为亚太地区的医疗保险制定新的方向

Growth opportunities remain in the Asia Pacifichealth insurance market despite pressures from and post-retirement healthcare affordability alsopersist. SEIZING GROWTH THROUGHSTRATEGIC INNOVATION Despite these pressures, the APAC health insurancemarket presents compelling opportunities for the and medical advances amid rising costs. Rapid economicgrowth, demographic shifts and technology are drivingsignificant change, challenging stakeholders whileopening new opportunities for innovation to meetevolving community expectations. Technological innovations, including artificialintelligence and wearable devices, enable moreprecise risk assessment and personalised policies.These advancements encourage preventive health CONFRONTING THE SURGEIN MEDICAL EXPENSES The foremost challenge confronting the APAC healthinsurance sector is the relentless rise in medicalcosts. Mercer Marsh Benefits’ latest Health TrendsReport for Asia points to a persistently high projectedmedical-inflation trend rate of 13% for 2025. Keydrivers of inflation include increased prevalence of Sustainability and ESG principlesare emergingas key differentiators. Developing products alignedwith societal values attracts conscientious consumersand supports long-term brand loyalty. Insurers Collaboration among insurers, reinsurersand fintech partnersis crucial in addressing theageing demographic – a significant cost driver – bydeveloping integrated solutions that combine healthcoverage with retirement planning. Such ecosystems Compounding these cost challenges are regulatorychanges, including the implementation of IFRS17, risk-based capital frameworks and, in somejurisdictions, premium/rating controls. This isleading to increased operational complexity and, inmany instances, necessitating significant innovationinvestment (e.g., advanced data analytics and By embracing these opportunities, the sector cantransform cost pressures into resilient, customer-centric strategies, securing enduring success in this HOW GUY CARPENTER CAN HELP Guy Carpenter offers unparalleled expertise in healthinsurance across life and property and casualtysectors, supported by centres of excellence in China,Hong Kong and Singapore. Its proprietary mortality SHIFTING CONSUMER EXPECTATIONS Consumer demands are evolving toward greaterinclusivity. Mental health coverage is gainingprominence, alongside support for caregivers facingincreased stress. Women’s health issues, including With deep experience in reinsurance structuring,product development and the establishment of healthinsurance value chains, Guy Carpenter is uniquely positioned to guide insurers through the complexitiesChee Kok Poh,Senior VicePresident,