23. Technical provisions


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

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

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

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