L’avenir de l’assurance santé internationale en ce qui concerne les primes d’assurance sera probablement marqué par plusieurs tendances importantes :
Hausse continue des primes : Les primes d’assurance santé internationale devraient continuer d’augmenter dans les années à venir, principalement en raison de l’inflation médicale mondiale. En 2023, les revalorisations de tarifs pour les assurances santé expatrié se situaient entre 4% et 9% hors zone USA, et entre 5% et 17% pour la zone USA. Cette tendance à la hausse devrait se poursuivre.
Personnalisation accrue : Les assureurs utiliseront de plus en plus l’intelligence artificielle pour personnaliser les primes en fonction des profils de risque individuels. Cela pourrait conduire à des tarifications plus précises et potentiellement plus équitables.
Modulation des couvertures : Les assureurs proposeront probablement des options de couverture plus flexibles et modulables, permettant aux assurés de choisir précisément les garanties dont ils ont besoin, ce qui pourrait influencer le montant des primes.
Impact technologique : L’adoption de nouvelles technologies, comme la télémédecine et les objets connectés, pourrait à terme contribuer à réduire certains coûts de santé et potentiellement modérer la hausse des primes.
Pression réglementaire : Les évolutions réglementaires, notamment en matière de protection des données et d’équité dans l’accès aux soins, pourraient influencer la façon dont les assureurs calculent et appliquent leurs primes.
Concurrence accrue : L’internationalisation croissante du marché de l’assurance santé pourrait intensifier la concurrence, ce qui pourrait avoir un effet modérateur sur les primes à long terme.
Il est important de noter que ces tendances pourraient varier selon les régions du monde et les contextes économiques et sanitaires spécifiques. Les assurés devront rester vigilants et comparer régulièrement les offres pour s’assurer d’avoir la meilleure couverture au meilleur prix.
Pour éviter les pièges de l’assurance santé internationale et un mauvais remboursement, voici les points essentiels à considérer :
Vérifiez attentivement les limites de couverture, en particulier pour les frais médicaux, d’hospitalisation et d’évacuation médicale. Assurez-vous que les montants couverts sont suffisants pour votre destination.
Examinez les restrictions géographiques de l’assurance pour vous assurer que votre destination est couverte.
Soyez vigilant concernant les délais de carence avant de pouvoir bénéficier de certaines prestations.
Ne vous focalisez pas uniquement sur le prix le plus bas. Un tarif trop bas par rapport à la concurrence peut cacher des franchises élevées ou des exclusions importantes.
Portez une attention particulière aux conditions générales du contrat, notamment les franchises, les exclusions et les délais de carence. Une franchise annuelle élevée peut réduire votre prime, mais assurez-vous de pouvoir l’assumer.
Concentrez-vous sur les postes de remboursement principaux comme l’hospitalisation et la maternité, plutôt que sur des postes secondaires comme l’optique ou le dentaire.
Vérifiez les plafonds de remboursement pour chaque type de soin. Comparez-les avec les tarifs pratiqués dans votre pays de destination.
Consultez les avis des clients sur les différentes assurances pour évaluer la qualité du service client et le processus de remboursement.
Assurez-vous de bien comprendre les modalités de remboursement, notamment si vous devez avancer les frais ou si l’assurance peut payer directement les prestataires de soins.
Pour les voyages en Europe, n’oubliez pas de demander votre carte européenne d’assurance maladie (CEAM) qui vous permettra de bénéficier d’une prise en charge sur place selon la législation locale.
En suivant ces conseils, vous augmenterez vos chances d’obtenir une couverture adéquate et d’éviter les mauvaises surprises lors des remboursements.
Voici quelques conseils et astuces pour choisir la meilleure assurance santé pour expatriés :
Évaluez vos besoins spécifiques
Tenez compte de votre situation familiale, de votre âge et de votre état de santé
Considérez la durée de votre expatriation et le pays de destination.
