Technical provisions 31 grudnia 2022 31 grudnia 2021
gross share of reinsurers net gross share of reinsurers net
Technical provisions in non-life insurance 29 892 -4 015 25 877 26 881 -2 539 24 342
Provision for unearned premiums 10 624 -1 579 9 045 9 423 -1 139 8 284
Provision for unexpired risk 26 26 42 42
Provision for outstanding claims and benefits 12 680 -2 160 10 520 11 039 -1 119 9 920
– for reported claims 5 240 -1 861 3 379 4 024 -966 3 058
– for claims not reported (IBNR) 5 054 -256 4 798 4 748 -129 4 619
– for claims handling expenses 2 386 -43 2 343 2 267 -24 2 243
Provision for the capitalized value of annuities 6 543 -269 6 274 6 371 -280 6 091
Provisions for bonuses and discounts for insureds 16 -7 9 6 -1 5
Other technical provisions 3 3
Technical provisions in life insurance 22 714 22 714 23 292 -1 23 291
Provision for unearned premiums 110 110 113 -1 112
Provision for unexpired risk 25 25
Life insurance provision 17 014 17 014 16 345 16 345
Provision for outstanding claims and benefits 676 676 676 676
– for reported claims 186 186 163 163
– for claims not reported (IBNR) 485 485 508 508
– for benefits handling expenses 5 5 5 5
Provisions for bonuses and discounts for insureds 3 3 6 6
Other technical provisions 156 156 164 164
Unit-linked provision 4 755 4 755 5 963 5 963
Total technical provisions 52 606 -4 015 48 591 50 173 -2 540 47 633