9. Operating expenses

In € thousand	1–12/2019	1–12/2018
Property and casualty insurance
Acquisition costs
Payments	614,472	589,686
Change in deferred acquisition costs	–10,117	–13,515
Other operating expenses	269,600	246,931
Reinsurance commission and share of profit from reinsurance ceded	–12,713	–12,123
	861,241	810,980
Health insurance
Acquisition costs
Payments	107,054	109,335
Change in deferred acquisition costs	–14,504	–11,431
Other operating expenses	95,733	86,522
Reinsurance commission and share of profit from reinsurance ceded	–470	–570
	187,813	183,856
Life insurance
Acquisition costs
Payments	172,103	166,617
Change in deferred acquisition costs	56,252	24,853
Other operating expenses	134,408	129,253
Reinsurance commission and share of profit from reinsurance ceded	–4,700	–906
	358,062	319,817
Total	1,407,116	1,314,653