Comparez les options disponibles
Examinez les deux principales options : la Caisse des Français de l’Étranger (CFE) et les assurances au 1er euro.
Utilisez un comparateur en ligne pour évaluer différentes offres rapidement.
Vérifiez les garanties essentielles
Assurez-vous que la couverture inclut l’hospitalisation, les soins courants, l’optique et le dentaire.
Recherchez des options comme l’assistance rapatriement et la responsabilité civile.
Considérez le système de santé local
Renseignez-vous sur le niveau de prise en charge du pays d’accueil.
Adaptez votre couverture en fonction des coûts de santé locaux.
Optez pour une flexibilité
Choisissez une assurance qui vous permet d’ajuster vos garanties selon l’évolution de vos besoins2.
Vérifiez la possibilité de souscrire des options complémentaires si nécessaire.
Vérifiez la couverture géographique
Assurez-vous que votre assurance vous couvre dans votre pays de résidence et lors de vos déplacements.
Examinez les services supplémentaires
Privilégiez les assurances offrant un système de tiers-payant pour éviter d’avancer les frais.
Vérifiez la disponibilité d’un service client multilingue et accessible 24/7.
Anticipez les démarches administratives
Planifiez votre couverture avant votre départ pour éviter toute interruption de protection1.
Conservez tous les documents importants liés à votre assurance.
En suivant ces conseils, vous pourrez choisir une assurance santé adaptée à vos besoins d’expatrié, vous assurant une tranquillité d’esprit pendant votre séjour à l’étranger.
2024 Global Medical Trend Rates Report Global Overview and Data Tables
2
About the Report
The Aon 2024 Global Medical Trend Rates survey was conducted across 113 Aon offices that broker, administer or otherwise advise on employer-sponsored medical plans in each of the countries covered in this report. Each office represents one specific location. The survey responses reflect the medical trend expectations of Aon professionals based on their interactions with clients and carriers represented in the portfolio of the firm’s medical plan business in each location.
The trend rate figures shown in this report represent the percentage increases in medical plan unit costs – insured and self-insured – that are anticipated to be required to address projected price inflation, technology advances in the medical field, plan utilization patterns and cost shifting away from underfunded social programs in each covered location.
We have also included the projected general inflation rates for 2024 as published by the International Monetary Fund (IMF) in April 2023. These rates have been adopted as a proxy for the expected domestic retail inflation level in each country.
Given the volatility in global price inflation, care should be taken in interpreting the information presented here, as well as seeking your own independent, location-specific, expert advice. The medical trend rates provided are not meant to represent an overview of each location’s healthcare costs as a whole.
2024 Global Medical Trend Rates Report
3
Executive Summary
The 2024 Global Medical Trend Rates Report publishes after a period of remarkable inflationary conditions and economic volatility. The series of shocks affecting economies around the world after the pandemic continue to create an unstable economic environment, despite continued signs of improvement, and it is likely that volatile conditions will persist. For example, many developing countries in Africa face the pressure of currency depreciation amid global interest rate hikes
that may drive investors away from the region, thereby exacerbating the region’s dependence on increasingly expensive imports.
Macroeconomic instability has had a significant impact on the medical trend in many locations around the world; however, it is not the only factor. While macroeconomic instability is a big part of the story behind the medical trend rates, it is also important to highlight the regional differences, the conditions driving the trend rate, and the ways in which companies are mitigating the increases.
Despite uncertainty on how long global inflationary pressures will persist, it is clear from the locations surveyed that the expectation for employer- sponsored medical plans is that the medical trend rate will see a sharp rise in 2024.
The global average medical trend rate for 2024 is expected to be 10.1 percent, up from 9.2 percent in 2023 and the highest it has been since 2015.
The upsurge in medical trend is driven by a generalized increase expected in all regions, with every global region showing an increase in trend over 2023.
