2026年国际流动员工保险福利调研报告

Insured Benefits for InternationallyMobile EmployeesMercer Marsh Benefits Table ofcontents This survey report aims to help you benchmarkyour organization’s mobility benefits strategy andfuture plans. It provides insights into emergingtrends in international insured benefits, includinginternational remote workers, inclusive benefits,cost containment, and more. Participant Profile4Benefits Strategy and Market Outlook7Benefit Design—AShift Towards RelevancyandPersonalization16The RoleofInternational Private Medical Insurance22BenefitsManagementandCostContainment27 Key insights The balancingactbetween cost andtalent managementcontinues to intensify The role of internationalprivate medical insurance(IPMI) is evolving A growing necessity forbenefit benchmarking Greater focus onimproving members’health journey A drive to create betterhealth outcomes Against a backdrop of heightenedcosts and geopolitical pressures,employers look to alignprevention and planmanagement to support thehealth needs of a diverse mobilepopulation and drive betterhealth outcomes. Business critical globalassignments are increasing,with 47% ofsurveyrespondents looking togrowassignee numbers in thenext 12 monthstosupportoverseas expansionand bolster local talent in keyregions. Almost all employers wanttoprovideinternationalbenefits in line with or abovetheir industry peers–however, over 50% do notknow if their existingprovisions meet thisexpectation. With employeesciting thecomplexities of claims service,navigating foreign healthcaresystems and understandingtheir plans as key challenges,frequent and engagingcommunication remainsessential to creating a smoothmember experience. There is still uncertainty abouthow to support and protectremote workers, with mostemployers still having nodefined benefit policy orutilizing global medicalinsurance as the de factosolution. Competition for global talentis intensifyingand, withmobile employeeslistingmedical cover asa leadingconcern prior to anassignment, the requirementfor data-driven benchmarkinginsights to optimize benefitspend is becomingincreasingly important. Traditional prevention remainshigh on the agenda, with healthscreenings an important part ofbenefit design. However,employers are also modernizingbenefits in line with their SocialBusiness Goals. Employers are also turning toglobal medical insurance toreward key localexecutivestaff andusingIPMIasaconsolidated solution tocover low headcount of localnationals where domesticmarkets cannot meetexpectations. The fullimpact of artificialintelligence(AI) is yet to beseen, and employers do not yetsee the use of AI as a key driverin selecting an insurer. In theimmediate term, digitalpathways and effectivemember education, with HRand mobility teams workingclosely together, hold the keyto alleviating the most pressingissues faced by mobileemployees. Concurrently, the cost ofmedical arrangementsremainsthe largest challenge-withclients experiencingdouble-digit premium increases. Despite this, employers seeduty of care as a top priorityand96% do not expect toreduce the internationalbenefits they offer over thenext 12 months-creating acomplex balancing act withinan uncertain globalenvironment. Prevention is expected to evolve,with new medicines and geneticsaimed at proactively improvinghealth managementbecomingmore prevalent features of amedical policy. ParticipantProfile Participant profile The survey was closedinJanuary 2026, with participation from 188organizations. Company’s primary line of business Energy(excludesChemicals)9% Manufacturing16% Financial Services11% 11% Responses were collected from 23 industry sectors and fromorganizations of all sizes. Professional Services(excluding thoseassociated with Financialand Technology) Life Sciences(excludes AnimalHealth)6% Material andIndustrial7% Communications,Media, andTechnology7% ConsumerGoods(excludes Retail)8% Chemicals(excludes ConsumerProducts, Pharma)3% Education2% Arts,Entertainment,Recreation2% Retail/Wholesale(excludesConsumerGoods)5% Logistics, Marine,and Supply Chain2% N=188NGO/IGO2% Transportation2% 2% Healthcare(Hospitals and HealthSystems; excludesHealth Devices) 5% Other Participant profile In which key regions are your employees covered under aninternational medical benefits program? How many employees are covered under international medicalbenefits? Benefits Strategyand Market Outlook Most employers still expect to grow their mobility program Based on your own projections and company’s performance, doyou expect numbers of your international assignees to increaseor reduce in the next 12 months? How many globally mobile employees does your organizationemploy worldwide? Growth areas for international medical benefits plans In which key regions do you expect the number of employees covered under an international medical benefitsplan to increase in the future? Reasons for changes in international assignee numbersWhat are the reason(s) for a