Annual Report 2021
Financial statements
6.6.7
Net insurance claims and benefits

See accounting policy KK.

Net insurance claims and benefits
20212020
Total Non-life and Life
Insurance claims and benefits-6,846-5,082
Insurance claims and benefits recovered from reinsurers2930
Net insurance claims and benefits-6,817-5,051
Non-life
Claims paid-2,595-2,337
Changes in provision for outstanding claims-469-387
Amortisation of VOBA-14-14
Insurance claims and benefits-3,079-2,738
Insurance claims and benefits recovered from reinsurers2328
Net insurance claims and benefits, Non-life-3,056-2,710
Life
Claims paid-2,983-2,594
Changes in liabilities arising from insurance contracts592729
Changes in liabilities arising from insurance contracts on behalf of policyholders-1,368-469
Amortisation of VOBA-8-9
Insurance claims and benefits-3,768-2,344
Insurance claims and benefits recovered from reinsurers73
Net insurance claims and benefits, Life-3,761-2,341

The non-life claims paid increase was mainly due to portfolio growth, especially from Health.

The positive impact by COVID-19 on non-life insurance claims increased compared to previous year. Claims at P&C, particularly in motor and fire, decreased further. In 2021, this was partly offset by a negative impact at Disability due to adjusted expectations for long-term sickness absence by COVID-19 and delays in recovery and reintegration into work processes. The impact of COVID-19 and deferred care on claims in Health remained limited.

In line with previous year, the insurance claims and benefits of the Life segment were marginally affected by COVID-19. The impact on the mortality result is negligible, due to diversification of the various product lines.

The extreme flooding in Limburg led to additional damage claims (20 million) on the Non-life segment in the second half of the year 2021.