● The two regions with the highest projected increases are Latin America and the Caribbean (LAC), at 11.7 percent (up from 11.6 percent in 2023) and Middle East and Africa (MEA), at 15.1 percent (up from 14.5 percent a year ago).
● Europe’s projected trend for 2024 is 10.4 percent, which is up from 9.1 percent in 2023 and nearly double its 5.6 percent rise in 2022. Europe’s rise, making it the third highest region globally, is expected to result in unprecedented increases on employer-sponsored medical plans, as it surpasses the double-digit barrier.
● Asia-Pacific (APAC) represents the second lowest increase of the five regions. APAC, at 9.7 percent, is a half a point higher than 2023 (9.2 percent).
● North America is something of a paradox. While the 7.6 percent increase is the region’s highest since 8.5 percent in 2014 – and is higher than 2023’s 6.6 percent – it is the smallest increase of any of the global regions. The region, comprised of Canada and the United States, benefitted from comparatively lower general inflation rates.
Conditions behind the trend rate. The top medical conditions that are expected to drive medical plan costs in 2024 are the same ones that had the greatest impact on trend in 2023, including:
● Cancer/Tumor Growth. The most common cancers are breast, lung, colorectal and prostate. Cancer is a top condition in all regions other than MEA. Countries such as Portugal, Turkey, Switzerland and Israel all consistently report cancer as the top condition, while LAC and Europe have also seen increased prevalence of this condition.
● Cardiovascular. Cardiovascular diseases include disorders of the heart and blood vessels. Collectively, they have been a top condition negatively impacting claims in APAC, Europe and LAC regions, with Argentina, Belgium, Costa Rica, Japan and South Korea being the countries consistently reporting this as their leading condition.
● High Blood Pressure/Hypertension. High blood pressure and hypertension are leading risk factors for many other conditions and are continuously reported as top conditions driving adverse claims experience in MEA. South Africa, Philippines, Dominican Republic and Bulgaria are just some of the countries that consistently report this as their leading condition.
2024 Global Medical Trend Rates Report
4
Although the leading conditions driving the trend rate – cancer and cardiovascular – are associated with risk factors like poor nutrition, air pollution, and excessive drug and alcohol use, it is physical inactivity and poor stress management that continue to lead the list of risk factors. As mentioned above, hypertension is both a leading condition in and of itself, and a leading risk factor for other conditions.
Obesity is also an important risk factor expected to drive future claims, particularly in the United States and LAC where it continues to be reported as the second most relevant risk factor. In the US, obesity is immediately followed by excessive alcohol or drug use as key risk factors, and in LAC it is followed by bad nutrition, which is mostly a consequence of poor eating habits.
Lack of screening – which has historically been reported as a risk factor in MEA and more recently in Europe – is also being reported for the second year in a row as the most important risk factor in Canada driving future adverse claims.
Additional noteworthy conditions
Diabetes. Diabetes has been gradually gaining global relevance as a top condition driving medical claims around the world. It is expected to be the top reported condition for 2024 in Canada and Saudi Arabia.
Musculoskeletal/Back Pain. Musculoskeletal pain and back pain are conditions that are consistently reported for North America, particularly in the United States, where trauma, back pain, and arthritis are the three most common conditions, with nearly one in two adults affected1. In Europe, these conditions have been consistently reported as a top-three driver for claims, with Denmark, Norway and Sweden in the forefront.
ENT/Lung Disorder/Respiratory. Ear, nose and throat conditions, alongside lung and respiratory diseases, have historically played a significant role in driving adverse claims
in APAC and MEA, and now most recently in Canada. In MEA, these conditions are expected to be the second most impactful claims driver in 2024, behind only hypertension.
Mental Health. Mental health is a major contributor to morbidity, disability, injury, and premature mortality, and also increases the risk of other health conditions2. Since the beginning of the COVID-19 pandemic, mental health has been reported in Europe as a leading condition driving claims. This is especially true in the Netherlands, Germany and the Scandinavian countries. Canada has also seen an increase in the prevalence of this condition, which in 2024 is listed second, after diabetes.
