2022年全球醫(yī)療趨勢(shì)報(bào)告-news

2022GlobalMedicalTrendsSurveyReport

2022GlobalMedicalTrendsSurveyReport

Tableofcontents

Executivesummaryandkeyfindings 3

Aboutthesurvey 4

Globalaveragemedicaltrendsbycountry 5

AsiaPacific 5

Europe 8

LatinAmerica 8

MiddleEastandAfrica 10

NorthAmerica 10

Updateontelehealth 11

Wellbeingservices 14

What’sdrivingglobalmedicaltrend 17

Topconditionsglobally 18

Managingmedicaltrend 20

2

Executivesummary

The2022GlobalMedicalTrendsSurveyrevealsconsiderable

variationinhealthcarecostincreasesaroundtheworld.With

COVID-19casessurgingindifferentcountriesatdifferent

timesin2020and2021,theuneventrajectoryofthepandemiccreatedconsiderablevolatilityinhealthcareutilizationandcosts.Afterdroppingto4.8%in2020andreboundingto8.1%this

year,theprojectedhealthcarebenefitcosttrendisexpectedtocontinueatasimilarlevelfor2022,ataglobalaverageof8.1%.However,volatilityismoremarkedatanindividualcountrylevelduetotheuncertaintieswiththeongoingeffectsofCOVID-19,whichisexpectedtoextendinto2022.

Averageincreasesacrossdifferentregionsnextyearare

expectedtorangefrom14.2%inLatinAmericato10.6%intheMiddleEastandAfricato7.6%inAsiaPacificto6.7%inEurope.TheaveragemedicaltrendintheU.S.isprojectedat7.6%in2022basedonotherWillisTowersWatsonresearch.

Healthcarecostsareexpectedtocontinuetoaccelerate

beyond2022,withoverthree-quartersofhealthinsurers

anticipatinghigherorsignificantlyhighermedicaltrendoverthenextthreeyears.Eighty-sixpercentofinsurersinEuropeexpecthigherorsignificantlyhighermedicaltrendoverthistimeperiodasdo82%ofinsurersintheMiddleEastand

Africa,74%ofinsurersinLatinAmericaand64%ofinsurersinAsiaPacific.

Thepandemichashelpedacceleratetheadoptionof

telehealth,withoverhalfofinsurersgloballynowofferingtelehealthacrossallplanswiththeassociatedpotentialforreductionsincostthatvirtualhealthcarecanbring.Inthisyear’ssurvey,wedevoteaspecialsectionontheevolvingroleoftelehealthinhelpingtomanagemedicaltrendandexpeditingaccesstoeffectivecare.

Overthree-quartersofhealth

insurersanticipatehigherorsignificantlyhigher

medicaltrendoverthenextthreeyears.

Keyfindings

Incidenceofclaimsrelatedtomusculoskeletaldisorderssoar.Respondentsrankedmusculoskeletaldisorders,

potentiallyattributabletopoorergonomicsinemployees’work-from-homeenvironment,asthetopconditionby

incidenceofclaimsfollowedbycardiovasculardiseasesandrespiratoryconditions.Inthe2021survey,insurersrankedmusculoskeletaldisordersasnumberfive.

Cancer,whichinpriorsurveysheldthetopspot,droppedto

numberfivebyincidence,likelyduetodeferredtreatmentsduringthepandemic;however,cancercontinuestobe

atopconditionaffectingmedicalcosts,followedbycardiovascularandmusculoskeletaldisorders.

Insurersexpectmentalandbehavioraldisorderstobe

thefastest-growingconditionbyincidenceinthenext18

months,followedbycancerandmusculoskeletaldisorders.Andinsurersexpectcancertobethefastest-growing

conditionbycostinthenext18months,followedbycardiovascularandmusculoskeletaldisorders.

Insuredcoveragescontinuetoseerestrictions.Gapsincoveragepersistforconditionsthatareprevalentinthe

coveredpopulationandforwhichtreatmentsexist.Overhalfofgrouppolicies,regardlessofsize,haveexclusionsforHIV/AIDS(54%to56%)aswellasalcoholismanddruguse(52%to53%).Employersshouldcontinuetotryto

removetheseexclusionsandinvolvetheirconsultants/brokersinhelpingnegotiateinclusioncoveragesthatarepartofglobalbenefitphilosophiesandofcriticalvaluetomanyemployees.

