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ANNUAL REPORT 2011-12 I.17 Company Wise Gross Direct Premium income in India : Non-Life Insurers ..... 36 I.18 Premium (Within India) Underwritten by Non-Life Insurers - Segment Wise ..... 36 I.19 Ratio of Outside India Premium to Total Premium ..... 37 I.20 Gross Direct Premium From Business Outside India : Non-Life Insurers ..... 37 I.21 Number of New Policies Issued : Non-Life Insurers ..... 37 I.22 Paid Up Capital : Non-Life Insurers and Reinsurer ..... 37 I.23 Underwriting Losses : Non-Life Insurers ..... 39 I.24 Commission Expenses : Non-Life Insurers ..... 39 I.25 Operating Expenses : Non-Life Insurers ..... 40 I.26 Net Incurred Claims : Non-Life Insurers ..... 40 I.27 Incurred Claims Ratio : Non-Life Insurers ..... 40 I.28 Investment Income : Non-Life Insurers ..... 41 I.29 Net Profi ts/Losses : Non-Life Insurers ..... 41 I.30 Dividends Paid : Non-Life Insurers ..... 41 I.31 Number of Non-Life Insurance Offi ces ..... 42 I.32 Net Retained Premium on Indian Business as per cent of Gross Direct Premium (Excluding GIC) ..... 46 I.33 Reinsurance Placed Within India and Outside India as per cent of Gross Direct Premium in India ..... 51 I.34 Reinsurance Ceded Outside India on Indian Business ..... 52 I.35 Net Retentions of Non-Life Insurers ..... 52 I.36 Share of Member Companies in the Indian Terrorism Pool ..... 55 I.37 Premium Rates for Terrorism Risk Insurance ..... 56 I.38 Expected Ultimate Liabilities as per GAD Estimate ..... 56 I.39 Due Dates for Net Settlements Amongst the Pool Members (IMTPIP) ..... 56 I.40 Motor Insurance Third Party Claims (IMTPIP) ..... 57 I.41 Market Share of Pool Members ..... 57 I.42 Total Investments of the Insurance Sector ..... 59 I.43 Total Investments of Life Insurers : Instrument-wise ..... 60 I.44 Investments of Life Insurers : Fund-wise ..... 60 I.45 Growth of Investments: Fund-wise ..... 61 I.46 Total Investments of Non-Life Insurers : Instrument-wise ..... 61 I.47 Health Insurance Premium ..... 62 I.48 TPA Licenses Renewed ..... 63 viii
ANNUAL REPORT 2011-12 I.49 TPA Infrastructure ..... 63 I.50 Third Party Administrators - Claims Data ..... 64 I.51 New Business under Micro Insurance Portfolio ..... 71 I.52 Micro Insurance Agents of Life Insurers ..... 71 I.53 Individual Death Claims Under Micro Insurance Portfolio ..... 71 I.54 Group Death Claims Under Micro Insurance Portfolio ..... 72 I.55 Duration-Wise Settlement of Death Claims in Micro Insurance – Individual Category ..... 72 I.56 Duration-Wise Settlement of Death Claims in Micro Insurance – Group Category ..... 72 I.57 List of Central Public Information Offi cers ..... 73 II.1 Details of Individual Agents of Life Insurers ..... 77 II.2 Details of Corporate Agents of Life Insurers ..... 78 II.3 Individual New Business Performance of Life Insurers - Channel Wise ..... 82 II.4 Group New Business Performance of Life Insurers - Channel Wise ..... 83 II.5 New Business Premium (Individual and Group) of Life Insurers - Channel Wise ..... 84 II.6 Number of Licenses Issued to Surveyors and Loss Assessors ..... 85 II.7 Grievances Relating to Surveyors and Loss Assessors ..... 86 II.8 Details of Cases Filed ..... 88 II.9 Number of Cases of Petitions Disposed / Dismissed ..... 88 II.10 Status of Grievances : Life Insurers ..... 92 II.11 Unfair Business Practice - Complaints ..... 93 II.12 Status of Grievances - Non-Life Insurers ..... 93 II.13 Disposal of Complaints by Ombudsmen during 2011-12 ..... 99 III.1 Penalties Levied by the Authority ..... 101 LIST OF CHARTS I.1 Insurance Density in Select Countries - 2011 ..... 17 I.2 Insurance Penetration in Select Countries - 2011 ..... 17 I.3 Insurance Density in India ..... 19 I.4 Insurance Penetration in India ..... 19 I.5 Premium Underwritten by Life Insurers ..... 23 I.6 First Year Premium - Life Insurers ..... 25 I.7 Total Premium- Life Insurers ..... 25 I.8 Duration Wise Break-up of Claims Pending - Individual Policies ..... 30 ix
Page 1: ANNUAL REPORT 2011-12 INSURANCE REG
Page 5 and 6: ANNUAL REPORT 2011-12 CONTENTS MISS
Page 7: ANNUAL REPORT 2011-12 IV.4 Promotio
Page 11 and 12: ANNUAL REPORT 2011-12 20. Solvency
Page 13: ANNUAL REPORT 2011-12 LIST OF ANNEX
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Page 23 and 24: ANNUAL REPORT 2011-12 NAME DESIGNAT
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Page 27 and 28: ANNUAL REPORT 2011-12 OVERVIEW The
Page 29 and 30: ANNUAL REPORT 2011-12 in 2010 and f
Page 31 and 32: ANNUAL REPORT 2011-12 Formation of
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Page 39: ANNUAL REPORT 2011-12 insurers unde
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ANNUAL REPORT 2011-12 I.3.27 Bajaj
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ANNUAL REPORT 2011-12 urban areas o
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ANNUAL REPORT 2011-12 TABLE I.17 CO
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ANNUAL REPORT 2011-12 TABLE I.25 OP
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ANNUAL REPORT 2011-12 Number of off
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ANNUAL REPORT 2011-12 BOX ITEM 3 IN
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ANNUAL REPORT 2011-12 TABLE I.32 NE
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ANNUAL REPORT 2011-12 I.4.1.3 Anoth
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ANNUAL REPORT 2011-12 Contd.... BOX
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ANNUAL REPORT 2011-12 14(2) Sub Sec
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ANNUAL REPORT 2011-12 Obligatory ce
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ANNUAL REPORT 2011-12 Sr. No. TABLE
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ANNUAL REPORT 2011-12 BOX ITEM 6 FO
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ANNUAL REPORT 2011-12 TABLE I.43 TO
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ANNUAL REPORT 2011-12 Allied Insura
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ANNUAL REPORT 2011-12 SI. No. Name
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ANNUAL REPORT 2011-12 number of liv
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ANNUAL REPORT 2011-12 active consid
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ANNUAL REPORT 2011-12 been piloted
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ANNUAL REPORT 2011-12 TABLE I.54 GR