What are leading employers doing to mitigate rising costs?
Health and wellbeing costs have become an important concern for companies as year-over-year medical plan costs continue to rise. These rising rates often bring unexpected or unbudgeted cost increases and make affordability for employers and employees more difficult.
At the country level, companies looking to mitigate these increased costs are using a familiar set of strategies. Wellbeing initiatives are again the leading mitigation strategy. These initiatives help to control costs in a couple of ways: by encouraging utilization of preventative care, they can avoid more expensive care down the road; and by keeping employees engaged in their wellbeing, they can reduce the stress that can exacerbate other health conditions.
Cost containment measures – initiatives aimed at reducing or controlling overuse, such as raising deductibles and copays and the use of referrals – are expected to play an important role during 2024. More significant plan design changes, such as the use of flexible benefit plans to cap overall benefit costs, and access and delivery restrictions, are all measures designed to incentivize plan members to seek care in a cost-effective manner and are also expected to play a role in 2024.
Flexible benefit plans are worth mentioning as an increasingly used mitigation initiative at a global level, with around 60 percent of countries identifying this as a top initiative to consider in 2024. Countries like Spain, South Africa, and the United States already have this as one of their most important initiatives. Apart from allowing employers a greater deal of cost control, flexible benefit plans often serve as an enabler of change in employees’ behavior. They also work as an HR tool to deliver differentiated benefit packages that can attract and retain talent, while also offering adaptative benefits to meet individual needs and address company policies around Diversity, Equity, Inclusion and Belonging (DEIB).
2024 Global Medical Trend Rates Report
2024 Global Medical Trend Rates Report
6
“As employer-sponsored medical plans become a larger part of total rewards spend, and pressure mounts to accurately forecast and manage costs, we hope you find the information on this report valuable as you plan your global budgets and benefits strategies for 2024 and beyond. For more information on how Aon can help an organization make better decisions, please reach out to your Global Benefits team.
Aon is in the business of better decisions.
Rui Silva Vice President, Medical Trend Leader, Global Benefits
Wellbeing and integration with other corporate initiatives
There is no doubt that companies are taking wellbeing seriously. According to the 2022-2023 Aon Global Wellbeing Report, 83 percent of employers globally have a wellbeing strategy in place and have responded that wellbeing is a top priority for the next five years.
Furthermore, an increasing number of countries are reporting wellbeing as their single most important cost mitigation initiative, with a quarter of the 113 countries citing wellbeing’s importance and countries like Brazil, Colombia, India, Singapore and Hong Kong at the forefront.
Implementing a long-term health and wellbeing strategy becomes increasingly crucial to cost containment. It is important that this strategy align with other strategic corporate initiatives like DEIB and Environmental, Social and Governance (ESG) policies. Every company is different, but almost all leading employers look at the following as they devise a health and wellbeing strategy:
● Long-term healthcare financing – A long-term perspective on healthcare financing allows employers to gain insight and influence over their healthcare spend by leveraging broker and vendor consolidation and identifying alternatives to traditional financing. One such alternative is to use a captive insurance vehicle. Captives provide far greater control over pricing and facilitate the linkage between wellbeing, DEIB initiatives and healthcare spend.
● Healthcare analytics – For any strategy to work, it must be built on robust data and an understanding of the underlying health cost drivers. Many leading employers are looking towards using a “Global Health Dashboard” to access regular reports on claims and diagnostic data for their major healthcare plans, which can then be used to set and measure tailored initiatives, budget costs appropriately, and react to unexpected claims.
● Broad wellbeing strategy – Leading employers build resilient workforces by combining healthcare data with other key wellness data sources (time off, wellbeing app data, EAP statistics, etc.) to identify a broad set of wellbeing focus areas and then implement programs and strategies to tackle these key challenges.
