33. Operating expenses

In € thousand	1-12/2016	1-12/2015
Property and casualty insurance
Acquisition costs
Payments	549,185	529,538
Change in deferred acquisition costs	–9,590	–2,444
Other operating expenses	233,529	181,410
Reinsurance commission and share of profit from reinsurance ceded	–9,944	–8,884
	763,180	699,621
Health insurance
Acquisition costs
Payments	106,621	87,110
Change in deferred acquisition costs	–7,472	–6,590
Other operating expenses	76,800	73,693
Reinsurance commission and share of profit from reinsurance ceded	–463	–521
	175,486	153,693
Life insurance
Acquisition costs
Payments	224,249	225,468
Change in deferred acquisition costs	27,681	30,208
Other operating expenses	106,702	91,150
Reinsurance commission and share of profit from reinsurance ceded	–10,904	–9,705
	347,728	337,121
Total	1,286,394	1,190,435