2022年全球医疗趋势报告（英）-42页_1mb

报告摘要

2022 Global Medical Trend Rates Report Summary

Core Content

The 2022 Global Medical Trend Rates Report by Aon provides insights into the expected changes in medical plan costs across the world. The report is based on a survey of 108 Aon offices, each representing a specific country, and reflects the medical trend expectations of professionals working with employer-sponsored medical plans. The data is weighted and calculated using a geometric average to represent the overall trends in each region and globally.

The report outlines key factors influencing medical cost increases, such as the impact of the COVID-19 pandemic, technology advances, plan utilization patterns, and cost shifting from social programs. It also discusses employee cost-sharing practices, wellness initiatives, and medical plan design and financing.

Main Points

Global Overview

The world has been impacted by the pandemic for almost two years, with most countries reporting lower utilization levels in 2020/2021 compared to the pre-pandemic year of 2019.
Normalization of utilization is expected for many countries during the last quarter of 2021 or early 2022.
Medical plan coverage continues to expand, including telehealth and mental health support.
The 2022 global average Medical Trend Rate is 7.4%, compared to 7.2% in 2021.
The gap between Medical Trend Rate and general inflation remains at 5.0%.

Regional Commentaries

North America

Gross Medical Trend Rate: 6.6% (2022), 7.0% (2021)
Net Medical Trend Rate: 4.3% (2022), 4.9% (2021)
2022 vs. 2021: 7.0% / 5.0% vs. 7.0% / 5.7%
US: 6.5% / 4.1% (2022), 7.0% / 4.8% (2021)
Canada: 7.0% / 5.0% (2022), 7.0% / 5.7% (2021)
Medical Trend Rate: Expected to remain at 7%, with a slight decrease in the US due to normalization of utilization and reduced pandemic-related costs.

Australia

Medical Trend Rate: 3.2% (2022)
General Inflation: Slightly lower than 2021
Reasons for Trend: Backlog of elective surgeries, aging population, and rising costs of medical devices and technology.
Medical Trend Rate: Expected to be 3.2%, below the pre-pandemic level.

China

Medical Trend Rate: 7% (2022), similar to 2021
Impact of Pandemic: Outpatient care utilization dropped significantly, but has since normalized.
Telehealth: Continued growth in usage, contributing to the trend rate.

Hong Kong

Medical Trend Rate: 5.6% (2022)
General Inflation: Lower than 2021
Utilization: Increased above pre-pandemic levels due to delayed procedures and higher mobility
Medical Trend Rate: Expected to remain below pre-pandemic levels at 5.6%.

India

Medical Trend Rate: 13% (2022), up from 10.6% (2021)
Reasons for Increase: Higher treatment costs due to pandemic measures, increased demand for services, and limited vaccination coverage.
Medical Trend Rate: Expected to be 13%, reflecting continued concerns over deferred screenings and potential third wave.

Singapore

Medical Trend Rate: 7% (2022), similar to 2021
Reasons for Trend: High vaccination rates, normalization of claims, and increased interest in wellness programs.
Medical Trend Rate: Expected to remain 7%, with continued growth in telehealth and mental health services.

France

Medical Trend Rate: 4% (2022), similar to prior years
General Inflation: Expected to increase
Medical Trend Rate: Expected to remain 4%, with potential for upward pressure due to new pandemic-related taxes.

Ireland

Medical Trend Rate: 6% (2022)
Reasons for Trend: Normalization of procedures, increased costs in private settings, and higher investments in technology and services.
Medical Trend Rate: Expected to remain 6%, driven by pent-up demand and increased service costs.

Russia

Medical Trend Rate: 9% (2022), down from 10% (2021)
Reasons for Trend: Normalization of utilization and inflationary pressures.
Medical Trend Rate: Expected to be 9%, reflecting continued cost increases despite lower utilization.

Spain

Medical Trend Rate: 5% (2022), down from 6% (2021)
Reasons for Trend: General inflation increase and increased utilization of outpatient and telehealth services.
Medical Trend Rate: Expected to be 5%, below prior year levels.

