2026年全球医疗趋势费率报告：全球概览与数据表

2026 Global MedicalTrend Rates Report About the Report 2026 Global Medical Trend Rates ReportThe Aon 2026 Global Medical Trend Rates surveywas conducted across 100+ Aon locations thatbroker, administer or otherwise advise on employer-sponsored medical plans. The survey responsesreflect the medical trend expectations of Aonprofessionals based on their interactions with clients trend represents the rate at which these costs are Typically, medical costs are assumed to increaseevery year; a declining trend means costs arerising more slowly than before, not that they are The trend rate figures shown in this report representthe percentage increases in medical plan unit costs,both insured and self-insured, that are anticipatedfor the coming year. The medical trend rates Medical trendrefers to the predicted annual percentage increase in the cost of treating patientsand providing healthcare services, serving as atool to forecast rising healthcare expenses by Executive Summary The 2026 Global Medical Trend Rates Report isbeing released amid economic and geopoliticaluncertainty including recently announced globaltariffs. While global inflation continues to showsigns of cooling, some countries and regions are still Therefore, it remains important to highlight regionaltrends, including the conditions driving the trendrate and the ways in which companies are mitigating ●While still the second lowest gross medical trendrate across the regions,North America(comprisedof Canada and the United States) is one of only tworegions with an anticipated gross medical trendrate higher than that predicted for 2025, at 9.3% In addition to macroeconomic global factors, trendsin the healthcare space are also contributing to thecontinued high medical inflation rates compared tohistorical norms. These include higher utilization ●APACis the second region with an anticipated gross medical trend rate higher than what waspredicted for 2025, at 11.3% (up 20bps from 11.1%in 2024). This is especially notable as inflation iscooling semi-significantly in APAC (decrease of Despite sustained upward cost pressures,the global average medical trend rate for2026 is expected to be 9.8%, continuingthe trend from last year of declining ○Around one third of APAC markets — includingChina, Singapore, the Philippines and India —expect a slight decrease in medical trend rates ○Offsetting and counteracting these declines isupward pressure in the remaining two-thirds ofcountries, driven by aging populations, chronic including the continued introduction of advancedmedical technologies, dependence on imported The slight decline observed is largely drivenby lower increases in the medical trend ratein Brazil and Colombia, two of LAC’s largereconomies. This drop in trend is due largely to 2026 Global Medical Trend Rates Report●The Middle East and Africa (MEA)also see net medical trend rates higher than last year (7.6% in2026 vs. 7.3% in 2025), but contrary to APAC, thegross rates in MEA are projected to be lower than ○In MEA, over half of the markets are projectinglower medical trend rate increases in 2026than in 2025, including Saudi Arabia, one ofMEA’s largest countries. Meanwhile, other largecountries such as South Africa and the United ●Europeagain benefited from a declining annual general inflation rate, with a projected medicaltrend for 2026 of 8.2%, down from 8.9% in2025. Seventy percent of the countries surveyed ○The most notable decrease in medical trendrate is the 5% reduction in the UK, due to theflattening out of the post-pandemic surge inutilization. This decrease in trend suggests that ○Where increases are expected, the reasonsmost often cited are increased demand forhealthcare services, dependence on imports ○Meanwhile, other countries in Europe continueto project modest increases, driven largely byincreased utilization and demand for privatehealthcare. These factors are the result of ●Latin America and the Caribbean (LAC)are projected to experience a slight decline inmedical cost growth with a projected grossmedical trend rate of 10.2% for 2026, down Spotlight: Medical Trend for Expat Policies Backdrop 2026 Global Medical Trend Rates ReportAccording toAon’s 2025 International People MobilityReport, international health insurance is now the mostprevalent benefit provided to international assignees,with 79% of expatriates utilizing the benefit. Given this, Similar to medical trend patterns observed in countriesaround the world, the anticipated medical trend forexpatriate policies varies by region depending on theperformance of the insurers, the benefit structure oftheir policies and their overall approach to the market. In expatriate destinations, namely Switzerland, Singapore,Hong Kong and the U.S. These locations will influence the Market Trends We continue to see companies focused on costcontainment in their benefit plans. Some employers areexploring alternative benefit strategies to manage risinghealthcare costs whi