The total gross premiums(bruto premies) of €45,048 millions in 2014 for ongevallen en ziekte verzekering(accident and health insurance) is made up of €37,181 millions for ziektekostenverzekeringen, basis(health insurance, basic), €4,314 millions for ziektekostenverzekeringen, aanvullend(health insurance, supplementary) and €3,553 millions for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance).
The total gross premiums(bruto premies) for ziektekostenverzekeringen, basis(health insurance, basic) in 2014 is €37,181 millions, an increase of €233 millions or 0.63% compares to €36,948 millions in 2013. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, basis in 2014 is €36,021 millions, an increase of €550 millions or 1.55% compares to €35,471 millions in 2013.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, basis in 2014 is €36,067 millions, an increase of €140 millions or 0.39% compares to €35,927 millions 2013. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, basis in 2014 is €34,931 millions, an increase of €736 millions or 2.15% compares to €34,195 millions in 2013. This shows the claims paid for ziektekostenverzekeringen, basis has increase inline with the increase in premiums collected in 2014.

The total gross premiums(bruto premies) for ziektekostenverzekeringen,aanvullend(health insurance, supplementary) in 2014 is €4,314 millions, a decrease of €119 millions or 2.68% compares to €4,433 millions in 2013. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, aanvullend in 2014 is €4,260 millions, a decrease of €163 millions or 3.69% compares to €4,423 millions in 2013.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, aanvullend in 2014 is €3,875 millions, an increase of €72 millions or 1.89% compares to €3,803 millions 2013. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, aanvullend in 2014 is €3,867 millions, an increase of €68 millions or 1.79% compares to €3,799 millions in 2013. This shows the claims paid for ziektekostenverzekeringen, aanvullend has increase despite the decrease in premiums collected in 2014.

The total gross premiums(bruto premies) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance) in 2014 is €3,553 millions, a decrease of €181 millions or 4.85% compares to €3,734 millions in 2013. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2014 is €3,501 millions, a decrease of €116 millions or 3.21% compares to €3,617 millions in 2013.
The total gross claims paid(bruto betaalde schade) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2014 is €2,463 millions, a decrease of €149 millions or 5.70% compares to €2,612 millions 2013. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2014 is €2,327 millions, a decrease of €118 millions or 4.83% compares to €2,445 millions in 2013. This shows the claims paid for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen has decreased inline with the decrease in premiums collected in 2014.

The total gross premiums(bruto premies) for ongevallen en ziekte verzekering(accident and health insurance) in 2013 is €45,115 millions, an increase of €1,311 millions or 2.99% compares to €43,804 millions in 2012. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ongevallen en ziekte verzekering in 2013 is €43,509 millions, an increase of €1,466 millions or 3.49% compares to €42,043 millions in 2012.
The total gross claims paid(bruto betaalde schade) for ongevallen en ziekte verzekering in 2013 is €42,341 millions, an increase of €6,217 millions or 17.21% compares to €36,124 millions 2012. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ongevallen en ziekte verzekering in 2013 is €40,440 millions, an increase of €6,282 millions or 18.39% compares to €34,158 millions in 2012. This shows the claims paid for ongevallen en ziekte verzekering has increased inline with the increase in premiums collected in 2013.

Ziektekostenverzekeringen, Basis vs Ziektekostenverzekeringen, Aanvullen vs Arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen
The total gross premiums(bruto premies) of €45,115 millions in 2013 for ongevallen en ziekte verzekering(accident and health insurance) is made up of €36,948 millions for ziektekostenverzekeringen, basis(health insurance, basic), €4,433 millions for ziektekostenverzekeringen, aanvullend(health insurance, supplementary) and €3,734 millions for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance).
The total gross premiums(bruto premies) for ziektekostenverzekeringen, basis(health insurance, basic) in 2013 is €36,948 millions, an increase of €1,705 millions or 4.84% compares to €35,243 millions in 2012. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, basis in 2013 is €35,471 millions, an increase of €1,813 millions or 5.39% compares to €33,658 millions in 2012.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, basis in 2013 is €35,927 millions, an increase of €6,110 millions or 20.49% compares to €29,817 millions 2012. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, basis in 2013 is €34,195 millions, an increase of €6,133 millions or 21.86% compares to €28,062 millions in 2012. This shows the claims paid for ziektekostenverzekeringen, basis has increase inline with the increase in premiums collected in 2013.

