23. Technical provisions


Gross

Unearned premiums

Insurance provision

Provision for unsettled claims

Provision for non-profit related premium refunds

Provision for non-profit related premium refunds and/or policyholder profit participation

Other technical provisions

Total for Group

in € thousand

Property and casualty insurance

 

 

 

 

 

 

 

At 31/12/2013

612,723

13,154

2,054,700

33,648

580

19,175

2,733,981

Foreign exchange differences

–12,683

–667

–13,730

–43

‑6

–59

–27,188

Change in basis of consolidation

12,616

0

33,252

0

0

0

45,868

Portfolio changes

5,073

 

–1,801

 

 

0

3,271

Additions

 

387

 

2,388

2,050

5,276

10,101

Disposals

 

–309

 

–525

–1,671

–7,567

–10,073

Premiums written

2,328,252

 

 

 

 

 

2,328,252

Premiums earned

–2,338,607

 

 

 

 

 

–2,338,607

Claims – reporting year

 

 

1,647,629

 

 

 

1,647,629

Claim payments – reporting year

 

 

–763,303

 

 

 

–763,303

Change in claims – previous years

 

 

6,805

 

 

 

6,805

Claim payments – previous years

 

 

–723,086

 

 

 

–723,086

At 31/12/2014

607,373

12,565

2,240,465

35,468

952

16,825

2,913,649

 

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

 

At 31/12/2013

18,865

2,327,656

169,787

10,108

44,319

806

2,571,540

Foreign exchange differences

652

–61

–502

–24

0

‑3

61

Change in basis of consolidation

0

0

0

0

0

 

0

Portfolio changes

1,007

 

424

 

 

0

1,431

Additions

 

109,405

 

9,756

17,507

200

136,868

Disposals

 

–135

 

–9,017

–17,173

–13

–26,339

Premiums written

945,778

 

 

 

 

 

945,778

Premiums earned

–947,034

 

 

 

 

 

–947,034

Claims – reporting year

 

 

672,269

 

 

 

672,269

Claim payments – reporting year

 

 

–478,830

 

 

 

–478,830

Change in claims – previous years

 

 

–20,418

 

 

 

–20,418

Claim payments – previous years

 

 

–177,525

 

 

 

–177,525

At 31/12/2014

19,268

2,436,865

165,204

10,823

44,652

989

2,677,800

 

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

 

At 31/12/2013

0

14,106,599

143,395

2,723

315,777

26,201

14,594,694

Foreign exchange differences

 

–43,531

–784

–16

10,738

–189

–33,781

Change in basis of consolidation

 

217,633

2,600

 

0

 

220,233

Portfolio changes

 

547,416

345

 

–59

501

548,203

Additions

 

102,350

 

745

774,392

1,342

878,829

Disposals

 

–606,598

 

0

–5,170

–1,409

–613,178

Premiums written

 

 

 

 

 

 

0

Premiums earned

 

 

 

 

 

 

0

Claims – reporting year

 

 

2,395,353

 

 

 

2,395,353

Claim payments – reporting year

 

 

–2,196,339

 

 

 

–2,196,339

Change in claims – previous years

 

 

14,404

 

 

 

14,404

Claim payments – previous years

 

 

–179,798

 

 

 

–179,798

At 31/12/2014

0

14,323,869

179,174

3,452

1,095,678

26,446

15,628,619

 

 

 

 

 

 

 

 

Total for Group

 

 

 

 

 

 

 

At 31/12/2013

631,588

16,447,408

2,367,882

46,479

360,676

46,182

19,900,215

Foreign exchange differences

–12,031

–44,258

–15,016

–83

10,732

–251

–60,907

Change in basis of consolidation

12,616

217,633

35,851

0

0

0

266,100

Portfolio changes

6,079

547,416

–1,033

 

–59

501

552,904

Additions

 

212,142

 

12,889

793,948

6,818

1,025,798

Disposals

 

–607,043

 

–9,542

–24,015

–8,989

–649,589

Premiums written

3,274,030

 

 

 

 

 

3,274,030

Premiums earned

–3,285,642

 

 

 

 

 

–3,285,642

Claims – reporting year

 

 

4,715,251

 

 

 

4,715,251

Claim payments – reporting year

 

 

–3,438,472

 

 

 

–3,438,472

Change in claims – previous years

 

 

791

 

 

 

791

Claim payments – previous years

 

