26. Net insurance benefits and claims expense Group 2022 2021 R’m R’m Gross Long-term insurance contracts with and without DPF – Individual sickness and incapacity benefits: Current year 2 392 2 100 – Individual sickness and incapacity benefits: Arising from prior year 5 143 – Group non-DPF component of death benefits 957 2 020 – Individual DPF component of death, retirement and resignation benefits 1 534 1 745 Short-term insurance contracts – Personal lines 123 99 – Commercial lines 8 3 – Professional indemnity 23 37 Total gross insurance benefits and claims 5 042 6 147 Reinsurance recoveries Long-term insurance contracts with and without DPF – Individual sickness and incapacity benefits (235) (184) – Death benefits (195) (478) Short-term insurance contracts – Personal lines (3) (1) – Professional indemnity (20) (33) Total reinsurance recoveries (453) (696) Total net insurance benefits and claims 4 589 5 451 155 Notes to the Consolidated Financial Statements
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