2022年全球保险公司报告-美世达

MMBhealthtrendshealthtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldWhilethecourseoftheCOVID-19pandemicremainsunpredictable,itisclearthatitsimpactonemployerhealthprogramswillpersistforyearstocome.MercerMarshBenefits(MMB)surveyed210insurersacross59countries1tofindoutmoreaboutthetoptrendsshapingthefutureofemployer-providedhealthcare.teTopToptrendsshapingemployer-providedhealthandbenefits2HealthequityinPreventionandself-careareneededCOVID-19isimpactingclaimsMedicaltrendratesandclaimsareincreasingmedicalplansisagrowingtomitigatehealthrisksexperiencepriority34EmployerimplicationeEmployerimplicationeMedicaltrendratesandclaimsareincreasingCOVID-19isimpactingclaimsexperiencesponsoredgroupmedicalcosts.Toptrendsshapingemployer-providedhealthcareMMB’sHealthtrendssurveyof210insurersacross59countriesidentifiedfourkeytrendsdrivingthefutureofemployer-providedhealthcare.9.5%globalmedicaltrendratefor2022.22in3insurersexpecttocoverinpatientCOVID-19carein2022.Preventionandself-careareneededtomitigatehealthrisksPreventionandself-careareneededtomitigatehealthrisksionsionsHealthHealthequityinmedicalplansisagrowingpriorityEmployerimplicationpercentageofinsurersreviewingpercentageofinsurersreviewingmedicalnetworkstoensurethediversityofproviders.thtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldSection1MedicaltrendratesandclaimsareincreasingtiveMBhealthtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldsMedicaltrendrates,2018-20223Insurerssawglobal2021ratesreturnclosetoiclevelsandexpectratestostayatthatlevelin2022.Itisimportanttonotethat2022rateswillchangeoverthecourseofthisyearasthepandemicandthehealthrisk/carelandscapeevolves.9.5%9.5%9.7%9.6%7%9.7%CanadaAsiaPacificEuropeCanadaAsiaPacificEuropeLatinAmericaandCaribbeanMedicaltrendGeneralinflationingthecostandriskofemployerprovidedhealthcareinachangingworldMedicaltrendGeneralinflationGlobalmedicaltrendvs.generalinflation,2018-20224USUShealthupdater%9.0%8.0%7.0%6.0%0%4.0%3.0%2.0%9.7%9.7%9.7%3.6%3.4%20182019202020212022Ratesfor2018,2019and2020areretrospective.Ratesfor2021and2022areprospective.Unweightedglobalaveragesused.ingthecostandriskofemployerprovidedhealthcareinachangingworldMedicalclaimsactivityrsrng70%0%%40%0%0%2%%48%41%441%4%8%6%4%15%15%%%%%%%4%3%1%%%AsiaGlobalAsiaEuropeMiddleEuropeMiddleEastandAfricaandCaribbeanssAboveexcludes“notapplicable”responses.ingthecostandriskofemployerprovidedhealthcareinachangingworldOngoingclaimsuncertaintyInsurerswhohaveyettoseeareturntopre-pandemiclevelsremaincautiousaboutpredictingwhenmedicalclaimswill40%5%0%5%0%7%5%9%9%5%5%4%4%2%2%9%9%9%%4%4%4%4%GlobalAsiaEuropeAsiaUnclearduetoevolvingLatinAmericaandCaribbeannCOVIDrelatedfactorsMiddleEastandAfrica%%46%42%9%40%9%7%%ingthecostandriskofemployerprovidedhealthcareinachangingworld%%46%42%9%40%9%7%%Impactonlifeinsurancenims551%ofinsurersareseeinglifeinsuranceclaimscominginabovepre-pandemiclevels0%80%70%60%50%40%30%20%10%Ifthecrisiscontinues,increasesinlifeinsuranceclaimscouldleadtohigherpremiums,tighterunderwritingpracticesorexclusions.Forexample,inIndia,wehaveseeninsurersreduceproductavailability,andrequirevaccinerecordsforcoveredlivesbeforeofferingrenewalterms.5%71%71%GlobalAsiaEGlobalAsiaLowerthanpre-pandemiclevelsAboutthesameaspre-pandemicHigherthanpre-pandemiclevelsLatinAmericaandCaribbeanMiddleEastandAfricaalthtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldEmployeractions1Planformedicaltrendratestoreturntopre-pandemiclevels,butremainagileinthefaceofvolatileclaimsandnewvariants,andifthepandemicisprotracted.2Reviewyourmedicalplanclaimsexperiencechangingclaimsactivity.3Updatecost-containmentstrategiestobalanceeconomicswithempathyandtopositionbenefitsasaninvestment,notanexpense.althtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldSection2COVID-19isimpactingclaimsexperienceDiseasesoftheDiseasesofthecirculatorysystemDiseasesofthecirculatorysystem3COVID-19althtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldMeasuringthetruecostofCOVID-19veopyCancer1122 3COVID-19Top 3COVID-19ofclaimscostbydollaramountclaimed(global) 55Gastro-intestinaldiseasesRespiratoryconditions112Topcausesofclaimsincidencebyclaimsfrequency(global)4Gastro-intestinaldiseases455%%%%ngthecostandrisk%%%%OverhalfofinsurersreportedthattheyarenotplanningtoaddpandemicorCOVID-19relatedexclusionsedngAthirdofinsurers(34%)areconsideringinvokingpre-existingconditionlimitationsrelatingtolongCOVID(orhavemadechangestodoso).Oneinfive(21%)areconsideringnewlongCOVIDexclusions.8%havealreadymadepolicychangestoaddfuturepandemic-relatedexclusions.o Norecent/plannedchangesConsideringfuturechangesalthtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldVaryinglevelsofcoverageforCOVID-19relatedclaimsreflectsvariationingovernment-fundedschemesacrosstheglobe.sreatmentsasgovernmentlargelyavailable.asttreatments.ealthtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldMentalhealthandCOVID-19TheCOVID-19pandemichasdisruptedthedeliveryofmentalhealthservicesglobally.6Measuressuchasself-isolationandquarantinehaveledtoincreasesinloneliness,anxiety,depression,insomnia,self-harmanddomesticviolence.7Manyemployeesareexperiencingnewstressorsintheireverydaylife,withGenZandMillennialsparticularlyaffected.8Oneintwoemployeessaytheywouldvalueinsurancecoveragetoreducethecostofmentalhealthtreatment.Accordingtosurveyrespondents,thenumberofinsurersprovidingmentalhealthsupporthasincreased.Justoneinfour(26%)insurersdonotprovideanymentalhealthcover,comparedtooneinthree(32%)lastyear.However,employersneedtoensurethatmentalhealthsolutionsareprovidedthatcoverthefullcarecontinuum(onthenextpage).KolaL.“GlobalmentalhealthandCOVID-19,”TheLancet.Psychiatry,7(8),(2020),pp.655–657.Kumar,A.andNayar,K.R.“COVID-19anditsmentalhealthconsequences,”JournalofMentalngthecostandriskofemployerprovidedhealthcareinachangingworldMentalhealthcarestrategyshouldaddressthefullcarecontinuumRecoveryRecoveryEarlyinterventionCrisisinterventionStartingtheconversationrlResiliencyProvidetreatmentSpecialpopulationsResiliencyProvidetreatmentSpecialpopulationsHealthinsuranceplansoftenfocusonlyonthiscomponent.MentalMentalHealthContinuumSevenoutoftenEuropeanandLatinAmericaninsurersoffermentalhealthcounselling,comparedtojustoneinthree(34%)insurersinAsia.JustSevenoutoftenEuropeanandLatinAmericaninsurersoffermentalhealthcounselling,comparedtojustoneinthree(34%)insurersinAsia.Justoneinten(10%)insurersprovidetoolstomanageaddictionandsubstanceabuse,whentwofifths(42%)ofpeopleseethisasvaluable.EmployersneedtobeawareofregionalvariationsandgapsinmentalhealthofferingsOnlyOnlyoneinthree(33%)insurersprovideorcoveraccesstovirtualmentalhealthcounselling,eventhoughalmostoneintwo(47%)peoplewouldvaluethis.Employerswhoprovideinterventionstosupportthementalhealthofemployeeswillbemorelikelytobenefitfromabettermanagedclaimsexperiencegoingforward.Providingsuchsolutionsalsohelpswiththeimportantprocessofdestigmatizingmentalhealthintheworkplace.dalthtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldWhatareyoudoingtoprovideaccesstomentalhealthprevention,managementandtreatmentaspartofyourinsuredmedicalplans?33%ofinsurersprovideorcovervirtualmentalhealthcounselling9,but47%ofemployeesratethis“highly”or“extremely”valuable10.GlobalAsiaEuropeLatinAmericaandCaribbeanMiddleEastandAfricaCoveringoutpatienttreatmentformentalhealth(psychologicaland/orpsychiatriccounselling)4%1%3%Coveringinpatienttreatmentformentalhealth40%Coveringoutpatienttreatmentformentalhealth(prescriptionmedicationprescribed)43%6%1%45%%Coveringpreventativementalhealthmeasures(resilienceormindfulnesscoaching)8%1%1%3%4%Wedonotprovideplansthatcovermentalhealthservices6%2%2%4%2%althtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldEmployeractions1MonitorcoveragefornewCOVID-19preventionandtreatmentregimens,suchasnewmedications,tounderstandemployeeaccess.2Developamentalhealthstrategyforyourworkforcethatnotonlylooksatsupportingthoseoffsickbutalsoenhancesoverallwell-being.3Review,monitorandinfluencechangestopolicylanguage.thtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldSection3Preventionandself-careareneededtomitigatehealthrisks3DiseasesofthecirculatorysystemDiseasesofthecirculatorysystem3COVID-19ngthecostandrisk3DiseasesofthecirculatorysystemDiseasesofthecirculatorysystem3COVID-19Non-communicablediseasesNon-communicablediseases(NCDs),alsoknownaschronicdiseases,arenotpassedfrompersontoperson.11NCDskill41millionpeopleeachyear,amountingto71%ofalldeathsglobally.12ReducingNCDsremainsakeypriorityforemployersandinsurers,forboththehealthoftheiremployeesandtheirbusinesses.Metabolicandcardiovascularrisk112Emotionalor2mentalrisksTopriskfactorsinfluencingOccupationalrisOccupationalriskofemployer-sponsoredgroupplans4Infectious4diseases55DietaryriskCancer1122 3COVID-19Top 3COVID-19ofclaimscostbydollaramountclaimed(global) 55Gastro-intestinaldiseasesRespiratoryconditions112Topcausesofclaimsincidencebyclaimsfrequency(global)4Gastro-intestinaldiseases455CancerthtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldMetabolicandcardiovascularrisksCanceryDiseasesofthecirculatorysystem•Insurerssurveyedreportedseasesofthecirculatorysystemasatopdriverofclaimsbydollaramountandfrequency,andtheofclaimsbydollaramountintheMiddleEastandAfrica.betesStockwell,S.,Trott,M.,Tully,M.,Shin,J.,Barnett,Y.,Butler,L.,...&Smith,L.(2021).ChangesinphysicalactivityandsedentarybehavioursfrombeforetoduringtheCOVID-19pandemiclockdown:asystematicreview.BMJOpenSport&ExerciseMedicine,7(1),e000960.Chou,C.P.,&Lin,H.S.(2021).DelayedBreastCancerDetectioninanAsianCountry(Taiwan)withLowCOVID-19Incidence.Cancermanagementandresearch,13,5899–5906./10.2147/CMAR.S314282.TheLancetOncologyCOVIDandcanceryearonTheLancetOncologyhttpsdoiorgS00148-0.Hammoudeh,A.J.,Madanat,E.,Tabbalat,R.,Ibdah,R.,Makhamreh,H.,Fakhri,M.,Khader,Y.,Mansour,O.,&Alhaddad,I.A.