2022 Global Medical Trend Rates Report Global BenefitsKey Highlights Table of Contents Introduction 1 2 Key Highlights Global Overview 2 4 Regional Commentaries The Global COVID-19 Pandemic Impact on Medical Plans Usage 9 Call to Action 11 Results Summary 12 Medical Plan Features 12 12 13 14 15 16 17 18 Medical Plan Financing Approaches Medical Plan Employee Cost-Sharing Most Important Elements of Medical Plan Cost Key Conditions Driving Adverse Medical Claims Experience Risk Factors Driving Supplementary Medical Plan Costs Mitigation Initiatives to Control Medical Plan Cost Escalation Average Medical Trend Rate Tables Other Survey Results 24 Levels of Claims Information Available from Carriers Prevalence of Medical Plan Features and Derivative Bene?ts Alternative/Innovative Delivery Mechanisms 24 25 26 Regional Summary of Employee Cost-Sharing Practices Impacting Premiums 27 Regional Summary of Employee Cost-Sharing Practices Impacting Claim Outlays 27 28 28 Global Wellbeing Initatives Global Wellness and Health Promotion Initatives Glossary of Terms Appendix 37 38 39 Who to Contact 2 2GlobalGlobalMedicaMedicall TrendsTrendsIntrodu