美世公司：2019年全球医疗趋势报告

2019䎃Ⰼ椕⼕毫馋⸷䫣デBENEFITSTM22019䎃Ⰼ椕⼕毫馋⸷䫣デ32019䎃Ⰼ椕⼕毫馋⸷䫣デ湡䔶1繠⚆鴪⥌プ䊨犷ⵄ㺕露......................................................................................................................42䕧ㆇ꧎⚺佅➰⼕毫犷ⵄ涸⚺銳馋⸷....................................................................................................63⼕毫鸑胆桧馄鵂侮⡤絑崸鸑胆桧.......................................................................................................84椚饄⾲㔔Ղ굥ꤗㄤ勵妴.................................................................................................................125⣘䎾㉁⚺㼋涸⼕毫䧭劥⾓⸂.............................................................................................................166䱽ⵖ䧭劥涸鸀䖈..............................................................................................................................187满滚劢勻涸䧶殜䫏餴.......................................................................................................................248絕露...............................................................................................................................................309Ⱒ✵劥妃靈灇.................................................................................................................................3442019䎃Ⰼ椕⼕毫馋⸷䫣デ1繠⚆鴪⥌プ䊨犷ⵄ㺕露52019䎃Ⰼ椕⼕毫馋⸷䫣デ⡲⚹繠⚆鴪⥌プ䊨犷ⵄ➿邍䧮䖎넞Ⱓ㖑㹒䋒䧮⟌㼜〄䋒痦❀⟧䎃䏞Ⰼ椕⼕毫馋⸷靈叅䫣デկ霪䫣デ㼜ꛏ㼆䧮⟌Ⰼ椕㹐䨪⼕毫⥂ꤗ䧭劥♳嶻涸꡼곿䲿⣘⵸澯䚍涸峯㻋կ⟁➃렽莺涸僽⥂ꤗㄤ湱Ⱒ遤⚌姻鸑鵂⯓鵳䩛媯勻䌐⸔絆絉⠏⻊プ䊨犷ⵄ䧭劥⢪Ⱖ犷ⵄ雦ⴢⰨ㢊葻㥩涸餒⸉〳䭯絯䚍➢罜䌐⸔荈䊹鵄ぢ劢勻կ⡲⚹繠⚆鴪⥌プ䊨犷ⵄ涸倝⟣곭㼋罏䧮㗏⥌䧮⟌㼜♸㹐䨪ծ⥂ꤗⰖ぀ㄤⰦ㸐ざ⡲⠑⠶鸑⸂ざ⡲䲀鵳剣⸔✵佖㊤プ䊨⨴䐀ㄤ䎋犷䠭涸侨䰘끮⸓㘗⴯倝䩛媯⟄姼勻烁⥂㖈姻烁涸傞ꢂㄤ㖑挿䲿⣘鷓ざ涸⨴䐀盗椚剪⸉կ䧮⟌〄梡⥂ꤗⰖ぀姻鸑鵂㼆侨㶶⻊ㄤ侨䰘ⴔ區涸䭯絯䧶殜䫏餴勻䎾㼆⼕毫䧭劥♳嶻涸䮋䧶鵯ꬋ䌢䮷㤃➃䗱կ搬罜銳䟝烁⥂⼕毫⥂ꤗㄤ⼕毫䧭劥絶䭯㖈꧎⚺ㄤプ䊨涸〳餏䬐薴㔵ⰻ䧮⟌⣜搬⟣ꅾ罜麤鵴⼕毫鸑胆桧➠僽侮⡤絑崸鸑胆桧涸鵛♲⦔կ2018䎃涸Ⰼ椕⼕毫鸑胆桧⚹9.7%곫雦2019䎃㼜絩絯㖈鵯♧侨㶶♳♴嵥⸓կ㥵卓尵剣剣佪涸雦ⴢ盗椚瘻殜꧎⚺㼜♶䖤♶䪾刿㢴涸讏ꂹ곫皾ⴔꂁ㖈犷ⵄ♳կ罜㥵➚涸プ䊨⛲㖈銳宠蜦䖤刿룅Ⰼ涸讏ꂹ絆ざ⟄⿺刿Ⱘエ䒸⸂涸犷ⵄ雦ⴢկ㖈姼䧮䟝銳㼆勻荈59⚡㕂㹻*涸204㹻⿬♸2019䎃1剢ⵌ3剢鵳遤涸礵皍靈灇䧮⟌ꅷ》♧䎃皍銳ծ♧䎃霫㽴涸ꢂꥬ靈灇倰䒭涸⥂ꤗⰖ぀邍爙䠭靧կ䧮⟌涸㹐䨪デ霎䧮⟌靈灇涸侨䰘⡤梡✫➭⟌雦ⴢ霃雦Ɀ瘻⚥涸Ⱒꝶ銳稇㔔姼溏ⵌ⥂ꤗⰖ぀腊䣖䢸ⴔ❧荈䊹㼆✵劢勻剒〳遤ծ剒剣佪涸䎁곫䲃倶涸錛鍒䧮⟌ꬋ䌢䠭慨կ䧮⟌䋞劅Ⱖ⚥涸侨䰘ㄤ錛鍒腊㼆䝠剣䨾⸔渤劍䖉♸䝠♧ず霃雦ㄤ䪄遤剣⸔✵⠏⻊䧭劥ծ盗椚굥ꤗծ皍⻊雦ⴢ䪄遤ㄤ⟄侨㶶䩛媯䲿⼮プ䊨㔙ꢭ侢⚌䏞涸犷ⵄ雦ⴢ⟄