UNIQA Group Report 2012 - 23. Technical provisions

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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	Provision for unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds		Other actuarial provisions	Group total
Property and casualty
As at 31.12.2011	596,506	36,264	2,157,714	32,185	7,117	26,047	2,855,832
Exchange rate differences	16,086	685	15,517	80	12	436	32,816
Change in consolidation scope	–81,417	–23,609	–214,762	–2,462	–6,271	–3,879	–332,400
Portfolio changes	1,604					0	1,604
Additions		743		2,246	2,592	31,584	37,165
Disposals		–1,773		–156	–2,470	–31,588	–35,988
Premiums written	2,058,679						2,058,679
Premiums earned	–1,995,305						–1,995,305
Claims in reporting year			1,527,103				1,527,103
Claims payments in reporting year			–764,922				–764,922
Change in claims from previous years			–69,247				–69,247
Claims payments in previous years			–594,452				–594,452
As at 31.12.2012	596,152	12,310	2,056,950	31,893	981	22,600	2,720,885

Health
As at 31.12.2011	19,528	2,694,604	177,169	17,264	63,495	574	2,972,634
Exchange rate differences	29	62	146	20	0	2	258
Change in consolidation scope	–2,521	–616,270	–21,544	–4,728	–23,058		–668,121
Portfolio changes	170		2,404			–6	2,569
Additions		149,804		1,405	6,968	315	158,492
Disposals		–8,533		–3,662	–3,478	0	–15,673
Premiums written	872,715						872,715
Premiums earned	–868,906						–868,906
Claims in reporting year			654,152				654,152
Claims payments in reporting year			–493,800				–493,800
Change in claims from previous years			–11,242				–11,242
Claims payments in previous years			–138,936				–138,936
As at 31.12.2012	21,014	2,219,667	168,349	10,298	43,927	885	2,464,140

Life
As at 31.12.2011	0	13,975,382	121,645	2,084	–62,826	23,362	14,059,646
Exchange rate differences		12,387	658	17	27	233	13,321
Change in consolidation scope		–60,789	–3,810		–628		–65,227
Portfolio changes		48,019	10		0	1,559	49,588
Additions		103,051		290	644,086	4,115	751,541
Disposals		–151,837		–3	–69,348	–3,824	–225,013
Premiums written							0
Premiums earned							0
Claims in reporting year			1,706,850				1,706,850
Claims payments in reporting year			–1,610,987				–1,610,987
Change in claims from previous years			48,592				48,592
Claims payments in previous years			–122,416				–122,416
As at 31.12.2012	0	13,926,212	140,542	2,388	511,310	25,444	14,605,896

Group total
As at 31.12.2011	616,034	16,706,249	2,456,527	51,533	7,786	49,982	19,888,111
Exchange rate differences	16,114	13,134	16,320	117	40	671	46,396
Change in consolidation scope	–83,939	–700,668	–240,116	–7,190	–29,957	–3,879	–1,065,749
Portfolio changes	1,774	48,019	2,414		0	1,554	53,761
Additions		253,598		3,941	653,646	36,015	947,199
Disposals		–162,143		–3,822	–75,296	–35,413	–276,674
Premiums written	2,931,394						2,931,394
Premiums earned	–2,864,212						–2,864,212
Claims in reporting year			3,888,106				3,888,106
Claims payments in reporting year			–2,869,709				–2,869,709
Change in claims from previous years			–31,897				–31,897
Claims payments in previous years			–855,804				–855,804
As at 31.12.2012	617,165	16,158,189	2,365,841	44,578	556,218	48,929	19,790,921

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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	Provision for unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds		Other actuarial provisions	Group total
Property and casualty
As at 31.12.2011	15,352	390	193,749	4	0	2,648	212,143
Exchange rate differences	–41	0	1,009			46	1,014
Change in consolidation scope	–392		–32,088	–15		–8	–32,503
Portfolio changes	151		16				167
Additions		0		11		25	36
Disposals		–19		0		–756	–775
Premiums written	117,321						117,321
Premiums earned	–123,140						–123,140
Claims in reporting year			32,012				32,012
Claims payments in reporting year			–8,537				–8,537
Change in claims from previous years			9,451				9,451
Claims payments in previous years			–47,301				–47,301
As at 31.12.2012	9,250	371	148,311	0	0	1,955	159,887

Health
As at 31.12.2011	3,190	1,204	30	0	0	0	4,424
Exchange rate differences	–74		2				–72
Change in consolidation scope	–39						–39
Portfolio changes							0
Additions							0
Disposals		–113					–113
Premiums written	2,503						2,503
Premiums earned	–4,960						–4,960
Claims in reporting year			2				2
Claims payments in reporting year			–3				–3
Change in claims from previous years			–1				–1
Claims payments in previous years			–2				–2
As at 31.12.2012	619	1,091	27	0	0	0	1,737

