Financial Year 2012-13 (27 MB) - The New India Assurance Co. Ltd.

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Leadership and BeyondxxReinsurers share of provisions for unpaid claims and adjustment expensesThe Company enters into reinsurance contracts in the normal course of business in order to limit potentiallosses arising from certain exposure. Reinsurance premiums are accounted for in the same period as therelated premiums for the direct insurance business being reinsured. Reinsurance liabilities, comprise ofpremiums payable for the purchase of reinsurance contracts and are included in accounts payable andaccrued liabilities and are recognized as an expense when due and paid.Expected reinsurance recoveries on unpaid claims and adjustment expenses are recognized as assetsat the same time and using principles consistent with the Company’s method for establishing the relatedliability based on the amount ceded out.xxiLiability adequacy testAt each financial year end date, liability adequacy tests are performed by a recognised Actuary to ensurethat adequacy of the contract liabilities net of related DAC . In performing these tests, current best estimatesof future contractual cash flows and claims handling and administration expenses, as well as investmentincome from the assets backing such liabilities, are used. Any deficiency is immediately charged to theincome statement by writing off DAC and by subsequently establishing a provision for losses arising fromliability adequacy tests (the unexpired risk provision).xxiiSalvage and subrogation reimbursementsSome insurance contracts permit the Company to sell (usually damaged) property acquired in settling aclaim (for example, salvage). The Company may also have the right to pursue third parties for paymentof some or all costs (for example, subrogation). Estimates of salvage recoveries are included as anallowance in the measurement of the insurance liability for claims, and salvage property is recognized inother assets when the liability is settled. The allowance is the amount that can reasonably be recoveredfrom the disposal of the property.Subrogation reimbursements are also considered as an allowance in the measurement of the insuranceliability for claims and are recognized in other assets when the liability is settled. The allowance is theassessment of the amount that can be recovered from the action against the liable third party.xxiiiRefund premiumThe Company may authorize a refund to its policy holders. This refund is recognized as a reduction ofrevenue in the year for which it is authorized.xxivRevenue recognitionxxiv(a) Gross premiumsGross recurring premiums on life and investment contracts with DPF are recognised as revenue whenpayable by the policyholder. For single premium business, revenue is recognised on the date on whichthe policy is effective.Unearned reinsurance premiums are those proportions of premiums written in a year that relate to periodsof risk after the reporting date. Unearned reinsurance premiums are deferred over the term of the underlyingdirect insurance policies for risks-attaching contracts and over the term of the reinsurance contract forlosses- occurring contracts.ANNUAL REPORT337
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Page 367 and 368: Leadership and Beyondix)Sensitivity
Page 369 and 370: Leadership and Beyondxii)investment
Page 371 and 372: Leadership and Beyondxiv)xv)xvi)•
Page 373 and 374: Leadership and BeyondStatement of f
Page 375 and 376: Leadership and Beyond31 December 20
Page 379 and 380: Leadership and Beyond1 January 2011
Page 381 and 382: Leadership and Beyond(e) Financial
Page 387 and 388:
Leadership and BeyondPlant &Machine
Page 389 and 390:
Leadership and Beyond31 December 20
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Leadership and Beyond31 December 20
Page 393 and 394:
Leadership and Beyond2012N'0002011N
Page 395 and 396:
Leadership and BeyonddDeferred tax
Page 397 and 398:
Leadership and Beyond1 January2012R
Page 399 and 400:
Page 401 and 402:
Leadership and BeyondFire GeneralAc
Page 403 and 404:
Leadership and BeyondNOTES TO THE F
Page 405 and 406:
Page 407 and 408:
Leadership and Beyond38(a) Profit b
Page 409 and 410:
Leadership and BeyondCategory Male
Page 411 and 412:
Leadership and Beyond(c) The Compan
Page 413 and 414:
Leadership and BeyondReconciliation
Page 415 and 416:
Leadership and Beyond43. Analysis o
Page 417 and 418:
Leadership and Beyond44. Contingenc
Page 419 and 420:
Leadership and Beyondd) Reconciliat
Page 421 and 422:
Leadership and Beyonde) Reconciliat
Page 423 and 424:
Leadership and BeyondPreviousGAAPEf
Page 425 and 426:
Leadership and BeyondPRESTIGE ASSUR
Page 427 and 428:
Leadership and BeyondPRESTIGE ASSUR
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Leadership and BeyondTHE NEW INDIA
Page 431 and 432:
Leadership and BeyondTHE NEW INDIA
Page 433:
Leadership and BeyondC. SUBSIDIARY
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Financial Year 2012-13 (27 MB) - The New India Assurance Co. Ltd.

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