
140
19
393
Fire
(311)
(311)
(311)
749
(5)
482
30
242
438
44
387
Marine
(8782)
(8782)
(8782)
20956
(873)
9995
611
11222
12174
873
119
11182
Misc.
(10400)
(10400)
(10400)
23564
(880)
12043
571
11830
13164
1057
144
11962
2012-13
(11226)
(11226)
(11226)
16400
941
9878
(155)
5736
5174
248
37
4889
2011-12
(` Lakh)
Contd... STATEMENT 67
L&T GENERAL
(21)
233
TOTAL (C )
APPROPRIATIONS
Operating Profit/(Loss) C= (A - B)
TOTAL (B)
Others-Miscellaneous
Premium Deficiency
Solatium Fund
(470)
(470)
(470)
445
446
(2)
Commission
(4998)
(4998)
(4998)
4977
23
4936
15
(5468)
(5468)
(5468)
5422
24
5382
16
(46)
(0)
(46)
2012-13
(6)
Fire
(172)
(172)
(172)
191
240
(50)
19
(25)
(21)
Misc.
TOTAL (A)
Marine
24
(0)
(25)
Fire
LIBERTY VIDEOCON
Others
PARTICULARS
(7)
(7)
(7)
(7)
(7)
Marine
(2627)
(2627)
(2627)
4349
2717
374
1253
1722
274
1440
Misc.
(2806)
(2806)
(2806)
4540
2957
324
1255
1734
298
1427
2012-13
(` Lakh)
Contd... STATEMENT 67
MAGMA HDI
12
77
31
(1)
90
TOTAL (A)
Commission
234
TOTAL (C )
(43)
(43)
(43)
Operating Profit/(Loss) C= (A - B)
APPROPRIATIONS
120
TOTAL (B)
Others-Miscellaneous
Premium Deficiency
Solatium Fund
13
51
Fire
Others
PARTICULARS
(0)
(4)
Marine
(791)
(791)
(791)
2344
1186
278
880
1554
164
(2)
1386
Misc.
Raheje QBE
(826)
(826)
(826)
2464
1278
278
908
1638
177
12
1444
2012-13
(889)
(889)
(889)
1823
25
1243
138
417
935
114
25
794
2011-12
2300
2300
2300
2502
1054
(624)
2072
4802
1138
108
3557
Fire
(633)
(633)
(633)
1712
179
295
136
1102
1080
192
18
869
Marine
(16089)
(16089)
(16089)
165488
37605
4978
122905
149399
16446
(21)
1418
131556
Misc.
(14422)
(14422)
(14422)
169702
179
38954
4490
126079
155280
17776
(21)
1544
135982
2012-13
(38448)
(38448)
(38448)
169079
30
38336
4127
126587
130631
12621
48
1653
116309
2011-12
(` Lakh)
Contd... STATEMENT 67
RELIANCE
235
TOTAL (C )
APPROPRIATIONS
Operating Profit/(Loss) C= (A - B)
TOTAL (B)
Others-Miscellaneous
Premium Deficiency
Solatium Fund
568
568
568
1562
1270
(268)
560
2130
726
1400
Fire
Commission
TOTAL (A)
Others
PARTICULARS
265
265
265
964
416
(11)
558
1229
117
1111
Marine
2516
2516
2516
131189
35970
3895
91324
133706
12053
13
88
121552
Misc.
3349
3349
3349
133715
37656
3617
92442
137064
12896
13
93
124063
2012-13
ROYAL SUNDARAM
(3176)
(3176)
(3176)
124101
35318
2224
86559
120924
10338
75
110503
2011-12
(7192)
(7192)
(7192)
13895
9551
1045
3300
6704
1540
143
5021
Fire
(173)
(173)
(173)
343
222
(3)
123
170
12
156
Marine
(10927)
(10927)
(10927)
29588
13578
1515
14496
18661
1336
(34)
124
17235
Misc.
(18292)
(18292)
(18292)
43826
23350
2557
17919
25534
2888
(34)
267
22413
2012-13
(14282)
(14282)
(14282)
18519
13451
75
4993
4237
659
93
24
3461
2011-12
(` Lakh)
Contd... STATEMENT 67
SBI GENERAL
132
236
12537
1647
TOTAL (C )
100
100
100
Operating Profit/(Loss) C= (A - B)
APPROPRIATIONS
411
TOTAL (B)
(10)
(10)
(10)
13701
13701
13701
109964
13791
13791
13791
110437
7833
7833
7833
52218
179
6228
13445
1648
37836
Others-Miscellaneous
6228
13291
1732
89117
18
63
21
88712
60051
Premium Deficiency
Solatium Fund
(91)
Commission
36
124229
4079
4079
4079
(1320)
66
1730
(4392)
1276
2759
828
369
123665
5653
52
23088
511
23012
TOTAL (A)
12
112
64
207
1885
Fire
131
54286
2011-12
19
100934
2012-13
76
100523
Misc.
Others
40
Marine
27
371
Fire
SHRIRAM
PARTICULARS
1680
1680
1680
16552
2991
2136
11424
18232
1744
(54)
118
16424
Marine
3047
3047
3047
128986
(1)
29
12
41364
3423
84159
132033
11160
(346)
755
120464
Misc.
TATA AIG
8807
8807
8807
144217
(1)
29
79
46085
1167
96858
153024
13731
(381)
900
138774
2012-13
(7641)
(7641)
(7641)
126948
96
(25)
49
37400
2474
86954
119307
10556
(260)
580
108432
2011-12
(` Lakh)
Contd... STATEMENT 67
237
36550
TOTAL (C )
APPROPRIATIONS
Operating Profit/(Loss) C= (A - B)
TOTAL (B)
554
554
554
(828)
(828)
(828)
(2661)
(2661)
(2661)
(2936)
(2936)
(2936)
41209
325
14415
2105
(9586)
(9586)
(9586)
35925
(145)
13361
829
21876
26339
1869
(87)
(98)
24654
2011-12
(441)
(165)
79
551609
6821
1456224
2067107
220395
4288
12026
1830399
2012-13
46766
46766
46766
2020342
(13)
1113
11575
2069
24358
38273
4088
(79)
133
34131
2012-13
325
403
(69)
22900
33889
3590
(69)
117
30250
Misc.
TOTAL
6228
3545
2437
104
453
285
55
(1)
230
Marine
UNIVERSAL SOMPO
(151835)
(151835)
(151835)
1755290
7794
347
1097
216
49
460872
8765
1276149
1603455
136651
12712
8173
1445919
2011-12
(` Lakh)
Contd... STATEMENT 67
Others-Miscellaneous
Premium Deficiency
Solatium Fund
Commission
1005
443
(9)
Others
TOTAL (A)
14
3651
Fire
PARTICULARS
575
19536
Other Income
TOTAL (A)
238
68338
55973
97846
68338
12646
29508
7034
12365
123
42154
137
19399
108
15
834
42277
8319
189
(270)
11320
2056
19829
2012-13
144
APPROPRIATIONS
(a) Interim dividends paid during the year
(b) Proposed final dividend
(c) Dividend distribution tax
(d) Transfer to any Reserves or Deferred Tax
of last year or reserve for Unexpired Risks
(e) Catastrophe Reserve
OTHER EXPENSES
(a) Expenses other than those related to
Insurance Business
(b) Bad debts written off
(c) Others -preliminary & pre-operative,
amortisations
TOTAL (B)
(7)
7221
56
(75)
5428
1526
4805
2011-12
BAJAJ ALLIANZ
OPERATING PROFIT/(LOSS)
(a) Fire Insurance
(b) Marine Insurance
(c ) Miscellaneous Insurance
PARTICULARS
(52342)
(38392)
5
(13950)
(13945)
(66740)
(52342)
5
(14398)
(14393)
858
851
91
91
37
(13536)
352
93
299
(36)
(14281)
2012-13
8
(13854)
437
170
708
(861)
(135)
(14182)
2011-12
BHARTI AXA
(957)
(955)
(363)
1912
1549
1549
2511
34
(0)
640
163
(1799)
2011-12
3499
(2521)
2881
6020
8901
48
48
8949
3292
92
(30)
2036
486
3072
2012-13
(33534)
(28388)
(5145)
(5145)
44
44
(5102)
2215
168
(1421)
(344)
(5720)
2011-12
(35503)
(33534)
(1970)
(1970)
81
29
52
(1888)
2964
212
(15)
(1269)
(337)
(3443)
2012-13
(24327)
(20357)
(3970)
(3970)
94
93
(42)
(3876)
3698
302
1662
(1264)
(8232)
2011-12
(8878)
(24327)
2743
15449
18192
151
142
112
18343
5315
195
2742
(645)
10624
2012-13
HDFC ERGO
(39868)
1765
2111
(41633)
(39521)
(9290)
(39868)
(2410)
30578
28168
10450
1967
235
7
329
3332
265
211
5419
2353
235
38617
10048
1510
(386)
(374)
(2079)
29664
2012-13
200
2796
478
(36190)
8726
1795
(506)
(2360)
(2093)
(42230)
2011-12
ICICI LOMBARD
(` Lakh)
STATEMENT 68
239
853
6149
13479
(1483)
(3180)
14333
853
92
19628
76
(4663)
4033
92
76
285
19720
3077
54
3159
76
181
(4587)
967
(371)
15709
2012-13
(168)
(910)
(6925)
2011-12
IFFCO TOKIO
APPROPRIATIONS
(a) Interim dividends paid during the year
(b) Proposed final dividend
(c) Dividend distribution tax
(d) Transfer to any Reserves or Deferred Tax
of last year or reserve for Unexpired Risks
(e) Catastrophe Reserve
Other Income
TOTAL (A)
Provisions (Other than taxation)
(a) For diminution in the value of investments
(b) For doubtful debts
(c) Others
OTHER EXPENSES
(a) Expenses other than those related to
Insurance Business
(b) Bad debts written off
