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Health Insurance Costs - Insights & Implications


Medical inflation continues to outpace general inflation. The 2019 Medical Trends Around the World survey results detail how health conditions, supplier factors and consumer habits are driving costs.


This Year's Top Findings

From January to March we surveyed 204 insurers globally. The highest cause of claims costs remains cancer and diseases of the circulatory system with top risk factors continuing to be: metabolic and cardiovascular, dietary and emotional/mental. Key highlights from this year’s annual survey include:

No Reprieve in Medical Inflation

The average global medical trend rate observed in 2018 was 9.7%, three times the general rate - with a similar increase expected for 2019, and even higher rates for 2020.

Smarter Health Care Consumers

The number of insurers investing in quality focused care, that provides the right care at the right time in the right setting, has more than doubled.

Virtual care becoming reality

78% of insurers globally are considering or have developed virtual health consultations.

Lifestyle factors driving increases

Non-communicable diseases, largely related to lifestyle choices, continue to drive claims by cost and frequency.