23. Provision for unsettled claims - UNIQA Group Report 2016

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In € thousand	31/12/2016	31/12/2015
Property and casualty insurance
Gross	2,287,500	2,371,658
Reinsurers’ share	–151,227	–151,645
	2,136,273	2,220,013
Health insurance
Gross	158,203	157,917
Reinsurers’ share	–582	–22
	157,622	157,895
Life insurance
Gross	139,844	193,741
Reinsurers’ share	–4,789	–16,206
	135,055	177,535
Total
Gross	2,585,547	2,723,316
Reinsurers’ share	–156,598	–167,874
Total	2,428,950	2,555,443

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In € thousand	31/12/2016	31/12/2015
Provisions for unsettled claims at 1 January
Gross	2,371,658	2,240,465
Reinsurers’ share	–151,645	–137,605
Net	2,220,013	2,102,860
Plus (net) claims expenditures
Current year claims	1,687,286	1,376,992
Prior-year claims	–37,638	10,474
Total	1,649,649	1,387,466
Less (net) claims paid
Current year claims	–828,423	–650,301
Prior-year claims	–700,078	–619,931
Total	–1,528,501	–1,270,232
Currency translation	–6,764	723
Other changes	391	–803
Reclassifications held for sale	–198,515
Claim provision at 31 December
Gross	2,287,500	2,371,658
Reinsurers’ share	–151,227	–151,645
Net	2,136,273	2,220,013

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Claims payments	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	Total
In € thousand
Financial year	568,864	596,020	680,427	751,599	773,996	714,267	778,329	798,573	729,222	734,691	746,846
1 year later	853,412	910,954	1,020,882	1,130,543	1,138,253	1,068,406	1,142,524	1,174,639	1,106,066	1,106,222
2 years later	929,047	988,825	1,108,613	1,228,232	1,229,475	1,177,160	1,255,972	1,285,030	1,204,327
3 years later	965,674	1,029,929	1,152,195	1,286,633	1,276,504	1,225,202	1,308,792	1,334,305
4 years later	987,814	1,061,900	1,178,204	1,311,375	1,300,643	1,251,970	1,339,606
5 years later	1,000,086	1,078,782	1,197,413	1,327,499	1,318,705	1,266,660
6 years later	1,010,030	1,090,094	1,208,719	1,341,509	1,329,655
7 years later	1,019,621	1,098,971	1,219,432	1,350,716
8 years later	1,025,399	1,107,299	1,228,579
9 years later	1,033,766	1,109,434
10 years later	1,038,336

Cumulated payments and provision for unsettled claims	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016
In € thousand
Financial year	1,075,554	1,157,006	1,259,054	1,392,902	1,401,783	1,337,566	1,444,917	1,489,270	1,475,068	1,476,130	1,515,928
1 year later	1,093,506	1,142,314	1,259,435	1,405,975	1,395,983	1,348,006	1,436,610	1,472,322	1,457,929	1,449,504
2 years later	1,076,415	1,147,451	1,272,176	1,410,426	1,404,598	1,350,674	1,449,431	1,495,723	1,437,879
3 years later	1,077,562	1,146,234	1,271,441	1,407,144	1,392,071	1,353,309	1,454,301	1,489,480
4 years later	1,074,674	1,151,828	1,269,188	1,401,274	1,394,923	1,353,437	1,447,394
5 years later	1,073,127	1,160,358	1,266,219	1,402,704	1,401,018	1,351,386
6 years later	1,068,320	1,160,625	1,272,535	1,405,034	1,399,677
7 years later	1,069,456	1,162,715	1,276,077	1,411,355
8 years later	1,071,713	1,159,032	1,282,654
9 years later	1,072,940	1,155,644
10 years later	1,075,758

Settlement gains/losses	–2,818	3,388	–6,577	–6,321	1,341	2,051	6,907	6,243	20,049	26,626	-	50,889
Settlement gains/losses before 2005												–5,561
Total settlement gains/losses												45,328

Provision for unsettled claims	37,422	46,211	54,075	60,639	70,022	84,726	107,788	155,175	233,552	343,282	769,081	1,961,972
Provision for unsettled claims for accident years before 2005												240,203
Plus other reserve components (internal claims regulation costs, etc.)												85,325
Provisions for unsettled claims (gross) at 31. December 2016												2,287,500