17. Insurance claims and change in technical provisions

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<td class="width-13fd973c912da9f6055f9364af796de2 -d41d8cd98f00b204e9800998ecf8427e">Insurance claims and change in technical provisions</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">1 January - 31 December 2015</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">1 January - 31 December 2014</td>
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<td class="width-13fd973c912da9f6055f9364af796de2 -d41d8cd98f00b204e9800998ecf8427e">Claims, benefits and change in technical provisions – non-life insurance</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">6,416,539</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">5,866,427</td>
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<td class="width-13fd973c912da9f6055f9364af796de2 -d41d8cd98f00b204e9800998ecf8427e">Reinsurers’ share in claims, benefits and change in technical provisions – non-life insurance</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">(425,564)</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">(191,284)</td>
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<td class="width-13fd973c912da9f6055f9364af796de2 -d41d8cd98f00b204e9800998ecf8427e">Claims, benefits and change in technical provisions – life insurance</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">5,866,386</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">5,866,801</td>
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<td class="width-13fd973c912da9f6055f9364af796de2 -d41d8cd98f00b204e9800998ecf8427e">Reinsurers’ share in claims, benefits and change in technical provisions – life insurance</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">(259)</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">(236)</td>
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<td class="width-13fd973c912da9f6055f9364af796de2 -d41d8cd98f00b204e9800998ecf8427e">Total claims, benefits and change in technical provisions</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">11,857,102</td>
<td class="width-cdfb88442f429543fe7ace7931ba85a0 -d41d8cd98f00b204e9800998ecf8427e">11,541,708</td>
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Insurance claims and change in technical provisions	1 January - 31 December 2015	1 January - 31 December 2014
Claims, benefits and change in technical provisions – non-life insurance	6,416,539	5,866,427
Reinsurers’ share in claims, benefits and change in technical provisions – non-life insurance	(425,564)	(191,284)
Claims, benefits and change in technical provisions – life insurance	5,866,386	5,866,801
Reinsurers’ share in claims, benefits and change in technical provisions – life insurance	(259)	(236)
Total claims, benefits and change in technical provisions	11,857,102	11,541,708

Section consists:

17.1 Non-life insurance

17.2 Life insurance

17.3 Claims handling expenses