(c) Others -preliminary & pre-operative,
amortisations
TOTAL (B)
Profit Before Tax
Less: Prior Period Adjustments Account
Less: Provision for Taxation/Deferred Tax
Profit After Tax
OPERATING PROFIT/(LOSS)
(a) Fire Insurance
(b) Marine Insurance
(c ) Miscellaneous Insurance
INCOME FROM INVESTMENTS
(a) Interest, Dividend & Rent Gross
(b) Profit on sale of investments
Less: Loss on sale of investments
PARTICULARS
(17337)
(6741)
1
(10596)
54
(10595)
54
1
(10541)
596
100
(11)
(714)
(481)
(10032)
2011-12
(26665)
(17337)
(9328)
43
(9328)
43
1
(9285)
880
235
(1)
(1307)
(311)
(8782)
2012-13
L&T GENERAL
(4444)
(478)
(3966)
635
(3966)
284
351
120
(3331)
2017
(4998)
(470)
2012-13
LIBERTY
VIDEOCON
(940)
(2)
(411)
(938)
159
(1349)
159
(1191)
1595
20
(172)
(7)
(2627)
2012-13
MAGMA
HDI
(1646)
(2226)
(3)
580
30
577
30
607
1461
34
(106)
(13)
(769)
2011-12
(731)
(1646)
(102)
915
44
813
44
857
1635
48
(43)
7
(791)
(87069)
(52749)
160
(34320)
2188
(34160)
(96346)
(87069)
(9277)
3144
(9277)
81
3063
2117
71
287
(6133)
7310
1033
(341)
2300
(633)
(16089)
2012-13
194
(31972)
5545
768
(31)
580
(27)
(39001)
2011-12
RELIANCE
(` Lakh)
Contd... STATEMENT 68
2012-13
RAHEJA QBE
240
2387
7854
2387
859
5467
(68)
22
2365
6326
1156
(46)
56
1121
8
26
12
7482
135
11
56
4085
35
568
265
2516
2012-13
3023
30
659
668
(4503)
2011-12
ROYAL SUNDARAM
APPROPRIATIONS
(a) Interim dividends paid during the year
(b) Proposed final dividend
(c) Dividend distribution tax
(d) Transfer to any Reserves or Deferred Tax of
last year or reserve for Unexpired Risks
(e) Catastrophe Reserve
OTHER EXPENSES
(a) Expenses other than those related to
Insurance Business
(b) Bad debts written off
(c) Others -preliminary & pre-operative,
amortisations
TOTAL (B)
OPERATING PROFIT/(LOSS)
(a) Fire Insurance
(b) Marine Insurance
(c ) Miscellaneous Insurance
PARTICULARS
SHRIRAM
(13316)
(3781)
(11)
(9535)
(9546)
12
12
44
(9533)
4539
165
(8462)
(138)
(5682)
(27832)
(13316)
(14516)
(14516)
154
154
14
(14362)
3585
331
(7192)
(173)
(10927)
8605
2452
3079
6153
9231
24
24
19623
8605
5226
11019
16244
302
302
16546
21
19
9255
2734
100
(10)
13701
1404
107
(38)
7764
SBI
(238)
2620
(1647)
(2858)
(4505)
833
698
132
3151
298
(272)
792
(3672)
2462
(1213)
(8890)
2011-12
10298
(238)
4415
10536
14951
191
14
177
5355
1406
(1228)
803
15142
4079
1680
3047
2012-13
TATA AIG
(19666)
(11800)
(736)
(7866)
(8602)
17
2
15
1090
60
(169)
21
(8585)
(695)
(77)
(8814)
2011-12
(20333)
(19666)
(332)
(667)
(998)
33
24
9
1945
115
(92)
3
(965)
554
(828)
(2661)
2012-13
(2521)
31669
67911
99580
17662
3112
1580
1733
211
5611
5416
64508
5569
(2341)
2742
117243
14138
(936)
33563
2012-13
(209160) (144250)
(96185) (209640)
(955)
8079
(112019)
(103940)
6988
13
448
1490
2921
2117
48777
4056
(338)
2387
(96953)
(3250)
(4376)
(144209)
2011-12
TOTAL
(` Lakh)
Contd... STATEMENT 68
UNIVERSAL SOMPO
241
3760
126763
290842
151185
442027
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
85697
125531
TOTAL
95873
52342
(77423)
98011
39969
58042
20588
13705
6883
3192
107587
85697
528194
180639
347555
149932
36772
113161
4071
28413
471308
125531
(315265) (378262)
37496
89266
CURRENT ASSETS
20808
386569
95873
Fixed Assets
Loans
Investments
APPLICATION OF FUNDS
TOTAL
Others
Borrowings
100698
66740
(116562)
132895
51532
81362
16333
11664
4669
2109
148411
100698
16147
202302
68066
134236
68457
66729
1728
62
4959
172417
43594
(88)
14483
29199
2013
32569
43594
(97135) (133845)
118306
49600
68706
21171
17216
3955
383
3591
125730
32569
(87)
4292
28365
2012
52000
2012
61474
33534
(64577)
91224
35247
55977
26647
21765
4882
1597
90920
61474
(26)
(150)
15347
84549
2013
184912
70993
113919
39342
19661
19681
9971
188776
77504
31
(27)
25200
52300
2012
254797
93914
160883
45768
27851
17918
11122
269570
80541
17
(51)
27720
52855
2013
HDFC ERGO
901732
200670
701061
406577
364003
42574
2617
39960
603362
190651
4959
19
142015
43658
2012
993346
218746
774600
391547
333586
57962
5027
40043
750252
202814
6905
10044
142164
43702
2013
ICICI LOMBARD
(` Lakh)
STATEMENT 69
71001
35503
77504
24327
80541
8878
190651
39868
202814
9290
126021
45782
80239
36139
28062
8078
1357
124022
71001
71000
2013
FUTURE
GENERALI
114508
70349
2012
CHOLAMANDALAM
MS
9500
85000
11023
2013
BHARTI AXA
11023
2012
BAJAJ ALLIANZ
Share Capital
SOURCES OF FUNDS
242
130832
159271
72430
231701
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
32510
(11622)
15945
6559
9386
4323
TOTAL
66966
829
3494
17337
53488
(132266)
290088
95943
194146
157823
36378
121445
(100869)
40986
89846
CURRENT ASSETS
645
795
41529
26665
(18600)
27166
9009
18156
8566
7770
35935
4444
6921
998
(45)
1043
7919
1536
6383
20800
940
(8481)
10381
6447
3934
1899
1258
641
791
260
20707
1646
(1137)
1868
949
919
731
645
86
181
20013
20707
20708
731
(1965)
2900
1335
1565
935
825
110
106
127
21708
20708
20700
2013
270213
158450
(756)
147087
12119
2012
158450
87069
(208078)
236118
60622
175497
28040
21830
6210
3727
3960
2286
27290
20800
20700
2012
8418
22283
35935
10800
10000
2013
12278
2013
174176
96346
(256645)
356857
78906
277950
100211
94753
5458
3727
2504
2994
325250
174176
(530)
162429
RELIANCE
3006
8264
25047
41529
35935
2013
RAHEJA QBE
2512
2743
18531
32510
29
41500
2013
MAGMA
HDI
2698
195844
66966
10
32500
2012
LIBERTY
VIDEOCON
Fixed Assets
147700
53488
40032
26932
2013
L&T GENERAL
(` Lakh)
Contd... STATEMENT 69
Loans
Investments
APPLICATION OF FUNDS
TOTAL
Others
Borrowings
26553
26932
2012
IFFCO-TOKIO
Share Capital
SOURCES OF FUNDS
243
584
106675
63995
170670
Sub-Total (A)
CURRENT LIABILITIES
Provisions
Sub-Total (B)
65315
45590
TOTAL
36121
13316
(17785)
28425
14066
14359
10640
4023
6617
6868
62916
65315
50310
15000
2012
65292
27832
(60696)
80991
46879
34112
20295
5114
15180
9721
88435
65292
(18)
50310
15000
2013
SBI GENERAL
190346
71993
118353
24471
19236
5235
2033
1471
207960
45590
(164)
14254
31500
2013
(149765) (165874)
20905
7014
13892
CURRENT ASSETS
1249
184053
36121
Fixed Assets
Loans
Investments
APPLICATION OF FUNDS
TOTAL
Others
Borrowings
(166)
7287
29000
2012
ROYAL
SUNDARAM
Share Capital
SOURCES OF FUNDS
342453
75400
267053
191384
187510
3874
1289
2163
193041
45423
19623
25800
2013
181693
67217
114475
32109
21390
10719
2836
2986
188687
44925
(1349)
1274
45000
2012
2013
236406
78699
157707
45402
30247
15155
248
9230
243521
61994
(316)
11810
50500
TATA AIG
23405
45423
44925
61994
231891
38318
193573
139197
137940
1257
955
2288
112857
23405
2678
8605
12122
2012
SHRIRAM
43429
19666
(19490)
52527
18041
34486
33037
11519
21518
818
1735
40700
43429
(151)
8580
35000
2012
2987051
889861
2097190
1040902
729564
311338
19644
107898
3006
2548615
1022119
31
2273
12197
521550
486068
2012
17
5519
10044
632861
597472
2013
3848552
1148954
2699598
1282750
903037
379713
19149
128052
2994
3363815
1245912
TOTAL
43319
20333
1022119
289105
1245912
297703
72413
25709
46704