The total gross premiums(bruto premies) for ziektekostenverzekeringen,aanvullend(health insurance, supplementary) in 2013 is €4,433 millions, a decrease of €248 millions or 5.30% compares to €4,681 millions in 2012. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, aanvullend in 2013 is €4,423 millions, a decrease of €275 millions or 5.85% compares to €4,698 millions in 2012.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, aanvullend in 2013 is €3,803 millions, a decrease of €85 millions or 2.19% compares to €3,888 millions 2012. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, aanvullend in 2013 is €3,799 millions, a decrease of €88 millions or 2.26% compares to €3,887 millions in 2012. This shows the claims paid for ziektekostenverzekeringen, aanvullend has decrease inline with the decrease in premiums collected in 2013.

The total gross premiums(bruto premies) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance) in 2013 is €3,734 millions, a decrease of €146 millions or 3.76% compares to €3,880 millions in 2012. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2013 is €3,617 millions, a decrease of €70 millions or 1.90% compares to €3,687 millions in 2012.
The total gross claims paid(bruto betaalde schade) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2013 is €2,612 millions, an increase of €194 millions or 8.02% compares to €2,418 millions 2012. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2013 is €2,445 millions, an increase of €236 millions or 10.68% compares to €2,209 millions in 2012. This shows the claims paid for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen has increased even though the premiums collected in 2013 has decreased.

The total gross premiums(bruto premies) for ongevallen en ziekte verzekering(accident and health insurance) in 2012 is €43,804 millions, a decrease of €699 millions or 1.57% compares to €44,503 millions in 2011. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ongevallen en ziekte verzekering in 2012 is €42,043 millions, an increase of €1,100 millions or 2.69% compares to €40,943 millions in 2011.
The total gross claims paid(bruto betaalde schade) for ongevallen en ziekte verzekering in 2012 is €36,124 millions, a decrease of €3,868 millions or 9.67% compares to €39,992 millions 2011. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ongevallen en ziekte verzekering in 2012 is €34,158 millions, a decrease of €2,866 millions or 7.74% compares to €37,024 millions in 2011. This shows the claims paid for ongevallen en ziekte verzekering has decreased inline with the decrease in premiums collected in 2012.

Ziektekostenverzekeringen, Basis vs Ziektekostenverzekeringen, Aanvullen vs Arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen
The total gross premiums(bruto premies) of €43,804 millions in 2012 for ongevallen en ziekte verzekering(accident and health insurance) is made up of €35,243 millions for ziektekostenverzekeringen, basis(health insurance, basic), €4,681 millions for ziektekostenverzekeringen, aanvullend(health insurance, supplementary) and €3,880 millions for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance).
The total gross premiums(bruto premies) for ziektekostenverzekeringen, basis(health insurance, basic) in 2012 is €35,243 millions, a decrease of €675 millions or 1.88% compares to €35,918 millions in 2011. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, basis in 2012 is €33,658 millions, an increase of €941 millions or 2.88% compares to €32,717 millions in 2011.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, basis in 2012 is €29,817 millions, a decrease of €3,981 millions or 11.78% compares to €33,798 millions 2011. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, basis in 2012 is €28,062 millions, a decrease of €2,945 millions or 9.50% compares to €31,007 millions in 2011. This shows the claims paid for ziektekostenverzekeringen, basis has decrease inline with the decrease in premiums collected in 2012.

