UNIQA Group Report 2010 - 23. Actuarial provisions

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Gross	Unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds	Provision for profit-related premium refunds and /or policyholder profit participation	Other actuarial provisions	Group total
	€ 000	€ 000	€ 000	€ 000	€ 000	€ 000	€ 000
Property and casualty
As at 31 Dec. 2009	536,212	40,280	2,028,238	27,110	7,682	23,775	2,663,298
Exchange rate differences	4,381	–162	–8,628	39	18	376	–3,977
Change in consolidation scope	0		0				0
Portfolio changes	78					0	78
Additions		1,564		4,346	245	23,581	29,736
Disposals		–3,347		–471	–185	–24,532	–28,535
Premiums written	2,230,033						2,230,033
Premiums earned	–2,193,102						–2,193,102
Claims in reporting year			1,782,966				1,782,966
Claims payments in reporting year			–955,866				–955,866
Change in claims from previous years			–60,808				–60,808
Claims payments in previous years			–690,756				–690,756
As at 31 Dec. 2010	577,602	38,336	2,095,145	31,024	7,760	23,200	2,773,067

Health
As at 31 Dec. 2009	16,357	2,375,317	167,447	20,252	42,224	596	2,622,192
Exchange rate differences	223	71	94	–4		–2	382
Change in consolidation scope							0
Portfolio changes	0					–8	–8
Additions		169,785		1,231	8,746	–28	179,733
Disposals		–10,122		–4,900	–6,094	–10	–21,126
Premiums written	804,930						804,930
Premiums earned	–804,290						–804,290
Claims in reporting year			646,568				646,568
Claims payments in reporting year			–496,184				–496,184
Change in claims from previous years			–8,961				–8,961
Claims payments in previous years			–136,130				–136,130
As at 31 Dec. 2010	17,220	2,535,051	172,834	16,578	44,876	548	2,787,106

Life
As at 31 Dec. 2009	0	13,639,771	104,259	226	146,659	23,305	13,914,220
Exchange rate differences		22,911	127	–6	350	–37	23,345
Change in consolidation scope		0	0				0
Portfolio changes		262,440	0		50	1,326	263,817
Additions		204,825		1,649	84,086	5,336	295,896
Disposals		–223,592		0	–119,085	–6,287	–348,964
Premiums written							0
Premiums earned							0
Claims in reporting year			1,680,679				1,680,679
Claims payments in reporting year			–1,592,981				–1,592,981
Change in claims from previous years			52,054				52,054
Claims payments in previous years			–119,745				–119,745
As at 31 Dec. 2010	0	13,906,355	124,393	1,869	112,060	23,644	14,168,321

Group total
As at 31 Dec. 2009	552,569	16,055,368	2,299,943	47,588	196,565	47,677	19,199,710
Exchange rate differences	4,604	22,820	–8,407	28	368	337	19,750
Change in consolidation scope	0	0	0				0
Portfolio changes	78	262,440	0		50	1,318	263,887
Additions		376,174		7,226	93,077	28,889	505,366
Disposals		–237,060		–5,371	–125,364	–30,830	–398,625
Premiums written	3,034,963						3,034,963
Premiums earned	–2,997,392						–2,997,392
Claims in reporting year			4,110,213				4,110,213
Claims payments in reporting year			–3,045,031				–3,045,031
Change in claims from previous years			–17,715				–17,715
Claims payments in previous years			–946,631				–946,631
As at 31 Dec. 2010	594,822	16,479,742	2,392,372	49,472	164,696	47,392	19,728,495

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Reinsurers' share	Unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds	Provision for profit-related premium refunds and /or policyholder profit participation	Other actuarial provisions	Group total
	€ 000	€ 000	€ 000	€ 000	€ 000	€ 000	€ 000
Property and casualty
As at 31 Dec. 2009	19,613	443	281,334	99	0	3,795	305,285
Exchange rate differences	396	–30	291			–48	610
Change in consolidation scope	0		0				0
Portfolio changes	–560		–1,034				–1,594
Additions		0		0		37	37
Disposals		–37		–66		–616	–719
Premiums written	159,178						159,178
Premiums earned	–159,179						–159,179
Claims in reporting year			23,478				23,478
Claims payments in reporting year			–9,665				–9,665
Change in claims from previous years			–785				–785
Claims payments in previous years			–70,284				–70,284
As at 31 Dec. 2010	19,449	376	223,336	33	0	3,168	246,362

Health
As at 31 Dec. 2009	728	1,447	534	0	0	0	2,710
Exchange rate differences	67		1				68
Change in consolidation scope							0
Portfolio changes							0
Additions							0
Disposals		–124					–124
Premiums written	2,866						2,866
Premiums earned	–2,355						–2,355
Claims in reporting year			62				62
Claims payments in reporting year			–32				–32
Change in claims from previous years			12				12
Claims payments in previous years			–23				–23
As at 31 Dec. 2010	1,305	1,323	555	0	0	0	3,183