⿺湱Ⱒ涸輑餴䊨⡲կHervéBalzano繠⚆鴪⥌プ䊨犷ⵄ㕂꣢⚌⸉餏餓➃*♶ゎ繠㕂62019䎃Ⰼ椕⼕毫馋⸷䫣デ2䕧ㆇ꧎⚺佅➰⼕毫犷ⵄ涸⚺銳馋⸷72019䎃Ⰼ椕⼕毫馋⸷䫣デ⚺銳䧭卓꧎⚺゗爙⼕毫鸑胆䎇偽綕鍒鶺韌⼕毫䧭劥鸑胆桧➠⚹侮⡤絑崸鸑胆桧涸鵛♲⦔կ2018䎃Ⰼ椕⼕毫鸑胆桧⚹9.7%2019䎃곫雦㼜絩絯㖈霪侨㶶♳♴嵥⸓2020䎃鵮〳腊鵳♧姿♳嶻կ䲿⵸㽠䧭劥䱽ⵖ䲃倶涸霃雦ծ䪄遤ㄤ餴ꆄ勻彂⨞㥩錞ⴢ⠏⯓ꅷ欽腊䌐⸔蜦》⠏餘⨴䐀盗椚剪⸉鍒Ɀ倰呩կ㥵卓尵剣䔂剣⸂涸瀊劍ㄤꟋ劍䎁곫䲃倶꧎⚺㽠꨽銳⚹刿넞涸䧭劥⨞㥩곫皾ⲥ㢊կ⥂ꤗⰖ぀涸ꅾ䗱䒓㨤鲮ぢ㛆Ⱞ嶊餩罏刿僈兰㖑鷥䭊⨴䐀盗椚剪⸉㖈⠏餘⨴䐀盗椚剪⸉㖈姻烁涸傞ꢂㄤ梠㞯♴䲿⣘鷓䔲涸⨴䐀盗椚剪⸉⚿䲃♳鵳遤䫏Ⰶ涸⥂ꤗⰖ぀侨ꆀ缺✫♧⦔⟄♳Ղ29%涸⥂ꤗⰖ぀㼜Ⱖ⴩⚹✫껷銳䧶殜䫏餴곭㚖⛓♧կ䧮⟌雩⚹鵯僽⥂ꤗⰖ぀䒓㨤岤ꅾ侨䰘ⴔ區た涸荈搬絕卓կ侨䰘ⴔ區➠僽⥂ꤗⰖ぀涸껷銳䧶殜ꅾ䗱⢾㥵鸑鵂侨䰘ⴔ區勻烁㹁䧭劥ㄤ⼕毫㽠霏⚥涸䒗䌢䞔ⲃ㖈妍崍呏䰘⚰䎯䧴㉁⚌䟗⢾勻ⶂꤑ⨴䐀盗椚剪⸉⣘䎾㉁涸⥂ꤗⰖ぀侨ꆀ㟞⸈✫15%կ♸䝠涸犷ⵄ곥꡼ծⰦ➭꧎⚺ծ⥂ꤗⰖ぀ㄤⰻ鿈餴彂Ⱏず⼸⡲⚹⿬⸈雦ⴢ涸プ䊨䲿⣘濼霋ծ䊨Ⱘ倰꬗涸㛆雲慨⸠プ䊨佖」餝✈⛴䟗䎇䲀鵳⣘䎾㉁ㄤ嶊餩罏涸勉餓ⵖկ贞䬾⨴䐀盗椚剪⸉姻㖈鷶姿䧭⚹梡㹊㼆鸑鵂贞䬾⨴䐀盗椚剪⸉勻䱽ⵖ⼕毫䧭劥ㄤ렽⸠嶊餩罏遤⚹涸䱲程鷶幯鲮⚹㹊遤ՂⰌ椕78%涸⥂ꤗⰖ぀姻㖈罌贊䧴䊺絑佅䭯贞䬾⨴䐀ㅐ霧⚥⚎ㄤꬋ崍涸嫱⢾剒넞⚹88%կ侨㶶⻊㼜⢪ぐ碫剪⸉⣘䎾㉁涸剪⸉」䖤刿⤑✵蜦䖤⚂刿僒✵餏䬐⺫䭍ⰻ猰⼕欰ծ䗱椚⨴䐀剪⸉⣘䎾㉁ㄤ椚毫䋗կ⟄Ⱘ剣霹剪⸂涸⚡䚍⻊尲鸑⡲⚹鳇⸔䲿넞姼碫剪⸉涸䱹「䏞կ欰崞倰䒭㔔稇絩絯⸔䲀⼕毫䧭劥♳嶻⟄䧭劥ㄤ〄欰곸桧罜鎊♸欰崞倰䒭翫禹稒㺙涸䗄梠ծ胊肃ㄤㄎエ禹絡朐ⲃ➠僽䱗ぜ⵸Ⳝ涸椚饄⾲㔔⢪⨴䐀䧭⚹⟱⚌涸껷銳叻ⲥկⵖ㹁Ⰼ꬗涸⨴䐀ㄤ䎋犷䠭瘻殜⚹プ䊨涸魧⡤ծ䗱椚ծ餒⸉ㄤ爢❜⨴䐀䲿⣘佅䭯կ➚䎃涸靈灇絩絯䱲程✫⨴䐀朐ⲃծ⣘䎾㉁㔔稇ㄤ嶊餩⛴䟗㼆䧭劥涸䕧ㆇկ姼㢪䫣デ鵮㾝爙✫⥂ꤗⰖ぀㼆姼涸䎾㼆䲃倶կⰦ⚥涸雽㢴絕卓鿪㖈䧮⟌涸䠑俱⛓⚥•⟄䧭劥罜鎊浓氿ㄤ䗄梠禹絡氬氻➠僽䱗ぜ⵸✳涸椚饄⾲㔔կ•⵸♲㣐⨴䐀굥ꤗ㔔稇➠⚹➿靧碫ㄤ䗱過盗碫굥ꤗծ苇굹湱Ⱒ굥ꤗ⿺䞔䠭/䗱椚굥ꤗկ㖈姼䧮⟌䟝銳ꅾ挿➝絏➚䎃靈灇涸㔋⚡⚺銳䧭卓կ82