Policyholder claims and benefits

12 Months Ended

Dec. 31, 2019

12 Policyholder claims and benefits


	2019			2018			2017
Benefits and claims paid life		18,824			19,673			23,634
Benefits and claims paid non-life		1,635			1,658			1,903
Change in valuation of liabilities for insurance contracts		30,620			(2,639	)		22,741
Change in valuation of liabilities for investment contracts		5,768			(8,143	)		(2,644	)

Other		(50	)		9			(34	)
Total		56,797			10,557			45,599

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 33,188 million positive (2018: EUR 11,326 million negative, 2017: EUR 20,524 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 2,431 million (2018: increase of EUR 1,403 million, 2017: increase of EUR 601 million).