Telehealthemergesasatopcostmanagementmethod.

Insurersrankedcontractednetworksofproviders(75%)andpreapprovalforscheduledinpatientservices(67%)asthetoptwocostmanagementmethods.Telehealth(63%)movedupfromnumberfiveinlastyear’ssurveytonumberthree,suggestingthatmoreinsurersarerecognizingthepotentialforimprovedcostmanagementthroughremotediagnosisandtreatmentofpatients.

2022GlobalMedicalTrendsSurveyReport3

Overuseofcarecontinuestoaffectmedicalcosts.

Overuseofcarebymedicalpractitioners(64%)

recommendingtoomanyservicescontinuestobethe

mostsignificantfactorcontributingtorisingmedicalcostsrelatedtoemployee/providerbehavior.Fifty-ninepercentofinsurersalsothinkthatoveruseofcarebyinsuredsisdrivingupcosts.

Volatilitywillcontinueintheshortterm.COVID-19has

producedthebiggestimpactonglobalmedicaltrend

variationtheindustryhasseen.Nevertheless,weexpect

theimpactandvolatilityfromCOVID-19toextendinto2022andbeyond.Countriesandemployersareexperiencingtheimpactatdifferenttimesandrates.Forsomecountriestheimpactofarecoveryindemandofregularmedicalserviceswilloccurin2021,whileforothersthismightnothappen

until2022or2023.COVID-19,combinedwiththechangingfaceoftheworkenvironment,hashadasignificantimpactonmedicaltrend,servicedeliveryandthefuturedriversofmedicalclaims.

Aboutthesurvey

WillisTowersWatsonconductstheGlobalMedicalTrendsSurveyeveryyearbetweenJulyandSeptember.Atotalof209leadinginsurersrepresenting61countriesparticipatedinour2022survey.GlobalresultspresentedherehavebeenweightedusingGDPpercapita.TheU.S.medicaltrenddataaredrawnfromtheWillisTowersWatsonNationalTrend

Survey.

Figure1.Participantprofile

Americas

AsiaPaci?cEurope

MiddleEastandAfrica

16%

42%

24%

17%

Note:Percentagesdonotaddto100duetorounding.

4

Globalaveragemedicaltrendsbycountry

AsiaPacific

China

Themedicalindustryisworkingtoward

establishingpost-pandemicroutinesfordaily

medicaltreatmenttosupporttheChinesepeople’severydayneeds.Withcloseto1.1billionofitspeoplevaccinated—

almost80%ofthepopulation—China’shealthcaremarketandmedicalfacilitiesaretrendingbacktothetypicalpre-COVID-19state,bothintermsofcapabilitiesandcapacity.

Medicalinflationisexpectedtoincreasein2022topre-

pandemiclevels,followingsignificantstagnationin2020.

Besideshighlightinglifeandmedicalcoverageneeds,the

pandemiciselevatingwellbeingawarenessandtheadoptionofwellbeinginitiativesbyemployers.Physicalsafetyand

mentalhealtharebecominghigh-prioritytopicsintheChinamarket,andemployersareseekingsupporttoimplement

approachestargetingtheseissues.

India

Whilehospitalutilizationtrendshavestabilizedaftershowingalargespikeduringpartsof2021(especiallyduringwavetwoofthepandemicbetweenAprilandJuly),Indiaiscurrentlyinasituationwherenon-COVID-19deferredclaimsarerisingand

theaveragecostofproceduresisgraduallyincreasingduetotheimpactofprovidersimplementingCOVID-19protocols.

Fromaprovidermanagementperspective,theIndian

governmentisstillatanearlystageofimplementingregulationsonthetreatmentandpricingprotocolofmedicalcare.While

hospitalbillingpracticescontinuetoposeachallenge,the

governmentistryingtoaddressthisissuethroughguidelinesaroundpricingforCOVID-19testsandtreatments.

In2022,weexpecttoseeasimilarleveloftrendasin2021,thatis,inexcessof20%;however,wealsomayseean

increasedawarenessandarisingutilizationofpreventionstrategiesandwellbeinginitiatives.

Malaysia

ThevaccinationrateamongMalaysianadultsistrending

upwardin2021,andwiththiscomestheliftingoftheinterstatetravelbantogetherwithahostofeconomicactivities.This

isexpectedtobringalargedegreeofnormalcybackintoeverydaylife,includingthereschedulingofelectivemedicalprocedurespreviouslypostponedduetothepandemic.

