F.21. Net insurance benefits and claims
| Gross amount | Reinsurers' share | Net amount | ||||
|---|---|---|---|---|---|---|
| (CZK million) | 2015 | 2014 re-presented | 2015 | 2014 re-presented | 2015 | 2014 re-presented |
| Non-life net insurance benefits and claims | 9,490 | 9,145 | (4,381) | (3,514) | 5,109 | 5,631 |
| Claims paid | 9,462 | 9,631 | (4,054) | (3,931) | 5,408 | 5,700 |
| Change in technical provisions | 28 | (486) | (327) | 417 | (299) | (69) |
Change in the provisions for outstanding claims | 4 | (502) | (311) | 424 | (307) | (78) |
Change in other insurance provisions | 24 | 16 | (16) | (7) | 8 | 9 |
| Life net insurance benefits and claims | 6,255 | 7,437 | (483) | (442) | 5,772 | 6,995 |
| Claims paid | 12,498 | 14,453 | (480) | (449) | 12,018 | 14,004 |
| Change in technical provisions | (6,243) | (7,016) | (3) | 7 | (6,246) | (7,009) |
Change in the provisions for outstanding claims | 19 | (18) | (9) | 5 | 10 | (13) |
Change in the mathematical provisions | (6,753) | (3,480) | 6 | 2 | (6,747) | (3,478) |
Change in the provisions for unit-linked policies | 481 | (3,539) | – | – | 481 | (3,539) |
Change in other insurance provisions | 10 | 21 | – | – | 10 | 21 |
| Total | 15,745 | 16,582 | (4,864) | (3,956) | 10,881 | 12,626 |
Of which relates to the Transformed fund:
| Gross amount | Reinsurers' share | Net amount | ||||
|---|---|---|---|---|---|---|
| (CZK million) | 2015 | 2014 | 2015 | 2014 | 2015 | 2014 |
| Life net insurance benefits and claims | 1 | 16 | – | – | 1 | 16 |
| Change in technical provisions | 1 | 16 | – | – | 1 | 16 |
of which: Change in other insurance provisions | 1 | 16 | – | – | 1 | 16 |
| Total | 1 | 16 | – | – | 1 | 16 |
Non-life insurance
The development of claims paid and claims provisions is overall stable during 2014 and 2015 taking into consideration that extraordinary calamity events did not appear during these years and last year influenced by occurrence of calamity events remain the year 2013.
Life insurance
Higher claims paid in the year 2014 and significant negative change in the unit-linked provisions (release of provisions) is a consequence of maturity of single unit-linked product Garance. The continued release of mathematical provisions is caused by on-going high maturities and continuing product mix aimed at unit-linked and risk products. Decrease in claims payments is caused by lower lapses and lower extra withdrawals (which were higher in 2014 because of change of the legislation regarding tax deductibility).