32. Insurance benefits

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	Gross		Reinsurers’ share		Net
In € thousand	1-12/2016	1-12/2015	1-12/2016	1-12/2015	1-12/2016	1-12/2015
Property and casualty insurance
Claims expenses
Claims paid	1,449,961	1,472,667	–54,383	–58,938	1,395,578	1,413,729
Change in provision for unsettled claims	127,253	123,135	–3,756	–16,650	123,496	106,485
Total	1,577,214	1,595,802	–58,140	–75,589	1,519,074	1,520,214
Change in insurance provision	–379	–240	1	100	–377	–140
Change in other technical provisions	–464	–848	0	0	–464	–848
Non-profit related and profit-related premium refund expenses	32,361	34,458	0	0	32,361	34,458
Total benefits	1,608,732	1,629,173	–58,138	–75,489	1,550,593	1,553,683

Health insurance
Claims expenses
Claims paid	664,665	648,021	–275	–324	664,390	647,697
Change in provision for unsettled claims	10,207	1,065	–559	1	9,648	1,066
Total	674,872	649,086	–834	–323	674,038	648,763
Change in insurance provision	125,983	121,945	84	92	126,067	122,037
Change in other technical provisions	–564	207	0	0	–564	207
Non-profit related and profit-related premium refund expenses	44,030	10,715	0	0	44,030	10,715
Total benefits	844,321	781,953	–750	–232	843,571	781,721

Life insurance
Claims expenses
Claims paid	1,724,173	2,131,135	–26,453	–24,750	1,697,720	2,106,385
Change in provision for unsettled claims	–22,440	–25,413	230	–925	–22,210	–26,338
Total	1,701,732	2,105,722	–26,222	–25,674	1,675,510	2,080,048
Change in insurance provision	–698,099	–800,636	–7,571	–13,650	–705,669	–814,286
Change in other technical provisions	–4	869	0	0	–4	869
Non-profit related and profit-related premium refund expenses and/or (deferred) benefit participation expenses	21,564	69,272	0	0	21,564	69,272
Total benefits	1,025,194	1,375,227	–33,793	–39,324	991,401	1,335,903

Total	3,478,247	3,786,352	–92,681	–115,045	3,385,566	3,671,307