02-05-11 – Helsana AR 2019

11. Technical provisions

Figures in CHF thousand	Provision for claims and benefits ¹	Actuarial reserve ²	Provision for policyholder participation	Claims equalisation reserve	Other technical provisions ³	Total

As at 31.12.2017	1,555,469	418,343	89,774	964,014	610,499	3,638,098
Creation	1,405,713	15,426	1,217,916	124,456	180,507	2,944,018
Release	–1,219,495	–25,281	–1,220,388	–87,176	–125,190	–2,677,530
As at 31.12.2018	1,741,687	408,488	87,302	1,001,294	665,816	3,904,586

Figures in CHF thousand	Provision for claims and benefits ¹	Actuarial reserve ²	Provision for policyholder participation	Claims equalisation reserve	Other technical provisions ³	Total

As at 31.12.2018	1,741,687	408,488	87,302	1,001,294	665,816	3,904,586
Creation	1,749,742	95,343	63,718	216,304	39,343	2,164,450
Release	–1,830,775	–40,004	–62,652	–179,704	–76,880	–2,190,015
As at 31.12.2019	1,660,654	463,827	88,368	1,037,894	628,279	3,879,021

1 The amount of reinsurance in the provisions for claims and benefits was CHF 0 as at 31 December 2019 CHF (0 as at 31.12.2018).

2 The actuarial reserves were discounted with a technical interest rate of 2.75 per cent for the accident years up to 2013 and 2.0 per cent for 2014, 2015, 2016, 2017, 2018 and 2019 (average term: 15 years).

3 The other technical provisions comprise provisions for other compulsory health insurance products (OKP; models such as HAV/HMO). Ageing reserves were discounted with a technical interest rate of 1.0 per cent.