2022年全球保险公司报告

MercerMarsh Benefits Globalinsurerreport + MMB healthtrends Managingthecostandriskof employer-providedhealthcareinachangingworld benefitsthattrulybenefit GlobalinsurerreportMMBheatthtrendsManagingthecostandrissofemployerprovidedhesitheareinchangingworld WhilethecourseoftheCoViD-1g insurersacross59countries'tofindoutmore pandemicremainsunpredictableemployer-providedhealthcare. ingthefutureof itisclearthatitsimpacton employerhealthprogramswill cantforempl standardpracticesandpolicy persistforyearstocome. visions, Whilethisresearchwasundertakenbeforethe ariantwasfek weexpectthesetrendstocontinue. Toptrendsshapingemployer-providedhealthandbenefits MedicaltrendCOVID-19is ratesandclaimsimpactingclaims PreventionandHealthequityin self-careareneededmedicalplans tomitigateisagrowing areincreasingexperiencehealthrisks priority P(μow,Gujbueupeuj: Toptrendsshapingemployer-providedhealthcare MMB'sHealthtrendssurveyof210insurersacross59countriesidentifiedfourkeytrendsdrivingthefutureofemployer-providedhealthcare Accordingtetheinsurerssurveyed,9.5% medicaltrendratesreboundedin2021 andareespertedtostayarsimilarlevekin Employerimplication Employersshouldanticipatethatrenewalpremiumswillincreaseto 2022,butpandemic-relateduncertainties globalmedicaltrendratefor2022. compensateforthevolatility andgeographicdifferencesremain. covID-19isimpactingclaimsexperience IrsurersidentifiedCOVID-19sndemotional2in3Employerimplication armentalriskastapinfluenrersof empioyer-providedmedicalplancosts. Employerswillneedtcleverageacombinationofprivateandpubli insurersexpecttocoverinpatientcoveragestomeettheiremployeeneeds.TheyshouldalsobracefortheCOVID-19careIn2022. impartoffactorssuchaslongCOVIDanddeferredcare,Opportunitiesto fillthegapsinmedicelplansandtoprovidementalhealthcaretotheworkfcrcewilcontinueduring2022. Preventionandself-careareneededtomitigatehealthrisks Metabolcandcardiovasculgrrisk,along#1Employerimplication weretopareasofconcernforinsurers.therankofmetabolicand cardiovascularriskinalistofriskfactorsinfluencingemployer- sponsoredgroupmedicalcosts Thepandemitimpactedpeoale'swel-beingbehaviorsandtheit interactionswiththeheaithcaresystem.tisimportanttoencourageemployeestocontinuewithpreventvecare,suchasannualheaith screening,andtoenS.uiretheyrespertlocalguideliresandrestrictions. Healthequityinmedicalplansisagrowingpriority Insurersgremakingchangestofacilitate%0Employerimplication moreincusvemedicalplandesigns. percentageofinsurersreviewingmedicalnetworkstoensurethe Employershaveanopportunitytesupportadiverse,equitableand inciusiveworkforcebyrecognizingthatemployeeshavedfferentneedsandvalues,andthatcaremustbeaffordabletcallAstechnologyevolves, diversityofproviders. enbracingseif-careandathomesoluticnswilimpreveconvenieace andacess Section1 Medicaltrendratesandclaims areincreasing+ Globslinsunerreport.MMBhea Defining'medicaltrend'Medicaltrendrates,2018-2022 P(uow,Gujbueupeuj: Medicaltrendistheyear-over-yearccstincreaseforInsurerssawglobal2021ratesreturncloseto claimsurderamedicalplanonaper-personbasis.pre-pandemic(2019)levels,sndexpectratestestay Itreflectsavariecyoffactorsincluding:atthatlevelin2022.Itisimportanttonotethat2022 Medicalinflation(increaseinperunitcostsforthesameservite/supply) rateswillchangeoverthecourseofthisyearastheaandemkandthehealrhrisk/carelandscaaeevolves Alteredtreatmentmix(e.g.movingtomoreexpersivetreatments) Utizaticnpatterns(e.g.peoplenotatcessingservicesduetoCOv1D-19relatedrestrictions) Regulatorychanges Figure1:2018-7022MedicalTren:d 2018 2019 202D 2021 2022 Global 9.7% 5.7% 9.6% %65/6 Canada 8.5% %6'9 %0"9 Asia 10.4%, 10.2*) 3.53 68'8 10.3% Pacific 6.0% 4.6% 5.2% 5.3% 5.36 Europe 8.1% %08 3.5% 966 8.9% MiddleEastandAfrica 14.0% 11.1% 9.5% 9.5% 10.1% LatinAmericaandCaribbean 9.6% 13.4% 8.0% 10.2% 9.4% SuAparsls.A/urlutuiltfail ployer-providedP[a0WGu|5ue,peu;a Globalmedicaltrendvs.general Figure2:GlubadlMedicdlTrendvs.GerweralIniun,2018-2022 inflation,2018-20221 Inrecentyears,medicaltrendhasbeenapproximatelythreetimesgeneralinflation,Sincethepandemic,we 10.0% 9.7% 9.6% Medicaltrend haveseenthisdecreasetoapproximatelytwotctwo9.0% andahalftimesgeneralinflastionglobally. 8.0% 7.0% ushealthupdate 6.0% entsintheUnited 5.0% 4.0% Generalinflation 1,afteravoidingitthepreviousyeardue3.0% 2.0% biahe longcOvID,exnelynigh-costgeneticand 2018201920212022 Glob Medicalclaimsactivity PJuow,Guj5ueup Globally,three-quarters(75%)ofinsurerssaythatmedicalclaimsactivityistrendingupwards,withonein 70% twa(45%)insurersreportingclaimsactivitythatishigherthanpre-pandemiclevels.Overhalf(53%)ofinsurersinAsiaarestillseeingmediralrlaimsactivityatlower 60% thanpre-pandemiclevels,primarilyduetothecngoingimpactofnstionslresponsestothepandemit.Allctherregionsarereportinghigherclaimsactivitythanbefore 50% thepandemicandthatistrendingupwards. 40% 30% 20% 10% GlobalAslaEuropeLatinAmericaMiddleEast andAfrics miclevesboutthe Globol P(aow,Suj5ueup Ongoingclaimsuncertainty 40% Insurerswhohave yettoseeareturn 35% topre-pandemic leve