UNIQA Group Report 2015 - 26. Technical provisions

Enlarge table

Gross	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 technical provisions	Total
In € thousand	Unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds		Other technical provisions	Total
Property and casualty insurance
As at 1 January 2015	607,373	12,565	2,240,465	35,468	952	16,825	2,913,649
Foreign exchange differences	–2,268	1	1,032	–1	14	149	–1,072
Portfolio changes	–98		2,454				2,356
Additions		17		108	1,760	1,619	3,503
Disposals		–240		–8,392	–1,571	–2,831	–13,033
Premiums written	1,690,385						1,690,385
Premiums earned	–1,678,614						–1,678,614
Claims reporting year			1,432,622				1,432,622
Claims payments reporting year			–658,568				–658,568
Change in claims previous years			11,189				11,189
Claims payments previous years			–657,537				–657,537
As at 31 December 2015	616,780	12,344	2,371,658	27,183	1,155	15,761	3,044,881

Health insurance
As at 1 January 2015	19,268	2,436,865	165,204	10,823	44,652	989	2,677,800
Foreign exchange differences	–260	132	149	–1	0	37	58
Additions		124,640		10,910	1	284	135,835
Disposals		30		–8,922	–17,436	–98	–26,425
Premiums written	935,525						935,525
Premiums earned	–935,455						–935,455
Claims reporting year			663,884				663,884
Claims payments reporting year			–478,162				–478,162
Change in claims previous years			–3,624				–3,624
Claims payments previous years			–189,533				–189,533
As at 31 December 2015	19,077	2,561,667	157,917	12,811	27,218	1,212	2,779,902

Life insurance
As at 1 January 2015		14,323,869	179,174	3,452	1,095,678	26,446	15,628,619
Foreign exchange differences		–8,115	23	–1	41	–4	–8,056
Portfolio changes		18,353	154		–18,130		378
Additions		625,972		38	–1,634	8,840	633,216
Disposals		–898,991			–87,213	–7,054	–993,257
Claims reporting year			1,966,271				1,966,271
Claims payments reporting year			–1,772,876				–1,772,876
Change in claims previous years			32,346				32,346
Claims payments previous years			–211,351				–211,351
As at 31 December 2015		14,061,089	193,741	3,489	988,743	28,228	15,275,289

Total
As at 1 January 2015	626,641	16,773,299	2,584,844	49,743	1,141,282	44,260	21,220,068
Foreign exchange differences	–2,528	–7,981	1,204	–2	55	181	–9,070
Portfolio changes	–98	18,353	2,608		–18,130		2,734
Additions		750,629		11,056	127	10,742	772,554
Disposals		–899,200		–17,313	–106,220	–9,982	–1,032,716
Premiums written	2,625,910						2,625,910
Premiums earned	–2,614,069						–2,614,069
Claims reporting year			4,062,778				4,062,778
Claims payments reporting year			–2,909,607				–2,909,607
Change in claims previous years			39,911				39,911
Claims payments previous years			–1,058,421				–1,058,421
As at 31 December 2015	635,857	16,635,100	2,723,316	43,483	1,017,115	45,201	21,100,072

Enlarge table

Reinsurers' share	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 technical provisions	Total
In € thousand	Unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds		Other technical provisions	Total
Property and casualty insurance
As at 1 January 2015	15,939	135	137,605			2,120	155,799
Foreign exchange differences	–29	0	310			–1	280
Portfolio changes	–284		3,257				2,973
Additions						215	215
Disposals		–121				–604	–725
Premiums written	46,676						46,676
Premiums earned	–40,419						–40,419
Claims reporting year			55,631				55,631
Claims payments reporting year			–8,267				–8,267
Change in claims previous years			716				716
Claims payments previous years			–37,606				–37,606
As at 31 December 2015	21,883	14	151,645			1,730	175,272

Health insurance
As at 1 January 2015	92	886	25				1,002
Foreign exchange differences	1		0				2
Portfolio changes	–40						–40
Disposals		–92					–92
Premiums written	69						69
Premiums earned	–44						–44
Claims reporting year			3				3
Claims payments reporting year			–30				–30
Change in claims previous years			26				26
Claims payments previous years			–2				–2
As at 31 December 2015	79	794	22				895