 

–1,080,410

 

 

 

–1,080,410

At 31/12/2014

626,641

16,773,299

2,584,844

49,743

1,141,282

44,260

21,220,068

Reinsurers’ share

Unearned premiums

Insurance provision

Provision for unsettled claims

Provision for non-profit related premium refunds

Provision for non-profit related premium refunds and/or policyholder profit participation

Other technical provisions

Total for Group

in € thousand

Property and casualty insurance

 

 

 

 

 

 

 

At 31/12/2013

14,592

383

112,623

0

0

1,750

129,348

Foreign exchange differences

–204

–22

–92

 

 

–29

–347

Change in basis of consolidation

507

 

516

0

 

0

1,024

Portfolio changes

–115

 

50

 

 

 

–65

Additions

 

0

 

0

 

634

634

Disposals

 

–226

 

0

 

–235

–461

Premiums written

124,829

 

 

 

 

 

124,829

Premiums earned

–123,670

 

 

 

 

 

–123,670

Claims – reporting year

 

 

62,969

 

 

 

62,969

Claim payments – reporting year

 

 

–14,774

 

 

 

–14,774

Change in claims – previous years

 

 

7,882

 

 

 

7,882

Claim payments – previous years

 

 

–31,569

 

 

 

–31,569

At 31/12/2014

15,938

135

137,605

0

0

2,120

155,798

 

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

 

At 31/12/2013

51

985

32

0

0

0

1,067

Foreign exchange differences

0

 

8

 

 

 

8

Change in basis of consolidation

0

 

 

 

 

 

0

Portfolio changes

 

 

 

 

 

 

0

Additions

 

 

 

 

 

 

0

Disposals

 

–99

 

 

 

 

–99

Premiums written

456

 

 

 

 

 

456

Premiums earned

–415

 

 

 

 

 

–415

Claims – reporting year

 

 

121

 

 

 

121

Claim payments – reporting year

 

 

–138

 

 

 

–138

Change in claims – previous years

 

 

2

 

 

 

2

Claim payments – previous years

 

 

0

 

 

 

0

At 31/12/2014

92

886

25

0

0

0

1,002

 

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

 

At 31/12/2013

0

412,018

10,965

0

0

–147

422,837

Foreign exchange differences

 

–13

33

0

 

 

20

Change in basis of consolidation

 

0

0

 

 

 

0

Portfolio changes

 

–19,535

2,903

 

 

 

–16,631

Additions

 

1,311

 

 

 

5

1,315

Disposals

 

–495

 

0

 

–14

–509

Premiums written

 

 

 

 

 

 

0

Premiums earned

 

 

 

 

 

 

0

Claims – reporting year

 

 

26,946

 

 

 

26,946

Claim payments – reporting year

 

 

–24,981

 

 

 

–24,981

Change in claims – previous years

 

 

1,685

 

 

 

1,685

Claim payments – previous years

 

 

–3,942

 

 

 

–3,942

At 31/12/2014

0

393,286

13,610

0

0

–156

406,739

 

 

 

 

 

 

 

 

Total for Group

 

 

 

 

 

 

 

At 31/12/2013

14,643

413,385

123,620

0

0

1,604

553,252

Foreign exchange differences

–205

–35

–51

0

 

–29

–319

Change in basis of consolidation

507

0

516

0

 

0

1,024

Portfolio changes

–115

–19,535

2,953

 

 

 

–16,697

Additions

 

1,311

 

0

 

639

1,950

Disposals

 

–820

 

0

 

–250

–1,070

Premiums written

125,285

 

 

 

 

 

125,285

Premiums earned

–124,085

 

 

 

 

 

–124,085

Claims – reporting year

 

 

90,036

 

 

 

90,036

Claim payments – reporting year

 

 

–39,893

 

 

 

–39,893

Change in claims – previous years

 

 

9,568

 

 

 

9,568

Claim payments – previous years

 

 

–35,512

 

 

 

–35,512

At 31/12/2014

16,030

394,307

151,240

0

0

1,964

563,540

Net

Unearned premiums

Insurance provision

Provision for unsettled claims

Provision for non-profit related premium refunds

Provision for non-profit related premium refunds and/or policyholder profit participation

Other technical provisions

Total for Group

in € thousand

Property and casualty insurance

 

 

 

 

 

 

 

