Generating NPCs like RuneScape?

Ok I'm making a 2D game and I'm kind of confused on how to generate NPCs like runescape does, because as of now I have to do like

Code:

NPC 1 = new NPC(x, y, hp, ect...)

also I have to add the if(intersects) for the new NPC, I was just wondering if there was a way to assign the NPC class a rectangle inside it so I can just have one if statement in my Player class like

Code:

if(playerRect.intersects(NPCRect))

instead of making a new if statement for every new NPC

also here is a picture

 

I'm not too sure what you're asking, but why don't you just create an array or arraylist of NPCs and loop through them?

 

Ah yah that's what I was thinking but I wasn't sure if I was correct