Other notes to the Group’s Financial Statements 1–40

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3 Claims incurred
EURm 2017 2016
Claims paid
P&C insurance -3,036 -2,818
Life insurance
Insurance contracts -845 -692
Investment contracts -311 -355
Claims paid, gross -4,193 -3,865
Reinsurers' share
P&C insurance 100 73
Life insurance, insurance contracts 5 3
Reinsurers's share, total 105 76
Claims paid total, net -4,088 -3,789
Change in claims provision
P&C insurance 75 87
Life insurance, insurance contracts 0 77
Change in claims provision, gross 76 164
Reinsurers' share
P&C insurance -8 -2
Life insurance, insurance contracts -3 0
Reinsurers's share, total -11 -2
Change in claims provision, net 65 162
Group claims incurred, total -4,023 -3,627