(29) Net premium earned

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N140 NET PREMIUM EARNED
  FIGURES IN EUR MILLION
      Industrial
Lines
Retail
Germany
Retail
International
Non-Life
Reinsurance
Life/Health
Reinsurance
Corporate
Operations
Total
  2013 1)  
  Gross written premium, including premiums from unit-linked life and annuity insurance 3,770 6,891 4,220 7,309 5,961 28,151
  Savings elements of premiums from unit-linked life and annuity insurance 946 185 1,131
  Ceded written premium 1,650 166 241 771 702 9 3,539
  Change in gross unearned premium –111 –70 –174 –123 –28 –506
  Change in ceded unearned premium –85 –18 –27 –9 1 –138
  Net premium earned 2,094 5,727 3,647 6,424 5,230 –9 23,113
                 
  2012 1)  
  Gross written premium, including premiums from unit-linked life and annuity insurance 3,512 6,766 3,261 7,273 5,847 26,659
  Savings elements of premiums from unit-linked life and annuity insurance 976 224 1,200
  Ceded written premium 1,566 132 215 742 598 3,253
  Change in gross unearned premium –78 –40 –83 –148 18 –331
  Change in ceded unearned premium –47 –13 –8 –55 –1 –124
  Net premium earned 1,915 5,631 2,747 6,438 5,268 21,999
  1) After elimination of internal transactions within the Group across segments
2) Income from investments in associated companies and joint ventures amounts to EUR 13 million and is recognised under Dividends