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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