NICL AO Salary 2025 - Check Pay Scale, Perks and Benefits

NICL AO Salary 2025; Pay Scale and Job Profile

National Insurance Company Limited (NICL), a government-owned non-life insurer headquartered in Kolkata, has released its AO 2025 notification for 266 Scale I posts—170 Generalists and 96 Specialists in streams such as Finance, Legal, IT, Automobile Engineering, Medical (MBBS), and Hindi (Rajbhasha). Online applications open on 12 June 2025 and close on 3 July 2025. Candidates must apply only once, select their discipline carefully, and ensure they meet the age (21–30 years as on 1 May 2025) and educational requirements before submitting their form.

The starting basic pay for NICL AOs is ₹50,925 in the ₹50,925–2,500(14)–85,925–2,710(4)–96,765 scale. In metropolitan centres, total monthly emoluments—including Dearness Allowance, HRA, and other allowances—amount to approximately ₹90,000 . Officers also receive benefits such as medical coverage, pension under the New Pension Scheme, gratuity, leave travel subsidy, group personal accident insurance, and company or leased accommodation as per norms.

To succeed, candidates should download the official notification PDF from NICL’s website, review the detailed AO eligibility criteria and job profile, and prepare according to the prescribed syllabus and exam pattern. This comprehensive AO recruitment offers a secure career path, competitive pay, and long-term growth in one of India’s leading public-sector insurers.

The enticing NICL AO Salary, complemented by its associated perks and allowances, presents a compelling career prospect for individuals aspiring to secure a well-paid and stable position within the esteemed National Insurance Company Limited, a reputable government organization.

Other Perks and Benefits for NICL AO

In addition to the NICL AO salary, an Administrative Officer (AO) in NICL enjoys a comprehensive range of benefits and allowances. These perks are designed to provide financial security and enhance the overall well-being of the employees. Some of the notable benefits and allowances include:

• National Pension System (NPS): Besidies the NICL AO Salary,  AOs are covered under the National Pension System, which is a government-backed pension scheme managed by the Pension Fund Regulatory and Development Authority (PFRDA). This ensures a secure retirement for employees.
• Gratuity: Employees are entitled to receive gratuity, along with the NICL AO salary which is a lump sum amount given to them as a token of appreciation for their long and dedicated service to the organization. Gratuity is usually payable after completing a specified number of years in service.
• Leave Travel Subsidy (LTS): AOs are eligible for Leave Travel Subsidy,along with the NICL AO salary allowing them to claim travel expenses for vacations with their family.
• Medical Benefits: Besides the NICL AO salary, the company provides medical benefits, including health insurance coverage for the employee and their family members. This ensures access to medical facilities and financial assistance in case of medical emergencies.
• Group Personal Accident Insurance: Besides the NICL AO salary, employees are covered under a Group Personal Accident Insurance policy, offering financial support in the event of accidental injuries or unfortunate incidents.
• Leased Accommodation: The Officers are also eligible for the Company's or leased accommodation along with the NICL AO salary as per the Company’s guidelines, easing their housing concerns and providing a convenient living arrangement.

These benefits and allowances form a crucial part of the overall compensation package, making the job of an Administrative Officer in NICL more attractive and rewarding. The organization aims to create a conducive work environment and foster the well-being of its employees, thus contributing to their professional growth and job satisfaction.

Probation

Newly appointed NICL AOs undergo a probation period of one year from the date of joining. This probation may be extended twice, each extension lasting six months (up to a total of two years’ probation). During this time, officers must clear the non-life “Licentiate Examination” conducted by the Insurance Institute of India.

Confirmation of service is contingent upon passing this exam within the probation and any extension period. Failure to do so will result in termination at the end of the extended period. Additionally, NICL reserves the right to terminate the probationary appointment at any time, during the initial probation or its extension, without notice or explanation.

Guarantee Bond

Before joining, selected candidates must sign a guarantee bond committing to a minimum of four years’ service, inclusive of probation. If an officer resigns before completing this four-year bond, they must pay liquidated damages equivalent to one year’s gross salary received during the probation year, prorated to their actual service duration.

Candidates must furnish a stamped bond with two financially sound sureties (non-relatives) for this amount. Resignation or termination during probation also incurs repayment of the entire gross salary drawn to date plus ₹25,000 toward training costs, with no entitlement to leave salary or pension contributions.

 NICL AO Job Profile 2025

The job profile of an Administrative Officer in NICL can encompass various tasks and responsibilities, which may vary based on the place of posting and requirements of the concerned office. Some of the basic duties and responsibilities of a NICL AO are as follows:

• Verification of Risk Proposals and Authorizing Claims: A key responsibility involves evaluating insurance risk proposals submitted by clients and authorizing the settlement of claims as per the company's policies and guidelines.
• Underwriting: An AO is involved in the underwriting process, which involves assessing and determining the terms and conditions of insurance policies.
• Risk Assessment: Conducting risk assessments to analyze the potential risks involved in providing insurance coverage and making informed decisions based on the evaluation.
• Supervision of Assistants' Work: A supervisory role involves overseeing the work of assistants and ensuring that tasks are carried out efficiently and accurately.
• Settlement of Claims: Another significant responsibility is the proper and timely settlement of insurance claims submitted by policyholders.

The job of an NICL AO requires a combination of analytical skills, communication abilities, and attention to detail to effectively manage insurance operations and provide quality service to clients.

It is important to note that an AO in NICL can be transferred to any location within the country during their service tenure.