The total gross premiums(bruto premies) for ziektekostenverzekeringen,aanvullend(health insurance, supplementary) in 2012 is €4,681 millions, an increase of €134 millions or 2.95% compares to €4,547 millions in 2011. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, aanvullend in 2012 is €4,698 millions, an increase of €147 millions or 3.23% compares to €4,551 millions in 2011.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, aanvullend in 2012 is €3,888 millions, an increase of €1 millions or 0.03% compares to €3,887 millions 2011. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, aanvullend in 2012 is €3,887 millions, an increase of €1 millions or 0.03% compares to €3,886 millions in 2011. This shows the claims paid for ziektekostenverzekeringen, aanvullend has only increase marginally with the increase in premiums collected in 2012.

The total gross premiums(bruto premies) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance) in 2012 is €3,880 millions, a decrease of €158 millions or 3.91% compares to €4,038 millions in 2011. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2012 is €3,687 millions, an increase of €13 millions or 0.35% compares to €3,674 millions in 2011.
The total gross claims paid(bruto betaalde schade) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2012 is €2,418 millions, an increase of €111 millions or 4.81% compares to €2,307 millions 2011. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2012 is €2,209 millions, an increase of €77 millions or 3.61% compares to €2,132 millions in 2011. This shows the claims paid for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen has increased even though the premiums collected in 2012 has decreased.

The total gross premiums(bruto premies) for ongevallen en ziekte verzekering(accident and health insurance) in 2011 is €44,503 millions, an increase of €1,148 millions or 2.65% compares to €43,355 millions in 2010. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ongevallen en ziekte verzekering in 2011 is €40,943 millions, an increase of €199 millions or 0.49% compares to €40,744 millions in 2010.
The total gross claims paid(bruto betaalde schade) for ongevallen en ziekte verzekering in 2011 is €39,992 millions, an increase of €2,057 millions or 5.42% compares to €37,935 millions 2010. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ongevallen en ziekte verzekering in 2011 is €37,024 millions, an increase of €1,481 millions or 4.17% compares to €35,543 millions in 2010. This shows the claims paid for ongevallen en ziekte verzekering has continued to increase inline with the increase in premiums collected in 2011.

Ziektekostenverzekeringen, Basis vs Ziektekostenverzekeringen, Aanvullen vs Arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen
The total gross premiums(bruto premies) of €44,503 millions in 2011 for ongevallen en ziekte verzekering(accident and health insurance) is made up of €35,918 millions for ziektekostenverzekeringen, basis(health insurance, basic), €4,547 millions for ziektekostenverzekeringen, aanvullend(health insurance, supplementary) and €4,038 millions for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance).
The total gross premiums(bruto premies) for ziektekostenverzekeringen, basis(health insurance, basic) in 2011 is €35,918 millions, an increase of €848 millions or 2.42% compares to €35,070 millions in 2010. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, basis in 2011 is €32,717 millions, a decrease of €61 millions or 0.19% compares to €32,778 millions in 2010.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, basis in 2011 is €33,798 millions, an increase of €1,610 millions or 5.00% compares to €32,188 millions 2010. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, basis in 2011 is €31,007 millions, an increase of €1,021 millions or 3.40% compares to €29,986 millions in 2010. This shows the claims paid for ziektekostenverzekeringen, basis has continued to increase inline with the increase in premiums collected in 2011.

The total gross premiums(bruto premies) for ziektekostenverzekeringen,aanvullend(health insurance, supplementary) in 2011 is €4,547 millions, an increase of €230 millions or 5.33% compares to €4,317 millions in 2010. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, aanvullend in 2011 is €4,551 millions, an increase of €262 millions or 6.11% compares to €4,289 millions in 2010.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, aanvullend in 2011 is €3,887 millions, an increase of €272 millions or 7.52% compares to €3,615 millions 2010. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, aanvullend in 2011 is €3,886 millions, an increase of €273 millions or 7.56% compares to €3,613 millions in 2010. This shows the claims paid for ziektekostenverzekeringen, aanvullend has continued to increase inline with the increase in premiums collected in 2011.

The total gross premiums(bruto premies) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance) in 2011 is €4,038 millions, an increase of €70 millions or 1.76% compares to €3,968 millions in 2010. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2011 is €3,674 millions, a decrease of €4 millions or 0.11% compares to €3,678 millions in 2010.
The total gross claims paid(bruto betaalde schade) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2011 is €2,307 millions, an increase of €175 millions or 8.21% compares to €2,132 millions 2010. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2011 is €2,132 millions, an increase of €188 millions or 9.67% compares to €1,944 millions in 2010. This shows the claims paid for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen has increase inline with the increase in premiums collected in 2011.