United Kingdom

Medical Trend Rate: 6.5% (2022), similar to pre-pandemic levels
Reasons for Trend: Normalization of utilization and increased mental health and telehealth claims.
Medical Trend Rate: Expected to remain 6.5%, with continued upward pressures from delayed diagnoses and increased mental health cases.

Brazil

Medical Trend Rate: 12.3% (2022), up from 10.6% (2021)
Reasons for Trend: Continued increase in medical service costs and currency depreciation.
Medical Trend Rate: Expected to be 12.3%, reflecting the ongoing impact of the pandemic and economic factors.

Colombia

Medical Trend Rate: 4.5% (2022), down from 5.5% (2021)
Reasons for Trend: Normalization of utilization and reduced general inflation.
Medical Trend Rate: Expected to be 4.5%, with continued focus on mental health and telehealth.

Mexico

Medical Trend Rate: 16% (2022), up from 10.6% (2021)
Reasons for Trend: Deferred treatments for non-COVID-19 conditions, increased costs for hospital services, and long-term post-pandemic effects.
Medical Trend Rate: Expected to remain 16%, reflecting ongoing challenges.

Peru

Medical Trend Rate: 11.1% (2022), down from 12% (2021)
Reasons for Trend: Normalization of utilization and continued cost pressures from new technologies and pandemic-related treatments.
Medical Trend Rate: Expected to remain 11.1%, similar to 2021.

Puerto Rico

Medical Trend Rate: 6.1% (2022), down from 7.1% (2021)
Reasons for Trend: Reduced utilization and cost-containment efforts by insurance carriers.
Medical Trend Rate: Expected to remain 6.1%, with lower cost pressures.

Angola

Medical Trend Rate: 15% (2022), down from 15% (2021)
Reasons for Trend: Stabilized exchange rates and limited pandemic impact on private coverage.
Medical Trend Rate: Expected to be 15%, with a downward trend compared to the prior year.

Nigeria

Medical Trend Rate: 18.5% (2022), up from 17.6% (2021)
Reasons for Trend: High cost of medicines and equipment due to currency depreciation and low vaccination rates.
Medical Trend Rate: Expected to be 18.5%, significantly above general inflation.

Saudi Arabia

Medical Trend Rate: 13% (2022), up from 12.0% (2021)
Reasons for Trend: Increased demand for high-quality care, limited supply of services, and expanded coverage for parents.
Medical Trend Rate: Expected to be 13%, with continued upward pressure.

United Arab Emirates

Medical Trend Rate: 9% (2022), down from 10.6% (2021)
Reasons for Trend: Normalization of utilization and introduction of DRGs to control costs.
Medical Trend Rate: Expected to be 9%, below historical levels.

South Africa

Medical Trend Rate: 5% (2022), down from 6.5% (2021)
Reasons for Trend: Normalization of utilization and contribution limits recommended by the Council for Medical Schemes.
Medical Trend Rate: Expected to be 5%, with a downward trend compared to prior years.

Key Trends

Utilization Patterns: Many countries reported lower utilization in 2020/2021 due to lockdowns, but are now seeing a return to normal levels.
Mental Health & Telehealth: These services have seen a significant increase in utilization, especially in Asia-Pacific and Europe.
Cost Drivers: Rising costs of medical services, new technologies, and chronic conditions continue to drive medical trend rates.
Employee Cost-Sharing: The report highlights the growing trend of requiring employees to share in medical plan costs, with varying practices across countries.
Wellness Initiatives: Employers are increasingly investing in wellness programs to address rising medical costs and promote a healthier workforce.

Call to Action

Employers should optimize medical plan design, financial strategy, and delivery mechanisms to manage rising costs.
Wellness programs are crucial to promoting a healthy workforce and reducing long-term medical costs.
Employee cost-sharing and health promotion initiatives are essential to controlling medical plan expenses.
The long-term solution involves providing robust health and wellness benefits to all employees and their families.

Conclusion

The report underscores the ongoing impact of the pandemic on medical plan utilization and cost trends, as well as the need for proactive cost management and wellness initiatives. The global Medical Trend Rate is expected to remain slightly above general inflation, with North America and Middle East & Africa being the most affected regions. The 2022 report serves as a critical tool for multinational companies to budget for medical plan renewals, understand cost drivers, and implement cost-containment strategies.