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

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Leadership and BeyondIn recognition of the fact that an increasingly larger number of clients are opting for combined fire and engineeringproducts like IAR policies and the resultant need for synergy between the hitherto separate verticals of Fire andEngineering line of businesses, it has now been decided to combine these two departments into one single Fire &Engineering department at Head Office.The company has set a target of 20% growth for 2013-14 for the combined Fire & Engineering portfolios.HEALTH INSURANCEThe Company has retained its leadership in Health Insurance business showing an accretion of 17.5%. The totalhealth premium stands at `2753 crore in 2012-13 (as against `2366 crore in 2011-12), accounting for 27.5% oftotal company’s business. The premium under RSBY scheme of Central Government grew to `101 crore in2012-13 from `41 crore in 2011-12.The company has filed new Retail Health Insurance Product – “MEDICLAIM 2012”, with added benefits. Theapproval for the same has now been received from IRDA. The Company plans to launch the product shortly andforesees a spurt in retail volumes in coming year. As part of claims control measures, Head Office, teams wereformed for intensive audit of TPAs. The PPN network, which has shown good results in the last two years, hasbeen extended to include Indore & Jaipur. Recruitment is on for twenty five MBBS professionals to be placed atHead Office and various Regional Offices for effective claims management and TPA control.MARINE CARGO AND HULL INSURANCENew India continues to maintain its leadership in Marine line of business with a market share of 22.25 % for cargoand Hull combined. With a domestic premium income of 670 crore as against `606 crore previous year, the portfoliohas achieved a balance growth with profitability.However, due to downturn in marine business globally, company’s foreign office premium has not shown growthalthough profitability is maintained.Despite recession and fall in number of projects in the country, Marine Cargo has grown @8%. Marine Hull hasshown good increase of approximately 13% Offshore Energy risks being the main growth drivers now constitutingapproximately 70% of the Hull portfolio.The Cargo Portfolio remains profitable on gross as well as net basis. Underwriting results have improved in Marineportfolio due to prudent underwriting in case of large risks. Though the rate in Marine Cargo insurance continue tobe very low due to soft market, claims management and recovery have shown improvement.The projection for year 2013-14 is 14% growth while maintaining the profitability of the portfolio. The departmenthas also initiated publishing marketing literature for customers and also to streamline the claims settlement andcustomer service guidelines.The overall performance in marine department in the context of global market conditions is satisfactory and witha renewed thrust on customer services and marketing it is hoped to achieve the desired growth. Offshore Energyrisks will continue to be main growth drivers in the Hull department whereas in cargo on-line issuance of documentsand improvements in delivery system is expected to drive growth in small and medium risk segment.AVIATION INSURANCEAs in most other lines of business, in Aviation insurance also, New India Assurance has been a pioneer, havingissued its first aircraft policy way back in 1932. Today the company holds the lead position in the market in thisANNUAL REPORT37
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Leadership and BeyondviiiImpairment
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Leadership and BeyondThe Company is
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Leadership and BeyondFor a portfoli
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Leadership and BeyondThe Company cl
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Leadership and Beyondmarket risk po
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Leadership and Beyondix)Sensitivity
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Leadership and Beyondxii)investment
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Leadership and Beyondxiv)xv)xvi)•
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Leadership and BeyondStatement of f
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Leadership and Beyond31 December 20
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Leadership and Beyond1 January 2011
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Leadership and Beyond(e) Financial
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Leadership and BeyondPlant &Machine
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Leadership and Beyond2012N'0002011N
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Leadership and BeyonddDeferred tax
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Leadership and Beyond1 January2012R
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Leadership and BeyondFire GeneralAc
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Leadership and BeyondNOTES TO THE F
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Leadership and Beyond38(a) Profit b
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Leadership and BeyondCategory Male
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Leadership and Beyond(c) The Compan
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Leadership and BeyondReconciliation
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Leadership and Beyond43. Analysis o
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Leadership and Beyond44. Contingenc
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Leadership and Beyondd) Reconciliat
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Leadership and Beyonde) Reconciliat
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Leadership and BeyondPreviousGAAPEf
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Leadership and BeyondPRESTIGE ASSUR
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Leadership and BeyondPRESTIGE ASSUR
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Leadership and BeyondTHE NEW INDIA
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Leadership and BeyondTHE NEW INDIA
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Leadership and BeyondC. SUBSIDIARY
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Financial Year 2012-13 (27 MB) - The New India Assurance Co. Ltd.

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