8. Insurance benefits

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In € thousand	Gross		Reinsurers’ share		Net
In € thousand	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021	1 – 12/2022	1 – 12/2021
Property and casualty insurance
Claims expenses
Claims paid	2,029,464	1,912,200	–153,572	–116,929	1,875,891	1,795,271
Change in provision for unsettled claims	173,557	256,969	5,476	–124,118	179,033	132,851
Total	2,203,021	2,169,169	–148,097	–241,047	2,054,924	1,928,123
Change in insurance provision	100	–394	0	1	101	–393
Change in other technical provisions	–19	62	24	–28	4	34
Non-profit-related and profit-related premium refund expenses	28,235	37,359	0	0	28,235	37,359
Total benefits	2,231,337	2,206,196	–148,073	–241,074	2,083,264	1,965,123

Health insurance
Claims expenses
Claims paid	827,735	771,163	–1,498	–1,262	826,237	769,901
Change in provision for unsettled claims	19,097	–6,803	–199	–322	18,898	–7,125
Total	846,832	764,360	–1,697	–1,584	845,136	762,776
Change in insurance provision	185,143	166,713	40	62	185,184	166,775
Non-profit-related and profit-related premium refund expenses	51,904	68,176	0	0	51,904	68,176
Total benefits	1,083,880	999,249	–1,656	–1,522	1,082,224	997,727

Life insurance
Claims expenses
Claims paid	1,288,648	1,217,373	–26,956	–24,688	1,261,692	1,192,685
Change in provision for unsettled claims	48,843	34,907	–1,707	–330	47,136	34,577
Total	1,337,491	1,252,280	–28,663	–25,018	1,308,828	1,227,263
Change in insurance provision	–309,532	–150,750	6,020	6,354	–303,511	–144,395
Change in other technical provisions	–2,065	–44	0	0	–2,065	–44
Non-profit-related and profit-related premium refund expenses and/or (deferred) benefit participation expenses	–72,892	58,595	–5	–64	–72,898	58,531
Total benefits	953,003	1,160,081	–22,648	–18,727	930,354	1,141,354

Total	4,268,219	4,365,526	–172,377	–261,323	4,095,842	4,104,204

Group Report 2022

8. Insurance benefits

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