{"id":172,"date":"2015-11-19T17:16:43","date_gmt":"2015-11-19T09:16:43","guid":{"rendered":"http:\/\/www.pacificprime.hk\/blog\/?p=172"},"modified":"2018-02-26T15:11:20","modified_gmt":"2018-02-26T07:11:20","slug":"hong-kong-featured-in-ipmi-inflation-report","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/hong-kong-featured-in-ipmi-inflation-report\/","title":{"rendered":"Hong Kong featured in medical insurance inflation report"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Pacific Prime has officially launched their annual report on inflation in the International Private Medical Insurance (IPMI) industry in 2015. We are excited to share it here today via our blog and social media channels, and feel that it provides readers with a sound understanding of and justification for premium increases seen in the past year.<\/span><\/p>\n<h2><b>About the report<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">As you can guess from the name, this report focuses on inflation seen in the International Medical Insurance industry in 2015. This year&#8217;s report, which is available on our <a href=\"http:\/\/www.pacificprime.com\/ipmi2015\/\" target=\"_blank\" rel=\"noopener\">website<\/a>, or for as a <strong>free<\/strong>\u00a0<a href=\"http:\/\/www.pacificprime.com\/ipmi2015\/download\/\" target=\"_blank\" rel=\"noopener\">PDF<\/a>, follows the same base format as last year&#8217;s report &#8211; which is available here &#8211; and includes the same insurers, plans, countries and regions, all in an effort to help shed light on premium inflation seen in international medical insurance plans from the most popular IPMI providers.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=single\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1644\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Individual Health Insurance Plans\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In an effort to make the report as digestible as possible, we have broken it down into a number of sections including: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A global overview of inflation and the four key drivers that influence IPMI premiums on a global scale. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical insurance inflation in South East Asia &#8211; including Hong Kong, China, Thailand, Singapore, Indonesia, and the Philippines. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical insurance inflation in the Middle East &#8211; including Dubai.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical insurance inflation in the Rest of the World &#8211; including the UK, Brazil, and Kenya<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Each section is presented in a visual nature, along with an explanation allowing readers to quickly learn about IPMI inflation in their region of choice. <\/span><\/p>\n<p><!--more--><\/p>\n<h2><b><br \/>\nInflation at the global level<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Globally, Medical Inflation premiums went up by 9.2% on average, a large increase from the 7.1% inflation seen in 2014. This year, we introduced a new comparison point to the report &#8211; the consumer price inflation &#8211; and were quite interested to find that, as you can see in the graph below, health insurance inflation tracks consumer price inflation but remains consistently higher by an average of 5%. \u00a0\u00a0<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-174\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2015\/11\/IPMI-Global-Inflation-comparison.png?resize=600%2C371\" alt=\"Global IPMI Inflation vs CPI\" width=\"600\" height=\"371\" srcset=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2015\/11\/IPMI-Global-Inflation-comparison.png?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2015\/11\/IPMI-Global-Inflation-comparison.png?resize=300%2C186&amp;ssl=1 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" data-recalc-dims=\"1\" \/><\/p>\n<h2><b>IPMI inflation in Hong Kong<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">In 2015 Hong Kong saw international health insurance premiums increase from between 6.3% to 13.4%, which resulted in an average increase of 9.4%. As you can see from the chart below, IPMI inflation in Hong Kong does not actually follow the consumer price inflation seen in Hong Kong. This tells us that health insurance premium increases in Hong Kong are influenced more by global IPMI than local inflation trends.<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-173 size-full\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2015\/11\/IPMI-Inflation-in-Hong-Kong-2008-2015.png?resize=600%2C371\" alt=\"IPMI Inflation in Hong Kong 2008-2015\" width=\"600\" height=\"371\" srcset=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2015\/11\/IPMI-Inflation-in-Hong-Kong-2008-2015.png?