39.2 Life insurance

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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

39.2tab_1.xlsx

 

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

39.2tab_2.xlsx

 

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

39.2tab_3.xlsx

 

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

39.2tab_4.xlsx

     

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

39.2tab_5.xlsx