(31) Claims and claims expenses

N144 CLAIMS AND CLAIMS EXPENSES
  FIGURES IN EUR MILLION
    Industrial
Lines
Retail
Germany
Retail
International
Non-Life
Reinsurance
Life/Health Reinsurance Corporate
Operations
Total
  2013 1)              
  Gross              
  Claims and claims expenses paid 2,454 3,843 1,947 3,951 4,855 17,050
  Change in loss and loss adjustment expense reserve 351 131 212 975 17 1,686
  Change in benefit reserve 1,298 466 203 1,967
  Expenses for premium refunds 8 903 6 917
  Total 2,813 6,175 2,631 4,926 5,075 21,620
  Reinsurers’ share              
  Claims and claims expenses paid 1,326 139 92 472 567 2,596
  Change in loss and loss adjustment expense reserve –205 30 13 –55 20 1 –196
  Change in benefit reserve –23 –8 32 1
  Expenses for premium refunds 1 3 4
  Total 1,122 146 100 417 619 1 2,405
  Net              
  Claims and claims expenses paid 1,128 3,704 1,855 3,479 4,288 14,454
  Change in loss and loss adjustment expense reserve 556 101 199 1,030 –3 –1 1,882
  Change in benefit reserve 1,321 474 171 1,966
  Expenses for premium refunds 7 903 3 913
  Total 1,691 6,029 2,531 4,509 4,456 –1 19,215
  1) Presentation after elimination of cross-segment transactions
   

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N144 CLAIMS AND CLAIMS EXPENSES
  FIGURES IN EUR MILLION
    Industrial
Lines 2)
Retail
Germany 2)
Retail
International
Non-Life
Reinsurance
Life/Health
Reinsurance 2)
Corporate
Operations
Total
  2012 1)              
  Gross              
  Claims and claims expenses paid 2,306 3,779 1,741 4,265 4,197 16,288
  Change in loss and loss adjustment expense reserve 282 –10 155 681 273 1,381
  Change in benefit reserve –1 1,315 94 637 2,045
  Expenses for premium refunds 6 821 12 839
  Total 2,593 5,905 2,002 4,946 5,107 20,553
  Reinsurers’ share              
  Claims and claims expenses paid 903 116 84 390 434 1,927
  Change in loss and loss adjustment expense reserve 267 –4 –3 –12 48 296
  Change in benefit reserve –48 –4 16 –36
  Expenses for premium refunds 1 9 10
  Total 1,171 64 86 378 498 2,197
  Net              
  Claims and claims expenses paid 1,403 3,663 1,657 3,875 3,763 14,361
  Change in loss and loss adjustment expense reserve 15 –6 158 693 225 1,085
  Change in benefit reserve –1 1,363 98 621 2,081
  Expenses for premium refunds 5 821 3 829
  Total 1,422 5,841 1,916 4,568 4,609 18,356
  1) Presentation after elimination of cross-segment transactions
2) Adjusted on the basis of IAS 8, see section “Accounting policies”, subsection “Changes in accounting policies and accounting errors” of the Notes