See accounting policy JJ.

Non-life insurance claims and benefits increased roughly in line with the growth of premiums earned, excluding exceptional provision strengthening and weather related calamities.

In 2022, disability provisions were strengthened (impact € 91 million) due to the 10% increase in the legal minimum wage as at 1 January 2023 as a result of the exceptionally high level of inflation. In February 2022, the Netherlands were confronted with severe storms (Dudley, Eunice and Franklin) and heavy rainfalls which caused significant damage. The additional damage claimed was € 39 million after reinsurance. In July 2021, floods in the southern part of the Netherlands had a € 20 million impact.

In Non-life there was an ongoing normalisation of claims following the abolishment of the COVID-19 restrictions.

The decrease of life claims paid reflects fewer claims paid from expirations and redemptions.