26. Technical provisions


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 technical provisions

Total

In € thousand

Property and casualty insurance

 

 

 

 

 

 

 

As at 1 January 2015

607,373

12,565

2,240,465

35,468

952

16,825

2,913,649

Foreign exchange differences

–2,268

1

1,032

–1

14

149

–1,072

Portfolio changes

–98

 

2,454

 

 

 

2,356

Additions

 

17

 

108

1,760

1,619

3,503

Disposals

 

–240

 

–8,392

–1,571

–2,831

–13,033

Premiums written

1,690,385

 

 

 

 

 

1,690,385

Premiums earned

–1,678,614

 

 

 

 

 

–1,678,614

Claims reporting year

 

 

1,432,622

 

 

 

1,432,622

Claims payments reporting year

 

 

–658,568

 

 

 

–658,568

Change in claims previous years

 

 

11,189

 

 

 

11,189

Claims payments previous years

 

 

–657,537

 

 

 

–657,537

As at 31 December 2015

616,780

12,344

2,371,658

27,183

1,155

15,761

3,044,881

 

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

 

As at 1 January 2015

19,268

2,436,865

165,204

10,823

44,652

989

2,677,800

Foreign exchange differences

–260

132

149

–1

0

37

58

Additions

 

124,640

 

10,910

1

284

135,835

Disposals

 

30

 

–8,922

–17,436

–98

–26,425

Premiums written

935,525

 

 

 

 

 

935,525

Premiums earned

–935,455

 

 

 

 

 

–935,455

Claims reporting year

 

 

663,884

 

 

 

663,884

Claims payments reporting year

 

 

–478,162

 

 

 

–478,162

Change in claims previous years

 

 

–3,624

 

 

 

–3,624

Claims payments previous years

 

 

–189,533

 

 

 

–189,533

As at 31 December 2015

19,077

2,561,667

157,917

12,811

27,218

1,212

2,779,902

 

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

 

As at 1 January 2015

 

14,323,869

179,174

3,452

1,095,678

26,446

15,628,619

Foreign exchange differences

 

–8,115

23

–1

41

–4

–8,056

Portfolio changes

 

18,353

154

 

–18,130

 

378

Additions

 

625,972

 

38

–1,634

8,840

633,216

Disposals

 

–898,991

 

 

–87,213

–7,054

–993,257

Claims reporting year

 

 

1,966,271

 

 

 

1,966,271

Claims payments reporting year

 

 

–1,772,876

 

 

 

–1,772,876

Change in claims previous years

 

 

32,346

 

 

 

32,346

Claims payments previous years

 

 

–211,351

 

 

 

–211,351

As at 31 December 2015

 

14,061,089

193,741

3,489

988,743

28,228

15,275,289

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

As at 1 January 2015

626,641

16,773,299

2,584,844

49,743

1,141,282

44,260

21,220,068

Foreign exchange differences

–2,528

–7,981

1,204

–2

55

181

–9,070

Portfolio changes

–98

18,353

2,608

 

–18,130

 

2,734

Additions

 

750,629

 

11,056

127

10,742

772,554

Disposals

 

–899,200

 

–17,313

–106,220

–9,982

–1,032,716

Premiums written

2,625,910

 

 

 

 

 

2,625,910

Premiums earned

–2,614,069

 

 

 

 

 

–2,614,069

Claims reporting year

 

 

4,062,778

 

 

 

4,062,778

Claims payments reporting year

 

 

–2,909,607

 

 

 

–2,909,607

Change in claims previous years

 

 

39,911

 

 

 

39,911

Claims payments previous years

 

 

–1,058,421

 

 

 

–1,058,421

As at 31 December 2015

635,857

16,635,100

2,723,316

43,483

1,017,115

45,201

21,100,072

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 technical provisions

Total

In € thousand

Property and casualty insurance

 

 

 

 

 

 

 

As at 1 January 2015

15,939

135

137,605

 

 

2,120

155,799

Foreign exchange differences

–29

0

310

 

 

–1

280

Portfolio changes

–284

 

3,257

 

 

 

2,973

Additions

 

 

 

 

 

215

215

Disposals

 

–121

 

 

 

–604

–725

Premiums written

46,676

 

 

 

 

 

46,676

Premiums earned

–40,419

 

 

 

 

 

–40,419

Claims reporting year

 

 

55,631

 

 

 

55,631

Claims payments reporting year

 

 

–8,267

 

 

 

–8,267

Change in claims previous years

 

 

716

 

 

 

716

Claims payments previous years

 

 

–37,606

 

 

 

–37,606

As at 31 December 2015

21,883

14

151,645

 

 

1,730

175,272

 

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

 

As at 1 January 2015

92

886

25

 

 

 

1,002

Foreign exchange differences

1

 

0

 

 

 

2

Portfolio changes

–40

 

 

 

 

 

–40

Disposals

 

–92

 

 

 

 

–92

Premiums written

69

 

 

 

 

 

69

Premiums earned

–44

 

 

 

 

 

–44

Claims reporting year

 

 

3

 

 

 

3

Claims payments reporting year

 

 

–30

 

 

 

–30

Change in claims previous years

 

 

26

 

 

 

26

Claims payments previous years

 

 

–2

 

 

 

–2

As at 31 December 2015

79

794

22

 

 

 