15669
13746
1922
1150
1124
77457
43319
(261)
8580
35000
2013
UNIVERSAL
SOMPO
(` Lakh)
Contd... STATEMENT 69
17508.90
244
TOTAL (C )
(6170.49)
(6170.49)
(6170.49)
APPROPRIATIONS
37733.24
17410.95
TOTAL (B)
Foreign Taxes
2813.39
31562.75
TOTAL (A)
Commission
1415.28
65.08
30082.39
2011-12
(2840.85)
(2840.85)
(2840.85)
49343.83
18917.23
4229.07
26197.53
46502.98
2151.37
138.65
44212.96
2012-13
APOLLO MUNICH
Others
PARTICULARS
(12851.22)
(12851.22)
(12851.22)
18360.92
14925.50
549.69
2885.73
5509.70
418.07
5091.63
2011-12
(12686.89)
(12686.89)
(12686.89)
26499.28
17709.42
1286.34
7503.52
13812.39
975.20
12837.19
2012-13
MAX BUPA
(4748.49)
(4748.49)
(4748.49)
6140.63
4602.35
219.68
1318.60
1392.15
84.18
1307.97
2012-13
RELIGARE
HEALTH
2011-12
(16100.84)
(16100.84)
(16100.84)
98166.39
20278.46
464.71
77423.22
82065.55
1257.24
(42.47)
(12951.27)
(12951.27)
(12951.27)
65536.27
31863.52
1375.42
32297.33
52585.00
1458.23
57.31
(53.40)
51122.86
2012-13
STAR HEALTH
80850.78
(35122.55)
(35122.55)
(35122.55)
154260.55
52614.91
3827.79
97817.85
119138.00
3090.59
22.61
116024.80
2011-12
2012-13
(33227.50)
(33227.50)
(33227.50)
147520.01
73092.52
7110.51
67316.98
114292.52
4668.98
57.31
85.25
109480.98
TOTAL
(` Lakh)
STATEMENT 70
245
2012-13
(11596.24)
(11886.56)
(11596.24)
(11886.56)
(984.90)
(1494.93)
510.03
175.71
1.33
(11886.56)
159.97
(809.19)
125.40
210.48
199.61
32.13
(11596.24)
848.04
763.72
1650.59
107.78
113.32
175.71
(4741.32)
1.40
(4742.72)
2011-12
MAX BUPA
2012-13
125.40
1257.10
179.38
91.44
(25.38)
52.03
(4615.92)
(6170.49)
(6170.49)
2011-12
APOLLO MUNICH
APPROPRIATIONS
(a) Interim dividends paid during the year
(b) Proposed final dividend
(c) Dividend distribution tax
(d) Transfer to any Reserves or Other Accounts
(e) Transfer to General Reserve
Balance of Profit / Loss B/f from last year
OTHER EXPENSES
(a) Expenses other than those related to Insurance Business
(b) Bad debts written off
(c) Others
TOTAL (B)
OPERATING PROFIT/(LOSS)
PARTICULARS
2011-12
2012-13
STAR HEALTH
2011-12
2012-13
TOTAL
(` Lakh)
STATEMENT 71
676.99
387.62
(1.22)
(1.22)
(1.06)
(1.06)
(1.22)
124.18
125.40
(1.06)
517.12
518.18
2697.81
4076.13
179.38
107.78
291.05
413.64
(48.24)
(18.98)
53.36
207.57
(31949.19) (28441.36)
779.08
342.47
342.47
89.38
0.46
(4.33)
(22.86)
(14.65)
0.23
15.24
(3473.33) (15446.71) (12562.60)
1189.88
2012-13
RELIGARE
HEALTH
246
13088
22905
35993
-19771
31734
46101
CURRENT LIABILITIES
Provisions
Sub-Total (B)
TOTAL
16223
6207
10015
1388
32750
46101
20632
25465
2012
54266
31224
-17787
43886
31303
12584
26100
8323
17777
1498
1567
37764
54266
23364
30898
2013
APOLLO MUNICH
Sub-Total (A)
CURRENT ASSETS
Fixed Assets
Loans
Investments
APPLICATION OF FUNDS
TOTAL
Borrowings
Share Capital
SOURCES OF FUNDS
PARTICULARS
38456
27807
-10414
12210
9035
3175
1795
1536
260
2149
18915
38456
3250
35200
2012
19776
14324
5452
3214
2894
320
2285
25989
51116
14
702
50400
2013
51116
39403
-16562
MAX BUPA
17500
4617
-2028
9625
2241
7384
7597
775
6822
2382
12529
17500
17500
2013
RELIGARE
HEALTH
44183
15012
4220
37665
23809
13857
41885
37089
4796
6458
18493
44183
16305
27877
2012
54902
27573
-6051
47587
34123
13464
41536
23352
18184
5308
28072
54902
22208
32695
2013
STAR HEALTH
128740
74553
-25965
85868
55749
30119
59903
44832
15071
9995
70157
128740
10
36938
3250
88542
2012
TOTAL
177784
102817
-42428
120875
81991
38884
78447
35344
43103
1498
11543
104354
177784
18
45572
702
131493
2013
(` Lakh)
STATEMENT 72
2011-12
2012-13
76625.25
79604.31
145.56
369.64
Others
500.02
569.11
18948.63
21519.17
TOTAL (A)
96219.46
102062.23
67961.21
81280.35
Commission
(5792.02)
(5504.44)
12669.46
13824.89
4686.09
(4686.09)
TOTAL (B)
79524.74
84914.71
16694.73
17147.52
16694.73
17147.52
16694.73
17147.52
APPROPRIATIONS
Transfer to Shareholders' Account
Transfer to Catastrophe Reserve
Transfer to Other Reserves
TOTAL (C )
Note : Figures in brackets indicate negative values
247
2011-12
2012-13
16694.73
16694.73
17147.52
17147.52
16141.43
124.00
17606.59
302.43
OTHER INCOME
TOTAL (A)
131.08
33091.23
689.20
35745.75
318.84
318.84
731.50
731.50
32772.39
10188.36
63.04
22520.99
35014.25
10963.76
(228.31)
24278.80
2700.00
438.01
2700.00
438.01
6000.00
1019.70
OPERATING PROFIT/(LOSS)
(a) Fire Insurance
(b) Marine Insurance
(c) Miscellaneous Insurance
16245.00
1.03
1.01
248
17260.10
1.01
2012
2013
90000.00
100000.00
124515.88
141774.98
2258.75
1924.61
216774.63
243699.59
334043.21
393794.48
14704.61
15264.15
95244.68
112277.98
50485.39
62252.82
Sub-Total (A)
145730.07
174530.80
CURRENT LIABILITIES
228781.47
286249.70
50958.23
54312.83
279739.70
340562.53
(134010)
(166032)
2036.44
672.68
216774.63
243699.59
SOURCES OF FUNDS
Share Capital
Reserves & Surplus
Fair Value Change Account
Borrowings
Deferred Tax Liability
TOTAL
APPLICATION OF FUNDS
Investments
Loans
Fixed Assets
CURRENT ASSETS
Provisions
Sub-Total (B)
Net Current Assets (C)= (A-B)
Deferred Tax Assets
Misc. Expenditure (to the extent not written off or adjusted)
Profit & Loss Account (Debit Balance)
TOTAL
Note : Figures in brackets indicate negative values
249
2011-12
2012-13
132021.36
147624.41
0.36
Others
Interest, Dividend & Rent Gross
15016.27
16484.29
TOTAL (A)
147037.99
164108.70
102101.67
144460.88
Commission
(23660.33)
(22254.25)
3637.27
4643.71
129.40
132.61
TOTAL (B)
82208.01
126982.95
64829.98
37125.75
64829.98
37125.75
64829.98
37125.75
APPROPRIATIONS
Transfer to Shareholders' Account
Transfer to Catastrophe Reserve
Transfer to Other Reserves
TOTAL (C)
Note : Figures in brackets indicate negative values
250
2011-12
2012-13
64829.98
64829.98
37125.75
37125.75
9377.01
0.22
14386.68
459.64
74666.85
55.92
51568.35
124.30
219.02
88.09
122.34
212.39
74454.46
24241.59
50212.87
341.36
51226.99
16405.80
34821.19
2500.00
405.56
47307.31
251
34821.19
2012
2013
20000.00
20000.00
139590.14
174411.33
(379.35)
(734.14)
Borrowings
451.24
TOTAL
159210.79
194128.43
200354.84
241363.11
119.19
192.15
1976.78
4907.71
APPLICATION OF FUNDS
Investments
Loans
Fixed Assets
Deferred Tax Assets
310.29
CURRENT ASSETS
Cash & Bank Balance
122651.40
164690.20
54443.94
95974.17
Sub-Total (A)
177095.34
260664.37
CURRENT LIABILITIES
143720.45
230719.82
76925.20
82279.09
Sub-Total (B)
220645.65
312998.91
(43550.31)
(52334.54)
159210.79
194128.43
Provisions
252
523039.61
253
(240553.70)
(240553.70)
(240553.70)
598392.34
3590.51
TOTAL (C)
APPROPRIATIONS
Operating Profit/(Loss)
C = (A - B)
TOTAL (B)
Premium Deficiency
71762.22
357838.64
TOTAL (A)
Commission
34808.54
22.18
7244.55
315763.37
Fire
Others
PARTICULARS
(47007.05)
(47007.05)
(47007.05)
152514.89
772.68
25311.11
126431.10
105507.84
12786.70
242.18
2661.24
89817.72
Marine
(70144.48)
(70144.48)
(70144.48)
877097.46
14146.74
6189.85
109345.01
747415.86
806952.98
69701.40
824.14
14506.64
721920.80
Misc.
