9. Operating expenses

In € thousand

1 – 12/2022

1 – 12/2021

Property and casualty insurance

 

 

Acquisition costs

 

 

Payments

834,700

760,723

Change in deferred acquisition costs

–33,041

–47,561

Other operating expenses

302,141

340,115

Reinsurance commission and share of profit from reinsurance ceded

–20,341

–15,514

 

1,083,459

1,037,763

Health insurance

 

 

Acquisition costs

 

 

Payments

128,448

115,621

Change in deferred acquisition costs

–19,468

–20,124

Other operating expenses

100,309

112,135

Reinsurance commission and share of profit from reinsurance ceded

–519

–1,008

 

208,770

206,624

Life insurance

 

 

Acquisition costs

 

 

Payments

251,062

237,112

Change in deferred acquisition costs

29,337

6,979

Other operating expenses

145,486

167,111

Reinsurance commission and share of profit from reinsurance ceded

–6,393

–7,063

 

419,492

404,140

Total

1,711,721

1,648,527