慕尼黑再保险健康险系列培训课件2世界医疗保健市场WorldwideHealthInsuranceMarketsfinal

WorldwideHealthcareMarkets世界医疗保健市场MARKETCLUSTERS–OVERVIEWPRELIMINARYFinancialprotectionQualityofpublicsystemDegreeofcoverage*DevelopmentofPHI**marketInformationandguidanceDemandforinformationandguidanceManagementofcareDegreeofdevelopmentQualityDeliveryofcareQualityofpublicprovidersQualityofprivateprovidersSizeofPHI**market,estimate2021EURbillionsUSA~1,078Beta~65Gamma~23Delta~22DegreeofdevelopmentofhealthcaresystemLowHighAlpha~119市场群体划分财务保护公共效劳系统的质量覆盖程度私人健康险*市场的兴旺程度信息与指导对信息与指导的需求医疗卫生的管理兴旺程度质量医疗卫生的提供公立提供者的质量私立提供者的质量*预计2021年私人健康险市场的规模(单位：10亿欧元)美国~1,078Beta~65Gamma~23Delta~22医疗系统的兴旺程度低高Alpha~119COUNTRYCLUSTERS

Source: MunichRe,McKinseyBetaArgentinaAruba,

Bonaire,CuracaoBrazilChileCyprusGreeceItalyJordanLebanonKoreaMexicoPeruSaudiArabiaTurkeyUnitedArabEmiratesUKGammaCentralAmericaHongKongIndonesiaPhilippinesMalaysiaSouthAfricaVenezuelaAlphaAustriaBelgiumCanadaColombiaDenmarkFinlandGermanyFranceIsraelJapanNetherlandsNorwayPortugalSingaporeSpainSwedenSwitzerlandDeltaBelorussiaBoliviaBulgariaChinaCzechRepublicEcuadorEstoniaEx-JugoslaviaGeorgiaHungaryIndiaLatviaLithuaniaMoldaviaPolandRomaniaRussiaSlovakiaSloveniaSriLankaThailandUkraineWITHOUTUSA国家群

Source: MunichRe,McKinseyBeta阿根廷阿鲁巴岛,

博内尔岛,库拉索岛巴西智利塞浦路斯希腊意大利约旦黎巴嫩韩国墨西哥秘鲁沙特阿拉伯土尔其阿拉伯联合酋长国英国Gamma中美洲香港印尼菲律宾马来西亚南非委内瑞拉Alpha奥地利比利时加拿大哥伦比亚丹麦芬兰德国法国以色列日本荷兰挪威葡萄牙新加坡西班牙瑞典瑞士Delta白俄罗斯玻利维亚保加利亚中国捷克厄瓜多尔爱沙尼亚原-南斯拉夫乔治亚匈牙利印度拉脱维亚立陶宛摩尔达维亚波兰罗马尼亚俄罗斯斯洛伐克斯洛文尼亚斯里兰卡泰国乌克兰美国除外HEALTHEXPENDITUREINPUBLICANDPRIVATESECTORPERCLUSTER,1998 * Includesprivatehealthinsurance,out-of-pocket

disbursement,andotherexpenditures Source: WHO,McKinseyInEURbillionsOut-of-pocketdisbursementforhealthClusterAlphaBetaGam-

maDeltaUSPublichealthexpenditure765556ClusterAlphaBetaGam-

maDeltaUSPrivatehealthexpenditure*685ClusterAlphaBetaGam-

maDeltaUSPrivatehealthinsuranceexpenditure415ClusterAlphaBetaGam-

maDeltaUSTotalhealthexpenditure1,2401,021ClusterAlphaBetaGam-

maDeltaUS1998年医疗卫生支出分类 * 包括私人健康保险，个人自付费用及其它支出 Source: WHO,McKinsey(单位：10亿欧元)个人自付用于医疗卫生的支出国家群AlphaBetaGam-

maDeltaUS公共医疗卫生支出765556国家群AlphaBetaGam-

maDeltaUS私立医疗卫生支出*685国家群AlphaBetaGam-

maDeltaUS私人健康险支出415国家群AlphaBetaGam-

maDeltaUS总的医疗卫生支出1,2401,021国家群AlphaBetaGam-

maDeltaUS Amongtheadvancedeconomies,fivedifferenthealthacresystemshaveemergedNationalServicesModel(UK)NationalHealthInsuranceModel(Canada)SocialInsuranceModel(Germany)SocialInsurancewithVoluntaryPrivateInsurance(Australia)VoluntaryHealthInsurance(U.S.A.)Overview>> 兴旺的经济体制形成了五种不同的医疗卫生体系模式国家效劳模式〔英国〕国家医疗保险模式〔加拿大〕社会医疗保险模式〔德国〕社会保险与自愿私人保险结合模式〔澳大利亚〕自愿健康保险模式〔美国〕概览>>NationalServiceModelU.K.NationalHealthInsuranceModelCanadaSocialInsuranceModelGermanySocialInsurancewithVoluntaryPrivateInsuranceAustraliaUSAVoluntaryHealthInsuranceWelfare

StateIndividual

Responsibility(U.K.;Italy;Spain)(France;Belgium)(Germany;Netherlands)>>Overview国家服务模式英国国家医疗保险模式加拿大社会医疗保险模式德国社会保险与自愿私人保险结合模式澳大利亚美国自愿健康保险模式福利国家个人负责制>>概览NationalServiceModel(U.K.)StrengthMorehealthinformationMostequitable(fair)HighertransparencyCost-effectiveMoretailoredcareservicesIntegrationofprimarycare,specialityandcommunityservicesGreaterdecisionmakingpowerFreechoiceofGP’sLowhealthexpenditureinflationDraw-backLongwaitinglistforspecialityservices国家效劳模式(英国)优点：更多的医疗卫生信息，最公平本钱效益具有更高的透明度将初级护理，特殊护理及社团效劳融为一体，具有更多有针对性的效劳对医生的自由选择有更大的决定权医疗卫生支出增长较低缺乏之处：特殊效劳的需求要经过长期等待SocialInsuranceModel(Germany)StrengthQuiteequitable(fair)CapabletomanagehealthexpenditureinflationthroughnegotiationsBalanceofdemandandsupplyFreechoiceofprovidersDraw-backInefficiencySeparationofprimarycarefromspecialityandhospitalcare社会医疗保险模式(德国)优点：相当公平能够通过协商管理医疗费用的上涨供需平衡医疗效劳提供者的自由选择缺乏之处：效率不够初级护理与特殊护理及住院治疗别离VoluntaryHealthInsurance(USA)StrengthChoiceofdifferent“quality〞levelsofserviceServicesarepatient-centredRapidorganisationalinnovationsDraw-back15%uninsuredExpenditureinflationishardtomanageHighadministrativecosts自愿健康保险模式(美国)优势：不同效劳档次的选择以患者为核心的效劳快速的机构革新缺乏之处：15%的未保人群费用上涨难于控制很高的管理本钱BalanceTren