NIACL AO case studies
NIACL AO · Put your knowledge to work in context.
The NIACL Administrative Officer (AO) recruitment examination is the selection route into the Assistant Manager (Scale I) cadre of The New India Assurance Company Limited, a public sector general insurer. It suits graduates who want a generalist officer career in underwriting, claims, marketing, or branch administration inside a large government-owned insurance company rather than a private insurer or a bank. The NIACL AO case studies are 5 cases and about 4,469 words.
1The returned-documents letter: fixing a draft before 1,240 policyholders read it
Your regional office in Nagpur must send a status letter to 1,240 health-insurance policyholders whose claim documents were returned on 12 August because the hospital's final bill was missing. The zonal head's draft contains four sentences: (i) 'Having received the documents after 30 days, the claim cannot be processed.' (ii) 'The policyholder should contact the hospital and they should resend the bill.' (iii) 'We regret to inform that you failed to send the complete set of papers and hence no action lies.' (iv) 'It is regretted that the deficiency, if any, is being looked into.' You have 160 characters for an SMS and 120 words for a letter, which must be issued in English and Marathi.
889 words, about 4 min2Floor plan, folder rights and nine days to audit
Six officers - P, Q, R, S, T and U - must be seated two to a floor across floors 1, 2 and 3 of a branch, and each officer gets a login mapped to one shared folder, CLAIMS. The seating clues are: (a) Q sits on the floor immediately above R; (b) P and S do not sit on the same floor; (c) T sits on floor 3; (d) U does not sit on floor 1; (e) S sits on floor 2.
885 words, about 4 min3Which branch gets the ₹5 crore: paid versus incurred claims
FY24 figures for three branches of a general insurer. Branch A: gross written premium ₹120 crore, claims paid ₹78 crore, commission ₹12 crore, operating expenses ₹18 crore; premium grew 8.0% over FY23 premium of ₹111.1 crore.
842 words, about 4 min4A ₹1.2 lakh premium, a pre-filled form and a 50 bps rate cut
A 45-year-old schoolteacher deposits ₹6 lakh in fresh fixed deposits every two years at a district cooperative bank that acts as a corporate agent for two insurers. She holds ₹14 lakh in fixed deposits earning 7.1%, has no health cover, holds ₹2 lakh cover under PMJJBY, and has two children aged 12 and 9.
925 words, about 5 min5Descriptive paper: repairing an emotional letter opening and a hollow essay opening
You are writing the Descriptive English paper: a letter worth 10 marks and an essay worth 20 marks, with about 250-300 words for the essay and about 150 words for the letter. Your letter topic: write to the Branch Manager, Claim Hub, about a ₹47,000 reimbursement claim for your father's cataract surgery that has been pending for 63 days, acknowledging that one page of the discharge summary was submitted late.
928 words, about 5 min