Medicaltourismisalsoexpectedtopickupagainoncetheinternationaltravelbanislifted,largelyexpectedbyearly2022.Itiswiththeseexpectationsthatmedicaltrendis

projectedatamuchhigherratefor2022,withthemedicalindustrycatchingupafteranalmosttwo-yearhiatus.

Singapore

InsurersinSingaporehaveprojectedaslightlyhighermedicalinflationfor2022,mainlyduetothehigherutilizationof

services.Thisincludestheresidualimpactofdelayedelectivesurgicalprocedures,largelyperformedatprivatehospitals

giventhesurgeinCOVID-19casesinSingaporegovernmenthospitals.Overalltrendishoveringatthehigherrangefrom8%in2021to9%in2022.

Thementalwellbeingofemployeescontinuestobeakey

employerfocus.Thehealthcaresystemhasalsopivotedto

includevirtualmentalwellbeingsupport,largelytoensurethatemployeesreceivethequalitytelehealthsupporttheyneed

astheycontinuetoworkfromhome.Employersarereviewinghowwellbeingsolutions,ingeneral,canbeincorporatedasacorebenefititem,seekingsupportfrominsurers.

InSingapore,employersarereviewinghow

wellbeingsolutionscanbe

incorporatedasacorebenefit.

Vietnam

MostoftheinsurancecompaniesparticipatinginthesurveypredictthatmedicalcostsinVietnamwillincreasenextyeartoabout9%comparedwith7%in2021and5%in2020.

COVID-19hasbeenthemaindriverofthis,but2022isstill

showingaleveloftrendbelowthatof2019;however,this

situationwillnotlastlong,asweexpectutilizationtoreturntonormalgradually,especiallyin2022and2023.

Healthcareprovidersenhancedtheirservicesbyproviding

tele-consultationservicestomeettheneedsofpatients

duringthepandemicastheyswitchedtoremoteworking.

Consequently,insurersareconsideringtheinclusionof

telemedicineservicesanddiagnosis/consultationintheir

coverage,butitisstilllimitedtocertainspecificclientsin2021.Weexpectthistrendtodevelopfurtherin2022andbeyond.

