UNIQA Group Report 2013 - 23. Technical provisions

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Gross	Provisions for unearned premiums	Actuarial provisions	Provisions for outstanding claims	Provisions for profit-unrelated premium refunds	Provisions for profit-related premium refunds and /or policyholder profit participation	Other actuarial provisions	Group total
Figures in € thousand	Provisions for unearned premiums	Actuarial provisions	Provisions for outstanding claims	Provisions for profit-unrelated premium refunds		Other actuarial provisions	Group total
Property and casualty insurance
As at 31.12.2012	596,152	12,310	2,056,950	31,893	981	22,600	2,720,885
Exchange rate differences	–8,037	–230	–11,037	–25	–79	–1,164	–20,571
Change in consolidation scope	0	0	0	0	0	0	0
Portfolio changes	2,117					0	2,117
Additions		1,333		3,077	2,162	28,254	34,826
Disposals		–260		–1,296	–2,483	–30,515	–34,554
Premiums written	2,281,001						2,281,001
Premiums earned	–2,266,659						–2,266,659
Claims in reporting year			1,618,727				1,618,727
Claims payments in reporting year			–803,414				–803,414
Change in claims from previous years			–127,368				–127,368
Claims payments in previous years			–679,159				–679,159
As at 31.12.2013	604,573	13,154	2,054,700	33,648	580	19,175	2,725,831

Health insurance
As at 31.12.2012	21,014	2,219,667	168,349	10,298	43,927	885	2,464,140
Exchange rate differences	–390	–192	–240	–5	0	–2	–828
Change in consolidation scope	0	0	0	0	0		0
Portfolio changes	356		491			0	848
Additions		121,290		8,491	17,125	198	147,105
Disposals		–13,109		–8,676	–16,734	–276	–38,795
Premiums written	888,189						888,189
Premiums earned	–891,756						–891,756
Claims in reporting year			705,339				705,339
Claims payments in reporting year			–502,286				–502,286
Change in claims from previous years			–78,041				–78,041
Claims payments in previous years			–123,826				–123,826
As at 31.12.2013	17,413	2,327,656	169,787	10,108	44,319	806	2,570,088

Life insurance
As at 31.12.2012	0	13,926,212	140,542	2,388	511,310	25,444	14,605,896
Exchange rate differences		–20,154	–556	–4	–948	–80	–21,741
Change in consolidation scope		0	0		0		0
Portfolio changes		192,107	302		–17,799	732	175,343
Additions		111,555		296	87,240	13,274	212,366
Disposals		–141,103		42	–289,948	–13,169	–444,178
Premiums written							0
Premiums earned							0
Claims in reporting year			1,794,970				1,794,970
Claims payments in reporting year			–1,630,210				–1,630,210
Change in claims from previous years			34,914				34,914
Claims payments in previous years			–196,567				–196,567
As at 31.12.2013	0	14,068,618	143,395	2,723	289,855	26,201	14,530,791

Group total
As at 31.12.2012	617,165	16,158,189	2,365,841	44,578	556,218	48,929	19,790,921
Exchange rate differences	–8,427	–20,575	–11,833	–34	–1,027	–1,245	–43,141
Change in consolidation scope	0	0	0	0	0	0	0
Portfolio changes	2,474	192,107	793		–17,799	732	178,308
Additions		234,179		11,865	106,526	41,727	394,297
Disposals		–154,471		–9,930	–309,165	–43,961	–517,527
Premiums written	3,169,189						3,169,189
Premiums earned	–3,158,416						–3,158,416
Claims in reporting year			4,119,036				4,119,036
Claims payments in reporting year			–2,935,910				–2,935,910
Change in claims from previous years			–170,495				–170,495
Claims payments in previous years			–999,552				–999,552
As at 31.12.2013	621,986	16,409,428	2,367,881	46,479	334,754	46,182	19,826,710

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Reinsurers' share	Provisions for unearned premiums	Actuarial provisions	Provisions for outstanding claims	Provisions for profit-unrelated premium refunds	Provisions for profit-related premium refunds and /or policyholder profit participation	Other actuarial provisions	Group total
Figures in € thousand	Provisions for unearned premiums	Actuarial provisions	Provisions for outstanding claims	Provisions for profit-unrelated premium refunds		Other actuarial provisions	Group total
Property and casualty insurance
As at 31.12.2012	9,250	371	148,311	0	0	1,955	159,887
Exchange rate differences	–166	–7	–1,001			–7	–1,182
Change in consolidation scope	0		0	0		0	0
Portfolio changes	2,633		411				3,044
Additions		18		0		62	80
Disposals		0		0		–259	–259
Premiums written	127,919						127,919
Premiums earned	–125,043						–125,043
Claims in reporting year			70,905				70,905
Claims payments in reporting year			–44,462				–44,462
Change in claims from previous years			–23,057				–23,057
Claims payments in previous years			–38,484				–38,484
As at 31.12.2013	14,592	383	112,623	0	0	1,750	129,348

Health insurance
As at 31.12.2012	619	1,091	27	0	0	0	1,737
Exchange rate differences	–37		–1				–38
Change in consolidation scope	0						0
Portfolio changes							0
Additions							0
Disposals		–106					–106
Premiums written	2,332						2,332
Premiums earned	–2,863						–2,863
Claims in reporting year			0				0
Claims payments in reporting year			7				7
Change in claims from previous years			–1				–1
Claims payments in previous years			–1				–1
As at 31.12.2013	51	985	32	0	0	0	1,067

