Policyholder claims and benefits

12 Months Ended

Dec. 31, 2018

12 Policyholder claims and benefits


	2018			2017			2016
Benefits and claims paid life		19,673			23,634			23,877
Benefits and claims paid non-life		1,658			1,903			2,052
Change in valuation of liabilities for insurance contracts		(2,639	)		22,741			16,193
Change in valuation of liabilities for investment contracts		(8,143	)		(2,644	)		(104	)
Other		9			(34	)		(45	)
Total		10,557			45,599			41,974

Policyholder claims and benefits includes claims and benefits in excess of account value for products for which deposit accounting is applied and the change in valuation of liabilities for insurance and investment contracts. The lines ‘‘Change in valuation of liabilities for insurance contracts’’ and ‘‘Change in valuation of liabilities for investment contracts’’ reflect movements in technical provisions resulting from “Net fair value change on for account of policyholder financial assets at fair value through profit or loss” included in note 10 Results from financial transactions of EUR 11,326 million negative (2017: EUR 20,524 million positive, 2016: EUR 15,121 million positive). In addition, the line ‘‘Change in valuation of liabilities for insurance contracts’’ includes an increase of technical provisions for life insurance contracts of EUR 1,403 million (2017: increase of EUR 601 million, 2016: increase of EUR 2,349 million).