Life
As at 31.12.2011	0	454,241	13,493	0	0	–154	467,579
Exchange rate differences		17	14	0			31
Change in consolidation scope		–7,567	–2,896				–10,464
Portfolio changes		–14,641	586				–14,056
Additions		2,946				35	2,982
Disposals		–2,079		0		0	–2,079
Premiums written							0
Premiums earned							0
Claims in reporting year			20,322				20,322
Claims payments in reporting year			–16,662				–16,662
Change in claims from previous years			173				173
Claims payments in previous years			–3,603				–3,603
As at 31.12.2012	0	432,917	11,425	0	0	–119	444,223

Group total
As at 31.12.2011	18,542	455,835	207,271	4	0	2,494	684,145
Exchange rate differences	–115	17	1,025	0		46	973
Change in consolidation scope	–432	–7,567	–34,984	–15		–8	–43,006
Portfolio changes	151	–14,641	601				–13,889
Additions		2,946		11		60	3,017
Disposals		–2,210		0		–756	–2,967
Premiums written	119,823						119,823
Premiums earned	–128,101						–128,101
Claims in reporting year			52,336				52,336
Claims payments in reporting year			–25,203				–25,203
Change in claims from previous years			9,623				9,623
Claims payments in previous years			–50,906				–50,906
As at 31.12.2012	9,869	434,379	159,763	0	0	1,836	605,847

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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	Provision for unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds		Other actuarial provisions	Group total
Property and casualty
As at 31.12.2011	581,154	35,874	1,963,965	32,181	7,117	23,398	2,643,689
Exchange rate differences	16,128	685	14,507	80	12	390	31,803
Change in consolidation scope	–81,025	–23,609	–182,674	–2,447	–6,271	–3,871	–299,897
Portfolio changes	1,453		–16	0		0	1,437
Additions		743		2,235	2,592	31,560	37,129
Disposals		–1,754		–156	–2,470	–30,832	–35,213
Premiums written	1,941,358						1,941,358
Premiums earned	–1,872,165						–1,872,165
Claims in reporting year			1,495,091				1,495,091
Claims payments in reporting year			–756,385				–756,385
Change in claims from previous years			–78,697				–78,697
Claims payments in previous years			–547,151				–547,151
As at 31.12.2012	586,903	11,939	1,908,640	31,893	981	20,645	2,560,999

Health
As at 31.12.2011	16,338	2,693,400	177,139	17,264	63,495	574	2,968,210
Exchange rate differences	102	62	144	20	0	2	330
Change in consolidation scope	–2,482	–616,270	–21,544	–4,728	–23,058		–668,082
Portfolio changes	170		2,404	0	0	–6	2,569
Additions		149,804		1,405	6,968	315	158,492
Disposals		–8,420		–3,662	–3,478	0	–15,560
Premiums written	870,212						870,212
Premiums earned	–863,946						–863,946
Claims in reporting year			654,150				654,150
Claims payments in reporting year			–493,797				–493,797
Change in claims from previous years			–11,242				–11,242
Claims payments in previous years			–138,934				–138,934
As at 31.12.2012	20,395	2,218,575	168,322	10,298	43,927	885	2,462,403

Life
As at 31.12.2011	0	13,521,141	108,152	2,084	–62,826	23,516	13,592,067
Exchange rate differences		12,369	644	17	27	233	13,290
Change in consolidation scope		–53,222	–914	0	–628		–54,764
Portfolio changes		62,660	–576	0	0	1,559	63,643
Additions		100,105		290	644,086	4,079	748,560
Disposals		–149,758		–3	–69,348	–3,824	–222,934
Premiums written							0
Premiums earned							0
Claims in reporting year			1,686,528				1,686,528
Claims payments in reporting year			–1,594,325				–1,594,325
Change in claims from previous years			48,419				48,419
Claims payments in previous years			–118,813				–118,813
As at 31.12.2012	0	13,493,296	129,116	2,388	511,310	25,563	14,161,673

Group total
As at 31.12.2011	597,493	16,250,414	2,249,257	51,529	7,786	47,488	19,203,966
Exchange rate differences	16,230	13,117	15,295	117	40	625	45,423
Change in consolidation scope	–83,507	–693,100	–205,132	–7,175	–29,957	–3,871	–1,022,742
Portfolio changes	1,623	62,660	1,813	0	0	1,554	67,649
Additions		250,652		3,929	653,646	35,954	944,181
Disposals		–159,933		–3,822	–75,296	–34,656	–273,707
Premiums written	2,811,570						2,811,571
Premiums earned	–2,736,111						–2,736,111
Claims in reporting year			3,835,770				3,835,770
Claims payments in reporting year			–2,844,506				–2,844,506
Change in claims from previous years			–41,520				–41,520
Claims payments in previous years			–804,898				–804,898
As at 31.12.2012	607,296	15,723,810	2,206,078	44,578	556,218	47,093	19,185,074