UNIQA Group Report 2011 - 23. Technical provisions

Enlarge table

Gross	Provision for unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds	Provision for profit-related premium refunds and / or policyholder profit participation	Other actuarial provisions	Group total
Figures in € thousand
Property and casualty
As at 31 Dec. 2010	581,427	38,336	2,095,287	31,024	7,760	23,228	2,777,061
Exchange rate differences	–17,002	–1,029	–24,378	–139	–11	–791	–43,350
Change in consolidation scope	0		0				0
Portfolio changes	436					0	436
Additions		1,104		2,276	906	27,746	32,032
Disposals		–2,146		–976	–1,538	–24,137	–28,798
Premiums written	1,796,098						1,796,098
Premiums earned	–1,764,452						–1,764,452
Claims in reporting year			1,735,237				1,735,237
Claims payments in reporting year			–897,361				–897,361
Change in claims from previous years			–61,380				–61,380
Claims payments in previous years			–689,691				–689,691
As at 31 Dec. 2011	596,506	36,264	2,157,714	32,185	7,117	26,047	2,855,832

Health
As at 31 Dec. 2010	17,220	2,535,051	172,834	16,578	50,092	548	2,792,323
Exchange rate differences	–156	–42	–76	–26		–4	–305
Change in consolidation scope							0
Portfolio changes	57		167			–3	220
Additions		167,950		2,784	14,911	44	185,689
Disposals		–8,355		–2,073	–1,509	–11	–11,947
Premiums written	834,119						834,119
Premiums earned	–831,711						–831,711
Claims in reporting year			662,879				662,879
Claims payments in reporting year			–509,582				–509,582
Change in claims from previous years			–19,836				–19,836
Claims payments in previous years			–129,216				–129,216
As at 31 Dec. 2011	19,528	2,694,604	177,169	17,264	63,495	574	2,972,634

Life
As at 31 Dec. 2010	0	13,906,519	124,393	1,869	112,060	23,696	14,168,537
Exchange rate differences		–23,135	–672	–37	–277	–447	–24,568
Change in consolidation scope		0	0				0
Portfolio changes		181,114	1,050		0	1,842	184,006
Additions		128,652		331	54,505	3,828	187,316
Disposals		–217,768		–79	–229,113	–5,558	–452,518
Premiums written							0
Premiums earned							0
Claims in reporting year			1,529,141				1,529,141
Claims payments in reporting year			–1,453,923				–1,453,923
Change in claims from previous years			48,483				48,483
Claims payments in previous years			–126,829				–126,829
As at 31 Dec. 2011	0	13,975,382	121,645	2,084	–62,826	23,362	14,059,647

Group total
As at 31 Dec. 2010	598,646	16,479,906	2,392,514	49,472	169,912	47,472	19,737,921
Exchange rate differences	–17,158	–24,207	–25,126	–202	–288	–1,242	–68,224
Change in consolidation scope	0	0	0				0
Portfolio changes	493	181,114	1,216		0	1,839	184,662
Additions		297,706		5,392	70,322	31,619	405,038
Disposals		–228,269		–3,128	–232,160	–29,705	–493,262
Premiums written	2,630,217						2,630,217
Premiums earned	–2,596,164						–2,596,164
Claims in reporting year			3,927,257				3,927,257
Claims payments in reporting year			–2,860,866				–2,860,866
Change in claims from previous years			–32,732				–32,732
Claims payments in previous years			–945,736				–945,736
As at 31 Dec. 2011	616,034	16,706,249	2,456,527	51,533	7,786	49,982	19,888,112

Enlarge table

Reinsurers’ share	Provision for unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds	Provision for profit-related premium refunds and / or policyholder profit participation	Other actuarial provisions	Group total
Figures in € thousand
Property and casualty
As at 31 Dec. 2010	20,933	376	223,336	33	0	3,168	247,845
Exchange rate differences	117	–18	–1,448			–182	–1,530
Change in consolidation scope	0		0				0
Portfolio changes	–323		–62				–385
Additions		31		0		559	591
Disposals		0		–29		–897	–926
Premiums written	109,670						109,670
Premiums earned	–115,045						–115,045
Claims in reporting year			29,839				29,839
Claims payments in reporting year			–14,320				–14,320
Change in claims from previous years			–3,402				–3,402
Claims payments in previous years			–40,194				–40,194
As at 31 Dec. 2011	15,352	390	193,749	4	0	2,648	212,143

Health
As at 31 Dec. 2010	1,305	1,323	555	0	0	0	3,183
Exchange rate differences	15		–4				11
Change in consolidation scope							0
Portfolio changes							0
Additions							0
Disposals		–119					–119
Premiums written	5,159						5,159
Premiums earned	–3,290						–3,290
Claims in reporting year			13				13
Claims payments in reporting year			–519				–519
Change in claims from previous years			–6				–6
Claims payments in previous years			–9				–9
As at 31 Dec. 2011	3,190	1,204	30	0	0	0	4,424

