25. Technical provisions - UNIQA Group Report 2016

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Gross
In € thousand	Unearned premiums	Insurance provision	Provision for unsettled claims	Provision for non-profit related premium refunds	Provision for profit-related premium refunds and/or policyholder profit participation	Other technical provisions	Total
Property and casualty insurance
At 1 January 2016	616,780	12,344	2,371,658	27,183	1,155	15,761	3,044,881
Foreign exchange differences	–4,580	219	–8,232	22	6	–5	–12,569
Portfolio changes	–267		–114				–382
Additions		–172		195	246	1,518	1,787
Disposals		–117		–584	–9	–2,178	–2,889
Premiums written	2,027,046						2,027,046
Premiums earned	–1,998,097						–1,998,097
Claims reporting year			1,749,254				1,749,254
Claims payments reporting year			–844,986				–844,986
Change in claims previous years			–41,929				–41,929
Claims payments previous years			–736,593				–736,593
Reclassifications held for sale	–99,180		–201,558				–300,738
At 31 December 2016	541,701	12,273	2,287,500	26,815	1,399	15,096	2,884,784

Health insurance
At 1 January 2016	19,077	2,561,667	157,917	12,811	27,218	1,212	2,779,902
Foreign exchange differences	–56	66	–12	6	0	4	8
Additions		128,463		7,240	37,011	–9	172,705
Disposals		137		–9,374	–19,608	–645	–29,490
Premiums written	968,409						968,409
Premiums earned	–966,594						–966,594
Claims reporting year			699,034				699,034
Claims payments reporting year			–494,457				–494,457
Change in claims previous years			–8,867				–8,867
Claims payments previous years			–185,169				–185,169
Reclassifications held for sale	–13,056	–30,267	–10,243				–53,565
At 31 December 2016	7,780	2,660,066	158,203	10,684	44,621	561	2,881,916

Life insurance
At 1 January 2016		14,289,078	193,741	3,489	988,743	28,228	15,503,278
Foreign exchange differences		31,337	395	5	708	52	32,497
Change in basis of consolidation
Portfolio changes		27,731			–13,716		14,015
Additions		810,208		324	163,804	61	974,398
Disposals		–797,170		104	–16,553	–1,320	–814,938
Claims reporting year			2,148,364				2,148,364
Claims payments reporting year			–1,937,182				–1,937,182
Change in claims previous years			47,002				47,002
Claims payments previous years			–265,675				–265,675
Reclassifications held for sale		–3,586,232	–46,800		–203,967	–22,227	–3,859,226
At 31 December 2016		10,774,952	139,844	3,923	919,019	4,795	11,842,533

Total
At 1 January 2016	635,857	16,863,089	2,723,316	43,483	1,017,115	45,201	21,328,061
Foreign exchange differences	–4,636	31,622	–7,849	33	714	51	19,936
Change in basis of consolidation						0	0
Portfolio changes	–267	27,731	–114		–13,716		13,633
Additions		938,499		7,759	201,061	1,570	1,148,890
Disposals		–797,150		–9,854	–36,169	–4,143	–847,317
Premiums written	2,995,454						2,995,454
Premiums earned	–2,964,691						–2,964,691
Claims reporting year			4,596,651				4,596,651
Claims payments reporting year			–3,276,624				–3,276,624
Change in claims previous years			–3,794				–3,794
Claims payments previous years			–1,187,437				–1,187,437
Reclassifications held for sale	–112,236	–3,616,499	–258,601		–203,967	–22,227	–4,213,530
At 31 December 2016	549,482	13,447,291	2,585,547	41,422	965,038	20,452	17,609,233

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Reinsurers’ share
In € thousand	Unearned premiums	Insurance provision	Provision for unsettled claims	Provision for non-profit related premium refunds	Provision for profit-related premium refunds and/or policyholder profit participation	Other technical provisions	Total
Property and casualty insurance
At 1 January 2016	21,883	14	151,645			1,730	175,272
Foreign exchange differences	–158	0	–1,468			13	–1,612
Change in basis of consolidation
Portfolio changes	–65		–506				–571
Additions						415	415
Disposals		–1					–1
Premiums written	43,983						43,983
Premiums earned	–41,170						–41,170
Claims reporting year			61,967				61,967
Claims payments reporting year			–16,563				–16,563
Change in claims previous years			–4,291				–4,291
Claims payments previous years			–36,515				–36,515
Reclassifications held for sale	–1,452		–3,043				–4,495
At 31 December 2016	23,021	13	151,227			2,158	176,419

Health insurance
At 1 January 2016	79	794	22				895
Foreign exchange differences	1		0				1
Portfolio changes
Additions		285					285
Disposals		–84					–84
Premiums written	248						248
Premiums earned	–45						–45
Claims reporting year			639				639
Claims payments reporting year			–104				–104
Change in claims previous years			187				187
Claims payments previous years			–163				–163
Reclassifications held for sale	–2						–2
At 31 December 2016	281	995	582				1,857