2011-12
2294.42
2294.42
2294.42
2034.84
35.77
244.84
1754.23
4329.26
233.28
(23.63)
48.55
4071.06
Life
Fire
50364.51
3030.51
26913.04
3690.49
81946.61
(355410.81)
(355410.81)
(355410.81)
38162.33
38162.33
38162.33
1630039.53 386272.90
14146.74
10588.81
206663.18
1398640.80 300635.80
1274628.72 424435.23
117529.92
1064.87
24460.98
1131572.95 344127.17
Total
59580.38
59580.38
59580.38
85072.27
782.14
23559.17
60730.96
144652.65
15882.09
1565.37
8486.84
118718.35
Marine
85501.57
85501.57
85501.57
905831.42
(14146.74)
6998.95
184906.53
728072.68
991332.99
77478.85
8030.46
41402.00
864421.68
Misc.
2012-13
Total
143934.51
12640.05
76913.60
(14146.74)
11531.99
290575.02
228.52
228.52
228.52
183472.80
183472.80
183472.80
5017.42 1382194.01
60.41
162.71
4794.30 1094233.74
5245.94 1565666.81
209.06
13.71
111.72
4911.45 1332178.65
Life
(` Lakh)
STATEMENT 79
2011-12
2012-13
(240553.70)
(47007.05)
(70144.48)
2294.42
(355410.81)
38162.33
59580.37
85501.57
228.52
183472.79
69373.70
14438.44
44924.59
24006.13
41404.16
(230194.51)
5894.05
258297.56
1614.86
15069.90
2020.50
322.81
956.80
1885.07
167.48
99.15
0.03
16816.55
18872.77
20080.38
(249067.28)
(2192.29)
(246874.99)
5.99
(246869.00)
238217.18
3755.01
234462.17
(246789.28)
(12327.11)
(79.72)
46870.00
7965.56
23446.22
(246789.28)
254
(90608.89)
2013
43000.00
43000.00
726050.78
923159.93
1707278.74
1757604.09
2476329.52
2723764.02
3694608.64
3997610.02
49919.30
46291.09
4940.18
5476.56
505.00
703.55
691437.42
823427.88
931681.02
1120479.51
Sub-Total (A)
1623118.44
1943907.39
CURRENT LIABILITIES
2134472.78
2421539.61
762289.26
848684.98
2896762.04
3270224.59
(1273643.60)
(1326317.20)
2476329.52
2723764.02
SOURCES OF FUNDS
Share Capital
Reserves & Surplus
Fair Value Change Account
Borrowings
Deferred Tax Liability
TOTAL
APPLICATION OF FUNDS
Investments
Loans
Fixed Assets
Deferred Tax Assets
CURRENT ASSETS
Provisions
Sub-Total (B)
255
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Island
Chandigarh
Dadra & Nagra Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
TOTAL
BAJAJ
ALLIANZ
4
0
1
0
1
1
4
2
0
1
1
5
2
2
12
0
0
0
0
1
3
2
0
4
0
5
1
3
0
1
0
0
2
0
0
58
5
0
2
2
3
2
8
3
0
0
2
5
6
4
17
0
0
0
0
2
3
3
1
20
1
6
1
3
0
0
0
0
1
0
1
101
FUTURE
GENERALI
6
0
1
1
1
1
5
3
0
1
2
4
8
3
13
0
0
0
0
2
4
5
0
6
0
7
1
2
0
1
0
0
3
0
1
81
HDFC ERGO
25
0
3
4
5
1
22
10
2
2
4
19
14
11
32
0
1
0
0
13
16
12
1
21
1
27
6
14
0
1
0
0
7
0
1
275
ICICI
LOMBARD
3
0
0
1
1
1
9
3
0
1
0
5
1
3
16
0
0
0
0
1
2
3
0
6
0
3
1
3
0
1
0
0
10
0
0
74
IFFCO
TOKIO
1
0
0
0
1
0
1
0
0
0
0
1
0
0
6
0
0
0
0
1
0
1
0
2
0
1
0
1
0
0
0
0
1
0
0
17
1
0
0
0
0
0
1
0
0
0
0
1
0
0
2
0
0
0
0
0
0
0
0
1
0
0
0
0
0
0
0
0
1
0
0
7
L&T
LIBERTY
GENERAL VIDEOCON
3
0
0
1
2
0
3
3
0
0
2
1
1
3
5
0
0
0
0
3
2
2
0
2
0
2
1
6
0
1
0
0
3
0
0
46
MAGMA
HDI
STATEMENT 82
256
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Island
Chandigarh
Dadra & Nagra Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
TOTAL
RAHEJA
QBE
12
0
1
1
2
1
13
4
2
1
4
12
12
5
19
0
0
0
0
2
5
6
0
11
0
8
1
9
0
2
0
0
5
0
1
139
RELIANCE
12
1
1
1
1
1
12
1
0
0
2
13
8
3
10
0
0
0
0
3
1
1
0
23
1
4
0
5
0
1
0
0
2
0
1
108
ROYAL
SUNDARAM
4
0
1
1
1
1
2
0
0
0
2
2
2
4
4
0
0
0
0
2
1
3
0
2
0
1
1
2
0
1
0
0
1
0
0
38
SBI
GENERAL
10
0
0
0
0
1
4
1
1
1
1
1
3
3
10
0
0
0
0
0
3
14
0
9
0
17
2
2
0
1
0
0
5
0
0
89
SHRIRAM
4
0
1
1
1
1
7
1
0
0
2
4
3
2
16
0
0
0
0
1
2
2
0
6
0
4
1
2
0
1
0
0
4
0
1
67
TATA AIG
5
0
1
1
1
0
5
4
0
1
2
7
1
4
13
0
0
0
0
3
3
5
0
7
0
12
2
6
0
1
0
0
2
0
0
86
UNIVERSAL
SOMPO
114
2
42
47
12
10
74
54
24
21
29
73
68
56
141
1
3
1
3
56
103
80
1
114
12
130
14
109
0
10
1
0
66
0
6
1477
NATIONAL
124
1
37
24
25
8
104
39
18
15
24
74
100
73
209
1
4
1
2
53
81
73
2
178
4
155
25
70
1
11
1
1
49
1
6
1594
NEW INDIA
Contd... STATEMENT 82
257
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chhattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Island
Chandigarh
Dadra & Nagra Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
TOTAL
ORIENTAL
155
1
48
33
14
9
89
51
12
15
18
106
102
55
154
1
5
1
1
40
87
111
1
224
6
110
21
53
1
9
1
0
54
0
5
1593
UNITED
INDIA
3
0
0
0
0
0
4
2
0
0
0
3
2
2
11
0
0
0
0
1
2
2
0
5
0
4
0
2
0
1
0
0
6
0
0
50
APOLLO
MUNICH
1
0
0
1
0
0
1
0
0
0
0
3
1
0
3
0
0
0
0
0
1
1
0
1
0
1
0
1
0
1
0
0
5
0
0
21
MAX BUPA
3
0
0
0
0
0
4
0
0
0
0
4
1
1
5
0
0
0
0
1
2
1
0
3
0
3
0
1
0
1
0
0
2
0
0
32
RELIGARE
HEALTH
17
0
2
1
3
0
12
9
1
1
4
22
29
15
25
0
0
0
0
4
8
9
0
52
0
15
4
13
0
3
0
0
8
0
1
258
STAR
HEALTH
1
0
1
1
1
0
2
0
0
0
1
2
1
1
2
0
0
0
0
1
0
1
0
2
0
1
1
1
0
1
0
0
1
0
0
22
AIC
4
0
1
0
0
0
4
3
0
1
0
4
1
1
11
0
0
0
0
1
2
2
0
11
0
5
0
3
0
1
0
0
5
0
0
60
ECGC
674
9
191
172
111
49
513
257
80
85
135
500
457
317
908
7
17
5
9
248
431
423
8
858
35
700
107
387
3
60
3
3
309
1
27
8099
TOTAL
Contd... STATEMENT 82
258
259
23
16
27
38
18
2
26
21
12
22
24
30
14
50
35
9
7
8
11
30
20
33
4
32
4
71
13
19
3
1
1
2
9
1
4
640
No. of
Districts
PSU
23
5
26
34
15
2
26
21
11
17
19
30
14
46
35
4
5
2
4
29
20
33
2
32
4
68
10
19
1
1
1
2
9
0
3
573
Private
21
1
5
5
7
2
21
12
4
2
4
17
12
14
23
0
1
0
0
12
13
17
1
25
1
31
5
13
1
1
0
0
8
0
1
280
23
5
26
34
15
2
26
21
11
17
19
30
14
46
35
4
5
2
4
29
20
33
2
32
4
68
10
19
1
1
1
2
9
0
3
573
Either Public or
Private
Andhra Pradesh
Arunachal Pradesh
Assam
Bihar
Chattisgarh
Goa
Gujarat
Haryana
Himachal Pradesh
Jammu & Kashmir
Jharkhand
Karnataka
Kerala
Madhya Pradesh
Maharashtra
Manipur
Meghalaya
Mizoram
Nagaland
Orissa
Punjab
Rajasthan
Sikkim
Tamil Nadu
Tripura
Uttar Pradesh
Uttarakhand
West Bengal
Andaman & Nicobar Island
Chandigarh
Dadra & Nagar Haveli
Daman & Diu
Delhi
Lakshadweep
Puducherry
Total
State
PSU
0
11
1
4
3
0
0
0
1
5
5
0
0
4
0
5
2
6
7
1
0
0
2
0
0
3
3
0
2
0
0
0
0
1
1
67
Private
2
15
22
33
11
0
5
9
8
20
20
13
2
36
12
9
6
8
11
18
7
16
3
7
3
40
8
6
2
0
1
2
1
1
3
360
None
0
11
1
4
3
0
0
0
1
5
5
0
0
4
0
5
2
6
7
1
0
0
2
0
0
3
3