2022GlobalMedicalTrendsSurveyReport5

Figure2.Globalaveragemedicaltrendsbycountry,2020–2022

Gross

2021

Net**

2021

Respondents

2020

2020

2022

2022

LatinAmerica

Global

4.76

3.60

5.16

8.12

8.10

5.41

LatinAmerica

4.64

6.21

13.08

13.18

14.18

7.21

NorthAmerica

8.60

6.60

9.67

5.64

6.07

5.67

AsiaPacific

4.67

5.65

7.02

4.91

5.41

7.57

Europe

6.65

4.62

2.29

4.49

1.52

7.14

MiddleEast/Africa

6.11

10.58

7.28

10.19

5.17

7.55

Argentina

49.08

55.80

38.94

57.37

7.07

43.05

Brazil

10.70

2.20

11.10

7.49

-5.50

5.75

Chile

4.00

4.00

-0.04

-0.19

-0.43

3.00

Colombia

1.86

0.78

4.39

4.31

1.21

4.41

CostaRica

3.66

6.53

8.00

8.28

9.00

5.00

ElSalvador

8.00

5.00

9.00

8.37

1.44

6.06

Guatemala

11.00

14.00

15.50

7.79

9.24

11.03

Honduras

7.00

12.50

12.50

3.53

7.93

8.83

Mexico

14.25

19.00

18.63

10.85

13.63

14.78

Nicaragua

10.00

15.00

12.00

6.32

10.87

8.39

Panama

8.00

9.00

9.00

9.55

7.56

7.04

Peru

18.00

8.00

10.00

16.17

4.86

7.47

Canada

6.18

11.25

9.30

5.46

8.10

6.66

UnitedStates#

7.24

7.30

7.56

5.99

3.02

4.10

AsiaPacific

Australia

2.83

5.03

4.25

1.94

2.52

2.16

China

5.54

7.22

8.34

3.15

6.15

6.52

HongKong

6.54

6.77

8.22

6.29

4.87

6.12

India

18.50

25.00

23.50

12.33

19.44

18.62

Indonesia

6.20

7.00

7.40

4.17

5.45

4.56

Malaysia

9.45

7.73

16.18

10.59

5.23

14.18

NewZealand

2.00

9.35

6.85

0.29

6.39

4.63

Philippines

6.38

16.43

14.36

3.74

12.12

11.38

Singapore

7.71

8.64

9.00

7.90

7.08

7.54

SouthKorea

3.67

0.00

2.67

3.13

-2.19

1.02

Taiwan*

5.80

5.80

6.80

5.98

4.20

5.30

Thailand

8.97

11.30

9.20

9.81

10.44

7.87

Vietnam

5.33

7.00

9.00

2.11

4.97

6.68

NorthAmerica

6

Gross

2021

Net**

2021

Respondents

2020

2020

2022

2022

MiddleEastandAfrica

Belgium

0.64

1.20

3.00

4.00

0.77

1.77

Cyprus

-4.67

-2.00

-3.00

2.00

-0.90

0.95

Denmark

6.00

6.00

4.60

3.92

4.25

4.44

France

5.16

-2.78

7.13

3.33

-2.25

1.71

Germany

6.00

3.70

5.50

3.33

3.99

3.12

Greece

5.76

4.61

4.38

4.50

4.50

4.75

Hungary

4.68

5.46

6.42

8.00

10.00

10.00

Ireland

6.60

6.10

-8.00

8.50

8.00

-7.54

Norway

10.46

10.73

5.50

7.50

13.33

11.75

Poland

4.00

9.00

9.00

0.60

4.58

5.73

Portugal

3.93

6.50

5.00

4.05

5.31

3.72

Romania

9.75

16.25

13.75

7.10

11.93

10.37

Russia

1.40

8.40

8.20

-1.98

2.46

3.38

Spain

3.08

7.35

7.20

3.40

5.11

5.55

Sweden

3.00

0.00

6.00

2.34

-2.04

4.40

Turkey

16.00

17.75

20.50

3.72

0.77

5.13

UnitedKingdom

-3.83

11.17

8.17

-4.68

8.98

5.55

Europe

Bahrain

3.50

7.00

4.50

5.82

6.00

1.80

Cameroon

10.00

9.30

10.20

7.56

7.00

8.15

Coted'Ivoire

10.00

18.00

15.00

7.60

15.00

12.50

Egypt

10.79

12.86

17.29

5.09

8.36

11.01

Ghana

10.00

15.00

20.00

0.12

5.72

11.23

Jordan

6.00

4.00

4.00

5.60

2.35

2.01

Kuwait

7.00

12.00

15.00

4.89

8.84

12.00

Nigeria

12.00

11.50

12.50

-1.25

-5.41

-0.75

Oman

-10.00

10.00

5.00

-9.10

7.00

2.30

SaudiArabia

10.00

10.00

10.00

6.56

6.77

7.78

Senegal

43.33

49.00

52.00

40.80

46.56

50.00

SouthAfrica

3.43

10.67

8.50

0.17

6.25

4.02

Uganda

20.00

30.00

40.00

17.24

27.84

34.99

UnitedArabEmirates

5.00

5.00

6.67

7.07

2.98

4.49

*Countrieswithsignificant(5+)participation

#UnitedStatesdataarefromvariousyearsoftheWillisTowersWatsonNationalTrendSurvey**Netofgeneralinflation

2022GlobalMedicalTrendsSurveyReport7

Europe

France

Theexpectedtrendfor2021inFranceishighlyinfluencedbytheimpactofdelayedmedical

servicesthatwerepostponedin2020alongwiththefull-year

impactofthelegislativereformsthatwentintoeffectin2019thatincreasedminimumthresholdsofcoverage(i.e.,100%

Santé).Additionalservicessuchastelehealthandwellbeingareincreasingcostsintheshorttermwithprevention

expectationsoverthelongerterm.

Spain

Similartoothercountries,thedelayedmedicalservicesin

2020caughtupin2021,andwehaveseenlengthierhospitalstays(inpatientclaims)thaninotheryears.MedicalgroupsareconsolidatinginSpainresultinginhigherprices(andlesschoice).Carefulattentionmustbepaidtopolicyterms,asweareseeingsomeinsurancecompaniesattemptingtoexcludecoverageduetopandemics.

Netherlands

AsofJanuary1,2023,insurerswillnolongerbeallowed

todiscountpremiumsonthecollectivemedicalplan(basicinsurance).Thisisexpectedtoreducetheattractivenessofcollectivemedicalplans,andpremiumsareexpectedtorise.Companiesareadvisedtoreviewthisandconsider

alternativesin2022aheadofthischange.

