8. Insurance benefits

In € thousand

Gross

Reinsurers’ share

Net

1–12/2021

1–12/2020

1–12/2021

1–12/2020

1–12/2021

1–12/2020

Property and casualty insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

1,912,200

1,711,589

–116,929

–100,048

1,795,271

1,611,541

Change in provision for unsettled claims

256,969

117,850

–124,118

–7,169

132,851

110,681

Total

2,169,169

1,829,439

–241,047

–107,217

1,928,123

1,722,222

Change in insurance provision

–394

212

1

1

–393

213

Change in other technical provisions

62

–95

–28

–2

34

–97

Non-profit-related and profit-related premium refund expenses

37,359

52,781

0

0

37,359

52,781

Total benefits

2,206,196

1,882,337

–241,074

–107,218

1,965,123

1,775,119

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

771,163

745,499

–1,262

–694

769,901

744,804

Change in provision for unsettled claims

–6,803

9,783

–322

14

–7,125

9,797

Total

764,360

755,282

–1,584

–680

762,776

754,602

Change in insurance provision

166,713

169,727

62

–46

166,775

169,682

Non-profit-related and profit-related premium refund expenses

68,176

38,772

0

0

68,176

38,772

Total benefits

999,249

963,782

–1,522

–726

997,727

963,056

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

Claims expenses

 

 

 

 

 

 

Claims paid

1,217,373

1,073,882

–24,688

–22,256

1,192,685

1,051,626

Change in provision for unsettled claims

34,907

11,204

–330

–1,137

34,577

10,067

Total

1,252,280

1,085,086

–25,018

–23,393

1,227,263

1,061,693

Change in insurance provision

–150,750

–145,657

6,354

6,163

–144,395

–139,493

Change in other technical provisions

–44

–161

0

0

–44

–161

Non-profit-related and profit-related premium refund expenses and/or (deferred) benefit participation expenses

58,595

34,365

–64

0

58,531

34,365

Total benefits

1,160,081

973,634

–18,727

–17,230

1,141,354

956,404

 

 

 

 

 

 

 

Total

4,365,526

3,819,752

–261,323

–125,174

4,104,204

3,694,579