019䎃Ⰼ椕⼕毫馋⸷䫣デ3⼕毫䧭劥鸑胆桧馄鵂侮⡤絑崸鸑胆桧92019䎃Ⰼ椕⼕毫馋⸷䫣デ➚䎃涸靈灇侨䰘儑爙2018䎃⥂ꤗⰖ぀涸㹊꣢⼕毫鸑胆桧玕剣♳⼮嫱⿡䎃䧮⟌䫣デ⚥涸䎂㖲⧩殜䗎䲿넞0.2⚡涰ⴔ挿կ⡎9.7%涸Ⰼ椕䎂㖲⼕毫鸑胆桧➠僽侮⡤絑崸鸑胆桧涸鵛♲⦔կ靈灇㼆韌곫雦2019䎃涸Ⰼ椕䎂㖲鸑胆桧⚹9.6%㣐鿈ⴔ㕂㹻涸䫣デ儑爙➭⟌곫雦➚䎃㼜♸⿡䎃㛇劥䭯䎂կ霼岤䠑ꊹ✵繠㕂⼕毫䋑㖞涸杝暵䚍劥䫣デ䎇劢⺫ゎ霪䋑㖞涸侨䰘կ㥵꨽✫鍒繠㕂⼕毫馋⸷涸湱Ⱒ⥌䜂霼⿬錛䧮⟌⽀杝〄䋒涸2018䎃䫣デշ繠⚆꧎⚺⨴䐀雦ⴢⰌ㕂靈灇ոկ呏䰘䝠涸꧋㔙䧴⼕毫⥂ꤗ⚌⸉涸侮⡤䧭劥䝠㖈2018䎃涸⼕毫鸑胆桧㥵⡦䝠㼆2019䎃⿶剣ㆭ❈㾝劅⼕毫⥂⨴涸䨾剣倰꬗⺫䭍⡞ꤎծ꡶霏ծ蚋暟ծ㶲❡ㄤ滚猰瘝瘝㖲〳⺫ゎ㖈䝠涸霉⠮⛓⚥⡎㥵卓〳腊霼䱗ꤑ暅猰կ⼕毫鸑胆桧䎾腊⿿僥ⴀ⼕毫餩欽涸鸑餗芲胆䨾㼋荝涸⚡➃⼕毫䧭劥涸㟞Ɤծ⼕毫⢪欽垷䒭涸佖」⿺Ⱖ㸐㔔稇⢾㥵佟䏎港盗涸」⻊կ㕂㹻/㖑⼓2018䎃⼕毫鸑胆桧12018䎃⠮皾鸑餗芲胆桧22019䎃곫雦⼕毫鸑胆桧12019䎃곫崵鸑餗芲胆桧2Ⰼ椕39.7%3.2%9.6%3.3%⻌繠⸈䭭㣐8.5%2.6%8.5%2.2%❇崍10.4%2.5%10.3%2.6%⚥㕂9.7%2.2%10.2%2.4%껺度9.3%2.3%9.1%2.1%⽪䏞8.5%4.7%9.3%4.9%⽪䏞㽲銯❇11.0%3.4%10.5%3.8%끩勻銯❇13.4%1.0%13.6%2.3%螨䖒㺉13.0%4.9%13.7%4.0%倝⸈㗗10.0%1.0%10.1%1.4%꯺㕂6.0%1.5%5.0%1.8%〵弩11.5%1.5%9.1%1.3%岲㕂7.9%0.9%8.5%0.9%馊⽂14.5%3.8%14.2%4.0%㣖䎂峕6.0%1.8%5.1%2.0%慌㣐ⵄ❇4.0%2.2%3.3%2.3%倝銯Ⱎ8.0%1.4%7.0%1.7%102019䎃Ⰼ椕⼕毫馋⸷䫣デ膴妍涸䕧ㆇ5,6㢴⚡ⵄ渤湱Ⱒ倰㖲곫雦膴妍㼜㼆⼕毫䧭劥䌄勻餏꬗䕧ㆇկ薉㕂⼕毫⼸⠔곫崵歋✵⠶ꥥ薉㕂膴妍罜勻涸儑衼㪭胇⢾㥵妍湅㕂㹻⸣⸓⸂瀊緃ծ✽䟃⼕毫⼸雳絊姺ㄤ⼕毫⥂⨴灇瑕絑餩Ⲹ㼱瘝䝖罏蜦䖤涸⨴䐀盗椚剪⸉ㅷ餘㼜「ⵌ僈儑䕧ㆇկ⼕毫暟餴涸䧭劥곫雦⛲㼜♳嶻կꊹ✵鵯♧馋⸷⸈♳薉㕂㕂字⼕毫⥂⨴剪⸉⡤禹涸⾓⸂㟞⸈䧮⟌곫雦猙➃⼕毫剪⸉涸⢪欽桧⠔♳⼮Ղ鵯⿶⠔鲮罜䲿⼮⼕毫雦ⴢ涸䧭劥կ1.