22. Insurance provision

In € thousand

31/12/2016

31/12/2015

Property and casualty insurance

 

 

Gross

12,273

12,344

Reinsurers’ share

–13

–14

 

12,260

12,330

Health insurance

 

 

Gross

2,660,066

2,561,667

Reinsurers’ share

–995

–794

 

2,659,072

2,560,873

Life insurance

 

 

Gross

10,774,952

14,289,078

Reinsurers’ share

–141,556

–356,769

 

10,633,396

13,932,309

Total

 

 

Gross

13,447,291

16,863,089

Reinsurers’ share

–142,563

–357,577

Total

13,304,728

16,505,512

The interest rates used as an accounting basis were as follows:

For

In per cent

Health insurance acc. to SFAS 60

Life insurance acc. to SFAS 120

2016

 

 

For insurance provision

1.50 – 5.50

0.00 – 4.00

For deferred acquisition costs

1.50 – 5.50

2.50 – 3.12

 

 

 

2015

 

 

For insurance provision

2.25 – 5.50

0.00 – 4.00

For deferred acquisition costs

2.25 – 5.50

3.33 – 3.56