7
Average Medical Trend Rates
Global/Region (Average percentage):
North America Europe
Middle East & Africa
Source: Aon
Gross
6.6 9.1
14.5
Net
3.8 5.3
8.1
Annual General Inflation Rate
2.8 3.8
6.4
2023
Annual Medical Trend Rates
Annual General Inflation Rate
2.3 3.7
7.4
2024
Annual Medical Trend Rates Gross Net
7.6 5.3 10.4 6.7
15.1 7.7
“General Inflation Rate” is the 2024 projected domestic general inflation published by the International Monetary Fund (IMF) World Economic Outlook Database April 2023.
All information within this document is reported as of September 2023, with the 2023 individual country figures as reported in the 2023 Global Medical Trend Rates report, and the 2023 General Inflation figures being the IMF outlook released in April 2022. Download previous versions of this report on our website.
The IMF outlooks are considered the best available proxy for domestic inflation and were used across all countries except for Bermuda, where the best available proxy was the most recent domestic retail inflation data as reported by the Bermuda central bank.
“Net” indicates medical trend rates net of domestic general inflation rates. This report was developed in Q3 2023, and all commentary is based on the figures and predictions available at this time.
• The 2024 medical trend rate for the United States was obtained from Aon’s Health Value Initiative database, as applicable to PPO plans, adjusted to reflect expected increases prior to any plan, program or carrier changes for cost containment.
• For Lebanon, Pakistan, Sierra Leone, Venezuela and Zimbabwe, we are not reporting 2024 medical trend rates due to a prevailing hyperinflation environment. We have also excluded those countries, alongside Argentina and Ukraine, from regional and global averages.
• Algeria, Morocco, and Russia were included in the tables below, but with no medical trend rate being reported.
• An “n/a” represents rates that were not made available, or were not reported, by the respective sources.
2024 Global Medical Trend Rates Report
Global
3.6
9.2
5.6
3.6
10.1
6.5
Asia-Pacific
3.0
9.2
6.2
3.6
9.7
6.1
Latin America & Caribbean
4.3
11.6
7.3
4.1
11.7
7.6
Regional/Country (Average percentage):
Canada
Source: Aon
Australia China India Japan Malaysia New Zealand Papua New Guinea
Nigeria Saudi Arabia Sierra Leone Sultanate of Oman Tanzania 5.4 Uganda 4.1 Zambia 9.2
Source: Aon
2.0 2.5 2.3 5.6 5.7
Middle East & Africa
6.4
14.5
8.1
7.4
15.1
7.7
2024 Global Medical Trend Rates Report
Angola
13.2
16.0
2.8
10.8
20.0
9.2
Botswana
4.5
11.0
6.5
5.2
12.0
6.8
6.1 10.0 3.9
Egypt
11.0
27.0
16.0
18.0
29.0
11.0
Ghana
13.0
21.0
8.0
22.2
35.0
12.8
Ivory Coast
2.3
16.5
14.2
1.8
15.0
13.2
Kenya
7.1
9.8
2.7
5.6
12.5
6.9
Lebanon
n/a
n/a
n/a
n/a
n/a
n/a
Malawi
7.1
16.0
8.9
18.3
27.5
9.2
Morocco
2.3
n/a
n/a
2.8
n/a
n/a
Namibia
4.6
8.7
4.1
4.6
9.5
4.9
Qatar
3.2
8.5
5.3
2.7
8.5
5.8
Senegal
2.2
7.0
4.8
2.0
10.0
8.0
South Africa
4.6
8.7
4.1
4.8
9.5
4.7
Swaziland
4.2
7.2
3.0
4.8
9.0
4.2
Tunisia
n/a
n/a
n/a
9.5
10.2
0.7
United Arab Emirates
2.8
11.0
8.2
2.0
10.0
8.0
Zimbabwe
46.5
n/a
n/a
134.6
n/a
n/a
About Aon
Aon plc (NYSE: AON) exists to shape decisions for the better — to protect and enrich the lives of people around the world. Our colleagues provide our clients in over 120 countries and sovereignties with advice and solutions that give them the clarity and confidence to make better decisions to protect and grow their business.