Life insurance
At 1 January 2016		356,769	16,206			–177	372,798
Foreign exchange differences		37	2			0	39
Change in basis of consolidation
Portfolio changes		–1,206	54				–1,152
Additions		–728				10	–718
Disposals		–24,459				–12	–24,471
Claims reporting year			26,706				26,706
Claims payments reporting year			–17,053				–17,053
Change in claims previous years			7,028				7,028
Claims payments previous years			–14,648				–14,648
Reclassifications held for sale		–188,857	–13,506				–202,363
At 31 December 2016		141,556	4,789			–178	146,166

Total
At 1 January 2016	21,962	357,577	167,874			1,553	548,965
Foreign exchange differences	–157	37	–1,465			13	–1,571
Change in basis of consolidation
Portfolio changes	–65	–1,206	–452				–1,723
Additions		–443				425	–18
Disposals		–24,544				–12	–24,556
Premiums written	44,231						44,231
Premiums earned	–41,215						–41,215
Claims reporting year			89,311				89,311
Claims payments reporting year			–33,720				–33,720
Change in claims previous years			2,923				2,923
Claims payments previous years			–51,325				–51,325
Reclassifications held for sale	–1,454	–188,857	–16,549				–206,860
At 31 December 2016	23,302	142,563	156,598			1,980	324,443

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Net
In € thousand	Unearned premiums	Insurance provision	Provision for unsettled claims	Provision for non-profit related premium refunds	Provision for profit-related premium refunds and/or policyholder profit participation	Other technical provisions	Total
Property and casualty insurance
At 1 January 2016	594,897	12,330	2,220,013	27,183	1,155	14,031	2,869,609
Foreign exchange differences	–4,422	218	–6,764	22	6	–18	–10,957
Portfolio changes	–202		391				190
Additions		–172		195	246	1,103	1,372
Disposals		–116		–584	–9	–2,178	–2,888
Premiums written	1,983,063						1,983,063
Premiums earned	–1,956,927						–1,956,927
Claims reporting year			1,687,286				1,687,286
Claims payments reporting year			–828,423				–828,423
Change in claims previous years			–37,638				–37,638
Claims payments previous years			–700,078				–700,078
Reclassifications held for sale	–97,728		–198,515				–296,243
At 31 December 2016	518,681	12,260	2,136,273	26,815	1,399	12,937	2,708,366

Health insurance
At 1 January 2016	18,998	2,560,873	157,895	12,811	27,218	1,212	2,779,007
Foreign exchange differences	–57	66	–13	6	0	4	6
Portfolio changes
Additions		128,179		7,240	37,011	–9	172,420
Disposals		221		–9,374	–19,608	–645	–29,406
Premiums written	968,161						968,161
Premiums earned	–966,549						–966,549
Claims reporting year			698,396				698,396
Claims payments reporting year			–494,352				–494,352
Change in claims previous years			–9,054				–9,054
Claims payments previous years			–185,007				–185,007
Reclassifications held for sale	–13,054	–30,267	–10,243				–53,564
At 31 December 2016	7,499	2,659,072	157,622	10,684	44,621	561	2,880,058

Life insurance
At 1 January 2016		13,932,309	177,535	3,489	988,743	28,405	15,130,480
Foreign exchange differences		31,300	393	5	708	52	32,458
Portfolio changes		28,937	–54		–13,716		15,167
Additions		810,935		324	163,804	51	975,115
Disposals		–772,711		104	–16,553	–1,308	–790,467
Claims reporting year			2,121,658				2,121,658
Claims payments reporting year			–1,920,129				–1,920,129
Change in claims previous years			39,974				39,974
Claims payments previous years			–251,028				–251,028
Reclassifications held for sale		–3,397,374	–33,295		–203,967	–22,227	–3,656,863
At 31 December 2016		10,633,396	135,055	3,923	919,019	4,974	11,696,366

Total
At 1 January 2016	613,895	16,505,512	2,555,443	43,483	1,017,115	43,648	20,779,096
Foreign exchange differences	–4,479	31,584	–6,384	33	714	38	21,507
Portfolio changes	–202	28,937	337		–13,716		15,356
Additions		938,942		7,759	201,061	1,144	1,148,908
Disposals		–772,606		–9,854	–36,169	–4,131	–822,761
Premiums written	2,951,223						2,951,223
Premiums earned	–2,923,476						–2,923,476
Claims reporting year			4,507,340				4,507,340
Claims payments reporting year			–3,242,904				–3,242,904
Change in claims previous years			–6,718				–6,718
Claims payments previous years			–1,136,112				–1,136,112
Reclassifications held for sale	–110,782	–3,427,641	–242,053		–203,967	–22,227	–4,006,670
At 31 December 2016	526,180	13,304,728	2,428,950	41,422	965,038	18,472	17,284,790