Life
As at 31 Dec. 2010	0	447,009	16,084	0	0	–163	462,930
Exchange rate differences		–21	–22	0			–43
Change in consolidation scope		0					0
Portfolio changes		–1,634	1,168				–466
Additions		9,237				4	9,241
Disposals		–351		0		5	–346
Premiums written							0
Premiums earned							0
Claims in reporting year			25,407				25,407
Claims payments in reporting year			–20,965				–20,965
Change in claims from previous years			–2,023				–2,023
Claims payments in previous years			–6,156				–6,156
As at 31 Dec. 2011	0	454,241	13,493	0	0	–154	467,579

Group total
As at 31 Dec. 2010	22,238	448,708	239,974	33	0	3,005	713,959
Exchange rate differences	133	–39	–1,475	0		–182	–1,562
Change in consolidation scope	0	0	0				0
Portfolio changes	–323	–1,634	1,106				–850
Additions		9,269		0		563	9,832
Disposals		–470		–29		–893	–1,391
Premiums written	114,829						114,829
Premiums earned	–118,335						–118,335
Claims in reporting year			55,260				55,260
Claims payments in reporting year			–35,805				–35,805
Change in claims from previous years			–5,431				–5,431
Claims payments in previous years			–46,359				–46,359
As at 31 Dec. 2011	18,542	455,835	207,271	4	0	2,494	684,146

Enlarge table

Retention	Provision for unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds	Provision for profit-related premium refunds and / or policyholder profit participation	Other actuarial provisions	Group total
Figures in € thousand
Property and casualty
As at 31 Dec. 2010	560,494	37,959	1,871,952	30,991	7,760	20,060	2,529,216
Exchange rate differences	–17,118	–1,012	–22,930	–139	–11	–609	–41,819
Change in consolidation scope	0		0				0
Portfolio changes	759		62			0	820
Additions		1,073		2,276	906	27,187	31,441
Disposals		–2,146		–948	–1,538	–23,240	–27,872
Premiums written	1,686,428						1,686,428
Premiums earned	–1,649,407						–1,649,407
Claims in reporting year			1,705,398				1,705,398
Claims payments in reporting year			–883,040				–883,040
Change in claims from previous years			–57,977				–57,977
Claims payments in previous years			–649,498				–649,498
As at 31 Dec. 2011	581,155	35,874	1,963,965	32,181	7,117	23,398	2,643,690

Health
As at 31 Dec. 2010	15,914	2,533,728	172,279	16,578	50,092	548	2,789,139
Exchange rate differences	–172	–42	–72	–26		–4	–316
Change in consolidation scope							0
Portfolio changes	57		167			–3	220
Additions		167,950		2,784	14,911	44	185,689
Disposals		–8,236		–2,073	–1,509	–11	–11,828
Premiums written	828,960						828,960
Premiums earned	–828,421						–828,421
Claims in reporting year			662,866				662,866
Claims payments in reporting year			–509,063				–509,063
Change in claims from previous years			–19,829				–19,829
Claims payments in previous years			–129,207				–129,207
As at 31 Dec. 2011	16,338	2,693,400	177,139	17,264	63,495	574	2,968,210

Life
As at 31 Dec. 2010	0	13,459,510	108,309	1,869	112,060	23,858	13,705,607
Exchange rate differences		–23,114	–650	–37	–277	–447	–24,525
Change in consolidation scope		0	0				0
Portfolio changes		182,747	–118		0	1,842	184,471
Additions		119,415		331	54,505	3,825	178,075
Disposals		–217,417		–79	–229,113	–5,562	–452,172
Premiums written							0
Premiums earned							0
Claims in reporting year			1,503,734				1,503,734
Claims payments in reporting year			–1,432,957				–1,432,957
Change in claims from previous years			50,506				50,506
Claims payments in previous years			–120,672				–120,672
As at 31 Dec. 2011	0	13,521,141	108,152	2,084	–62,826	23,516	13,592,067

Group total
As at 31 Dec. 2010	576,408	16,031,197	2,152,539	49,439	169,912	44,467	19,023,962
Exchange rate differences	–17,290	–24,168	–23,651	–202	–288	–1,060	–66,660
Change in consolidation scope	0	0	0				0
Portfolio changes	816	182,747	110		0	1,839	185,512
Additions		288,437		5,392	70,322	31,055	395,206
Disposals		–227,799		–3,099	–232,160	–28,813	–491,871
Premiums written	2,515,388						2,515,389
Premiums earned	–2,477,828						–2,477,828
Claims in reporting year			3,871,998				3,871,998
Claims payments in reporting year			–2,825,061				–2,825,061
Change in claims from previous years			–27,301				–27,301
Claims payments in previous years			–899,377				–899,377
As at 31 Dec. 2011	597,492	16,250,414	2,249,256	51,529	7,786	47,488	19,203,966