8. Insurance benefits

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In € thousand	Gross		Reinsurers’ share		Net
In € thousand	1–12/2019	1–12/2018 adjusted	1–12/2019	1–12/2018	1–12/2019	1–12/2018 adjusted
Property and casualty insurance
Claims expenses
Claims paid	1,751,937	1,675,648	–142,187	–41,371	1,609,750	1,634,277
Change in provision for unsettled claims	6,508	115,482	59,797	–100,800	66,305	14,682
Total	1,758,445	1,791,129	–82,390	–142,171	1,676,055	1,648,959
Change in insurance provision	410	134	10	–10	420	123
Change in other technical provisions	–3,993	–3,035	0	0	–3,993	–3,035
Non-profit-related and profit-related premium refund expenses	46,985	44,026	0	0	46,985	44,026
Total benefits	1,801,848	1,832,254	–82,380	–142,181	1,719,467	1,690,073

Health insurance
Claims expenses
Claims paid	771,718	728,257	–750	–1,283	770,969	726,974
Change in provision for unsettled claims	13,989	17,584	114	–378	14,102	17,206
Total	785,707	745,841	–636	–1,661	785,071	744,180
Change in insurance provision	143,265	133,192	46	68	143,310	133,260
Change in other technical provisions	19	–9	0	0	19	–9
Non-profit-related and profit-related premium refund expenses	31,875	30,524	0	0	31,875	30,524
Total benefits	960,866	909,547	–590	–1,593	960,275	907,955

Life insurance
Claims expenses
Claims paid	1,182,199	1,211,405	–22,543	–24,854	1,159,656	1,186,551
Change in provision for unsettled claims	–17,270	31,699	656	368	–16,615	32,067
Total	1,164,928	1,243,104	–21,887	–24,485	1,143,041	1,218,618
Change in insurance provision	–208,217	–215,945	5,672	1,813	–202,545	–214,132
Change in other technical provisions	232	0	0	0	232	0
Non-profit-related and profit-related premium refund expenses and/or (deferred) benefit participation expenses	36,607	31,234	0	0	36,607	31,234
Total benefits	993,550	1,058,393	–16,215	–22,673	977,335	1,035,721

Total	3,756,264	3,800,194	–99,186	–166,447	3,657,078	3,633,748