8. Insurance benefits

In € thousand

Gross

Reinsurers’ share

Net

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