U.K.

TheU.K.hasseenroutineandelectivemedicaltreatmentsdelayedformuchof2020andthefirsthalfof2021.AttheendofQ22021,claimsweresuppressedbyaround5%to

10%againstexpectedcorporatenorms.Althoughduring

Q32021,claimsreturnedtonearpre-pandemiclevels,muchuncertaintyremainsregardinghowmuchofthesedeferredclaimswillcomethroughinlate2021orintoearly2022.

Weexpecttoseethepandemiccontinuetohaveanadverseimpactonmedicaltrendinthefollowingareas:

Claimsincidenceratescouldbeaffectedasthestate

NationalHealthSystem(NHS)dealswithrecordwaitinglistsforroutineandelectivetreatments,promptingmoreemployeestouseprivate/corporateprograms.

Delayeddiagnosesandtreatmentscouldmeandisease

progressioncouldaffectaverageclaimcosts.This

appliesnotonlytomoreroutinetreatments,suchas

musculoskeletal,butalsotoseriousandhigh-costillnesses,suchascancer.

TheeffectsoflongCOVID-19arestillunclearbutcould

affectclaimincidenceratesbothintheshortandmediumterm.

Increasingclaimsaroundbothmusculoskeletalandmentalhealth,duetochangesinbothworkandsocialhabits,arelikelytobeakeyclaimsdriver.

However,someimpactsofCOVID-19areexpectedtopositivelyaffectmedicaltrend:

Changingworkingbehaviorsandamovetopermanent

hybridworkingcouldmeanmoretreatmentsaredeliveredregionallyandoutsideofmorecostlycitycenters.

Thecontinueduseoftelehealth,remoteconsultationsandtherapiesshouldpositivelyaffectclaimcostsgiventhe

efficienciesarounddelivery.

Thedevelopmentofdigitalpathwaysprovidesthe

opportunityformoreconsistencyaswellastheabilitytooptimizethepatientjourneyandremoveinappropriate

treatments.

LatinAmerica

Argentina

HighinflationandthedevaluationoftheArgentinecurrencyagainsttheU.S.dollar

continuetobeamongthekeyfactorsdrivingmedicaltrendinArgentina.Inaddition,healthcaresalarygrowthandthe

increaseofthelistofmandatorytreatmentsthatmedical

plansmustcoveraretwofactorsthathaveamarkedimpactonmedicalcosts.Theprojected2022medicalcosttrend

reflectstheimpactoftheexpectedincreaseinmedical

servicesutilizationasCOVID-19casesdecreaseandpeopleresumeelectivetreatmentsaswellasallothertreatmentsthatweredelayedduring2020and2021.

Brazil

MedicaltrendinBrazilisexpectedtoreturntopre-pandemiclevelsin2022afteradropduringthepasttwoyears.

Thekeyreasonsarethereturnofpatientsforelective

hospitalizationsandelectivetreatmentsthathadbeen

postponedduetoCOVID-19(e.g.,orthopedicsurgeries,

digestivetract,otorhinolaryngology,gynecology).Wearealsoseeingincreasedmedicalplanutilizationderivingfromuse

oftherapiesforthetreatmentofpost-COVID-19symptoms

relatedtomentalhealth,suchasoccupationaltherapy,

physiotherapyandpsychiatry.Telehealthcontinuestobe

utilizedandisexpectedtoincreaseinpopularity,aspeoplegotusedtohavingaccesstothisserviceduring2020.Thisisanelementthatwillhelpcontainmedicalinflation,preventingitfromreturningtoitshighestlevels.

8

Chile

Theincreaseinhealthcarecostsfor2022isprojectedto

continueat4%.Whileelectivetreatmentsareresuming,

Chileisbenefitingfromhavingoneofthemostefficient

vaccinationcampaignsinLatinAmerica,with84%ofits

populationvaccinatedwithatleastonedosein2021.Other

factorshelpingtomanagetrendincludetheaccelerationof

technologydevelopmentsforinsurers,improvingself-servicetools(e.g.,viaapps)forreimbursementprocesses,digital

enrollmentandsubscription.Wearealsoseeingfurther

developmentofwellbeingprogramsfocusedonmentalhealthbenefits,telemedicineandtheincentivetousepreferred

providersforoutpatientandhospitalservices.