鵯❈⼕毫鸑胆桧⿿僥✫㼆⥂ꤗⰖ぀涸靈叅絕卓♶➿邍繠⚆鴪⥌プ䊨犷ⵄ涸錜挿կ2.鸑餗芲胆桧涸勻彂⺫䭍•�㼆✵䨾剣㕂㹻ꤑꬋ〥剣霹僈㕂꣢餗䋏㛇ꆄ絆絉ծ⚆歲絑崸㾝劅侨䰘䎽2019䎃1剢•�㼆✵䬘♨繠崍繠⚆䬘♨繠崍絑崸馋⸷2019䎃1剢•�霼岤䠑㼆✵⚥㕂ㄤ㟯銯ㆥ涸㙹䋑姼㢅涸侨䰘䭷涸僽⚙㕂涸Ⰼ㕂侮⡤侨䰘կ•�鸑餗芲胆桧侨䰘➑欽✵侮⡤䚍⿬罌繠⚆♶⥂霆Ⱖⲥ烁䚍㼆✵呏䰘鵯❈侨䰘⨞ⴀⱿ瘻涸た卓⛲♶䪬䬐餓⟣կ3.䎂㖲50⚡⿬♸㕂鴪ⵌ〳䱹「宐䎂涸㔐㢕侨ꆀկ4.ꊹ✵䔲⵸涸爢⠔絑崸梠㞯㨼ⰻ榰䬘尵剣⺫ゎ㖈邍呔ⰻկ㖑⼓ㄤⰌ椕䎂㖲侨䰘⚥⛲劢⺫ゎ꣚呏䒄կ5.紿螨㼷䗞⥌䩯㛇ꆄ靈灇6.薉㕂⼕毫⼸⠔կշ膴妍皍䫣Ղ膴猌妍湅㼆䝖罏涸䕧ㆇոկ2018䎃կ㕂㹻/㖑⼓2018䎃⼕毫鸑胆桧12018䎃⠮皾鸑餗芲胆桧22019䎃곫雦⼕毫鸑胆桧12019䎃곫崵鸑餗芲胆桧2妍崍8.1%3.1%8.3%3.0%嫱ⵄ傞4.3%2.2%4.1%1.8%⥂⸈ⵄ❇14.7%2.6%15.5%2.3%⚸띌2.2%1.4%3.6%1.7%岁㕂3.3%1.9%1.3%1.8%䋞臢3.7%0.7%3.7%1.2%⺱暅ⵄ19.2%2.8%17.3%3.3%昶㼷Ⱎ4.2%0.7%4.5%1.2%䠑㣐ⵄ3.7%1.3%3.2%1.4%䬘膴絶❇8.6%2.7%7.8%2.4%用ꤲ㹃8.3%2.5%11.1%2.2%䮱㪭5.1%1.9%6.3%2.0%岚Ⱎ7.1%2.0%7.7%2.8%袕蟎暅1.6%1.7%2.1%1.6%縄끩㽲❇15.0%4.7%10.0%2.7%⤜縄倛8.4%2.8%8.7%5.1%㝱㼷絶❇10.5%2.1%7.1%2.3%銯棴暅5.1%1.8%5.1%1.8%榰Ⱙ6.0%1.9%5.6%1.7%榰㡦4.0%1.1%4.0%1.4%㕼羭Ⱖ15.5%15.0%27.0%16.7%⛔⯘Ⱎ23.5%10.9%20.0%7.3%薉㕂5.2%2.5%6.0%2.2%㕂㹻/㖑⼓2018䎃⼕毫鸑胆桧12018䎃⠮皾鸑餗芲胆桧22019䎃곫雦⼕毫鸑胆桧12019䎃곫崵鸑餗芲胆桧2⚥⚎ㄤꬋ崍MEA14.0%5.6%13.6%5.0%䊼卌8.8%3.0%7.6%4.8%㙩⿺25.0%20.9%22.0%14.0%肤㽲❇13.