At 31/12/2013

598,131

12,772

1,942,077

33,648

580

17,425

2,604,633

Foreign exchange differences

–12,478

–645

–13,638

–43

‑6

–30

–26,841

Change in basis of consolidation

12,108

0

32,736

0

0

0

44,844

Portfolio changes

5,188

 

–1,851

0

 

0

3,336

Additions

 

387

 

2,388

2,050

4,641

9,466

Disposals

 

–84

 

–525

–1,671

–7,332

–9,611

Premiums written

2,203,423

 

 

 

 

 

2,203,423

Premiums earned

–2,214,937

 

 

 

 

 

–2,214,937

Claims – reporting year

 

 

1,584,660

 

 

 

1,584,660

Claim payments – reporting year

 

 

–748,529

 

 

 

–748,529

Change in claims – previous years

 

 

–1,077

 

 

 

–1,077

Claim payments – previous years

 

 

–691,517

 

 

 

–691,517

At 31/12/2014

591,435

12,431

2,102,860

35,468

952

14,704

2,757,850

 

 

 

 

 

 

 

 

Health insurance

 

 

 

 

 

 

 

At 31/12/2013

18,815

2,326,671

169,755

10,108

44,319

806

2,570,473

Foreign exchange differences

652

–61

–510

–24

0

‑3

54

Change in basis of consolidation

0

0

0

0

0

 

0

Portfolio changes

1,007

 

424

0

0

0

1,431

Additions

 

109,405

 

9,756

17,507

200

136,868

Disposals

 

–36

 

–9,017

–17,173

–13

–26,240

Premiums written

945,322

 

 

 

 

 

945,322

Premiums earned

–946,619

 

 

 

 

 

–946,619

Claims – reporting year

 

 

672,148

 

 

 

672,148

Claim payments – reporting year

 

 

–478,693

 

 

 

–478,693

Change in claims – previous years

 

 

–20,420

 

 

 

–20,420

Claim payments – previous years

 

 

–177,525

 

 

 

–177,525

At 31/12/2014

19,176

2,435,979

165,179

10,823

44,652

989

2,676,798

 

 

 

 

 

 

 

 

Life insurance

 

 

 

 

 

 

 

At 31/12/2013

0

13,694,581

132,429

2,723

315,777

26,347

14,171,858

Foreign exchange differences

 

–43,518

–817

–16

10,738

–189

–33,801

Change in basis of consolidation

 

217,633

2,600

0

0

 

220,233

Portfolio changes

 

566,951

–2,558

0

–59

501

564,834

Additions

 

101,039

 

745

774,392

1,338

877,514

Disposals

 

–606,103

 

0

–5,170

–1,395

–612,669

Premiums written

 

 

 

 

 

 

0

Premiums earned

 

 

 

 

 

 

0

Claims – reporting year

 

 

2,368,407

 

 

 

2,368,407

Claim payments – reporting year

 

 

–2,171,358

 

 

 

–2,171,358

Change in claims – previous years

 

 

12,719

 

 

 

12,719

Claim payments – previous years

 

 

–175,857

 

 

 

–175,857

At 31/12/2014

0

13,930,583

165,565

3,452

1,095,678

26,603

15,221,880

 

 

 

 

 

 

 

 

Total for Group

 

 

 

 

 

 

 

At 31/12/2013

616,946

16,034,023

2,244,261

46,479

360,676

44,578

19,346,963

Foreign exchange differences

–11,826

–44,223

–14,965

–83

10,732

–222

–60,588

Change in basis of consolidation

12,108

217,633

35,335

0

0

0

265,077

Portfolio changes

6,195

566,951

–3,986

0

–59

501

569,601

Additions

 

210,832

 

12,889

793,948

6,179

1,023,848

Disposals

 

–606,223

 

–9,542

–24,015

–8,740

–648,519

Premiums written

3,148,745

 

 

 

 

 

3,148,745

Premiums earned

–3,161,557

 

 

 

 

 

–3,161,557

Claims – reporting year

 

 

4,625,215

 

 

 

4,625,215

Claim payments – reporting year

 

 

–3,398,580

 

 

 

–3,398,580

Change in claims – previous years

 

 

–8,778

 

 

 

–8,778

Claim payments – previous years

 

 

–1,044,898

 

 

 

–1,044,898

At 31/12/2014

610,611

16,378,992

2,433,604

49,743

1,141,282

42,296

20,656,528

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