41.3 Quantitative data
| Technical provisions | 31 December 2021 | 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Technical provisions in non-life insurance | 26 881 | -2 539 | 24 342 | 25 276 | -2 100 | 23 176 |
| Provision for unearned premiums | 9 423 | -1 139 | 8 284 | 8 645 | -924 | 7 721 |
| Provision for unexpired risk | 42 | - | 42 | 32 | - | 32 |
| Provision for outstanding claims and benefits | 11 039 | -1 119 | 9 920 | 10 371 | -903 | 9 468 |
| – for reported claims | 4 024 | -966 | 3 058 | 3 590 | -738 | 2 852 |
| – for claims not reported (IBNR) | 4 748 | -129 | 4 619 | 4 573 | -146 | 4 427 |
| – for claims handling expenses | 2 267 | -24 | 2 243 | 2 208 | -19 | 2 189 |
| Provision for the capitalized value of annuities | 6 371 | -280 | 6 091 | 6 226 | -273 | 5 953 |
| Provisions for bonuses and discounts for insureds | 6 | -1 | 5 | 2 | - | 2 |
| Technical provisions in life insurance | 23 292 | -1 | 23 291 | 23 195 | -1 | 23 194 |
| Provision for unearned premiums | 113 | -1 | 112 | 106 | -1 | 105 |
| Provision for unexpired risk | 25 | - | 25 | 51 | - | 51 |
| Life insurance provision | 16 345 | - | 16 345 | 16 309 | - | 16 309 |
| Provision for outstanding claims and benefits | 676 | - | 676 | 613 | - | 613 |
| – for reported claims | 163 | - | 163 | 175 | - | 175 |
| – for claims not reported (IBNR) | 508 | - | 508 | 433 | - | 433 |
| – for claims handling expenses | 5 | - | 5 | 5 | - | 5 |
| Provisions for bonuses and discounts for insureds | 6 | - | 6 | 6 | - | 6 |
| Other technical provisions | 164 | - | 164 | 190 | - | 190 |
| Unit-linked provision | 5 963 | - | 5 963 | 5 920 | - | 5 920 |
| Total technical provisions | 50 173 | -2 540 | 47 633 | 48 471 | -2 101 | 46 370 |
41.3.1. Technical provisions in non-life insurance
| Provisions (by accounting classes prescribed by section II of the attachment to the Insurance Activity Act) | 31 December 2021 | 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Accident and sickness insurance (group 1 and 2) | 1 014 | -125 | 889 | 708 | -23 | 685 |
| Motor third party liability insurance (group 10) | 15 314 | -670 | 14 644 | 15 030 | -643 | 14 387 |
| Other motor insurance (group 3) | 3 248 | -35 | 3 213 | 3 006 | -30 | 2 976 |
| Marine, aviation and transport insurance (groups 4, 5, 6, 7) | 177 | -78 | 99 | 169 | -82 | 87 |
| Insurance against fire and other property damage (groups 8 and 9) | 3 308 | -1 020 | 2 288 | 2 797 | -794 | 2 003 |
| TPL insurance (groups 11, 12, 13) | 2 721 | -259 | 2 462 | 2 519 | -187 | 2 332 |
| Credit and suretyship (groups 14, 15) | 251 | -131 | 120 | 237 | -105 | 132 |
| Assistance (group 18) | 430 | -1 | 429 | 375 | -2 | 373 |
| Legal protection (group 17) | 23 | - | 23 | 20 | - | 20 |
| Other (group 16) | 395 | -220 | 175 | 415 | -234 | 181 |
| Total technical provisions | 26 881 | -2 539 | 24 342 | 25 276 | -2 100 | 23 176 |
| Technical provisions in non-life insurance | 31 December 2021 | 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Short-term | 5 669 | -646 | 5 023 | 5 216 | -550 | 4 666 |
| Long-term | 21 212 | -1 893 | 19 319 | 20 060 | -1 550 | 18 510 |
| Total technical provisions | 26 881 | -2 539 | 24 342 | 25 276 | -2 100 | 23 176 |
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 2021.
