2025全球员工保险福利趋势报告：调整计划提升价值

2025 82% 46% 39% 15% 88% 80% 81% 82% 79% 72% 73%73% 76% 68% 71% 64% 62% 56% 48% 2019 2020 2021 2022 2023 2024 2025 9.7% 5.7% 10.1% 10.1% 12.0% 11.4% 10.9% 6.9% 3.9% 7.1% 7.0% 9.0% 9.0% 10.0% 10.2% 3.5% 8.9% 10.7% 12.7% 13.0% 13.0% 8.0% 3.5% 10.9% 11.4% 13.0% 11.7% 10.4% 13.4% 8.0% 11.1% 10.0% 10.0% 10.6% 10.4% 11.1% 9.6% 10.2% 9.3% 12.4% 10.6% 10.7% 4.6% 5.2% 5.0% 2.9% 9.0% 11.5% 9.3% 6 1 1 2 3 4 5 80% 87% 68% 89% 83%* 1 71% 74% 84% 83%* 57%* 2 62% 79% 61% 68% 57%* 3 • • • 1• • 2• 3 4 5 82% 80% 84% 88% 76% 43% 26% 50% 62% 48% 24% 12% 28% 29% 45% 13% 5% 21% 13% 17% 43% 50% 32% 44% 55% 123 15 2 AI 8 14 25 53 9 10 20 61 92 18 71 50 21 15 15 87 9 4 69 24 3 3 58 22 11 10 8 47 31 14 8 60 15 9 16 0 69 9 24 3 3 1 32 21 29 18 10 10 31 48 4 9 31 56 59 28 77 10 10 33 47 40 32 16 12 26 36 26 12 41 31 16 12 58 24 7 11 52 38 3 7 37 28 22 12 27 34 29 10 49 21 15 15 40 27 18 14 49 22 15 15 60 7 18 16 44 43 5 8 38 32 15 15 42 31 18 9 76 21 3 16 34 40 10 18 29 24 29 7 29 29 36 10 24 34 32 26 44 22 8 26 22 37 15 49 33 11 7 38 34 21 7 14 31 33 22 7 24 48 21 48% 46% 20%16% 123 26 3 50% 2025 50% 43% 2024 57% 32% 2023 68% 76% 52% 61% 69% 71% 47% 41% 18% 65% 54% 34% 67% 20% 62% 34% 43% 28% 35% 48% 37% 13% 56% 18% 62% 24% 33% 35% 16% 56% 44% 19% 38% 24% 34% 38% 33% 44% 19% 61% 22% 43% 42% 29% 66% 31% 30% 41% 21% 57% 34% 31% 27% 38% 38% 38% 35% 28% 31% 34% 27% 14% 17% 14% 44% 27% 42% 21% 41% 33% 39% 15% 38% 30% 38% 20% 72% 75% 76% 69% 66% 72% 75% 72% 73% 66% 56% 53% 57% 56% 55% 56% 58% 54% 56% 52% 52% 52% 49% 60% 55% 61% 66% 69% 56% 38% 30% 34% 46% 9% 10% 26% 31% 40% 4% 3% 16% 17% 28% 2% 0% 45%52%49%38%28% 123 1 2 3 4 5 36 12.0% 6.4% 11.4% 4.0% 10.9% 3.3% 11.9% 6.3% 11.3% 4.0% 10.8% 3.3% 11.9% N/A 11.0% N/A 10.8% N/A 7.1% 4.0% 7.1% 2.8% 7.9% 1.9% 9.0% 3.9% 9.0% 2.6% 10.0% 1.9% 5.2% 4.1% 5.2% 2.9% 5.8% 2.0% 12.7% 3.2% 13.0% 2.6% 13.0% 2.5% 13.5% 0.2% 9.0% 1.0% 8.7% 2.0% 10.0% 2.1% 12.0% 2.3% 9.0% 2.3% 9.6% 5.4% 11.0% 4.6% 9.9% 4.2% ©2024MercerLLC。 9.0% 5.7% 11.5% 3.3% 9.3% 2.8% 13.0% 7.2% 11.7% 3.1% 10.4% 2.5% 37 国家/地区 2023actual 实际 预测 2024预测 2025forecast 2025forecast 14.6% 3.7% 17.9% 2.6% 19.0% 2.6% 13.0% 2.5% 14.0% 2.8% 15.0% 2.5% 24.0% 6.0% 21.0% 3.6% 21.0% 3.0% 12.0% 4.8% 12.0% 3.0% 11.0% 2.5% 9.5% 3.6% 10.2% 2.5% 11.0% 2.0% 11.2% 2.5% 10.4% 1.9% 12.2% 1.6% 12.5% 1.2% 11.1% 0.7% 11.4% 1.2% 9.5% 3.3% 15.0% 3.7% 15.0% 3.4% 2.9% 5.6% 3.0% 3.5% 3.5% 3.0% 15.0% 5.7% 