F.21. Net insurance benefits and claims
| Gross amount | Reinsurers' share | Net amount | ||||
|---|---|---|---|---|---|---|
| (CZK million) | 2016 | 2015 | 2016 | 2015 | 2016 | 2015 |
| Non-life net insurance benefits and claims | 9,318 | 9,490 | (3,801) | (4,381) | 5,517 | 5,109 |
| Claims paid | 9,801 | 9,462 | (3,960) | (4,054) | 5,841 | 5,408 |
| Change in technical provisions | (483) | 28 | 159 | (327) | (324) | (299) |
Change in the provisions for outstanding claims | (556) | 4 | 156 | (311) | (400) | (307) |
Change in other insurance provisions | 73 | 24 | 3 | (16) | 76 | 8 |
| Life net insurance benefits and claims | 5,975 | 6,255 | (489) | (483) | 5,486 | 5,772 |
| Claims paid | 8,661 | 12,498 | (467) | (480) | 8,194 | 12,018 |
| Change in technical provisions | (2,686) | (6,243) | (22) | (3) | (2,708) | (6,246) |
Change in the provisions for outstanding claims | 74 | 19 | (25) | (9) | 49 | 10 |
Change in the mathematical provisionsand provision for unearned premium | (2,980) | (6,753) | 3 | 6 | (2,977) | (6,747) |
Change in the provisions for unit-linked policies | 197 | 481 | – | – | 197 | 481 |
Change in other insurance provisions | 23 | 10 | – | – | 23 | 10 |
| Total | 15,293 | 15,745 | (4,290) | (4,864) | 11,003 | 10,881 |
Of which relates to the Transformed fund:
| Gross amount | Reinsurers' share | Net amount | ||||
|---|---|---|---|---|---|---|
| (CZK million) | 2016 | 2015 | 2016 | 2015 | 2016 | 2015 |
| Life net insurance benefits and claims | 5 | 1 | – | – | 5 | 1 |
| Change in technical provisions | 5 | 1 | – | – | 5 | 1 |
| Of which: Change in other insurance provisions | 5 | 1 | – | – | 5 | 1 |
| Total | 5 | 1 | – | – | 5 | 1 |
Non-life insurance
The development of claims paid and claims provisions is relatively stable during 2015 and 2016 taking into consideration that extraordinary calamity events did not occur during these years. In 2016, there were some major claims caused by natural perils (mainly hail) especially in the first half of the year and that is why they influenced mostly Claims paid and do not influence significantly the year-end balance of claims provisions.
Life insurance
The continued release of mathematical provisions is caused by ongoing maturities and continuing product mix aimed at unit-linked and risk products. The decrease in Claims payments is caused by lower lapses and lower extra withdrawals.