深度-怡安翰威特-2021年全球医疗趋势报告（英文）-2021.6-39页_23mb

2021 Global Medical Trend Rates Report Summary

Core Content

This report presents the findings of Aon's 2021 global survey on medical trend rates, focusing on the expected changes in medical plan costs across various countries. The survey includes data from 107 Aon offices, each representing a specific country, and is based on interactions with clients and carriers. The report does not include employer countermeasures or negotiations with carriers in its calculations.

Main Points

Global Overview

• The global economic slowdown caused by the COVID-19 pandemic led to a significant reduction in medical plan utilization in 2020.
• 2021 Medical Trend Rate is expected to be lower than 2020, with a global average of 7.2%, compared to 8.0% in 2020.
• Net Medical Trend Rate (difference between medical trend and general inflation) is expected to increase slightly from 4.9% to 5.0%.
• North America is the only region with a slight increase in the Medical Trend Rate, while other regions are expected to see a decline.
• Latin America and the Caribbean (LAC) will have the highest average Medical Trend Rate in 2021.

Key Drivers of Medical Trend Rates

• General inflation has a minimal impact in some countries, such as Canada, but significant influence in others, like the UK and Spain.
• Technological advances, aging populations, and increased awareness of health are contributing to rising medical costs in countries like China and Singapore.
• Deferred treatments and long-term health impacts of the pandemic are expected to lead to increased medical claims in the future.
• New security protocols and cost shifting from public to private systems are also contributing to higher trend rates.

Key Information

Medical Plan Features

• Inpatient Hospitalization is prevalent in 88% of countries.
• Outpatient Services are present in 84% of countries.
• Prescription Drugs are covered in 75% of countries.
• Dental benefits are available in 63% of countries.
• Vision benefits are present in 62% of countries.
• Preventive Medicine is included in 68% of countries.

Medical Plan Financing Approaches

• North America shows a mixed approach to financing, with both self-insurance and insurance being common.
• Asia-Pacific (APAC) and Europe are dominated by insurance as the primary financing method.
• Latin America and the Caribbean (LAC) and Middle East and Africa (MEA) show self-insurance and mixed approaches.

Employee Cost-Sharing

• Employee cost-sharing is a key component of medical cost mitigation strategies.
• 70% of countries report employee sharing of medical premiums.
• Employee sharing of claim outlays (deductibles, co-pays, etc.) is also common, though the exact percentage varies by region.

Regional Highlights

Call to Action

• Employers should optimize medical plan design, financial strategy, and delivery mechanisms to address rising costs.
• Wellness and health promotion initiatives are essential to managing long-term medical cost trends.
• Employers need to create a supportive environment for employee well-being, considering changes in workforce patterns, such as remote work.
• Regional customization is critical for effective cost mitigation, as the drivers of medical costs vary significantly across countries.

Conclusion

The 2021 Medical Trend Rates reflect a global decline in trend rates, with North America being the only exception. The Net Medical Trend Rate is expected to increase slightly due to the long-term effects of the pandemic and ongoing health challenges. Employers are advised to focus on wellness, cost-containment strategies, and region-specific approaches to manage medical plan costs effectively.