20.0% 3.1% 15.0% 2.5% 7.0% 7.7% 5.0% 3.9% 3.5% 2.8% 8.9% 2.3% 6.4% 3.6% 10.2% 2.0% 25.0% 8.6% 21.0% 3.4% 20.0% 2.7% 7.0% 3.4% 7.0% 1.5% 5.0% 2.0% 11.6% 9.1% 8.0% 4.2% 5.0% 2.5% 4.6% 5.7% 3.1% 2.4% 5.0% 1.8% 8.0% 4.2% 9.0% 2.7% 8.0% 2.1% 20.0% 17.1% 15.0% 3.7% 15.0% 3.5% 10.4% 5.2% 9.0% 2.4% 7.0% 2.0% 38 2024预测 11.0% 5.9% 13.0% 1.7% 10.0% 2.0% 23.0% 8.7% 18.0% 1.5% 15.0% 2.3% 6.6% 4.1% 8.5% 2.7% 8.0% 2.1% 10.0% 5.5% 12.0% 3.3% 12.0% 2.6% 26.6% 11.4% 27.7% 5.0% 20.0% 5.0% 15.0% 5.3% 13.5% 2.2% 11.0% 2.0% 19.0% 10.4% 15.0% 6.0% 15.0% 4.0% 15.0% 12.4% 13.8% 4.8% 15.0% 3.1% 8.4% 3.4% 9.3% 2.7% 9.5% 2.4% 7.0% 5.9% 8.0% 2.6% 7.0% 2.0% ⁵ 110.0% 53.9% 90.0% 59.5% 75.0% 38.4% 15.3% 7.3% 10.9% 2.5% 7.7% 2.0% 12.4% 8.8% 10.6% 7.1% 10.7% 5.7% ⁵ 30.0% 13.6% 25.0% 22.0% 25.0% 12.8% 8.0% 0.1% 7.5% 1.4% 8.0% 1.8% ⁵ 29.0% 24.4% 30.0% 32.5% 35.0% 25.7% 37.5% 37.5% 22.0% 22.3% 12.0% 11.5% 10.0% 7.7% 7.0% 6.6% 6.0% 5.5% 7.0% 7.0% 5.0% 4.9% 4.0% 3.6% 2.5% 6.1% 3.0% 2.2% 3.5% 2.5% 8.5% 6.1% 8.0% 4.4% 6.5% 5.5% 19.5% 24.7% 25.0% 26.3% 30.0% 23.0% 8.0% 0.9% 9.0% 1.3% 12.0% 1.5% 7.0% 3.1% 5.0% 2.6% 8.5% 2.4% 16.0% 2.3% 15.0% 2.3% 15.0% 2.0% 9.0% 5.9% 9.0% 4.9% 9.5% 4.5% 10.0% 1.6% 10.5% 2.1% 11.0% 2.0% 18.0% 11.0% 12.0% 11.4% 13.0% 7.8% ⁶ 10.0% 5.6% 10.6% 3.5% 10.4% 3.2% 11.8% 4.6% 12.5% 4.1% 12.7% 3.0% 5.0% 7.6% 7.5% 3.2% 7.5% 3.0% 13.5% 11.7% 15.0% 6.4% 14.0% 3.6% 11.0% 0.5% 11.0% 0.3% 11.0% 2.9% 8.0% 4.8% 7.5% 4.2% 8.5% 4.0% 10.5% 6.2% 11.5% 4.0% 10.3% 4.0% 11.0% 6.7% 11.0% 4.4% 11.0% 4.1% 14.7% 5.5% 15.3% 4.0% 14.0% 3.3% 11.5% 8.4% 12.0% 5.0% 10.5% 4.0% 10.0% 1.5% 10.8% 1.7% 10.0% 2.0% 6.9% 6.3% 5.4% 2.3% 6.2% 2.0% 6.5% 2.8% 8.0% 1.9% 9.0% 2.3% 40 NOVASOCIEDADEDESEGUROSDEANGOLA,SA AG保险AXA比利时 CarePlusUnimedNacional 保加利亚保险PLCGroupamaZastrahovaneUNIQALifeplc 加拿大公平人✎保险公司MedavieBlueCrossRBC人✎保险公司 AXACOLPATRIA ColsanitaS.A. AseguradoradelIstmoAdisaS.A.ASSACompañíadeSeguros,S.A.哥斯达黎加泛美人✎保险 欧元事故PFA养老金 HumanoSeguros ARSYunenSEGUROSRESERVAS 埃及METLIFE ALLIANZ 法国AXA法国 希腊安联欧洲信实GeneraliHellas ： NN地狱 41 Aseguradora将军 MAPFRE|Seguros危地马拉,S.A.委内瑞拉泛美人✎保险 SegurosElRobleS.A.SegurosG&T,S.A. SegurosCrefisa CarePlusUnimedNacional 亚洲保险有限公司AXA 信诺全球普通保险公司有限公司-香港 Allianz匈牙利 GroupamaBiztosítóZrt. 宏利(国际)有限公司 AXAGENERALI ITALIAMETLIFE 苏黎世保险欧洲公司 CompensaLifeViennaInsuranceGroupSE立陶宛人Branch WELLA医疗援助协会LTD AIABhd. AmMetLifeInsuranceBerhad 安联墨西哥CompañíadeSegurosGrupoNacional省 MAPFRESEGUROS SegurosAtlas,S.A. 自由健康(私人)有限