UNIQA Group Report 2014 - 33. Insurance benefits

Enlarge table

	Gross		Reinsurers’ share		Retention
in € thousand	2014	2013	2014	2013	2014	2013
Property and casualty insurance
Claims expenses
Claims paid	1,583,498	1,596,362	–45,185	–87,734	1,538,314	1,508,628
Change in provision for unsettled claims	164,927	48,797	–23,849	35,963	141,078	84,761
Total	1,748,425	1,645,160	–69,034	–51,771	1,679,391	1,593,389
Change in insurance provision	58	1,051	14	–14	72	1,036
Change in other technical provisions	2,001	–979	0	0	2,001	–979
Non-profit related and profit-related premium refund expenses	42,120	40,400	0	0	42,120	40,400
Total benefits	1,792,604	1,685,632	–69,020	–51,785	1,723,584	1,633,846

Health insurance
Claims expenses
Claims paid	647,507	629,130	–152	–21	647,355	629,109
Change in provision for unsettled claims	–3,843	5,176	‑3	‑4	–3,846	5,172
Total	643,664	634,305	–155	–25	643,509	634,280
Change in insurance provision	109,281	108,219	99	106	109,380	108,325
Change in other technical provisions	77	318	0	0	77	318
Profit-related and non-profit related refund expenses	27,557	25,813	0	0	27,557	25,813
Total benefits	780,579	768,655	–56	81	780,523	768,736

Life insurance
Claims expenses
Claims paid	1,857,028	1,467,988	–154,102	–127,339	1,702,925	1,340,650
Change in provision for unsettled claims	89,726	–3,161	–2,437	255	87,289	–2,906
Total	1,946,754	1,464,827	–156,540	–127,083	1,790,214	1,337,744
Change in insurance provision	–72,149	38,130	91,577	60,152	19,428	98,283
Change in other technical provisions	480	738	0	0	480	738
Non-profit related and profit-related premium refund expenses and/or (deferred) benefit participation expenses	69,432	120,100	0	0	69,432	120,100
Total benefits	1,944,517	1,623,796	–64,962	–66,931	1,879,555	1,556,865

Total (amount consolidated)	4,517,700	4,078,083	–134,038	–118,635	4,383,662	3,959,448