8. Insurance benefits

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In € thousand	Gross		Reinsurers’ share		Net
In € thousand	1–12/2017	1–12/2016	1–12/2017	1–12/2016	1–12/2017	1–12/2016
Property and casualty insurance
Claims expenses
Claims paid	1,567,200	1,449,961	–40,848	–54,383	1,526,352	1,395,578
Change in provision for unsettled claims	71,257	127,253	7,715	–3,756	78,972	123,496
Total	1,638,456	1,577,214	–33,133	–58,140	1,605,323	1,519,074
Change in insurance provision	318	–379	1	1	318	–377
Change in other technical provisions	–396	–464	0	0	–396	–464
Non-profit related and profit-related premium refund expenses	39,592	32,361	0	0	39,592	32,361
Total benefits	1,677,970	1,608,732	–33,132	–58,138	1,644,837	1,550,593

Health insurance
Claims expenses
Claims paid	700,202	664,665	–2,490	–275	697,711	664,390
Change in provision for unsettled claims	6,597	10,207	550	–559	7,148	9,648
Total	706,799	674,872	–1,940	–834	704,859	674,038
Change in insurance provision	136,173	125,983	–199	84	135,974	126,067
Change in other technical provisions	4	–564	0	0	4	–564
Non-profit related and profit-related premium refund expenses	36,774	44,030	0	0	36,774	44,030
Total benefits	879,750	844,321	–2,139	–750	877,611	843,571

Life insurance
Claims expenses
Claims paid	1,617,125	1,724,173	–25,075	–26,453	1,592,050	1,697,720
Change in provision for unsettled claims	29,858	–22,440	–671	230	29,187	–22,210
Total	1,646,983	1,701,732	–25,746	–26,222	1,621,237	1,675,510
Change in insurance provision	–633,129	–698,099	–3,110	–7,571	–636,238	–705,669
Change in other technical provisions	0	–4	–200	0	–200	–4
Non-profit related and profit-related premium refund expenses and/or (deferred) benefit participation expenses	51,403	21,564	0	0	51,403	21,564
Total benefits	1,065,257	1,025,194	–29,056	–33,793	1,036,201	991,401

Total	3,622,976	3,478,247	–64,327	–92,681	3,558,650	3,385,566