Annual Report 2022
6.6.7
Net insurance claims and benefits

See accounting policy JJ.

Net insurance claims and benefits
20222021
Total Non-life and Life
Insurance claims and benefits-2,984-6,846
Insurance claims and benefits recovered from reinsurers6429
Net insurance claims and benefits-2,919-6,817
Non-life
Claims paid-2,866-2,595
Changes in provision for outstanding claims-410-469
Amortisation of VOBA-14-14
Insurance claims and benefits-3,290-3,079
Insurance claims and benefits recovered from reinsurers6323
Net insurance claims and benefits, Non-life-3,227-3,056
Life
Claims paid-2,317-2,983
Changes in liabilities arising from insurance contracts1,008592
Changes in liabilities arising from insurance contracts on behalf of policyholders1,624-1,368
Amortisation of VOBA-9-8
Insurance claims and benefits306-3,768
Insurance claims and benefits recovered from reinsurers17
Net insurance claims and benefits, Life307-3,761

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.