0
2
0
0
0
0
1
1
67
STATEMENT 83
260
TOTAL
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
313376
78959
13
42
2
532
3663
421
0
4341
11
408
829
0
0
5838
4858
NR
34215
5195
12086
0
2111
75
1126
3
19
1
0
367
123
NR
2680
(B)
(A)
2338
1728
30
11861
23220
1020
0
13950
155
4770
5821
33
0
3293
5449
NR
50650
4749
47855
5528
54493
7266
2556
5
1187
2
0
21296
9614
NR
34507
Claims
re-opened
during the
year
Claims outstanding at
the beginning of the
year
4370606
44916
17908
21226
137241
310863
48496
0
197254
2170
62777
75098
120
0
65065
110717
NR
871417
80676
612783
56228
804338
47054
182138
1227
9420
286
128
282492
106905
NR
221663
(C )
Claims
received
during the
year
3477415
29341
15450
18967
83159
242310
28887
0
129526
168
47750
36309
3
0
51802
87155
NR
698942
56242
507930
22061
717542
26326
155375
1053
5631
250
36
232428
88926
NR
193846
<1
Month
377912
9465
0
0
32484
13169
14271
0
31221
802
5818
20413
70
0
9442
14705
NR
20378
13378
61390
16168
47277
11306
4489
64
1791
0
29
24315
11486
NR
13981
(D)
>1 to < 3
Months
56113
78
0
0
6312
6058
1661
0
4789
399
455
3170
42
0
336
1054
NR
2492
1124
7501
6561
1522
4308
71
4
895
0
0
4069
1565
NR
1647
>3 < 6
Months
12270
0
6
0
0
1843
343
0
1133
2
179
529
0
0
0
566
NR
0
599
490
1180
438
2115
0
0
2
0
0
1522
596
NR
727
>6
Months
515600
7102
1405
0
17477
43264
3168
0
32269
544
10748
12618
31
0
9507
12500
NR
144373
14203
50252
11235
58906
6168
17118
103
933
28
5
24902
5387
NR
31354
(E)
323631
1281
2817
2291
10202
31102
1607
0
16607
421
3005
8709
7
0
3109
5044
NR
90097
5074
45161
4551
35257
4172
8767
11
1374
11
58
16919
8682
NR
17295
(F)=(A+B+C-D-E)
Claims
Claims
rejected/ Outstanding at the
closed
end of the year
during
the year
STATEMENT 84
2012-13
Opening
Balance
AEGON RELIGARE
Reported Resolved
%
Pending Less than Between More than
during
during
Resolved at the end 15 days 15 and 30 30 days
the year
the year
during
of the
days
the year
year
666
7341
7982
99.69
25
12
53
8948
9001
100.00
37092
37090
99.99
25
7402
7374
99.29
53
14
33
279
30430
30577
99.57
132
57
14
61
CANARA HSBC
5281
5281
99.96
DLF PRAMERICA
1031
1000
96.81
33
12
18
EDELWEISS TOKIO
60
59
98.33
FUTURE GENERALI
27
7580
7550
99.25
57
22
26
HDFC STANDARD
13
50947
50814
99.71
146
53
27
66
ICICI PRUDENTIAL
19759
19746
99.93
13
IDBI FEDERAL
823
822
99.64
INDIA FIRST
1199
1191
99.33
ING LIFE
8744
8732
99.85
13
KOTAK MAHINDRA
8725
8719
99.86
12
MAX LIFE
15899
15895
99.96
PNB METLIFE
3832
3825
99.82
RELIANCE
21843
21714
99.39
134
124
SAHARA
29
28
96.55
SBI LIFE
18681
18678
99.94
11
SHRIRAM
228
235
100.00
432
429
99.08
16
11672
11673
99.87
15
13
165
73034
72655
99.26
544
50
40
454
1282
341012
341070
99.64
1224
393
144
687
AVIVA
BAJAJ ALLIANZ
BHARTI AXA
BIRLA SUN LIFE
TATA AIA
LIC
TOTAL
261
2012-13
10245
10244
99.98
Pending
at the
end of
the year
2
More
than 30
days
BHARATI AXA
4972
4972
100.00
CHOLAMANDALAM
3750
3748
99.87
FUTURE GENERALI
3231
3231
100.00
HDFC ERGO
712
711
99.86
ICICI LOMBARD
14001
13980
99.82
25
17
IFFCO TOKIO
3139
3135
99.87
L&T GENERAL
70
69
98.57
MAGMA HDI
100.00
RAHEJA QBE
100.00
33
7629
7602
99.22
60
19
10
31
3383
3379
99.88
RELIANCE
ROYAL SUNDARAM
SBI GENERAL
367
359
97.29
10
SHRIRAM
256
255
99.22
TATA AIG
5458
5458
99.98
UNIVERSAL SOMPO
442
441
99.77
47
60311
60230
99.79
128
55
24
49
NATIONAL
634
3712
3976
91.49
370
68
62
240
NEW INDIA
60
3022
2980
96.69
102
45
22
35
PRIVATE TOTAL
ORIENTAL
468
4663
4850
94.52
281
61
33
187
UNITED INDIA
323
7108
7089
95.40
342
66
40
236
PUBLIC TOTAL
1548
18616
19057
94.51
1107
248
159
700
APOLLO MUNICH
1183
1181
99.83
MAX BUPA
857
851
99.18
STAR HEALTH
596
595
99.66
RELIGARE HEALTH
17
16
94.12
63
111
162
93.10
12
1595
78927
79287
98.47
1235
303
183
749
STANDALONE HEALTH
INSURERS
SPECIALISED INSURERS
ECGC
AIC
GRAND TOTAL
262
263
224
137
136
81
Kochi
Kolkata
Lucknow
Mumbai
Notes:
O/S : Outstanding
(I) Recommendations / Awards
(III) Dismissal
2846
62
Hyderabad
Total
19
496
13
1341
55
231
51
2333
1684
2011
837
1172
268
3095
1100
4522
383
411
741
Total
63
220
81
80
36
86
310
18
319
29
17
(I)
2108
1161
1171
267
915
87
1765
1008
2099
186
617
(IV)
2184
1502
1602
461
1093
196
2395
1047
3162
294
33
704
Total
2116
1364
1224
273
1086
116
1779
1047
2101
200
10
616
94
13
88
1763
68
138
378
105
80
591
201
10
2184
1502
1602
461
1093
196
2395
1047
3162
294
33
704
Total
978 14673
83
25
860
Duration-wise Disposal
120
185
55
47
286
19
90
42
54
(III)
1119
11
165
59
95
14
34
654
37
31
16
(II)
2252
1548
1874
613
1110
249
2599
1087
3181
328
180
690
O/S as on Received
31st March, during
2012
2012-13
Guwahati
Delhi
Chennai
Chandigarh
Bubaneshwar
Bhopal
Ahmedabad
Name of the
Centre
1292
66
150
199
91
36
41
245
20
321
38
68
17
20
1737
83
32
210
235
43
31
224
33
626
51
149
855
50
231
413
161
3884
149
182
409
376
79
72
700
53
1360
89
378
37
Total
Duration-wise Outstanding
STATEMENT 87
264
4330
Total
Notes:
O/S : Outstanding
(I) Recommendations / Awards
(III) Dismissal
1557
202
Kolkata
Mumbai
282
Kochi
78
Hyderabad
Lucknow
69
483
Guwahati
Delhi
42
729
Chandigarh
Chennai
78
153
Bhopal
Bubaneshwar
655
3967
370
1040
687
691
218
1816
960
1311
250
223
1868
Total
424
67
123
124
86
107
273
45
153
49
50
(I)
1109
10
126
38
69
204
39
36
41
544
(III)
4910
1056
147
520
119
307
55
859
720
295
83
21
728
(IV)
1164
515
139
50
63
58
28
21
191
19
71
(II)
5344
952
353
530
126
520
69
865
798
304
82
18
727
2700
997
289
111
90
440
27
30
93
20
603
63
640
56
107
12
59
341
8684
2005
353
819
344
520
171
1364
825
675
175
40
1393
Total
Duration-wise Disposal
8684
2005
353
819
344
520
171
1364
825
675
175
40
1393
Total
2410
368
838
405
613
149
1333
918
582
172
70
1213
O/S as on Received
31st March, during
2012
2012-13
Ahmedabad
Name of the
Centre
1019
361
17
92
56
81
23
115
39
83
21
14
117
2231
944
129
211
90
24
109
96
187
54
29
358
1467
657
76
228
366
140
4717
1962
