9. Operating expenses

In € thousand	1–12/2021	1–12/2020
Property and casualty insurance
Acquisition costs
Payments	760,723	671,155
Change in deferred acquisition costs	–47,561	–26,506
Other operating expenses	340,115	340,144
Reinsurance commission and share of profit from reinsurance ceded	–15,514	–14,068
	1,037,763	970,724
Health insurance
Acquisition costs
Payments	115,621	115,654
Change in deferred acquisition costs	–20,124	–14,930
Other operating expenses	112,135	124,594
Reinsurance commission and share of profit from reinsurance ceded	–1,008	–352
	206,624	224,966
Life insurance
Acquisition costs
Payments	237,112	175,891
Change in deferred acquisition costs	6,979	32,114
Other operating expenses	167,111	166,808
Reinsurance commission and share of profit from reinsurance ceded	–7,063	–4,104
	404,140	370,708
Total	1,648,527	1,566,399