895

 

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

 

As at 1 January 2015

 

393,286

13,610

 

 

–156

406,739

Foreign exchange differences

 

–29

0

 

 

0

–29

Portfolio changes

 

–13,237

–90

 

 

 

–13,327

Additions

 

3,978

 

 

 

 

3,978

Disposals

 

–27,230

 

 

 

–20

–27,250

Claims reporting year

 

 

3,529

 

 

 

3,529

Claims payments reporting year

 

 

–464

 

 

 

–464

Change in claims previous years

 

 

305

 

 

 

305

Claims payments previous years

 

 

–683

 

 

 

–683

As at 31 December 2015

 

356,769

16,206

 

 

–177

372,798

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

As at 1 January 2015

16,030

394,307

151,240

 

 

1,964

563,540

Foreign exchange differences

–27

–29

310

 

 

–1

252

Portfolio changes

–324

–13,237

3,167

 

 

 

–10,395

Additions

 

3,978

 

 

 

215

4,194

Disposals

 

–27,442

 

 

 

–624

–28,067

Premiums written

46,745

 

 

 

 

 

46,745

Premiums earned

–40,462

 

 

 

 

 

–40,462

Claims reporting year

 

 

59,163

 

 

 

59,163

Claims payments reporting year

 

 

–8,761

 

 

 

–8,761

Change in claims previous years

 

 

1,047

 

 

 

1,047

Claims payments previous years

 

 

–38,291

 

 

 

–38,291

As at 31 December 2015

21,962

357,577

167,874

 

 

1,553

548,966

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 technical provisions

Total

Figures in € thousand

Property and casualty insurance

 

 

 

 

 

 

 

As at 1 January 2015

591,435

12,431

2,102,860

35,468

952

14,704

2,757,850

Foreign exchange differences

–2,239

2

723

–1

14

150

–1,352

Portfolio changes

187

 

–803

 

 

 

–617

Additions

 

17

 

108

1,760

1,403

3,288

Disposals

 

–119

 

–8,392

–1,571

–2,227

–12,309

Premiums written

1,643,710

 

 

 

 

 

1,643,710

Premiums earned

–1,638,195

 

 

 

 

 

–1,638,195

Claims reporting year

 

 

1,376,992

 

 

 

1,376,992

Claims payments reporting year

 

 

–650,301

 

 

 

–650,301

Change in claims previous years

 

 

10,474

 

 

 

10,474

Claims payments previous years

 

 

–619,931

 

 

 

–619,931

As at 31 December 2015

594,897

12,330

2,220,013

27,183

1,155

14,031

2,869,608

 

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

 

As at 1 January 2015

19,176

2,435,979

165,179

10,823

44,652

989

2,676,798

Foreign exchange differences

–261

132

149

–1

0

37

57

Portfolio changes

40

 

 

 

 

 

40

Additions

 

124,640

 

10,910

1

284

135,835

Disposals

 

122

 

–8,922

–17,436

–98

–26,334

Premiums written

935,456

 

 

 

 

 

935,456

Premiums earned

–935,412

 

 

 

 

 

–935,412

Claims reporting year

 

 

663,881

 

 

 

663,881

Claims payments reporting year

 

 

–478,132

 

 

 

–478,132

Change in claims previous years

 

 

–3,651

 

 

 

–3,651

Claims payments previous years

 

 

–189,531

 

 

 

–189,531

As at 31 December 2015

18,998

2,560,873

157,895

12,811

27,218

1,212

2,779,007

 

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

 

As at 1 January 2015

 

13,930,583

165,565

3,452

1,095,678

26,603

15,221,880

Foreign exchange differences

 

–8,086

23

–1

41

–4

–8,028

Portfolio changes

 

31,591

244

 

–18,130

 

13,705

Additions

 

621,994

 

38

–1,634

8,840

629,237

Disposals

 

–871,761

 

 

–87,213

–7,033

–966,007

Claims reporting year

 

 

1,962,743

 

 

 

1,962,743

Claims payments reporting year

 

 

–1,772,412

 

 

 

–1,772,412

Change in claims previous years

 

 

32,041

 

 

 

32,041

Claims payments previous years

 

 

–210,668

 

 

 

–210,668

As at 31 December 2015

 

13,704,320

177,535

3,489

988,743

28,405

14,902,491

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

As at 1 January 2015

610,611

16,378,992

2,433,604

49,743

1,141,282

42,296

20,656,528

Foreign exchange differences

–2,500

–7,952

894

–2

55

183

–9,323

Portfolio changes

227

31,591

–559

 

–18,130

 

13,128

Additions

 

746,651

 

11,056

127

10,527

768,361

Disposals

 

–871,758

 

–17,313

–106,220

–9,358

–1,004,649

Premiums written

2,579,165

 

 

 

 

 

2,579,165

Premiums earned

–2,573,607

 

 

 

 

 

–2,573,607

Claims reporting year

 

 

4,003,615

 

 

 

4,003,615

Claims payments reporting year

 

 

–2,900,846

 

 

 

–2,900,846

Change in claims previous years

 

 

38,864

 

 

 

38,864

Claims payments previous years

 

 

–1,020,130

 

 

 

–1,020,130

As at 31 December 2015

613,895

16,277,523

2,555,443

43,483

1,017,115

43,648

20,551,107

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