Life insurance
As at 1 January 2015		393,286	13,610			–156	406,739
Foreign exchange differences		–29	0			0	–29
Portfolio changes		–13,237	–90				–13,327
Additions		3,978					3,978
Disposals		–27,230				–20	–27,250
Claims reporting year			3,529				3,529
Claims payments reporting year			–464				–464
Change in claims previous years			305				305
Claims payments previous years			–683				–683
As at 31 December 2015		356,769	16,206			–177	372,798

Total
As at 1 January 2015	16,030	394,307	151,240			1,964	563,540
Foreign exchange differences	–27	–29	310			–1	252
Portfolio changes	–324	–13,237	3,167				–10,395
Additions		3,978				215	4,194
Disposals		–27,442				–624	–28,067
Premiums written	46,745						46,745
Premiums earned	–40,462						–40,462
Claims reporting year			59,163				59,163
Claims payments reporting year			–8,761				–8,761
Change in claims previous years			1,047				1,047
Claims payments previous years			–38,291				–38,291
As at 31 December 2015	21,962	357,577	167,874			1,553	548,966

Enlarge table

Retention	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 technical provisions	Total
Figures in € thousand	Unearned premiums	Actuarial provisions	Provision for outstanding claims	Provision for profit-unrelated premium refunds		Other technical provisions	Total
Property and casualty insurance
As at 1 January 2015	591,435	12,431	2,102,860	35,468	952	14,704	2,757,850
Foreign exchange differences	–2,239	2	723	–1	14	150	–1,352
Portfolio changes	187		–803				–617
Additions		17		108	1,760	1,403	3,288
Disposals		–119		–8,392	–1,571	–2,227	–12,309
Premiums written	1,643,710						1,643,710
Premiums earned	–1,638,195						–1,638,195
Claims reporting year			1,376,992				1,376,992
Claims payments reporting year			–650,301				–650,301
Change in claims previous years			10,474				10,474
Claims payments previous years			–619,931				–619,931
As at 31 December 2015	594,897	12,330	2,220,013	27,183	1,155	14,031	2,869,608

Health insurance
As at 1 January 2015	19,176	2,435,979	165,179	10,823	44,652	989	2,676,798
Foreign exchange differences	–261	132	149	–1	0	37	57
Portfolio changes	40						40
Additions		124,640		10,910	1	284	135,835
Disposals		122		–8,922	–17,436	–98	–26,334
Premiums written	935,456						935,456
Premiums earned	–935,412						–935,412
Claims reporting year			663,881				663,881
Claims payments reporting year			–478,132				–478,132
Change in claims previous years			–3,651				–3,651
Claims payments previous years			–189,531				–189,531
As at 31 December 2015	18,998	2,560,873	157,895	12,811	27,218	1,212	2,779,007

Life insurance
As at 1 January 2015		13,930,583	165,565	3,452	1,095,678	26,603	15,221,880
Foreign exchange differences		–8,086	23	–1	41	–4	–8,028
Portfolio changes		31,591	244		–18,130		13,705
Additions		621,994		38	–1,634	8,840	629,237
Disposals		–871,761			–87,213	–7,033	–966,007
Claims reporting year			1,962,743				1,962,743
Claims payments reporting year			–1,772,412				–1,772,412
Change in claims previous years			32,041				32,041
Claims payments previous years			–210,668				–210,668
As at 31 December 2015		13,704,320	177,535	3,489	988,743	28,405	14,902,491

Total
As at 1 January 2015	610,611	16,378,992	2,433,604	49,743	1,141,282	42,296	20,656,528
Foreign exchange differences	–2,500	–7,952	894	–2	55	183	–9,323
Portfolio changes	227	31,591	–559		–18,130		13,128
Additions		746,651		11,056	127	10,527	768,361
Disposals		–871,758		–17,313	–106,220	–9,358	–1,004,649
Premiums written	2,579,165						2,579,165
Premiums earned	–2,573,607						–2,573,607
Claims reporting year			4,003,615				4,003,615
Claims payments reporting year			–2,900,846				–2,900,846
Change in claims previous years			38,864				38,864
Claims payments previous years			–1,020,130				–1,020,130
As at 31 December 2015	613,895	16,277,523	2,555,443	43,483	1,017,115	43,648	20,551,107