17. Insurance claims, benefits, and change in technical provisions

Insurance claims, benefits, and change in technical provisions	1 January– 31 December 2016	1 January– 31 December 2015
Insurance claims, benefits, and change in technical provisions	12,888	12,283
In non-life insurance	7,108	6,417
- claims and benefits in non-life insurance	6,574	5,468
- change in technical provisions in non-life insurance	(165)	304
- claims settlement expenses in non-life insurance	699	645
In life insurance	5,780	5,866
- claims and benefits in life insurance	5,843	5,455
- change in technical provisions in life insurance	(195)	272
- benefits handling expenses in life insurance	132	139
Reinsurers’ share in claims, benefits, and change in technical provisions	(156)	(426)
In non-life insurance	(156)	(426)
Total net insurance claims and benefits	12,732	11,857

Claims and benefits handling expenses, by type	1 January– 31 December 2016	1 January– 31 December 2015
Consumption of materials and energy	12	14
External services	223	233
Taxes and charges	23	27
Employee expenses	343	319
Depreciation of property, plant and equipment	14	13
Amortization of intangible assets	24	19
Other, including:	192	159
- awarded costs, penal interest and penalties awarded in cases over claims	169	147
- other	23	12
Total claims and benefits handling expenses	831	784

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