17
221
343
171
47
452
135
636
75
183
475
Total
Duration-wise Outstanding
STATEMENT 88
133
2070
Bubaneshwar
Chandigarh
265
140
506
339
138
1638
7176
Hyderabad
Kochi
Kolkata
Lucknow
Mumbai
Total
Notes:
O/S : Outstanding
(I) Recommendations / Awards
(III) Dismissal
88
979
Guwahati
Delhi
55
384
Bhopal
Chennai
706
6300
2054
3051
1524
1863
486
4911
2060
5833
633
634
2609
Total
487
287
204
204
122
193
583
63
472
78
67
(I)
2283
526
140
215
122
153
21
62
23
845
39
50
87
(II)
3164
1308
1691
386
1222
142
2624
1728
2394
269
23
1345
(IV)
4189
1855
2421
805
1613
367
3759
1872
3837
469
73
2097
Total
3068
1717
1754
399
1606
185
2644
1845
2405
282
28
1343
4463
1065
138
667
216
170
1031
27
231
187
33
691
12
63
4189
1855
2421
805
1613
367
3759
1872
3837
469
73
2097
Total
1618 23357
56
190
12
84
1201
Duration-wise Disposal
12
120
311
93
116
11
490
58
126
83
598
(III)
Number of Complaints
disposed by way of
4662
1916
2712
1018
1723
398
3932
2005
3763
500
250
1903
O/S as on Received
31st March, during
2012
2012-13
Ahmedabad
Name of the
Centre
2311
427
167
291
147
117
64
360
59
404
59
82
134
3968
1027
32
339
446
133
55
333
129
813
105
178
378
2322
657
126
459
779
301
8601
2111
199
630
719
250
119
1152
188
1996
164
561
512
Total
Duration-wise Outstanding
STATEMENT 89
ANNEX
ANNEX 1
INSURANCE COMPANIES OPERATING IN INDIA
LIFE INSURERS*
Public Sector
1
Private Sector
1
10
11
12
13
14
15
16
17
18
19
20
21
22
23
269
ContdANNEX 1
NON-LIFE INSURERS*
Public Sector
Private Sector
Specialised Insurers
10
11
12
13
14
15
16
17
19
20
21
RE INSURER*
General Insurance Corporation of India
* As on 30th September, 2013.
270
ANNEX 2
FEE STRUCTURE FOR INSURERS AND VARIOUS INTERMEDIARIES (2012-13)*
Sl. Insurer/ Intermediary
No.
1
Brokers-Direct
Processing Fee
Registration Fee
Renewal Fee
Periodicity
of Renewal
`30,000 `30,000
3 years
3 years
Brokers- Reinsurance
3 years
Brokers- Composite
3 years
`20,000
`10,000
Associateship
` 7,500
Licentiate
` 5,000
5 Years
5 Years
Corporate-Category
Fellowship
`25,000
Associateship
`20,000
Licentiate
`15,000
Corporate Agents
Web Aggregators
Common Service
Centre Special Purpose
Vehicles (CSC-SPV)
Referrals
Amalgamation and
transfer of insurance
business
`10,000
`5,000
`5,000
`250
3 Years
`10,000
3 Years
`1,000
3 Years
`10,000
271
3 Years
-
ANNEX 3 (i)
INDIAN ASSURED LIVES MORTALITY (2006-08) ULTIMATE
Age
Mortality rate
Age
Mortality rate
Age
Mortality rate
Age
Mortality rate
0.004445
29
0.001034
58
0.009944
87
0.108540
0.003897
30
0.001056
59
0.010709
88
0.117866
0.002935
31
0.001084
60
0.011534
89
0.127963
0.002212
32
0.001119
61
0.012431
90
0.138895
0.001670
33
0.001164
62
0.013414
91
0.150727
0.001265
34
0.001218
63
0.014497
92
0.163532
0.000964
35
0.001282
64
0.015691
93
0.177387
0.000744
36
0.001358
65
0.017009
94
0.192374
0.000590
37
0.001447
66
0.018462
95
0.208585
0.000492
38
0.001549
67
0.020061
96
0.226114
10
0.000440
39
0.001667
68
0.021819
97
0.245067
11
0.000428
40
0.001803
69
0.023746
98
0.265555
12
0.000448
41
0.001959
70
0.025855
99
0.287699
13
0.000491
42
0.002140
71
0.028159
100
0.311628
14
0.000549
43
0.002350
72
0.030673
101
0.337482
15
0.000614
44
0.002593
73
0.033412
102
0.365411
16
0.000680
45
0.002874
74
0.036394
103
0.395577
17
0.000743
46
0.003197
75
0.039637
104
0.428153
18
0.000800
47
0.003567
76
0.043162
105
0.463327
19
0.000848
48
0.003983
77
0.046991
106
0.501298
20
0.000888
49
0.004444
78
0.051149
107
0.542284
21
0.000919
50
0.004946
79
0.055662
108
0.586516
22
0.000943
51
0.005483
80
0.060558
109
0.634244
23
0.000961
52
0.006051
81
0.065870
110
0.685737
24
0.000974
53
0.006643
82
0.071630
111
0.741283
25
0.000984
54
0.007256
83
0.077876
112
0.801191
26
0.000994
55
0.007888
84
0.084645
113
0.865795
27
0.001004
56
0.008543
85
0.091982
114
0.935453
28
0.001017
57
0.009225
86
0.099930
115
0.985796
272
ANNEX 3 (ii)
MORTALITY RATES OF ANNUITANTS: LIC (A) (1996-98) ULTIMATE
Age
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
Mortality Rate
0.000919
0.000961
0.000999
0.001033
0.001063
0.001090
0.001113
0.001132
0.001147
0.001159
0.001166
0.001170
0.001170
0.001171
0.001201
0.001246
0.001308
0.001387
0.001482
0.001593
0.001721
0.001865
0.002053
0.002247
0.002418
0.002602
0.002832
0.003110
0.003438
0.003816
0.004243
0.004719
0.005386
0.006058
0.006730
0.007401
0.008069
0.008710
0.009397
0.010130
0.010907
0.011721
0.011750
0.012120
0.012833
Life Expectation
57.45
56.50
55.56
54.61
53.67
52.72
51.78
50.84
49.89
48.95
48.01
47.06
46.12
45.17
44.22
43.28
42.33
41.38
40.44
39.50
38.56
37.63
36.70
35.77
34.85
33.93
33.02
32.11
31.21
30.32
29.43
28.56
27.69
26.84
26.00
25.17
24.35
23.55
22.75
21.96
21.18
20.41
19.64
18.87
18.10
273
Age
Mortality Rate
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
101
102
103
104
105
106
107
108
109
110
0.013889
0.015286
0.017026
0.019109
0.021534
0.024301
0.027410
0.030862
0.034656
0.038793
0.043272
0.048093
0.053257
0.058763
0.064611
0.070802
0.077335
0.084210
0.091428
0.098988
0.106891
0.115136
0.123723
0.132652
0.141924
0.151539
0.161495
0.171794
0.182436
0.193419
0.204746
0.216414
0.228425
0.240778
0.253473
0.266511
0.279892
0.293614
0.307679
0.322087
0.336836
0.351928
0.367363
0.383139
0.399258
0.415720
Life Expectation
17.33
16.56
15.81
15.08
14.36
13.67
12.99
12.35
11.72
11.13
10.56
10.01
9.49
9.00
8.53
8.08
7.66
7.26
6.88
6.52
6.19
5.87
5.56
5.28
5.01
4.76
4.52
4.29
4.07
3.87
3.68
3.50
3.33
3.17
3.01
2.86
2.72
2.59
2.46
2.33
2.19
2.05
1.89
1.70
1.45
1.08
ANNEX 4
LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2012-13
SI. No Name of the Insurer Name of the Product
1
Aegon Religare
Aviva Life
Bajaj Allianz
Bharti AXA
UIN*
138N039V01
138N040V01
138N041V01
138N042V01
138N043V01
138N044V01
138B009V01
138B010V01
138L030V02
122N096V01
122N097V01
122L098V01
Aviva i-Shield
122N099V01