Colombia

Medicaltrendisprojectedtoincreasefor2022to4.3%duetoslightincreaseinutilization.Containmentofmedicaltrendishelpedbycompetitivepressuresintheinsurancemarket,withmanyinsurersseekingtoincreasetheirmarketshare.Atthesametimemedicalprovidersarefocusingtheireffortsondevelopingtheirtechnologyfurther,andthereisanincreaseinwellbeingandutilizationoftelemedicine,allofwhichshouldhelptocontainmedicaltrendinthecomingyears.

Mexico

Overall,themedicaltrendrateinMexicoisprojectedto

continuein2022atasimilarlevelto2021,maintaininga

double-digittrend.ThedepreciationoftheMexicanpesoversustheU.S.dollarcontinuestoaffectcostsofimported

medicaldevicesandhospitalsupplies,whichcontinuetodrivetrend.Inaddition,demandforprivatehealthcareremainshigh,particularlyasthepublichealthsystemhasbeenbesiegedbyCOVID-19casesandalsobecauseofashortageofmedicinesinthepublicsector.

Themedicaltrendrate

inMexicoisprojectedto

continuein2022atasimilar

levelto2021,

maintainingadouble-digittrend.

Thereisatrendtoredesignmedicalprogramsand

underwritingprocessesinanefforttoreducecosts.The

mainfeaturesincludetheincorporationofwellbeingservicesandtelemedicineprograms,whichareexpectedtoreduce

theseverityofmedicalcasesanddecreaseutilization

levelsinhospitals.UnderwritinganalysiswithgeographicaldifferentiationbyregionisbeingimplementedtocapturethedifferentiatedimpactthatCOVID-19hadacrossthecountry.Finally,insurancecompaniesareconsideringincludinga

COVID-19factorformedicalinsurancepolicies,whichwillaffectthemedicalcosttrendinthecomingyears.

2022GlobalMedicalTrendsSurveyReport9

MiddleEastandAfrica

Africa

In2021,weareseeingclaimsreturningtonormalpre-pandemiclevelsinmanycountries.We

arealsoobservingCOVID-19claimsbeingpaidbymedical

insurersinsomecountries(e.g.,Egypt,SouthAfrica),whichisexpectedtoleadtoahightrendinmanycountriesinAfrica.

Significantvariationsinlevelsoftrendareexpectedacross

thecontinentdependingontherateofgeneralinflationand

amountsofmedicalsuppliesbeingimported.Wealsoobservedanewtrendtooffertelemedicinefacilities(NigeriaandEgypt);however,wehavenotyetseenahighutilizationofthisservice.

SaudiArabia

Trendisprojectedtobethesamein2022asinthepasttwoyears,holdingsteadyat10%.Weareexpectingthatdemandforhealthcareserviceswillcontinuetorisein2022;costs

willalsoriseduetothescopeofcoverrequiredwithinthemandatedplandesign.Nationalizationinthehealthcare

sector(i.e.,mandatedemploymentoflocalnationalsinkeyroles)mayalsobeaninflationaryfactor.

SignificantvariationsinlevelsoftrendareexpectedacrosstheAfricancontinent.

Q

SouthAfrica

COVID-19hasledtolower-than-averagemedicalcost

increasesoverthepastthreeyears.Thisresultsinpartfromthedeclineinnon-COVID-19healthcareclaimsseenduringthecourseofthepandemic.(Electivesurgeries/proceduresweredeferredduringthisperiod.)TheCouncilforMedicalSchemesrecommendedthatmedicalaidschemeslimit

contributionincreasesto4.2%orlessin2022,butsomeschemeshavemaintainedthattheuncertaintyoffuture

COVID-19claimshasmadeithardtodoso,andsoweareseeingahigherprojectedmedicaltrendfor2022of8.5%.

U.A.E.

TheprojectedtrendnumbersintheU.A.E.arealittlelower

thanexpected.Asinothercountries,weareseeinganuptickintrendfor2022basedondelayedservicesordemandforhealthcareservicesthathadbeensuspendedduringthe

pandemic.Wehavealsoseenincreaseduseoftelehealth

servicesintheEmirates.Thereisanexpectationofhigher

costofmaterialscomingthroughin2022,withtheexpandingscopeofcoverageinrelationtomentalhealthconditions,

increasedcapabilitytotreatcomplexmedicalconditionslocallyandongoinghighprevalenceofchronic/lifestyle-relatedconditions.

