GIC Re / OICL/UICL

Nationality

• Candidate must be an Indian citizen.

Age Limit

• Minimum age: 21 years
• Maximum age: 30 years
• Age relaxations apply as per government and company rules.

Educational Qualification

• Generalist AO: Graduate in any discipline
• Specialist AO: Relevant degree as prescribed in the notification

Age Relaxation

*Relaxations follow applicable Government of India and company recruitment rules.*

Reservation is applied as per Government of India policy.

Vertical reservation

• SC: 15%
• ST: 7.5%
• OBC: 27%
• EWS: 10%

Horizontal reservation

• PwD
• Ex-servicemen

Selection Stages

1. Prelims — Objective test

2. Mains — Objective test and descriptive component, as notified

3. Interview

Stage-wise structure

Key points

• Prelims is generally qualifying or screening in nature.
• Mains is the main merit-making stage.
• Interview is used for final selection and overall suitability.

The AO recruitment process typically follows this flow:

1. Online registration

2. Fill application form

3. Upload photograph, signature, and documents

4. Pay application fee

5. Download admit card

6. Appear for Prelims

7. Appear for Mains

8. Interview

9. Final merit list / document verification

10. Medical and joining formalities, if applicable

Prelims Syllabus

• Reasoning Ability
• Puzzles
• Seating arrangement
• Syllogism
• Blood relations
• Coding-decoding
• Inequality
• Input-output
• Quantitative Aptitude
• Number series
• Simplification / approximation
• Arithmetic
• Data interpretation
• Quadratic equations
• English Language
• Reading comprehension
• Cloze test
• Error spotting
• Fillers
• Para jumbles
• Vocabulary
• General Awareness
• Current affairs
• Insurance awareness
• Banking and financial awareness
• Economy
• Government schemes
• Static GK

Mains Syllabus

• Reasoning
• Quantitative Aptitude
• English Language
• General Awareness
• Insurance sector awareness
• Economy and finance
• RBI / financial institutions
• Current affairs
• Regulatory awareness

Focus areas for AO exam

• Insurance industry basics
• Public sector general insurance structure
• Policy terms and claims concepts
• Economy, banking, and financial awareness
• Daily current affairs with emphasis on business and finance

1. Visit the official website of the recruiting company.

2. Open the latest AO recruitment notification.

3. Read the instructions and eligibility criteria carefully.

4. Register with a valid mobile number and email ID.

5. Fill the online application form.

6. Upload required documents in the prescribed format.

7. Pay the application fee online.

8. Submit the form and save the confirmation page.

9. Download and preserve a copy for future use.

Documents commonly required

• Recent passport-size photograph
• Signature
• Left thumb impression, if asked
• Handwritten declaration, if asked
• Educational certificates
• Category certificate, if applicable
• PwD certificate, if applicable
• ID proof

• General / OBC / EWS: approximately ₹600
• SC / ST / PwBD: ₹100

The initial salary for an AO in these public sector general insurance companies is typically in the range of ₹50,000 to ₹65,000 per month, along with allowances.

Common components

• Basic pay
• Dearness allowance
• House rent allowance
• City compensatory allowance, where applicable
• Medical benefits
• Leave travel benefits, as per rules
• Pension/NPS-related benefits as applicable

Actual in-hand pay depends on posting location, deductions, and company rules.

Mains cutoff for General category candidates has typically been in the range of 110 to 140 marks out of 200.

Cutoffs vary by:

• company,
• category,
• difficulty level,
• vacancy count,
• and normalization rules, if used.

Priority order

1. Reasoning

2. Quantitative Aptitude

3. English

4. General Awareness with insurance and economy focus

Suggested study plan

• Months 1–2: Build basics and finish section-wise practice
• Months 3–4: Full-length mock tests and revision
• Final phase: Current affairs, insurance awareness, and speed practice

Recommended resources

• R.S. Aggarwal for reasoning and aptitude basics
• Standard English grammar and comprehension practice
• Insurance awareness notes
• Current affairs capsules
• Mock tests and previous papers, where available

Strategy tips

• Attempt easy questions first in timed sections
• Revise formulas and shortcut methods
• Read business and economy news daily
• Practice mocks under exam-like conditions

A successful AO candidate can build a long-term career in PSU general insurance.

Typical progression

Administrative Officer (Scale I) → Scale II Officer → Manager → higher supervisory and leadership roles

Work areas may include

• Underwriting
• Claims
• Policy servicing
• Administration
• Business operations
• Compliance and coordination

• https://gicre.in
• https://orientalinsurance.org.in
• https://uiic.co.in

Always verify the latest notification, eligibility, dates, and application instructions on the official company website before applying.

1. What is the GIC Re / OICL / UICL Administrative Officer (AO) exam?

It is a recruitment exam for Administrative Officer posts in public sector general insurance companies.

2. Which organizations recruit AO through this exam?

GIC Re, Oriental Insurance Company Limited, and United India Insurance Company Limited recruit through this process.

3. What is the full form of AO in this recruitment?

AO stands for Administrative Officer.

4. What is the basic educational qualification required for AO?

A graduate degree is required for generalist AO posts, while specialist posts require a relevant degree.

5. What is the age limit for applying to the AO post?

The usual age limit is 21 to 30 years, subject to applicable relaxations.

6. Is Indian citizenship required for this exam?

Yes, the candidate must be an Indian citizen.

7. What are the stages in the AO selection process?

The selection process includes Prelims, Mains, and Interview.

8. Is there a preliminary exam and a mains exam for AO?

Yes, both Prelims and Mains are part of the selection process.

9. What subjects are asked in the AO prelims exam?

Reasoning, Quantitative Aptitude, English, and General Awareness are asked in Prelims.

10. What subjects are asked in the AO mains exam?

Reasoning, Quantitative Aptitude, English, and General Awareness are asked in Mains.

11. Is there negative marking in the AO exam?

Yes, there is negative marking of 1/4 mark for wrong answers in objective sections.

12. Does the AO recruitment include an interview?

Yes, the selection process includes an interview.

13. What is the salary of an AO in these insurance companies?

The initial salary is generally around ₹50,000 to ₹65,000 per month, along with allowances.

14. What is the job profile of an Administrative Officer in PSU general insurance?

The AO handles work such as underwriting, claims, policy servicing, administration, operations, and coordination.

15. Is there any reservation for SC, ST, OBC, EWS, PwD, or Ex-servicemen candidates?

Yes, reservation is provided as per Government of India rules.

16. How can I apply for the AO exam?

You can apply online through the official recruitment portal of the concerned company after the notification is released.

17. What is the application fee for General and reserved category candidates?

The fee is generally around ₹600 for General/OBC/EWS candidates and ₹100 for SC/ST/PwBD candidates.

18. Which official websites should candidates trust for notification updates?

Candidates should trust the official websites of GIC Re, Oriental Insurance, and United India Insurance.

19. What is the career growth path after joining as AO?

The career path typically moves from AO to Scale II and then to Manager and higher roles.

20. How should a candidate prepare for the AO exam effectively?

Prepare section-wise, practice mocks regularly, and focus on insurance awareness, economy, English, reasoning, and quantitative aptitude.