Net insurance benefits and claims

  Gross amount Reinsurers' share Net amount
(€ million) 31.12.2011 31.12.2010 31.12.2011 31.12.2010 31.12.2011 31.12.2010
Non-life net insurance benefits and claims 15,294.9 15,744.7 -1,047.5 -1,293.2 14,247.4 14,451.4
Claims paid 15,163.5 15,563.4 -1,192.1 -1,303.0 13,971.4 14,260.5
Change in the provisions for outstanding claims 105.3 189.6 144.1 5.7 249.4 195.3
Change in claims paid to be recovered -6.6 -16.3 2.5 0.0 -4.2 -16.4
Change in other insurance provisions 32.7 7.9 -1.9 4.1 30.8 12.0
Life net insurance benefits and claims 41,513.8 53,792.7 -744.0 -527.8 40,769.8 53,264.9
Claims payments 38,940.7 32,593.2 -521.6 -513.6 38,419.2 32,079.6
Change in the provisions for outstanding claims -325.2 775.5 -50.4 -11.1 -375.6 764.4
Change in the mathematical provisions 5,688.3 12,311.2 -231.9 15.7 5,456.4 12,326.8
Change in the provisions for policies where the investment risk is borne
by the policyholders and provisions for pension funds
-2,133.6 6,167.7 2.0 -9.9 -2,131.6 6,157.8
Change in other insurance provisions -656.5 1,945.2 57.8 -8.9 -598.6 1,936.4
Total (*)
56,808.7 69,537.4 -1,791.5 -1,821.0 55,017.2 67,716.4

(*) Before the elimination of intra-group transactions between segmentsNet

The increase of the payments in the life segment (+ 19.8%) was completely attributable to the surrenders (+ 41.7%); during financial year 2011 there was also a growth of claims (+ 5.4%), whereas the maturities and annuities decreased, - 4.9% and -1,0% respectively.
The decrease in changes in technical provisions for policies where the investment risk is borne by the policyholders and other technical provisions were related to the unfavourable financial market trends, whereas the decrease in change in mathematical provisions reflected the decline of the net inflows.