8. Insurance benefits

In € thousand

Gross

Reinsurers’ share

Net

1–12/2017

1–12/2016

1–12/2017

1–12/2016

1–12/2017

1–12/2016

Property and casualty insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

1,567,200

1,449,961

–40,848

–54,383

1,526,352

1,395,578

Change in provision for unsettled claims

71,257

127,253

7,715

–3,756

78,972

123,496

Total

1,638,456

1,577,214

–33,133

–58,140

1,605,323

1,519,074

Change in insurance provision

318

–379

1

1

318

–377

Change in other technical provisions

–396

–464

0

0

–396

–464

Non-profit related and profit-related premium refund expenses

39,592

32,361

0

0

39,592

32,361

Total benefits

1,677,970

1,608,732

–33,132

–58,138

1,644,837

1,550,593

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

700,202

664,665

–2,490

–275

697,711

664,390

Change in provision for unsettled claims

6,597

10,207

550

–559

7,148

9,648

Total

706,799

674,872

–1,940

–834

704,859

674,038

Change in insurance provision

136,173

125,983

–199

84

135,974

126,067

Change in other technical provisions

4

–564

0

0

4

–564

Non-profit related and profit-related premium refund expenses

36,774

44,030

0

0

36,774

44,030

Total benefits

879,750

844,321

–2,139

–750

877,611

843,571

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

1,617,125

1,724,173

–25,075

–26,453

1,592,050

1,697,720

Change in provision for unsettled claims

29,858

–22,440

–671

230

29,187

–22,210

Total

1,646,983

1,701,732

–25,746

–26,222

1,621,237

1,675,510

Change in insurance provision

–633,129

–698,099

–3,110

–7,571

–636,238

–705,669

Change in other technical provisions

0

–4

–200

0

–200

–4

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

51,403

21,564

0

0

51,403

21,564

Total benefits

1,065,257

1,025,194

–29,056

–33,793

1,036,201

991,401

 

 

 

 

 

 

 

Total

3,622,976

3,478,247

–64,327

–92,681

3,558,650

3,385,566