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NET CLAIMS INCURRED FOR LIFE, GENERAL AND HEALTH INSURANCE CONTRACTS | 12 Months Ended
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Dec. 31, 2020
NET CLAIMS INCURRED FOR LIFE, GENERAL AND HEALTH INSURANCE CONTRACTS |
NET CLAIMS INCURRED FOR LIFE, GENERAL AND HEALTH INSURANCE CONTRACTS | 26 NET CLAIMS INCURRED FOR LIFE, GENERAL AND HEALTH INSURANCE CONTRACTS This item consists of the following:
|  | 2020
|  | Life |  | General |  | Health |  |
|  | insurance |  | insurance |  | insurance |  | Total
|  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000)
Gross claims, Note 16(b) |  | 1,383,344 |  | 326,183 |  | 281,627 |  | 1,991,154
Ceded claims, Note 9(b) |  | (138,573) |  | (131,444) |  | (13,024) |  | (283,041)
Net insurance claims |  | 1,244,771 |  | 194,739 |  | 268,603 |  | 1,708,113
|  | 2019
|  | Life |  | General |  | Health |  |
|  | insurance |  | insurance |  | insurance |  | Total
|  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000)
Gross claims, Note 16(b) |  | 1,001,671 |  | 524,142 |  | 326,980 |  | 1,852,793
Ceded claims, Note 9(b) |  | (100,432) |  | (208,761) |  | (12,182) |  | (321,375)
Net insurance claims |  | 901,239 |  | 315,381 |  | 314,798 |  | 1,531,418
|  | 2018
|  | Life |  | General |  | Health |  |
|  | insurance |  | insurance |  | insurance |  | Total
|  | S/(000) |  | S/(000) |  | S/(000) |  | S/(000)
Gross claims |  | 737,982 |  | 535,003 |  | 307,182 |  | 1,580,167
Ceded claims, Note 9(b) |  | (101,115) |  | (257,072) |  | (9,782) |  | (367,969)
Net insurance claims |  | 636,867 |  | 277,931 |  | 297,400 |  | 1,212,198
As of December 31, 2020 the net insurances claims for general insurance had a reduction mainly because of confinement dictated by the Government in the previous months of the year of 2020, see Note 2(b). Among the most affected branches are vehicle insurance, Mandatory Traffic Accident Insurance (“SOAT” by its acronym in Spanish) and personal accidents. Likewise, the increase in net insurances claims for Life Insurances was mainly due to the impact of COVID-19.

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