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2015\/11\/IPMI-Inflation-in-Hong-Kong-2008-2015.png?resize=300%2C186&amp;ssl=1 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" data-recalc-dims=\"1\" \/><\/p>\n<h2><b>Drivers behind inflation<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When looking into inflation of any kind you will always find a wide variety of influences, but when it comes to IPMI inflation, Pacific Prime believes that the most influential is the cost of health care. According to a report published by <\/span><a href=\"http:\/\/www.aon.com\/attachments\/human-capital-consulting\/2015_Global_Medical_Trend_Rate_Survey_Report_2015_01.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Aon Hewitt<\/span><\/a><span style=\"font-weight: 400;\"> earlier this year, the cost of health care rose in 2015 by 10.15% which parallels and directly influences health insurance inflation. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In our report, we identify four key drivers to the cost of healthcare that in turn directly impact the cost of health insurance: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>New medical technology &#8211; <\/b><span style=\"font-weight: 400;\">The medical industry is arguably one of the greatest users of technology. From new diagnostic tests, to pharmaceuticals, to machines, technology has been integrated and leveraged to increase the effectiveness of modern medicine. The major downside to this is that the vast majority of technology is not cheap and needs to be paid for via patient fees. Subsequently, this means insurers also need to increase premiums in order to be able to cover these fees. <\/span><\/li>\n<li style=\"font-weight: 400;\"><b>An imbalance of healthcare resources &#8211;<\/b><span style=\"font-weight: 400;\"> The countries included in this report, and many others popular with expats, all face the same problem: There is increasing demand for medical care, yet the supply is not increasing to match this which in turn has placed increased pressure on private medical centers who respond by increasing prices. Because many with IPMI plans prefer private hospitals for care, premiums increase to cover these costs. \u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Rising salaries for healthcare professionals &#8211;<\/b><span style=\"font-weight: 400;\"> Training to be a doctor takes an incredibly amount of time, effort, and most of all money. From the 13 years of post-secondary to the continual re-licensing, the investment needed is staggering. Thus, many doctors demand a higher salary than other occupations which needs to be covered in patient fees and insurance premiums that cover these fees. <\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Overuse of healthcare &#8211; <\/b><span style=\"font-weight: 400;\">While not a problem in every country, in many countries in the report there have been reports of overutilization and high cost claims. This, in turn, means that insurance providers need to increase premiums in order to cover these claims and still offer plans.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In our report we provide an in-depth explanation into each of these four inflation drivers along with country-specific drivers. Click <a href=\"http:\/\/www.pacificprime.com\/ipmi2015\/\" target=\"_blank\" rel=\"noopener\">here<\/a> to view the report and <a href=\"http:\/\/www.pacificprime.com\/ipmi2015\/download\/\" target=\"_blank\" rel=\"noopener\">download it<\/a> for FREE. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">And, as always, if you have any questions about your premiums, please <a href=\"http:\/\/www.pacificprime.hk\" target=\"_blank\" rel=\"noopener\">contact us today<\/a>.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1279\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2019\/06\/HK-BANNER-Couple.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Get a quote banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pacific Prime has officially launched their annual report on inflation in the International Private Medical Insurance (IPMI) industry in 2015. We are excited to share it here today via our blog and social media channels, and feel that it provides readers with a sound understanding of and justification for premium increases seen in the past &#8230;<\/p>\n","protected":false},"author":7,"featured_media":176,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Hong Kong featured in IPMI inflation report","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[131],"tags":[792,791,10,81,79,80,78],"class_list":["post-172","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-ban_sin","tag-cta_gen","tag-health-insurance-in-hong-kong","tag-health-insurance-inflation","tag-insurance-premiums-in-hong-kong","tag-ipmi-inflation","tag-ipmi-insurance"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hong Kong featured in medical insurance inflation report - Pacific Prime Hong Kong&#039;s Blog<\/title>\n<meta name=\"description\" content=\"Pacific Prime has released the 2015 IPMI Inflation report. 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