Insurance claims in life insurance | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
Resulting from maturity |
368 811 |
409 493 |
Resulting from claims paid in case of death |
2 754 574 |
2 606 907 |
Resulting from morbidity |
608 914 |
614 392 |
Resulting from resignation from the insurance contract |
252 719 |
240 989 |
Resulting from disability and entitlement to a disability pension |
5 135 |
5 694 |
Resulting from annuity claims |
41 517 |
42 746 |
Resulting from childbirth |
306 859 |
317 853 |
Resulting from hospital treatment |
288 703 |
274 837 |
Resulting from a refund of accumulated cash and transfer payments |
141 703 |
191 436 |
Other |
146 889 |
141 080 |
Total insurance claims in life insurance |
4 915 824 |
4 845 427 |
All claims for 2013 and 2012 related to direct insurance.
Change in technical provisions in life insurance
Change in provisions for unearned premium in life insurance | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
| gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
Opening balance |
93 449 |
- |
93 449 |
96 333 |
- |
96 333 |
Increases |
103 223 |
(91) |
103 132 |
93 449 |
1 488 |
94 937 |
Decreases |
(93 711) |
2 |
(93 709) |
(96 333) |
(1 488) |
(97 821) |
Exchange differences |
(565) |
3 |
(561) |
- |
- |
- |
Closing balance |
102 396 |
(86) |
102 311 |
93 449 |
- |
93 449 |
Change in life insurance provision – insurance contracts | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
| gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
Opening balance |
16 208 275 |
- |
16 208 275 |
15 177 227 |
- |
15 177 227 |
Increase (decrease) in provisions related to current year policies |
564 859 |
- |
564 859 |
520 825 |
- |
520 825 |
Increase (decrease) in provisions related to prior year policies |
(260 234) |
- |
(260 234) |
(330 058) |
- |
(330 058) |
Changes in assumptions resulting from technical interest rate changes |
17 701 |
- |
17 701 |
840 281 |
- |
840 281 |
Exchange differences |
(3 807) |
|
(3 807) |
|
|
|
Closing balance |
16 526 794 |
- |
16 526 794 |
16 208 275 |
- |
16 208 275 |
Change in provisions in life insurance - unit-linked contracts | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
| gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
Net assets of the fund at the beginning of the period |
3 113 798 |
- |
3 113 798 |
2 299 767 |
- |
2 299 767 |
Increases in the fund due to premiums |
1 082 943 |
- |
1 082 943 |
894 952 |
- |
894 952 |
Payments deducted from the fund for risk, administration and other |
(71 333) |
- |
(71 333) |
(46 716) |
- |
(46 716) |
Revenue from the fund’s investments |
123 774 |
- |
123 774 |
348 852 |
- |
348 852 |
Decreases in the fund due to claims, redemptions, etc. |
(354 088) |
- |
(354 088) |
(350 060) |
- |
(350 060) |
Other decreases |
(43 826) |
- |
(43 826) |
(63 147) |
- |
(63 147) |
Other increases |
55 953 |
- |
55 953 |
30 150 |
- |
30 150 |
Net assets of the fund at the end of the period |
3 907 221 |
- |
3 907 221 |
3 113 798 |
- |
3 113 798 |
Change in provisions for claims, gross | 1 January - 31 December 2013 | 1 January - 31 December 2012 |
| gross | reinsurers’ share | net of reinsurance | gross | reinsurers’ share | net of reinsurance |
RBNP at the beginning of the period |
115 394 |
- |
115 394 |
125 937 |
- |
125 937 |
IBNR at the beginning of the period |
400 962 |
- |
400 962 |
486 185 |
- |
486 185 |
Total RBNP and IBNR at the beginning of the period |
516 356 |
- |
516 356 |
612 122 |
- |
612 122 |
Provisions for claims applied during the year |
(516 356) |
- |
(516 356) |
(612 122) |
- |
(612 122) |
Provisions for claims created during the year |
545 751 |
- |
545 751 |
516 356 |
- |
516 356 |
Total RBNP and IBNR at the end of the period |
545 751 |
- |
545 751 |
516 356 |
- |
516 356 |
RBNP at the end of the period |
138 366 |
- |
138 366 |
115 394 |
- |
115 394 |
IBNR at the end of the period |
407 385 |
- |
407 385 |
400 962 |
- |
400 962 |