8. Insurance benefits

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In € thousand	Gross		Reinsurers’ share		Net
In € thousand	1–12/2021	1–12/2020	1–12/2021	1–12/2020	1–12/2021	1–12/2020
Property and casualty insurance
Claims expenses
Claims paid	1,912,200	1,711,589	–116,929	–100,048	1,795,271	1,611,541
Change in provision for unsettled claims	256,969	117,850	–124,118	–7,169	132,851	110,681
Total	2,169,169	1,829,439	–241,047	–107,217	1,928,123	1,722,222
Change in insurance provision	–394	212	1	1	–393	213
Change in other technical provisions	62	–95	–28	–2	34	–97
Non-profit-related and profit-related premium refund expenses	37,359	52,781	0	0	37,359	52,781
Total benefits	2,206,196	1,882,337	–241,074	–107,218	1,965,123	1,775,119

Health insurance
Claims expenses
Claims paid	771,163	745,499	–1,262	–694	769,901	744,804
Change in provision for unsettled claims	–6,803	9,783	–322	14	–7,125	9,797
Total	764,360	755,282	–1,584	–680	762,776	754,602
Change in insurance provision	166,713	169,727	62	–46	166,775	169,682
Non-profit-related and profit-related premium refund expenses	68,176	38,772	0	0	68,176	38,772
Total benefits	999,249	963,782	–1,522	–726	997,727	963,056

Life insurance
Claims expenses
Claims paid	1,217,373	1,073,882	–24,688	–22,256	1,192,685	1,051,626
Change in provision for unsettled claims	34,907	11,204	–330	–1,137	34,577	10,067
Total	1,252,280	1,085,086	–25,018	–23,393	1,227,263	1,061,693
Change in insurance provision	–150,750	–145,657	6,354	6,163	–144,395	–139,493
Change in other technical provisions	–44	–161	0	0	–44	–161
Non-profit-related and profit-related premium refund expenses and/or (deferred) benefit participation expenses	58,595	34,365	–64	0	58,531	34,365
Total benefits	1,160,081	973,634	–18,727	–17,230	1,141,354	956,404

Total	4,365,526	3,819,752	–261,323	–125,174	4,104,204	3,694,579