2021年全球医疗趋势报告.docx
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1、ontents.10vrln () r) 7r 1 : .11 Tlrn-1 P.str TnLlr;.34.34Hovwy ol Ten .352020 has been an unprecedented year, with a widespread reported decrease in employer-sponsored medical plan utilization as a result of the COVID-19 pandemic and subsequent global lockdown measures. Consequently, 2021 will obser
2、ve the record lowest anticipated global Medical Trend Rate ever recorded, despite plan utilization being expected to gradually return to prior pandemic levels during 2021.Even though 2021 will record the lowest global Medical Trend Rate since this survey was initiated, in 20 3, we continue to see me
3、dical costs rising significantly above general inflation, with the 202 global Net Medical Trend Rate expected to be slightly higher relative to 2020 reported projections.In fact, we expect continued medical plan cost escalation due to population ageing, overall declining health, poor lifestyle habit
4、s and increased prevalence of chronic conditions, as these continue to be global phenomena that are further exacerbated by the potential long-term health impacts of the deferred treatments and routine checks, that resulted from the COVID-19 pandemic.Employers will continue to face the prospect of ad
5、ded organizational costs and employee productivity losses, unless the controllable factors contributing to these patterns are eHectively addressed. This comes in addition to the growing need for a resilient workforce, a need exacerbated by the COVID-19 pandemic.The optimization of medical plan desig
6、n, financial strategy, and delivery mechanisms area good place for employers to start in addressing some of these challenges around the world. However, once properly executed, these initiatives will have a diminishing incremental improvement on the business.The structural solution for the long term
7、involves providing robust health care and wellness benefits for all employees and their families, which can actively promote a healthy workforce: Providing quality health care treatment when neededFacilitating the management of chronic health conditions Preventing and reducing the risk of accidents
8、and illnessesHelping employees understand their health risks and educating them on steps to improve their health Encouraging health-positive behaviorsIn order to promote workforce resilience, employers must create a supportive environment and framework for employees, wellbeing, addressing aspects su
9、ch as financial health, mental health, diversity and inclusion, and career development, among others. This environment should also take into account the changes in workforce patterns, including working virtually and limited interactions with colleagues.Wellness is a key component of wellbeing, focus
10、ing on physical health. Although this report is not targeted to address wellbeing, the summaries on global practices in this report should be useful in understanding wellness, as well as employer-sponsored medical plans and correspondent cost mitigation efforts being undertaken by employers worldwid
11、e.This report also demonstrates that the underlying causes of illness and medical risk factors vary greatly by region, country, company sector, etc. It is therefore important to carefully target employer initiatives to the specific situation in each country and for each medical plan.Aon Global Benef
12、itsResults SummaryMedical Plan Featui esAs in prior years, this year we surveyed our offices to carvass the prevalence of nleclical programs in each com rtry. A summary of the replies on em ployer nleclicat benefit provision practices is as follows:Exhibit 2: Global Medical Plan FeaturesInpatient Ho
13、spitalizationDental63%OutpatientPrescription Drugs84%VisionPreventive Medicine68% of countries reportinq sironq or moderate prevalenceMedical Plan Financing Appi cachesThe fipures below represent the reported prevalence of financing approaches typicat within each rep ior.Exhibit 3: Prevalence of Fin
14、ancing ApproachesNorth AmericaAPACEuropeLACMEAUnited StatesCanadaSell InsuranceInsuranceInsuranceInsuranceInsuranceInsuranceliistjidiiceMixedSdf hisuidiice. MixedSelf liBuidiice, MixedSelf lnsuidiiccSelf liisijidiittMixedSell InsuranceCompany owned/Conrac red FaciliiesCompany owned/ Con Fraced Facil
15、iiesMixedMixedinGlnhal Mpdiral TmnrkMedical Plan Employee Cost-Shai ingAs employee cost-sharing is ofter a very ink portant element of a cont panys nleclical cost-nl itipation strategy, we have investipatecl the prevalenc e of employee cost-sharing pereral practices in each country covered front two
16、 perspectives: End ployees sharing the cost of nleclicat prenlic nosLnlployees sharing in claim outlays, such as deductibles, co-pay arel co-irDuranceThe fipures below represent the percentages of cour tries reportir p the most common practices nationwide, ir employee costsharing in the nleclicat pl
17、ar premiums and cfaints, in their respec tive repiors.Exhibit 4: Employee Cost-Sharing% of countries respondinq per indicated reqiorGlobalAPACEuropeLACMEAS hare of Medical Premium7058849248Contribution s to employee premium3721犯6724Contribution s towartl spouse premium7058849248Contribution s toward
18、 children prem ium70S8849245GlobalAPACEuropeLACMEAShare of Medical Claims9089849693Uedlucti bles44264/6/41Copays4342375441Coinsurance68/4458869% of countries responding per indicated regiorMost Important Elements of Medical Plan CostThe figures below represent the percentages of responses from count
19、ries that reported the indicated cost item as the most important element of medical plan cost in their respective countries.Exhibit S: Top Global Cost Elements9 of cown fries responding82%74%HospitalizationClinics/LabsPrescription Drugs73%43%MaternityPhysician ServicesThe figures below represent the
20、 percentages of countries reporting the indicated cost element in their respective regions.Exhibit 6: Indicated Cost Elements in Respective RegionsNorth AmericaAPACEuropeLACMEAUnited StatesCanadaHospitalizationPrescription DrugsHospitalization95Hospitalization87Hospitalization96Clinics/Labs93Prescri
21、ption DrugsDentalClinics/Labs84Clinics/Labs70Prescription Drugs92Hospitalization90Ehysician ServicesBiologicImmunomodulatorsPrescription Drugs4Ehysician Services/UClinics/LabsgjPrescription Drugs86Clinics/LabsPreventive CarePhysician Services74Preventive Care43Physician Services79Physician Services7
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