The total gross premiums(bruto premies) for ongevallen en ziekte verzekering(accident and health insurance) in 2010 is €43,355 millions, an increase of €2,863 millions or 7.07% compares to €40,492 millions in 2009. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ongevallen en ziekte verzekering in 2010 is €40,744 millions, an increase of €2007 millions or 5.18% compares to €38,737 millions in 2009.
The total gross claims paid(bruto betaalde schade) for ongevallen en ziekte verzekering in 2010 is €37,935 millions, an increase of €1,607 millions or 4.42% compares to €36,328 millions 2009. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ongevallen en ziekte verzekering in 2010 is €35,543 millions, an increase of €491 millions or 1.4% compares to €35,052 millions in 2009. This shows the claims paid for ongevallen en ziekte verzekering has continued to increase inline with the increase in premiums collected in 2010.

Ziektekostenverzekeringen, Basis vs Ziektekostenverzekeringen, Aanvullen vs Arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen
The total gross premiums(bruto premies) of €43,355 millions in 2010 for ongevallen en ziekte verzekering(accident and health insurance) is made up of €35,070 millions for ziektekostenverzekeringen, basis(health insurance, basic), €4,317 millions for ziektekostenverzekeringen, aanvullend(health insurance, supplementary) and €3,968 millions for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance).
The total gross premiums(bruto premies) for ziektekostenverzekeringen, basis(health insurance, basic) in 2010 is €35,070 millions, an increase of €2,734 millions or 8.45% compares to €32,336 millions in 2009. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, basis in 2010 is €32,778 millions, an increase of €1,808 millions or 5.84% compares to €30,970 millions in 2009.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, basis in 2010 is €32,188 millions, an increase of €1,437 millions or 4.67% compares to €30,751 millions 2009. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, basis in 2010 is €29,986 millions, an increase of €237 millions or 0.8% compares to €29,749 millions in 2009. This shows the claims paid for ziektekostenverzekeringen, basis has continued to increase inline with the increase in premiums collected in 2010.

The total gross premiums(bruto premies) for ziektekostenverzekeringen,aanvullend(health insurance, supplementary) in 2010 is €4,317 millions, an increase of €122 millions or 2.91% compares to €4,195 millions in 2009. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for ziektekostenverzekeringen, aanvullend in 2010 is €4,289 millions, an increase of €98 millions or 2.34% compares to €4,191 millions in 2009.
The total gross claims paid(bruto betaalde schade) for ziektekostenverzekeringen, aanvullend in 2010 is €3,615 millions, an increase of €97 millions or 2.76% compares to €3,518 millions 2009. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for ziektekostenverzekeringen, aanvullend in 2010 is €3,613 millions, an increase of €96 millions or 2.73% compares to €3,517 millions in 2009. This shows the claims paid for ziektekostenverzekeringen, aanvullend has continued to increase inline with the increase in premiums collected in 2010.

The total gross premiums(bruto premies) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen(accident insurance and other health insurance) in 2010 is €3,968 millions, an increase of €7 millions or 0.18% compares to €3,961 millions in 2009. The earned premiums, net of reinsurance(verdiende premie eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2010 is €3,678 millions, an increase of €103 millions or 2.88% compares to €3,575 millions in 2009.
The total gross claims paid(bruto betaalde schade) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2010 is €2,132 millions, an increase of €72 millions or 3.5% compares to €2,060 millions 2009. The total claims incurred, net of reinsurance(geleden schaden, eigen rekening) for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen in 2010 is €1,944 millions, an increase of €158 millions or 8.85% compares to €1,786 millions in 2009. This shows the claims paid for arbeidsongeschiktheids verzekeringen en overig ziekte- en ongevallen verzekeringen has increase inline with the increase in premiums collected in 2010.