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