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ANNUAL REPORT 2011-12 Authority til
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ANNUAL REPORT 2011-12 advised that
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ANNUAL REPORT 2011-12 Insurer TABLE
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ANNUAL REPORT 2011-12 The share of
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ANNUAL REPORT 2011-12 II.2.5 There
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ANNUAL REPORT 2011-12 Total of Indi
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ANNUAL REPORT 2011-12 TABLE II.7 GR
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ANNUAL REPORT 2011-12 insurance bro
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ANNUAL REPORT 2011-12 authority, ha
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ANNUAL REPORT 2011-12 Financial C
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ANNUAL REPORT 2011-12 cent of compl
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ANNUAL REPORT 2011-12 As per the
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ANNUAL REPORT 2011-12 margin relie
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ANNUAL REPORT 2011-12 PART - III ST
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ANNUAL REPORT 2011-12 and Faculty o
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ANNUAL REPORT 2011-12 III.4.3 The i
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ANNUAL REPORT 2011-12 Authority for
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ANNUAL REPORT 2011-12 in the sector
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ANNUAL REPORT 2011-12 These factors
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ANNUAL REPORT 2011-12 the rural and
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ANNUAL REPORT 2011-12 IV.5 RESEARCH
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ANNUAL REPORT 2011-12 compare the g
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ANNUAL REPORT 2011-12 IV.8 IRDA JOU
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ANNUAL REPORT 2011-12 INTERNATIONAL
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ANNUAL REPORT 2011-12 FIRST YEAR (I
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ANNUAL REPORT 2011-12 STATEMENT 5 I
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ANNUAL REPORT 2011-12 STATEMENT 6 G
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ANNUAL REPORT 2011-12 STATE WISE IN
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ANNUAL REPORT 2011-12 STATE WISE IN
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ANNUAL REPORT 2011-12 STATE WISE GR
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ANNUAL REPORT 2011-12 INDIVIDUAL BU
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ANNUAL REPORT 2011-12 LINKED AND NO
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ANNUAL REPORT 2011-12 LINKED AND NO
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ANNUAL REPORT 2011-12 INDIVIDUAL DE
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ANNUAL REPORT 2011-12 GROUP DEATH C
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ANNUAL REPORT 2011-12 DURATION WISE
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ANNUAL REPORT 2011-12 Contd... STAT
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ANNUAL REPORT 2011-12 EQUITY SHARE
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ANNUAL REPORT 2011-12 LIFE INSURERS
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ANNUAL REPORT 2011-12 STATEMENT 24
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ANNUAL REPORT 2011-12 DETAILS OF CO
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ANNUAL REPORT 2011-12 STATE WISE DI
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ANNUAL REPORT 2011-12 REGION WISE D
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ANNUAL REPORT 2011-12 STATE WISE DI
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ANNUAL REPORT 2011-12 DURATION WISE
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ANNUAL REPORT 2011-12 GROSS DIRECT
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ANNUAL REPORT 2011-12 SEGMENT WISE
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ANNUAL REPORT 2011-12 Contd….STAT
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ANNUAL REPORT 2011-12 STATE-WISE GR
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ANNUAL REPORT 2011-12 INCURRED CLAI
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ANNUAL REPORT 2011-12 UNDERWRITING
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ANNUAL REPORT 2011-12 UNDERWRITING
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ANNUAL REPORT 2011-12 EQUITY SHARE
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ANNUAL REPORT 2011-12 PUBLIC SECTOR
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ANNUAL REPORT 2011-12 PUBLIC SECTOR
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ANNUAL REPORT 2011-12 PRIVATE SECTO
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ANNUAL REPORT 2011-12 HEALTH INSURE
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ANNUAL REPORT 2011-12 HEALTH INSURE
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ANNUAL REPORT 2011-12 AGRICULTURE I
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ANNUAL REPORT 2011-12 AGRICULTURE I
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ANNUAL REPORT 2011-12 STATE-WISE NU
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ANNUAL REPORT 2011-12 STATE-WISE CO
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ANNUAL REPORT 2011-12 STATUS OF GRI
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ANNUAL REPORT 2011-12 ANNEX 1 INSUR
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ANNUAL REPORT 2011-12 FEE STRUCTURE
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ANNUAL REPORT 2011-12 ANNEX 3 (ii)
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ANNUAL REPORT 2011-12 Contd… ANNE
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ANNUAL REPORT 2011-12 LIST OF MICRO
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ANNUAL REPORT 2011-12 Contd... ANNE
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ANNUAL REPORT 2011-12 CIRCULARS/ORD
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ANNUAL REPORT 2011-12 REGULATIONS F
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