8. Insurance benefits

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In € thousand	Gross		Reinsurers’ share		Net
In € thousand	1–12/2018	1–12/2017 adjusted	1–12/2018	1–12/2017	1–12/2018	1–12/2017 adjusted
Property and casualty insurance
Claims expenses
Claims paid	1,675,648	1,567,200	–41,371	–40,848	1,634,277	1,526,352
Change in provision for unsettled claims	115,482	71,257	–100,800	7,715	14,682	78,972
Total	1,791,129	1,638,456	–142,171	–33,133	1,648,959	1,605,323
Change in insurance provision	134	318	–10	1	123	318
Change in other technical provisions	–3,035	–396	0	0	–3,035	–396
Non-profit related and profit-related premium refund expenses	44,026	39,592	0	0	44,026	39,592
Total benefits	1,832,254	1,677,970	–142,181	–33,132	1,690,073	1,644,837

Health insurance
Claims expenses
Claims paid	721,151	700,202	–1,283	–2,490	719,869	697,711
Change in provision for unsettled claims	17,584	6,597	–378	550	17,206	7,148
Total	738,735	706,799	–1,661	–1,940	737,074	704,859
Change in insurance provision	133,192	136,173	68	–199	133,260	135,974
Change in other technical provisions	–9	4	0	0	–9	4
Non-profit related and profit-related premium refund expenses	30,524	36,774	0	0	30,524	36,774
Total benefits	902,442	879,750	–1,593	–2,139	900,849	877,611

Life insurance
Claims expenses
Claims paid	1,211,405	1,617,125	–24,854	–25,075	1,186,551	1,592,050
Change in provision for unsettled claims	31,699	29,858	368	–671	32,067	29,187
Total	1,243,104	1,646,983	–24,485	–25,746	1,218,618	1,621,237
Change in insurance provision	–215,945	–633,129	1,813	–3,110	–214,132	–636,238
Change in other technical provisions	0	0	0	–200	0	–200
Non-profit related and profit-related premium refund expenses and/or (deferred) benefit participation expenses	31,234	40,163	0	0	31,234	40,163
Total benefits	1,058,393	1,054,017	–22,673	–29,056	1,035,721	1,024,962

Total	3,793,089	3,611,736	–166,447	–64,327	3,626,642	3,547,410