Life
As at 31 Dec. 2009	0	446,708	11,894	0	0	–146	458,456
Exchange rate differences		41	1	0			43
Change in consolidation scope		0					0
Portfolio changes		–11,316	1,303				–10,013
Additions		12,182				–17	12,165
Disposals		–606		0		0	–606
Premiums written							0
Premiums earned							0
Claims in reporting year			26,506				26,506
Claims payments in reporting year			–18,436				–18,436
Change in claims from previous years			–1,733				–1,733
Claims payments in previous years			–3,451				–3,451
As at 31 Dec. 2010	0	447,009	16,084	0	0	–163	462,930

Group total
As at 31 Dec. 2009	20,341	448,599	293,762	99	0	3,649	766,450
Exchange rate differences	463	12	294	0		–48	720
Change in consolidation scope	0	0	0				0
Portfolio changes	–560	–11,316	269				–11,607
Additions		12,182		0		20	12,202
Disposals		–768		–66		–616	–1,450
Premiums written	162,044						162,044
Premiums earned	–161,533						–161,533
Claims in reporting year			50,046				50,046
Claims payments in reporting year			–28,133				–28,133
Change in claims from previous years			–2,507				–2,507
Claims payments in previous years			–73,758				–73,758
As at 31 Dec. 2010	20,755	448,708	239,974	33	0	3,005	712,475

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Retention	Unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds	Provision for profit-related premium refunds and /or policyholder profit participation	Other actuarial provisions	Group total
	€ 000	€ 000	€ 000	€ 000	€ 000	€ 000	€ 000
Property and casualty
As at 31 Dec. 2009	516,599	39,837	1,746,904	27,011	7,682	19,980	2,358,013
Exchange rate differences	3,986	–133	–8,920	39	18	424	–4,586
Change in consolidation scope	0		0				0
Portfolio changes	638		1,034			0	1,672
Additions		1,564		4,346	245	23,544	29,699
Disposals		–3,309		–405	–185	–23,917	–27,816
Premiums written	2,070,855						2,070,855
Premiums earned	–2,033,923						–2,033,923
Claims in reporting year			1,759,488				1,759,488
Claims payments in reporting year			–946,201				–946,201
Change in claims from previous years			–60,022				–60,022
Claims payments in previous years			–620,472				–620,472
As at 31 Dec. 2010	558,154	37,959	1,871,810	30,991	7,760	20,032	2,526,706

Health
As at 31 Dec. 2009	15,629	2,373,869	166,912	20,252	42,224	596	2,619,482
Exchange rate differences	156	71	92	–4		–2	314
Change in consolidation scope							0
Portfolio changes	0					–8	–8
Additions		169,785		1,231	8,746	–28	179,733
Disposals		–9,998		–4,900	–6,094	–10	–21,001
Premiums written	802,064						802,064
Premiums earned	–801,935						–801,935
Claims in reporting year			646,507				646,507
Claims payments in reporting year			–496,153				–496,153
Change in claims from previous years			–8,973				–8,973
Claims payments in previous years			–136,107				–136,107
As at 31 Dec. 2010	15,914	2,533,728	172,279	16,578	44,876	548	2,783,923

Life
As at 31 Dec. 2009	0	13,193,063	92,365	226	146,659	23,451	13,455,764
Exchange rate differences		22,870	126	–6	350	–37	23,303
Change in consolidation scope		0	0				0
Portfolio changes		273,757	–1,303		50	1,326	273,830
Additions		192,643		1,649	84,086	5,353	283,731
Disposals		–222,985		0	–119,085	–6,287	–348,358
Premiums written							0
Premiums earned							0
Claims in reporting year			1,654,173				1,654,173
Claims payments in reporting year			–1,574,545				–1,574,545
Change in claims from previous years			53,787				53,787
Claims payments in previous years			–116,294				–116,294
As at 31 Dec. 2010	0	13,459,346	108,309	1,869	112,060	23,806	13,705,390

Group total
As at 31 Dec. 2009	532,228	15,606,770	2,006,182	47,490	196,565	44,028	18,433,260
Exchange rate differences	4,142	22,808	–8,702	28	368	385	19,029
Change in consolidation scope	0	0	0				0
Portfolio changes	638	273,757	–269		50	1,318	275,494
Additions		363,992		7,226	93,077	28,869	493,163
Disposals		–236,292		–5,304	–125,364	–30,214	–397,175
Premiums written	2,872,919						2,872,919
Premiums earned	–2,835,859						–2,835,859
Claims in reporting year			4,060,167				4,060,167
Claims payments in reporting year			–3,016,898				–3,016,898
Change in claims from previous years			–15,208				–15,208
Claims payments in previous years			–872,873				–872,873
As at 31 Dec. 2010	574,067	16,031,033	2,152,398	49,439	164,695	44,387	19,016,019