Life insurance
As at 31.12.2012	0	432,917	11,425	0	0	–119	444,223
Exchange rate differences		–60	–28	0			–88
Change in consolidation scope		0	0				0
Portfolio changes		–20,115	–658				–20,774
Additions		1,576				0	1,576
Disposals		–2,300		0		–27	–2,328
Premiums written							0
Premiums earned							0
Claims in reporting year			20,072				20,072
Claims payments in reporting year			–18,388				–18,388
Change in claims from previous years			2,905				2,905
Claims payments in previous years			–4,362				–4,362
As at 31.12.2013	0	412,018	10,965	0	0	–147	422,837

Group total
As at 31.12.2012	9,869	434,379	159,763	0	0	1,836	605,847
Exchange rate differences	–204	–66	–1,030	0		–7	–1,307
Change in consolidation scope	0	0	0	0		0	0
Portfolio changes	2,633	–20,115	–248				–17,729
Additions		1,594		0		62	1,656
Disposals		–2,407		0		–287	–2,693
Premiums written	130,251						130,251
Premiums earned	–127,906						–127,906
Claims in reporting year			90,978				90,978
Claims payments in reporting year			–62,843				–62,843
Change in claims from previous years			–20,153				–20,153
Claims payments in previous years			–42,847				–42,847
As at 31.12.2013	14,643	413,385	123,620	0	0	1,604	553,252

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Retention	Provisions for unearned premiums	Actuarial provisions	Provisions for outstanding claims	Provisions for profit-unrelated premium refunds	Provisions for profit-related premium refunds and /or policyholder profit participation	Other actuarial provisions	Group total
Figures in € thousand	Provisions for unearned premiums	Actuarial provisions	Provisions for outstanding claims	Provisions for profit-unrelated premium refunds		Other actuarial provisions	Group total
Property and casualty insurance
As at 31.12.2012	586,903	11,939	1,908,640	31,893	981	20,645	2,560,999
Exchange rate differences	–7,870	–223	–10,036	–25	–79	–1,156	–19,390
Change in consolidation scope	0	0	0	0	0	0	0
Portfolio changes	–516		–411	0		0	–927
Additions		1,315		3,077	2,162	28,192	34,746
Disposals		–260		–1,296	–2,483	–30,256	–34,295
Premiums written	2,153,082						2,153,082
Premiums earned	–2,141,617						–2,141,617
Claims in reporting year			1,547,822				1,547,822
Claims payments in reporting year			–758,952				–758,952
Change in claims from previous years			–104,311				–104,311
Claims payments in previous years			–640,675				–640,675
As at 31.12.2013	589,982	12,772	1,942,077	33,648	580	17,425	2,596,483

Health insurance
As at 31.12.2012	20,395	2,218,575	168,322	10,298	43,927	885	2,462,403
Exchange rate differences	–353	–192	–239	–5	0	–2	–791
Change in consolidation scope	0	0	0	0	0		0
Portfolio changes	356		491	0	0	0	848
Additions		121,290		8,491	17,125	198	147,105
Disposals		–13,003		–8,676	–16,734	–276	–38,689
Premiums written	885,856						885,856
Premiums earned	–888,893						–888,893
Claims in reporting year			705,339				705,339
Claims payments in reporting year			–502,293				–502,293
Change in claims from previous years			–78,040				–78,040
Claims payments in previous years			–123,825				–123,825
As at 31.12.2013	17,362	2,326,671	169,756	10,108	44,319	806	2,569,021

Life insurance
As at 31.12.2012	0	13,493,296	129,116	2,388	511,310	25,563	14,161,673
Exchange rate differences		–20,094	–527	–4	–948	–80	–21,653
Change in consolidation scope		0	0	0	0		0
Portfolio changes		212,222	961	0	–17,799	732	196,116
Additions		109,979		296	87,240	13,274	210,790
Disposals		–138,802		42	–289,948	–13,142	–441,850
Premiums written							0
Premiums earned							0
Claims in reporting year			1,774,898				1,774,898
Claims payments in reporting year			–1,611,822				–1,611,822
Change in claims from previous years			32,009				32,009
Claims payments in previous years			–192,205				–192,205
As at 31.12.2013	0	13,656,600	132,429	2,723	289,855	26,347	14,107,955

Group total
As at 31.12.2012	607,296	15,723,810	2,206,078	44,578	556,218	47,093	19,185,074
Exchange rate differences	–8,222	–20,509	–10,803	–34	–1,027	–1,238	–41,833
Change in consolidation scope	0	0	0	0	0	0	0
Portfolio changes	–160	212,222	1,041	0	–17,799	732	196,037
Additions		232,585		11,865	106,526	41,665	392,641
Disposals		–152,065		–9,930	–309,165	–43,674	–514,834
Premiums written	3,038,938						3,038,938
Premiums earned	–3,030,510						–3,030,510
Claims in reporting year			4,028,058				4,028,058
Claims payments in reporting year			–2,873,067				–2,873,067
Change in claims from previous years			–150,342				–150,342
Claims payments in previous years			–956,705				–956,705
As at 31.12.2013	607,343	15,996,043	2,244,262	46,479	334,753	44,578	19,273,458