Net insurance benefits and claims

(€ million) Gross amount Reinsurers' share Net amount
  31.12.2012 31.12.2011 31.12.2012 31.12.2011 31.12.2012 31.12.2011
Non-life net insurance benefits and claims 15,319 15,295 -1,205 -1,047 14,114 14,247
Claims paid 14,719 15,164 -1,191 -1,192 13,528 13,971
Change in the provisions for outstanding claims 480 105 -16 144 464 249
Change in claims paid to be recovered 52 -7 1 2 52 -4
Change in other insurance provisions 69 33 1 -2 69 31
Life net insurance benefits and claims 49,733 41,514 -633 -744 49,099 40,770
Claims payments 41,069 38,941 -594 -522 40,475 38,419
Change in the provisions for outstanding claims 162 -325 -28 -50 134 -376
Change in the mathematical provisions 4,552 5,688 -11 -232 4,541 5,456
Change in the provisions for policies where the investment risk is borne
by the policyholders and provisions for pension funds
4,145 -2,134 5 2 4,150 -2,132
Change in other insurance provisions -196 -656 -5 58 -201 -599
Total(1)
65,052 56,809 -1,839 -1,791 63,213 55,017

(1) Before the elimination of intra-group transaction between segments.

The increase of the payments in the life segment (+ 5.4%) was mainly attributable to maturities (+ 14.3%); during the financial year 2012 there was also a growth of surrenders (+ 2.7%), claims (+ 6.9%) and of annuities (+ 2.7%).

The increase in technical provisions for policies where the investment risk is borne by policyholders and other technical provisions were related to the favorable financial market trends, whereas the decrease in change in mathematical provisions reflected the decline of the net inflows.