39.2 Life insurance

Insurance claims in life insurance1 January - 31 December 20131 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 insurance1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet 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 contracts1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet 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 contracts1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet 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, gross1 January - 31 December 20131 January - 31 December 2012
 grossreinsurers’ sharenet of reinsurancegrossreinsurers’ sharenet 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