32. Insurance benefits

 

Gross

Reinsurers’ share

Net

In € thousand

1-12/2016

1-12/2015

1-12/2016

1-12/2015

1-12/2016

1-12/2015

Property and casualty insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

1,449,961

1,472,667

–54,383

–58,938

1,395,578

1,413,729

Change in provision for unsettled claims

127,253

123,135

–3,756

–16,650

123,496

106,485

Total

1,577,214

1,595,802

–58,140

–75,589

1,519,074

1,520,214

Change in insurance provision

–379

–240

1

100

–377

–140

Change in other technical provisions

–464

–848

0

0

–464

–848

Non-profit related and profit-related premium refund expenses

32,361

34,458

0

0

32,361

34,458

Total benefits

1,608,732

1,629,173

–58,138

–75,489

1,550,593

1,553,683

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

664,665

648,021

–275

–324

664,390

647,697

Change in provision for unsettled claims

10,207

1,065

–559

1

9,648

1,066

Total

674,872

649,086

–834

–323

674,038

648,763

Change in insurance provision

125,983

121,945

84

92

126,067

122,037

Change in other technical provisions

–564

207

0

0

–564

207

Non-profit related and profit-related premium refund expenses

44,030

10,715

0

0

44,030

10,715

Total benefits

844,321

781,953

–750

–232

843,571

781,721

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

1,724,173

2,131,135

–26,453

–24,750

1,697,720

2,106,385

Change in provision for unsettled claims

–22,440

–25,413

230

–925

–22,210

–26,338

Total

1,701,732

2,105,722

–26,222

–25,674

1,675,510

2,080,048

Change in insurance provision

–698,099

–800,636

–7,571

–13,650

–705,669

–814,286

Change in other technical provisions

–4

869

0

0

–4

869

Non-profit related and profit-related premium refund expenses and/or (deferred) benefit participation expenses

21,564

69,272

0

0

21,564

69,272

Total benefits

1,025,194

1,375,227

–33,793

–39,324

991,401

1,335,903

 

 

 

 

 

 

 

Total

3,478,247

3,786,352

–92,681

–115,045

3,385,566

3,671,307