70.5% 37.7% 15.0% 19.9% 5.0% 16.7% 19.8% 61.5% 43.6% 14.3% 24.9% 7.1% 17.4% 65.7% 6.6% 38.7% 18.5% 60.5% 83.4% 34.3% 69.0% 3.7% 42.8% 16.3% 65.0% 85.0% 33.1% 14.5% 31.9% 17.7% 67.2% 14.6% 9.5% 48.3% Approximately half of all complaints are of an administrative nature (50.2%), accounting for the majority of complaints in Germany (68.7%), due to the difficulties encountered by clients in understanding policy terms and in the time taken to complete the procedures.