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<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT21
  Version: 20261209.a
  Release date: April, 2026
-->
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  <xs:element abstract="true" id="jenv-bw2-abstr_TechnicalProvisionsOtherTitle" name="TechnicalProvisionsOtherTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="jenv-bw2-abstr_TechnicalProvisionsProfitSharingAndDiscountsTitle" name="TechnicalProvisionsProfitSharingAndDiscountsTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="jenv-bw2-abstr_TechnicalProvisionsTitle" name="TechnicalProvisionsTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="jenv-bw2-abstr_TechnicalProvisionsUnearnedPremiumsUnexpiredRisksTitle" name="TechnicalProvisionsUnearnedPremiumsUnexpiredRisksTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="jenv-bw2-abstr_UnrealisedChangesInValueOfInvestmentsTitle" name="UnrealisedChangesInValueOfInvestmentsTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xs:schema>