NorthAmerica

Canada

MedicaltrendinCanadaisexpectedtoslow

slightlyin2022comparedwith2021.Nevertheless,employerscontinuetobeconcernedaboutCOVID-19’simpactonmentalhealthanddisabilityneeds.Daycaresubsidization

acrossprovinceshasmadeanimpact,supportingthereturntowork.PharmacycostsremainaconcerninCanadawithprogressonanationalpharmacareplanstillawaited.

U.S.

COVID-19hascostemployersmorein2021thanin2020withtheupwardtrendexpectedinthesecondhalfof2021.The

deltasurgeandvaccinehesitancyhasdefinedthenationallandscape.Otherdelayedmedicalservicescontinueto

resumegraduallywiththeresultsthat2022trendcontinuestoedgeupwardfrom2021toanexpected7.6%.PharmacycostscontinuetobealargecontributortotrendintheU.S.Foremployers,thereisafocusonwellbeingprograms(withanincreaseondigitalvendors)aswellassupportforfamily/caregiversandnewerhealthcaredeliverystrategies.

10

Updateontelehealth

Ourlastsurveyincludedaspotlightontelehealth,whichfinallycameintoitsownduringthepandemic.Wehave

nowprovidedanupdateonthisfeature,aswehaveseentelehealthunderstandablyexpandinuseacrosstheglobewithfewerrestrictionsandagrowingacceptanceamonginsuredmembers.

Fourin10insurers(37%)identifiedtheadditionoftelehealthservicesasthebiggestchangeorganizationshavemade

totheirmedicalportfoliosin2021.Webelievetelehealth’s

momentumwillbesustainedpost-pandemicandthatthe

roleoftelehealthwillcontinuetoevolveasanavigationtooltospeedaccesstotherightcareandasameansofclosinggapsinaccesstocare.

Prevalence

Globally,52%ofinsurersofferedtelehealthacrossallplans

(Figure3).Ofthese,85%offeredtelehealthatnoadditional

cost.InsurersinLatinAmerica(87%)andEurope(68%)are

mostlikelytooffertelehealthacrossallplans,with78%and

92%,respectively,offeringtheseservicesatnoadditionalcost.

Almostthreein10insurers(28%)offeredtelehealthonlyforselectplans.Ofthese,78%offeredtelehealthatnoadditionalcost.InsurersinAsiaPacific(50%)weremostlikelytooffertelehealthonlyforselectplans,with92%offeringthese

servicesatnoadditionalcost.

Servicescoveredundertelehealth

Acrossallregions,insurersthatoffertelehealtharemostlikelytocoverprimaryphysician/generalpractitioner(GP)services.Theotherkeyareasmostlikelytobecovered

includeprescriptiondrugs,specialistsconsultants,mentalhealthandnavigationforacuteillness.

Globally,97%ofinsurersindicatethatphysician/GPservicesarelegallyallowedtobedeliveredviatelehealth.ResultsforprescriptiondrugsarefairlysimilartothoseforGPservices,withanaverageof90%indicatingthattheseservicesare

legallyallowedtobedeliveredviatelehealth.

Figure3.Prevalenceofinsurersofferingtelehealththroughtheircurrentplans

0%20%40%60%80%100%

Yes–acrossallplans/portfolio

52%

87% 27%

68% 21%

Yes–onlyforselectplans/clients

28%

8%

50%

21%17%

No–butexpecttoaddin2022

10%

2%2%

10%

31%

No–notexpectedtobeaddedsoon

10%

2%

21%

0%

30%

AsiaPaci?c

LatinAmerica

MiddleEastandAfrica

GlobalEurope

Globally,52%ofinsurersofferedtelehealth

acrossallplans.

Onaglobalbasis,80%and85%ofinsurers,respectively,

reportthatspecialistconsultantsandmentalhealthservicesareavailableundercountrylegislation;however,intheMiddleEastroughlythreein10insurersindicatethattheseservicesarenotlegallyavailableviatelehealth.

Two-thirdsofinsurersgloballyindicatethatnavigationfor

acuteillnessesislegallyallowedtobedeliveredviatelehealth,afigurethatrisesto91%inLatinAmericaanddropsto53%inAsiaPacific.

2022GlobalMedicalTrendsSurveyReport11

TelehealthutilizationPhysician/GPservices

Currently,66%ofinsurersgloballyreportthatlessthan10%ofinsuredmembersuseteleheal