Movement in provisions
| Movement in the provision for unearned premiums in non-life insurance | 1 January – 31 December 2021 | 1 January – 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Beginning of the period | 8 645 | -924 | 7 721 | 8 765 | -856 | 7 909 |
| Increase (reduction) of provisions relating to policies concluded in the current year | 8 466 | -785 | 7 681 | 7 684 | -732 | 6 952 |
| Increase (reduction) of provisions relating to policies concluded in previous years | -7 696 | 572 | -7 124 | -7 851 | 659 | -7 192 |
| Foreign exchange differences in the period | 8 | -2 | 6 | 47 | 5 | 52 |
| Total technical provisions | 9 423 | -1 139 | 8 284 | 8 645 | -924 | 7 721 |
| Movement in provision for unexpired risk | 1 January – 31 December 2021 | 1 January – 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Beginning of the period | 32 | - | 32 | 14 | - | 14 |
| Increase (reduction) of provisions relating to policies concluded in the current year | 31 | - | 31 | 26 | - | 26 |
| Increase (reduction) of provisions relating to policies concluded in previous years | -21 | - | -21 | -10 | - | -10 |
| Foreign exchange differences in the period | - | - | - | 2 | - | 2 |
| End of the period | 42 | - | 42 | 32 | - | 32 |
| Movement in the provision for outstanding claims and benefits in non-life insurance | 1 January – 31 December 2021 | 1 January – 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Beginning of the period | 10 371 | -903 | 9 468 | 9 676 | -785 | 8 891 |
| Benefits paid related to losses incurred in previous years, including: | -2 546 | 89 | -2 457 | -2 964 | 282 | -2 682 |
| – claims paid | -2 138 | 87 | -2 051 | -2 559 | 278 | -2 281 |
| – claims handling expenses | -408 | 2 | -406 | -405 | 4 | -401 |
| Increase (reduction) of provisions, including: | 3 204 | -298 | 2 906 | 3 635 | -406 | 3 229 |
| – relating to losses incurred in the current year | 3 923 | -280 | 3 643 | 3 595 | -217 | 3 378 |
| – relating to losses incurred in previous years | -719 | -18 | -737 | 40 | -189 | -149 |
| Other changes | - | -1 | -1 | - | -4 | -4 |
| Foreign exchange differences in the period | 10 | -6 | 4 | 24 | 10 | 34 |
| End of the period | 11 039 | -1 119 | 9 920 | 10 371 | -903 | 9 468 |
| Movement in provision for the capitalized value of annuities in non-life insurance | 1 January – 31 December 2021 | 1 January – 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Beginning of the period | 6 226 | -273 | 5 953 | 5 999 | -215 | 5 784 |
| Claims paid related to losses incurred in previous years | -280 | 11 | -269 | -272 | 7 | -265 |
| Increase (reduction) of provisions relating to losses incurred in previous years | 104 | -33 | 71 | 196 | -76 | 120 |
| Changes in assumptions resulting from movements in technical rates | -9 | - | -9 | -10 | - | -10 |
| Increase in provisions relating to losses incurred in the current year | 330 | 15 | 345 | 305 | 12 | 317 |
| Other changes | - | - | - | 8 | -1 | 7 |
| End of the period | 6 371 | -280 | 6 091 | 6 226 | -273 | 5 953 |
41.3.2. Technical provisions in life insurance
| Movement in the life insurance provision, provision for bonuses and discounts and other technical provisions – insurance contracts | 1 January – 31 December 2021 | 1 January – 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Beginning of the period | 16 505 | - | 16 505 | 16 566 | - | 16 566 |
| Increase (reduction) of provisions relating to policies concluded in the current year | 1 384 | - | 1 384 | 357 | - | 357 |
| Increase (reduction) of provisions relating to policies concluded in previous years | -1 388 | - | -1 388 | -409 | - | -409 |
| Foreign exchange differences | 14 | - | 14 | -9 | - | -9 |
| End of the period | 16 515 | - | 16 515 | 16 505 | - | 16 505 |
| Movement in unit-linked life insurance provision | 1 January – 31 December 2021 | 1 January – 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Beginning of the period | 5 920 | - | 5 920 | 5 578 | - | 5 578 |
| Fund increases due to premiums | 1 193 | - | 1 193 | 1 273 | - | 1 273 |
| Fees charged | -104 | - | -104 | -105 | - | -105 |
| Income on fund’s investments | -75 | - | -75 | 354 | - | 354 |
| Fund reductions due to claims, surrenders etc. | -921 | - | -921 | -1 143 | - | -1 143 |
| Other changes | -50 | - | -50 | -37 | - | -37 |
| End of the period | 5 963 | - | 5 963 | 5 920 | - | 5 920 |
| Movement in provisions for outstanding claims and benefits | 1 January – 31 December 2021 | 1 January – 31 December 2020 | ||||
| gross | reinsurers’ share | net | gross | reinsurers’ share | net | |
| Beginning of the period | 613 | - | 613 | 622 | - | 622 |
| Claims provisions used during the year | -613 | - | -613 | -620 | - | -620 |
| Claims provisions recognized during the year | 676 | - | 676 | 611 | - | 611 |
| End of the period | 676 | - | 676 | 613 | - | 613 |