(2021).AcutecardiovasculareventstriggeredbytheCOVID-19pandemic-relatedstressinnon-infectedindividuals.TheJordanCOVID-19AcuteCardiovascularEvents(JoCORE)study.Reviewsincardiovascularmedicine,22(4),1677–1683.ngthecostandriskofemployerprovidedhealthcareinachangingworldCombattingNCDsduringthepandemicExploringhowtoembedself-careproductsintobenefitplansisausefultacticforemployerstoconsider.PercentPercentofinsurersgloballythatprovidethesesolutionsandservicesviaatypicalemployersponsoredgroupbenefitplan.18%Wearabletechnologytomanage8%8%18%essogDigitalhealthsolutionshelpemployersprovidecareandaremoreavailablethaneverbefore70%70%661%ofinsurersnowofferorcovertelemedicineservicesforsimplehealthissueslikearashorcoldofinsurersprovidevideo,telephoneortextaccessforthetreatmentofsignificantissuessuchasdiabetes1in5insurersofferorcoverthecostofwearabletechnologytohelpself-managewell-beingissues.201in5insurersofferorcoverthecostofwearabletechnologytohelpself-managewell-beingissues.2011in2employeesfindwearables tomanagehealthconditionslikediabetesandheartfailure“highly”or“extremely”valuable.19thtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldEmployeractions1Runcommunicationcampaignstoeducateabouttheriskofdelayingpreventivecare.2Listentoemployeestobetterunderstandwhichoftheirunmetneedsareofgreatestconcern.3Exploreopportunitiestoembedself-careanddigitalhealthintoyourbenefitplans.thtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldSection4HealthequityinmedicalplansisagrowingpriorityngthecostandriskofemployerprovidedhealthcareinachangingworldIncreasingdiversity,equityandinclusionse%%d%%inclusiveforLGBTQ+employeesChangingeligibilityrequirementstoallow%%%coverageforportionsofthe%%%maynotbepermanentfull-time%%%%%%Targetingpreventativecarecampaignsat%%%disadvantagedpopulationsat%%%forspecificconditionsMakingdependantdefinitionsmoreflexible%%47%%toallowcoveragefor%%47%%membersbeingcaredfor41%%%Addingeligibleexpensesto41%%%moreinclusiveforwomen40%%Offeringnewbenefitsandproducts40%%employeewhoworksfromhomefull-time%47%%Addingsolutionsandsupports%47%%workplacesafetyand/oroccupationalhealthDeliveringproactivemusculoskeletal%programsfocusedon%ergonomics,staminaandflexibilityIncorportatingsupportforhousing,transportation,7%andfoodintocasemanagement/7%activitiesundermedicalordisabilityplansMadechangesConsideringfutureNorecent/plannedNotsurechangeschanges%%thtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworld%%Whatisyourinsurancecompany’stopstrategicpriorityrelatingtogroupmedicalinsurance?3%2%%%34%Dataanalytics21%Providermanagement1%Preparednessplanningforpandemicsandnaturaldisasters20%Qualitycarefocusedbenefitdesign10%Planmembertechnologies6%Well-beingprograms3%Mentalhealthinitiatives2%ReducingfraudandwastewithinthenetworkngthecostandriskofemployerprovidedhealthcareinachangingworldInsurersaresettingtheirstrategicprioritieswithequityinmindTopmedicalinsurancepriorities••t•sLowermedicalinsuranceprioritieshtrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldInsurerssurveyedflaggedemotionalandmentalhealthasthesecondlargestriskfactorinfluencingemployer-sponsoredgroupmedicalcosts.However,only3%ofinsurerssaidthatmentalhealthinitiativeswereastrategicpriorityfortheirgroupmedicalinsuranceplans.htrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldInsurersareinnovatinganddiversifyingproductofferings.Environmental,SocialandGovernance(ESG)CommitmentsWearepleasedtoseethatmanyinsurersappearmoreopentoapproachesthatdrivediversity,equityandinclusion(DEI).Inouropinionthisisacriticalcomponentofbeingasociallyresponsibleemployer.Asemployerslooktomakemeaningfulchangesandbecomemoreinclusive(changesthatoftenhaveaddedcostsbutwhichbringaddedbusinessbenefits),weareoptimisticthatthiswillgeteasierasinsurersoffermoreproductoptionsandunderwritingflexibility.htrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldEmployeractions1Aspartofyourongoingvendormanagementactivities,haveESGconversationswithinsurersandunderstandwhattheyaredoinginthisfield.2DeterminetowhatextentstoaligntoyourDEIgoalsandrefineyourbenefitstrategyaccordingly.3Continuetoadvocateforbettercollectionandsharingofdatatoallowforanonymizedandaggregatedidentificationofworkforcehealthtrends,includingcodingforsocialfactorsthatinfluencehealthandwell-being.htrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldConclusionByrealigningbenefitsprogramstosupporttheworkforcenowandinthefuture,employerscanaddresscriticalgapsandcreateanadvantage.Whilementalhealthprovisionhasincreased,thischangehasprimarilyfocusedonsupportingpeopleoncetheygetsick,insteadofhelpingthemtostayhealthy.Insurersareinsteadchoosingtofocustheirstrategiceffortsonimprovingtheirabilitytocollectdatainthisarea(arguablyanimportantfirststep)andonthebettermanagementofhealthcareproviders.htrendsManagingthecostandriskofemployerprovidedhealthcareinachangingworldIfyou12345onlydofivethings…Lookatinsureroutcomesonhealth,notjustcoverage.Don’tforgettolookatpolicytermsofcoverageclosely.Encouragetheuseofqualityself-caretoolsanddigitalproducts.Don’tunderestimatetheriskofundiagnoseddiseaseandthepowerofpreventativemeasures.Embraceopportunitiestooffermoreinclusivecoverages.DoDoyouknowifyourbenefitsprogramswillsupportyourworkforcenowandintothefuture?sngthecostandriskofemployerprovidedhealthcareinachangingworldAppendixAiononlyMercerMarshBenefits2020-2022EstimatedMedicalTrendSummaryCountry/Region2020estimatedmedicaltrendrate2020estimatedinflationrate212021forecastmedicaltrendrate2021forecastinflationrate212022forecastmedicaltrendrate2022forecastinflationrate21Global7%2.4%9.6%4.1%9.5%3.6%Canada3.9%0.7%8.0%3.2%8.6%2.6%Asia3.5%8.8%2.3%%2.3%ChinaHongKongIndiaIndonesiaMalaysiaPhilippinesSingaporengthecostandriskofemployerprovidedhealthcareinachangingworldCountry/Region2020estimatedmedicaltrendrate2020estimatedinflationrate212021forecastmedicaltrendrate2021forecastinflationrate212022forecastmedicaltrendrate2022forecastinflationrate21SouthKorea7.0%0.5%7.0%2.2%5.0%1.6%Taiwan5.0%-0.2%3.9%1.6%11.6%1.5%Thailand6.3%-0.8%8.7%0.9%8.6%1.3%Vietnam11.0%3.2%10.0%2.0%10.0%2.3%Pacific5.2%1.3%5.3%2.7%5.3%2.2%Australia3.0%0.9%2.7%2.5%3.0%2.1%NewZealand7.5%1.7%8.0%3.0%7.6%2.2%Europe3.5%1.6%9.9%3.5%8.9%3.0%Belgium-11.6%0.4%3.5%2.4%1.0%2.2%Bulgaria7.0%1.2%10.0%2.1%10.0%1.9%Denmark17.5%0.3%11.0%1.4%5.0%1.6%Finland5.0%0.4%6.0%1.9%6.5%1.6%France-6.3%0.5%10.7%2.0%2.3%1.6%Greece4.1%-1.3%4.0%-0.1%3.0%0.4%Hungary13.8%3.3%14.3%4.5%12.5%3.6%Ireland8.0%-0.5%8.0%1.9%10.0%1.9%Italy3.6%-0.1%9.0%1.7%8.8%1.8%Lithuania5.0%1.1%8.0%3.0%9.0%2.8%Netherlands3.8%1.1%0.0%1.9%4.0%1.7%Norway3.0%1.3%8.0%2.6%8.0%2.0%ngthecostandriskofemployerprovidedhealthcareinachangingworldCountry/Region2020estimatedmedicaltrendrate2020estimatedinflationrate212021forecastmedicaltrendrate2021forecastinflationrate212022forecastmedicaltrendrate2022forecastinflationrate21Poland8.3%3.4%13.3%4.4%10.0%3.3%Portugal-2.5%-0.1%10.0%1.2%7.5%1.3%Romania17.5%2.6%12.6%4.3%12.0%3.4%Russia6.0%3.4%14.0%5.9%12.0%4.8%Serbia-7.5%1.6%18.0%3.0%18.0%2.7%Spain-5.6%-0.3%8.1%2.2%4.5%1.6%Sweden-2.0%0.7%2.2%2.0%3.0%1.6%Turkey13.8%12.3%17.5%17.0%25.0%15.4%Ukraine10.0%2.7%