7. Premiums
The item “Premiums written – gross” includes those amounts that have been called due, either once or on an ongoing basis in the financial year for the purposes of providing the insurance coverage. In the event of payment in instalments, premiums written are increased by the charges added during the year and the ancillary charges in line with the tariffs. In the case of unit-linked and index-linked life insurance, only the premiums decreased by the savings portion are stated in the item “Premiums written”.
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Premiums written – gross |
6,270,232 |
6,033,405 |
Premiums written – reinsurer’s share |
–261,452 |
–266,794 |
Premiums written – net |
6,008,780 |
5,766,610 |
Change in premiums earned – gross |
–62,782 |
–36,181 |
Change in premiums earned – reinsurers’ share |
3,239 |
–32,857 |
Premiums earned |
5,949,236 |
5,697,572 |
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Property and casualty insurance |
3,606,268 |
3,420,488 |
Health insurance |
1,272,617 |
1,218,993 |
Life insurance |
1,300,413 |
1,308,767 |
Total |
6,179,297 |
5,948,249 |
|
|
|
Of which: |
|
|
Austria |
3,832,874 |
3,683,416 |
remaining EU member states and other states which are party to the Agreement on the European Economic Area |
2,002,526 |
1,901,728 |
Other countries |
343,897 |
363,106 |
Total |
6,179,297 |
5,948,249 |
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Property and casualty insurance |
79,753 |
69,044 |
Health insurance |
4,718 |
7,465 |
Life insurance |
6,464 |
8,647 |
Total |
90,935 |
85,156 |
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Direct insurance |
|
|
Fire and business interruption insurance |
329,774 |
291,938 |
Liability insurance |
337,255 |
312,973 |
Household insurance |
258,234 |
238,533 |
Motor TPL insurance |
866,885 |
871,813 |
Legal expense insurance |
107,304 |
102,339 |
Marine, aviation and transport insurance |
88,312 |
81,662 |
Other motor insurance |
710,668 |
683,252 |
Other property insurance |
379,920 |
334,134 |
Other forms of insurance |
105,989 |
96,724 |
Casualty insurance |
421,926 |
407,121 |
Total |
3,606,268 |
3,420,488 |
|
|
|
Indirect insurance |
|
|
Fire and business interruption insurance |
29,086 |
25,030 |
Motor TPL insurance |
4,724 |
5,459 |
Other forms of insurance |
45,942 |
38,555 |
Total |
79,753 |
69,044 |
Total direct and indirect insurance (amount consolidated) |
3,686,021 |
3,489,533 |
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Property and casualty insurance |
219,195 |
225,376 |
Health insurance |
5,489 |
4,937 |
Life insurance |
36,768 |
36,481 |
Total |
261,452 |
266,794 |
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Property and casualty insurance |
3,408,893 |
3,203,865 |
Gross |
3,624,771 |
3,462,699 |
Reinsurers’ share |
–215,878 |
–258,835 |
Health insurance |
1,269,545 |
1,213,262 |
Gross |
1,275,098 |
1,217,624 |
Reinsurers’ share |
–5,553 |
–4,363 |
Life insurance |
1,270,799 |
1,280,446 |
Gross |
1,307,581 |
1,316,900 |
Reinsurers’ share |
–36,782 |
–36,454 |
Total |
5,949,236 |
5,697,572 |
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Recognised simultaneously |
64,018 |
56,035 |
Recognised with a delay of up to 1 year |
1,785 |
226 |
Posted after more than 1 year |
124 |
127 |
Property and casualty insurance |
65,926 |
56,388 |
Recognised simultaneously |
4,692 |
5,829 |
Recognised with a delay of up to 1 year |
27 |
1,641 |
Health insurance |
4,719 |
7,470 |
Recognised simultaneously |
6,328 |
8,408 |
Recognised with a delay of up to 1 year |
137 |
150 |
Posted after more than 1 year |
0 |
89 |
Life insurance |
6,464 |
8,647 |
Total |
77,110 |
72,504 |
In € thousand |
1 – 12/2022 |
1 – 12/2021 |
|---|---|---|
Property and casualty insurance |
954 |
3,218 |
Health insurance |
1,462 |
2,529 |
Life insurance |
–1,379 |
–2,738 |
Total |
1,037 |
3,009 |