122N100V01
122N101V01
116N113V01
116L114V01
116N115V01
116C027V01
116C028V01
116C029V01
116N059V02
116N061V04
130N052V02
130N053V01
130N054V01
130L049V02
130N047V02
109N075V01
109L076V01
109N077V01
109L078V01
109N079V01
109N080V01
109N081V01
109N082V01
274
Contd ANNEX 4
LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2012-13
SI. No Name of the Insurer Name of the Product
6
DLF Pramerica
UIN*
136N022V01
136N023V01
140N030V01
140N031V01
140N032V01
140B006V01
Edelweiss Tokio
147L010V01
147L011V01
147N012V01
147N013V01
147L014V01
147N015V01
147N015V02
147N016V01
147N017V01
147N018V01
147B014V01
Future Generali
133A022V01
133N019V02
133N041V02
133C001V02
10
HDFC Standard
101L083V01
101N084V01
101L085V01
101L086V01
101N087V01
101N088V01
11
ICICI Prudential
105L129V01
105L130V01
105L131V01
105N114V02
12
IDBI Federal
135N026V01
13
India First
143N019V01
143N020V01
143N021V01
143N016V02
275
Contd ANNEX 4
LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2012-13
SI. No Name of the Insurer Name of the Product
14
15
16
17
18
19
ING Vysya
Kotak Mahindra
LIC of India
Max Life
PNB MetLife
Reliance Life
20
Sahara India
21
SBI Life
UIN*
114N062V02
114N063V01
107N074V01
107L075V01
107N076V01
107N077V01
107N069V02
512N270V01
512N271V01
512L272V01
512N273V01
512N234V04
104N070V01
104L071V01
104N068V02
117L074V01
117N075V01
117N076V01
117N077V01
117N048V02
121N087V01
121N088V01
121N089V01
121L090V01
121N091V01
121N092V01
121N093V01
127N027V01
111N084V01
111N085V01
111N086V01
111N087V01
111N088V01
111N089V01
276
Contd ANNEX 4
LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2012-13
SI. No Name of the Insurer Name of the Product
22
23
24
Shriram Life
TATA AIA
UIN*
128N040V01
128N041V01
Star Union Dai-ichi Life Group Term Insurance in lieu of EDLI Scheme
142N032V01
142N033V01
142N034V01
142N013V02
110L101V01
110N102V01
110L103V01
110N104V01
110N105V01
277
ANNEX 5
LIST OF MICRO INSURANCE PRODUCTS OF LIFE INSURERS*
Insurer
NAME OF PRODUCT
DATE OF LAUNCH
NAME OF PRODUCT
INDIVIDUAL CATEGORY
GROUP CATEGORY
12 June, 2007 Credit Plus
Aviva
Gramin Suraksha
Bajaj Allianz
Birla Sunlife
DLF Pramerica
Edelweiss Tokio
Raksha Kavach
Dhan Nivesh Bima Yojana
th
th
Sahara
Sahara Sahyog
SBI Life
Grameen Bima
Shriram
Shri Sahay - SP
Shri Sahay - AP
Star Union
Tata AIA
LIC
Jeevan Madhur
Jeevan Mangal
Jeevan Deep
ING Vysya
PNB MetLife
th
IDBI Federal
ICICI Prudential
HDFC Standard
DATE OF LAUNCH
* All Micro Insurance products and products falling within the parameters prescribed under the IRDA (Micro Insurance) Regulations,
2005, but launched prior to the said Regulations.
** W.e.f. 01.01.2013 erstwhile JBY & AABY Schemes stand merged and the new scheme is renamed as AABY.
278
ANNEX 6
NON-LIFE INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2012-13
Sl. No.
1
Bajaj Allianz
Cholamandalam MS
ECGC
Future Generali
HDFC Ergo
ICICI Lombard
279
L&T
Liberty Videocon
280
Magma HDI
Burglary Policy
Motor-Act only
Private Car Package
Two Wheeler Package
Commercial Vehicle Package
Standard Fire & Special Peril Policy (Material Damage)
Fire Loss of Profit (FLOP)
Industrial All Risks
Machinery Breakdown
Boiler & Pressure Plant Insurance
Contractors All Risk Policy
Contractors P&M Policy
Electronic Equipment Insurance Policy
Erection All Risks Insurance Policy
Public Liability-Industrial
Public Liability- Non-Industrial
Marine Cargo Open Policy
Marine Cargo Specific Policy
Motor Trade Package Policy
Motor Trade Internal Risk Policy
Clinical Trial
Public Liability Act Insurance Policy (PLI-Act)
Machinery Loss of Profit (MBLOP) Policy
10
Oriental
281
Raheja QBE
12
Reliance
13
Royal Sundaram
14
SBI General
15
Shriram
282
Tata AIG
17
Cattle Insurance
Foetus (Unborn Calf) Insurance
Horse / Pony / Mule / Donkey Insurance
Pig Insurance scheme
Camel Insurance
Duck Insurance Scheme
Silkworm Insurance scheme
Honey Bee Insurance
Agricultural Pumpset Insurance
Animal Driven Cart Insurance
Lift Irrigation Insurance
Janata Personal Accident Insurance
Gramin Personal Accident Insurance
Horticulture / Plantation (Inputs) Insurance Scheme
Comprehensive Floriculture Insurance
Protection & Indemnity insurance
P&I Policy (extension for 1 more year)
Unicare Credit Raksha Policy
Employees Compensation Insurance (WC Revision)
18
Universal Sompo
283
ANNEX 7
HEALTH INSURANCE PRODUCTS CLEARED DURING THE FINANCIAL YEAR 2012-13
Sl. No.
Apollo Munich
Bajaj Allianz
Bharti AXA
Cholamandalam MS
Future Generali
Future Hospicash
Health Suraksha - Revision
Future Health Raksha
Tax Optimiser
Janata Personal Accident Policy
HDFC Ergo
ICICI Lombard
IFFCO Tokio
L&T
10
Liberty Videocon
11
Magma HDI
12
Max Bupa
Health Assurance
13
Raheja QBE
284
14
Reliance
15
Religare Health
16
Royal Sundaram
17
SBI General
18
Star Health
19
Tata AIG
20
Oriental
21
United India
22
Universal Sompo
285
ANNEX 8
OBLIGATORY CESSIONS RECEIVED BY GIC
Class
Reinsurance Commission
Marine Hull
Motor
No Limit*
Workmens Compensation
No Limit*
No Limit*
No Limit*
Other miscellaneous
No Limit*
5 per cent
15 per cent
Aviation (Airlines)
Profit
Commission
To be
decided
mutually
between
GIC and
b) Minimum 10 per cent for
Insurance
group health;
Company
c) Minimum 5% for Motor TP
and;
d) Anything over and above
this can be as mutually
agreed between GIC and
the Insurance Company
Note: * in respect of classes with No Limit on cessions, the Indian Reinsurer may require the ceding insurer to give immediate notice
with underwriting information of any cession to it exceeding an amount per risk specified by it. Cessions in excess of such limits will be
binding subject to the notice and information been given.
MD: Material Damage; LOP: Loss of Profit; IAR: Industrial All Risks; SI: Sum Insured; SRCC: Strike, Riot and Civil Commotion;
DSU : Delay in Start-up Insurance.
