2022年全球医疗趋势报告.docx

2022年全球医疗趋势报告AON发布了“2022年全球医疗趋势报告”。报告发布时，新冠大流行已经持续影响世界近两年，各种经济放缓直接影响了企业赞助医疗计划。大约60%的受访国家报告2020/2021年的水平低于或远低于2019年大流行前一年。尽管新冠对延期治疗和长期医疗保健的影响仍存在相当大的不确定性，但大多数国家报告的计划水平正在恢复。预计在2021年最后一个季度或2022年初会正常化。尽管发生了大流行，并且由于其潜在的长期影响而加剧，但企业赞助的医疗计划仍然非常普遍，其中保险是最常见且不断增长的融资方式。此外，这些医疗计划提供的条款范围继续扩大，而大多数本地顶级保险公司直接或通过第三方提供者将其保障范围扩大到包括远程医疗服务和/或心理健康支持。由于通货膨胀，除北美、中东和非洲外，所有地区医疗都将出现增长，特别是拉丁美洲和加勒比地区。尽管主要由巴西和墨西哥推动拉丁美洲和加勒比地区的医疗增长，但中东和非洲仍将是平均医疗增长最高的地区。对于欧洲和亚太地区，根据对总体地区通货膨胀情况的预测，预计2022年医疗趋势将保持稳定，其水平与2021年的预期水平相似。最后，与国内总体通货膨胀小幅上升相反，北美地区报告2022年医疗小幅下降。加拿大和美国的预测相对于2021年报告的预测均呈下降趋势。IntroductionAonisp1.easedtopresenttheresu1.tsofits2022surveyofaverageMedica1.TrendRatesfromcountriesaroundthewor1.d.Thesurveywasconductedamong108Aonofficesthatbroker,administer,orotherwiseadviseonemp1.oyer-sponsoredmedica1.p1.ansineachofthecountriescoveredinthisreport.Eachofficerepresentsonespecificcountry.Thesurveyresponsesref1.ectthemedica1.trendexpectationsoftheAonprofessiona1.sbasedontheirinteractionswithc1.ientsandcarriersrepresentedintheportfo1.ioofthefirm'smedica1.p1.anbusinessineachcountry.Thetrendratespresentedinthisreportdonotinc1.udeanya1.1.owancesforpotentia1.emp1.oyercountermeasuressuchascost-containmentp1.anamendmentsorthepotentia1.impactofanyattendantemp1.oyer/brokernegotiationswithcarriers.Apanies: Budgetpremiumcostsformedica1.p1.anrenewa1.s Understandthefactorsdrivingmedica1.costincreases Devisewe1.1.nessandcost-containmentinitiativestorespondtothecha1.1.engesThetrendratefiguresshowninthisreportrepresentthepercentageincreasesinmedica1.p1.an(insuredandse1.f-insured)unitcoststhatareanticipatedtobetechnica1.1.yrequiredtoaddressprojectedpriceinf1.ation,techno1.ogyadvancesinthemedica1.fie1.d,p1.anuti1.izationpatterns,andcostshiftingfromsocia1.programsineachcoveredcountry.Careshou1.dbetakenininterpretingtheinformationpresentedhere.TheMedica1.Trer>dRatesprovidedarenotmeanttorepresentanoverviewofeachcountry,shea1.thcarecostsasawho1.e.Neitheraretheynecessari1.yindicativeofthehea1.thcaresituationofeachcountry,spopu1.ationovera1.1.Thissurveycoverssevera1.separatethemes: EstimatedMedica1.TrendRatesfor2022 Riskfactorsthataredrivingmedica1.costinf1.ation Principa1.coste1.ementsinmedica1.c1.aims We1.1.nessandhea1.thpromotioninitiativesbeingundertakenbyemp1.oyerstodea1.withspira1.ingmedica1.costincreasetrends Themostcommon(moda1.)emp1.oyerpracticesineachcoveredcountryaroundmedica1.p1.anpreva1.ence,design,funding,andadministration Qua1.itativeresponsestoprovidegreatercontexttomedica1.p1.ansg1.oba1.1.yThisreporta1.soprovidesinformationonthegrowingpracticeofrequiringemp1.oyeecostsharinginmedica1.p1.ancosts.Thereportsummarizesthemosttypica1.(moda1.)practicesineachcoveredcountryinthisregardemp1.oyeesharinginmedica1.premiumcosts,orinmedica1.c1.aimout1.ays.Asareference,wehavea1.soinc1.udedtheprojectedgenera1.inf1.ationratesfor2022pub1.ishedbytheInternationa1.MonetaryFundOMF)thathavebeenadoptedasaproxyfortheexpecteddomesticretai1.inf1.ation1.eve1.ineachcountryfor2022.Thetrendratefigures,riskfactors,andcoste1.ementsinthisreportre1.atetoemp1.oyer-sponsoredp1.ansandtheirparticipantswithaggregatepremiums,orpremiumequiva1.ent,managedbyAonofoverUSD180bi1.1.ion.Theg1.oba1.andregiona1.Medica1.TrendRateaveragesref1.ectthefo1.1.owingtechnica1.procedures: Aweightingprocessbasedoneachcoutry,saverageprivatehea1.thcareinsuranceexpenditureperpersonwitharbitraryadjustmentsforsomecountriesinordertopreventoverorunderweighting. AgeometricaveragingmechanismDuetothehyperinf1.ationenvironmentprevai1.inginArgentina,1.ebanon,Venezue1.aandZimbabwe,wehave1.eftthesecountriesoutoftheregiona1.andg1.oba1.Medica1.TrendRateaveragingmechanismfor2022.Aonintendstoissueannua1.surveyupdatesinthefuture.Weexpectthatastheg1.oba1.demandformedica1.p1.anbenefitsextendstomorecountries,thenumberofparticipatingcountriesinourpub1.ishedreportswi1.1.increaseovertime.Wehopeyouwi1.1.findthisreportusefu1.Weanyfeedbackyoumaywishtoprovide.p,IMFdidmtpub1.ishprojectionsongenera，inf1.ationfofArgent100,Bermudaand1.ebanon.FdfBermudawehoveusedthemostrecentdomesticretai1.inf1.ationfigureosthebestavaiiabieproxy.FofArgentinaand1.ebanonrwededdednottoreportagenera1.inf1.ationfigureduetothetockofre1.tabieproxies.KeyHigh1.ightsG1.oba1.OverviewAtthetimeofpub1.icationofthisreport,thewor1.dhasbeensubmergedintheCOVID-19pandemicfora1.mosttwoyears,withthevariouseconomics1.owdownsdirect1.yimpactingemp1.oyer-sponsoredmedica1.p1.ans.Around60%ofcountriessurveyedreported2020/2021p1.anuti1.ization1.eve1.seither1.owerormuch1.owerthanthe1.eve1.sobservedduring2019Pre-PandemiCyear.Anda1.thoughthereissti1.1.afairamountofuncertaintyregardingCOVID-19,simpactondeferredtreatmentsand1.ong-termhea1.thcare,mostcountriesarereportingp1.anuti1.izationgradua1.1.yreturningtonorma1.1.eve1.s(orpre-pandemic1.eve1.s),withnorma1.izationexpectedtooccur,formany,during1.astquarterof2021orear1.y2022.Despitethepandem