See accounting policy KK.
|Total Non-life and Life|||||
|Insurance claims and benefits||-6,846||-5,082|
|Insurance claims and benefits recovered from reinsurers||29||30|
|Net insurance claims and benefits||-6,817||-5,051|
|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 reinsurers||23||28|
|Net insurance claims and benefits, Non-life||-3,056||-2,710|
|Changes in liabilities arising from insurance contracts||592||729|
|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 reinsurers||7||3|
|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.