286
ANNEX 9
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2012 TO MARCH 2013
Sl. Reference Number
No.
Date of Issue
Subject
IRDA/F&I/CIR/EMT/085/04/2012
IRDA/LIFE/ORD/MISC/086/04/2012
Final Order in the Matter of M/s Birla Sun Life Insurance Company
Limited
IRDA/ADMN/ORD/
PER/089/04/2012
IRDA/NL/ORD/MISC/096/04/2012
IRDA/NL/CIR/MISC/095/04/2012
IRDA/AGTS/ORD/
CAN/094/04/2012
IRDA/NL/CIR/MPL/097/04/2012
IRDA/LIFE/ORD/MISC/098/05/2012
May 3, 2012
Final Order in the matter of M/s Shriram Life Insurance Company Ltd.
IRDA/F&I/CIR/AML/233/10/2012
10 IRDA/ADMN/ORD/
PER/113/05/2012
11 IRDA/BRK/ORD/LC/115/05/2012
12 IRDA/NL/CIR/MISC/116/05/2012
13 IRDA/LIFE/PNTC/
MISC/118/05/2012
14 IRDA/F&I/CIR/DATA/119/05/2012
15 IRDA/LIFE/ORD/MISC/123/05/2012
16 IRDA/ADMN/ORD/
PER/125/06/2012
June 4, 2012
17 IRDA/SUR/MISC/CIR/126/06/2012
June 6, 2012
18 IRDA/ADMN/ORD/
MISC/128/06/2012
June 7, 2012
19 IRDA/NL/CIR/MISC/129/06/2012
June 7, 2012
20 IRDA/ADMN/ORD/
MISC/133/06/2012
21 IRDA/ACT/GDL/PRD/135/06/2012
22 IRDA/LIFE/GDL/AGN/134/06/2012
23 IRDA/ADMN/ORD/
PER/137/06/2012
287
Contd... ANNEX 9
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2012 TO MARCH 2013
Sl. Reference Number
No.
Date of Issue
Subject
24 IRDA/LIFE/ORD/MISC/146/06/2012
25 IRDA/ADMN/ORD/
PER/145/06/2012
26 IRDA/NL/ORD/MISC/142/06/2012
27 IRDA/LIFE/CIR/MISC/154/07/2012
28 IRDA/F&A/ORD/SOLP/156/07/2012
29 IRDA/NL/ORD/MISC/161/07/2012
30 IRDA/LIFE/ORD/MISC/160/07/2012
31 IRDA/LIFE/ORD/MISC/159/07/2012
32 IRDA/F&I/NTFN/CIR/158/07/2012
33 IRDA/LIFE/WRN/F&U/172/07/2012
34 IRDA/ADMN/ORD/
PER/173/08/2012
August 1, 2012
35 IRDA/F&I/ORD/EMT/176/08/2012
August 1, 2012
36 IRDA/F&I/MISC/CIR/175/08/2012
August 1, 2012
37 IRDA/ADMN/ORD/
MISC/188/08/2012
August 7, 2012
Designating CPIOs
38 IRDA/NL/ORD/MISC/189/08/2012
August 8, 2012
39 IRDA/NL/ORD/MISC/190/08/2012
August 8, 2012
40 IRDA/LIFE/ORD/MISC/195/08/2012
41 IRDA/NL/ORD/RIN/202/08/2012
42 IRDA/HLT/MISC/CIR/205/08/2012
43 IRDA/SUR/ORD/LC/206/08/2012
44 IRDA/ADMN/ORD/
MISC/208/09/2012
September 3, 2012
45 IRDA/LIFE/ORD/MISC/209/09/2012
September 7, 2012
Final order in the matter of M/s Kotak Mahindra Old Mutual Life
Insurance Co. Ltd.
46 IRDA/LIFE/ORD/MISC/215/09/2012 September 18, 2012 Final Order in the matter of M/s SBI Life Insurance Co. Ltd.
288
Contd... ANNEX 9
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2012 TO MARCH 2013
Sl. Reference Number
No.
Date of Issue
Subject
47 IRDA/SUR/MISC/CIR/225/10/2012
October 3, 2012
48 IRDA/F&I/CIR/AML/224/10/2012
October 3, 2012
49 IRDA/LIFE/CIR/MISC/229/10/2012
October 5, 2012
50 IRDA/F&I/CIR/F&A/231/10/2012
October 5, 2012
51 IRDA/F&I/ORD/EHP/232/10/2012
October 5, 2012
52 IRDA/LIFE/ORD/MISC/230/10/2012
October 5, 2012
53 IRDA/LIFE/ORD/MISC/228/10/2012
October 5, 2012
54 IRDA/BRK/MISC/ORD/234/10/2012
October 8, 2012
55 IRDA/SUR/MISC/CIR/237/10/2012
56 IRDA/BRK/MISC/CIR/243/11/2012
November 8, 2012
57 IRDA/SUR/MISC/CIR/244/11/2012
58 IRDA/CAD/GDL/CPR/245/11/2012
59 IRDA/F&I/CIR/INV/247/11/2012
60 IRDA/F&I/CIR/INV/250/12/2012
December 4, 2012
61 IRDA/BRK/MISC/ORD/255/12/2012
62 IRDA/BRK/MISC/ORD/256/12/2012
63 IRDA/BRK/MISC/ORD/257/12/2012
64 IRDA/BRK/MISC/ORD/259/12/2012
65 IRDA/F&I/CIR/CG/260/12/2012
66 IRDA/SDD/MISC/CIR/261/12/2012
AML/CFT guidelines
67 IRDA/HLT/MISC/CIR/263/12/2012
68 IRDA/NL/CIR/RIN/264/12/2012
289
Contd... ANNEX 9
CIRCULARS/ORDERS/NOTIFICATIONS ISSUED BY THE AUTHORITY
FROM APRIL 2012 TO MARCH 2013
Sl. Reference Number
No.
Date of Issue
Subject
69 IRDA/BRK/ORD/LC/001/01/2013
January 2, 2013
70 IRDA/BRK/MISC/ORD/004/01/2013
January 7, 2013
71 IRDA/BRK/MISC/ORD/005/01/2013
January 7, 2013
72 IRDA/NL/CIR/RIN/008/01/2013
73 IRDA/SDD/MISC/CIR/009/01/2013
74 IRDA/NL/ORD/CMT/011/01/2013
75 IRDA/SUR/MISC/CIR/010/01/2013
76 IRDA/SDD/GDL/CIR/019/02/2013
February 4, 2013
77 IRDA/SDD/GDL/CIR/020/02/2013
February 4, 2013
78 IRDA/ACT/CIR/PRD/023/02/2013
79 IRDA/LIFE/ORD/MISC/030/02/2013
80 IRDA/CAGTS/ORD/
PNL/031/02/2013
81 IRDA/HLT/GDL/CIR/036/02/2013
82 IRDA/ACT/CIR/MISC/033/02/2013
83 IRDA/F&A/ORD/EMT/042/03/2013
March 4, 2013
84 IRDA/BRK/ORD/LC/045/03/2013
March 6, 2013
85 IRDA/LIFE/CIR/MISC/049/03/2013
March 8, 2013
Submission of Returns
86 IRDA/F&I/CIR/INV/054/03/2013
87 IRDA/ADMN/ORD/
MISC/055/03/2013
Designating CPIO s
88 IRDA/BRK/MISC/ORD/058/03/2013
89 IRDA/ACT/CIR/PRD/060/03/2013
90 IRDA/NL/ORD/MOTP/061/03/2013
91 IRDA/Notification/7/65/2013
290
ANNEX 10
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 #
Sl. No.
REGULATIONS
10
11
12
13
IRDA (Preparation of Financial Statement and Auditors' Report of Insurance Companies) Regulations, 2000
14
15
16
IRDA (Insurance Surveyors and Loss Assessors) (Licensing, Professional Requirements and Code of Conduct)
Regulations, 2000
17
18
19
20
21
22
IRDA (Preparation of Financial Statement and Auditors' Report of Insurance Companies) Regulations, 2002
23
24
25
26
27
28
29
30
31
32
33
34
35
36
291
Contd... ANNEX 10
REGULATIONS FRAMED UNDER THE IRDA ACT, 1999 #
Sl. No.
REGULATIONS
37
38
39
40
41
42
43
44
45
IRDA (Conditions of Service of Officers and Other Employees)(Second Amendment) Regulations, 2008
46
47
48
49
50
51
52
IRDA (Scheme of Amalgamation and Transfer of General Insurance Business) Regulations, 2011
53
54
55
56
57
58
59
60
61
IRDA (Scheme of Amalgamation and Transfer of Life Insurance Business) Regulations, 2013
62
63
64
65
66
67
68
69
70
71
IRDA (Insurance Surveyors and Loss Assessors) (Licensing, Professional Requirements and Code of Conduct)
(Amendment) Regulations), 2013
72
73
292