| Provisions (by accounting classes prescribed by section II of the attachment to the Insurance Activity Act) | 31 December 2022 | 31 December 2021 | ||||
| gross | share of reinsurers | net | gross | share of reinsurers | net | |
| Accident and sickness insurance (group 1 and 2) | 1 064 | -157 | 907 | 1 014 | -125 | 889 |
| Motor third party liability insurance (group 10) | 15 632 | -708 | 14 924 | 15 314 | -670 | 14 644 |
| Other motor insurance (group 3) | 3 673 | -11 | 3 662 | 3 248 | -35 | 3 213 |
| Marine, aviation and transport insurance (groups 4, 5, 6, 7) | 227 | -117 | 110 | 177 | -78 | 99 |
| Insurance against fire and other property damage (groups 8 and 9) | 3 949 | -1 363 | 2 586 | 3 308 | -1 020 | 2 288 |
| TPL insurance (groups 11, 12, 13) | 3 006 | -307 | 2 699 | 2 721 | -259 | 2 462 |
| Credit and suretyship (groups 14, 15) | 360 | -140 | 220 | 251 | -131 | 120 |
| Assistance (group 18) | 500 | -2 | 498 | 430 | -1 | 429 |
| Legal protection (group 17) | 27 | – | 27 | 23 | – | 23 |
| Other (group 16) | 1 454 | -1 210 | 244 | 395 | -220 | 175 |
| Total technical provisions | 29 892 | -4 015 | 25 877 | 26 881 | -2 539 | 24 342 |
| Technical provisions in non-life insurance | 31 December 2022 | 31 December 2021 | ||||
| gross | share of reinsurers | udział własny | gross | share of reinsurers | net | |
| Short-term | 6 559 | -969 | 5 590 | 5 669 | -646 | 5 023 |
| Long-term | 23 333 | -3 046 | 20 287 | 21 212 | -1 893 | 19 319 |
| Total technical provisions | 29 892 | -4 015 | 25 877 | 26 881 | -2 539 | 24 342 |
Long-term provisions are those under which projected cash flows will occur more than 12 months after the end of the reporting period, or after 31 December 2022.
Movement in provisions
| Movement in the provision for unearned premiums in non-life insurance | 1 January – 31 December 2022 | 1 January – 31 December 2021 | ||||
| gross | share of reinsurers | net | gross | share of reinsurers | net | |
| Beginning of the period | 9 423 | -1 139 | 8 284 | 8 645 | -924 | 7 721 |
| Increase (reduction) of provisions relating to policies concluded in the current year | 9 620 | -1 298 | 8 322 | 8 466 | -785 | 7 681 |
| Increase (reduction) of provisions relating to policies concluded in previous years | -8 418 | 855 | -7 563 | -7 696 | 572 | -7 124 |
| Foreign exchange differences in the period | -1 | 3 | 2 | 8 | -2 | 6 |
| Total technical provisions | 10 624 | -1 579 | 9 045 | 9 423 | -1 139 | 8 284 |
| Movement in provision for unexpired risk | 1 January – 31 December 2022 | 1 January – 31 December 2021 | ||||
| gross | share of reinsurers | net | gross | share of reinsurers | net | |
| Beginning of the period | 42 | – | 42 | 32 | – | 32 |
| Increase (reduction) of provisions relating to policies concluded in the current year | 10 | – | 10 | 31 | – | 31 |
| Increase (reduction) of provisions relating to policies concluded in previous years | -26 | – | -26 | -21 | – | -21 |
| End of the period | 26 | – | 26 | 42 | – | 42 |
| Movement in the provision for outstanding claims and benefits in non-life insurance | 1 January – 31 December 2022 | 1 January – 31 December 2021 | ||||
| brutto | share of reinsurers | net | brutto | share of reinsurers | net | |
| Beginning of the period | 11 039 | -1 119 | 9 920 | 10 371 | -903 | 9 468 |
| Benefits paid related to losses incurred in previous years, including: | -2 961 | 199 | -2 762 | -2 546 | 89 | -2 457 |
| – claims paid | -2 537 | 197 | -2 340 | -2 138 | 87 | -2 051 |
| – claims handling expenses | -424 | 2 | -422 | -408 | 2 | -406 |
| Increase (reduction) of provisions, including: | 4 609 | -1 249 | 3 360 | 3 204 | -298 | 2 906 |
| – relating to losses incurred in the current year | 5 203 | -1 211 | 3 992 | 3 923 | -280 | 3 643 |
| – relating to losses incurred in previous years | -594 | -38 | -632 | -719 | -18 | -737 |
| Other changes | – | 2 | 2 | – | -1 | -1 |
| Foreign exchange differences in the period | -7 | 7 | – | 10 | -6 | 4 |
| End of the period | 12 680 | -2 160 | 10 520 | 11 039 | -1 119 | 9 920 |
| Movement in provision for the capitalized value of annuities in non-life insurance | 1 January – 31 December 2022 | 1 January – 31 December 2021 | ||||
| gross | share of reinsurers | net | gross | share of reinsurers | net | |
| Beginning of the period | 6 371 | -280 | 6 091 | 6 226 | -273 | 5 953 |
| Claims paid related to losses incurred in previous years | -262 | 6 | -256 | -280 | 11 | -269 |
| Increase (reduction) of provisions relating to losses incurred in previous years | 35 | -4 | 31 | 104 | -33 | 71 |
| Changes in assumptions resulting from movements in technical rates | -6 | – | -6 | -9 | – | -9 |
| Increase in provisions relating to losses incurred in the current year | 402 | 9 | 411 | 330 | 15 | 345 |
| Foreign exchange differences in the period | 3 | – | 3 | – | – | – |
| End of the period | 6 543 | -269 | 6 274 | 6 371 | -280 | 6 091 |