Follow Aon on LinkedIn, X, Facebook and Instagram. Stay up-to-date by visiting the Aon newsroom and sign up for news alerts here.
This document is neither intended to address the specifics of your situation nor is it intended to provide advice, including but not limited to medical, legal, regulatory, financial, or specific risk advice. You should review the information in the context of your own circumstances and develop an appropriate response.
For expat parents, one of the biggest concerns is ensuring that their children are safe, well-educated and enjoy a good quality of life. Whether moving through choice or due to a work placement, expat parents tend make choices based upon their children’s welfare by exploring schools, leisure activities, and family-friendly residential areas. InterNations 2016 Expat Insider survey has revealed some changes in the Family Life Index, which focuses upon childcare, education, and family-welling being. Expats living across 45 countries were surveyed and the responses in the Family Life Index go a long way into pointing out the prime locations for potential expat parents.
Flying high in the latest survey was Finland, taking the top spot in three of the four subcategories (availability of childcare and education, cost of childcare and education, and quality of education). This boosted Finland to position one in the Family Life Index, with not one single parent claiming Finland’s child safety, education, health, leisure, and general wellbeing to be anything but positive.
Finland’s expat children scored above average in the PISA tests; The Programme for International Student Assessment. For this reason, it is no surprise that 70% of respondees claim the quality of education to be excellent, compared to a global average of just 21%.
Second place in the Family Life Index went to the Czech Republic who previously ranked 14th in the 2015 survey. Their third-place result in availability of childcare and education and cost of childcare and education helped boost them into the fantastic position. They also performed well in the family well-being subcategory, securing 6th position.
Around three quarters of respondees championed the affordability of availability of childcare and education available to expat families in the Czech Republic. 91% of expat parents who responded in the country said they were satisfied overall with their child’s well-being on all levels, from health to education.
Although Israel may not be considered a popular expat destination it performed extremely well in the Family Life Index, coming 3rd. The country performed well in both the family well-being and availability of childcare and education subcategories (securing 5th position in both), as well as a 6th place for quality of education.
Making up the remaining top 10 best countries for family life were Austria, Sweden, Norway, Australia, Taiwan, Belgium, and Germany.
Countries who performed the worst in the Family Life Index include Turkey, Qatar, Greece, Saudi Arabia, and Brazil.
Revealed: Countries With The Best Health Care Systems, 2021 Sophie Ireland Sophie Ireland Stats Gate April 27, 2021
CEOWORLD magazine South Korea has the best health care systems in the world, that’s according to the 2021 edition of the CEOWORLD magazine Health Care Index, which ranks 89 countries according to factors that contribute to overall health.
Two additional Asian nations were among the top 10 in 2021: Taiwan (second place) and Japan (fifth). As for European countries, they occupy SIX of the top TEN spots in this year’s ranking: Denmark (3rd place) Austria (4th place), France (7th), Spain (8th), Belgium (9th), and the United Kingdom 10th place.
Of the 89 countries surveyed, South Korea’s healthcare comes in 1st place on the list scoring 78.72 out of 100 on the Health Care Index. At the opposite end of the spectrum, with a score of 33.42, Venezuela top the list of the countries with the worst health care systems for 2021.
The Health Care Index is a statistical analysis of the overall quality of the health care system, including health care infrastructure; health care professionals (doctors, nursing staff, and other health workers) competencies; cost (USD p.a.per capita); quality medicine availability, and government readiness. It also takes into consideration other factors including, environmental, access to clean water, sanitation, government readiness on imposing penalties on risks such as tobacco use, and obesity. The ranking looks at 89 countries around the world on five different health variables.
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