8%5.0%12.2%5.6%꣚削22.6%1.5%24.3%3.2%⽓㝜㼷11.0%3.7%11.0%3.5%尪暵꣚䬘⠭8.7%2.6%8.2%2.0%⽂ꬋ11.1%4.8%11.3%5.3%꣚翫ꁽ11.2%3.5%12.2%1.9%䬘♨繠崍LAT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䨪靈侮✫ぐ⚡雦ⴢ涸絕匬⟄⤑鸑鵂叻ⲥ⻊涸崨玐勻䱽ⵖ䧭劥Ⲹ㼱✫⚿䲃⛓ꢂ涸ꅾ〜ㄤ㢕勇䏞䒸Ⰶ✫⨴䐀ㄤ⼕毫盗椚㨼プ⠔䎇ⵖ㹁✫⨴䐀䧶殜կⴲ紩䫡椚ㅐ霧涸侨ꆀ㟞⸈㼆ꅾ㣐⼕毫䫡椚涸꨽宠⛲ꥥ⛓Ⲹ㼱կ㖈⽪䏞♧⚡㹐䨪㖈⡞ꤎ屛毫倰呩⚥䒸Ⰶ✫ⴔ紩涸Ⱏず⥂ꤗ鷥고⟄姼勻慨⸠プ䊨鷥䭊腊忘駈暵㹁餘ꆀㄤ䧭劥叻ⲥ涸⼕ꤎկ㖈껺度♧⚡㹐䨪䒸Ⰶ✫ⴔ紩涸⣘䎾㉁㼭絆勻䲀鵳餏餓涸⿬♸罏ㄤ⣘䎾㉁遤⚹䎇♸⣘䎾㉁ざ⡲䒓〄✫浓氿⼾馊⚥䗱勻⟄ざ椚䧭劥⚹雦ⴢ⿬♸罏䲿⣘Ⰼ꬗涸⠏餘䫡椚կ㖈⚥⚎♧⚡㹐䨪靈侮✫⣘꨽盗椚崨玐⺫䭍⚹叻ⲥ⻊佐餩ծ䢨䚍氻盗椚ծ㢅倰/蚋暟犷ⵄ盗椚ㄤ䫡椚騟䖈䭷㹁剪⸉⣘䎾㉁♧菚䪄⚌⼕欰vs⚁㹻կ302019䎃Ⰼ椕⼕毫馋⸷䫣デ8絕露劢勻涸䊨⡲꨽銳⨴䐀ծ侢⚌涸プ䊨կꥥ满Ⰼ椕⼕毫䧭劥䭯絯以⼮㥵➚꧎⚺䎾䔲罌贊⵸澯䚍㖑㹊倶雦ⴢ盗椚⚿䲃կ䧮⟌렽⸠꧎⚺➢䧭劥⠏⻊ㄤプ䊨⿬♸䏞⚙倰꬗㼆荈䊹涸雦ⴢ鵳遤㹎錠կ⚹烁⥂㖈蜦》⠏餘⼕毫⥂⨴剪⸉涸ず傞蒜紨䧭劥꧎⚺〳⟄罌贊⟄♴倰呩1.餝✈剣⟟⧩涸剪⸉ꅾ倝㹎錠荈䊹涸雦ⴢ⟄烁⥂㸐腊㢿렽⸠姻烁涸遤⚹ㄤ絕卓կ2.鷅宠刿⢕餘ꆀⰦꅾ挿㖈✵㖈姻烁涸傞ꢂㄤ㖑挿䲿⣘鷓ざ涸⨴䐀盗椚剪⸉կ㽴盗꧎⚺〳腊䎇♶Ⱘ㢊湱Ⱒ涸⚁⚌濼霋勻杝用⨞ⵌ鵯♧挿⡎➭⟌〳⟄鸑鵂⚁㹻勻鸑䌢鸑鵂贞䬾倰䒭䌐⸔プ䊨Ɀ㹁僽⵸䖃䚉霏㹔䧴䔲㖑涸⼕毫劼匬鵮僽㼊宠鵴玐⼕毫䧴鸣霄⼾馊⚥䗱ㆭ猫倰䒭刿Ⱘ䧭劥佪渤鵯㼆佖㊤䫡椚涸ㅷ餘ㄤ〳餏䬐䚍㣐剣⸔渤կ3.䲿⣘⚡䚍⻊涸⡤낉プ䊨䋞劅ꥥ傞蜦䖤⚡䚍⻊涸佅䭯罜鸑鵂猰䪮䩛媯㹊梡鵯♧挿涸Ⱆ぀剒腊》䖤⼾馊涸プ䊨⨴䐀䧭佪կ4.䭆䫵괇銻䚍」ꬠ♸⥂ꤗⰖ぀ծ꧎⚺ㄤⰦ㸐ⰻ鿈ⵄ渤湱Ⱒ倰ざ⡲䲀鵳禹絡涸」ꬠկ⚰䎯ㅐ霧涸㟞㢴㼜⢪⼕毫⥂⨴剪⸉➢ⰻ猰⼕欰ծ䗱椚⨴䐀剪⸉⣘䎾㉁ⵌ椚毫䋗」䖤刿僒✵蜦》刿〳餏䬐կ㖈䲀䎛鵯❈贞䬾䫡椚⚿䲃涸ず傞㼜Ⱖ♸⚺⸓涸プ䊨尲鸑ㄤ❜✽湱絕ざկ2019䎃Ⰼ椕⼕毫馋⸷䫣デ31322019䎃Ⰼ椕⼕毫馋⸷䫣デ僽傞⦫➢䧭劥盗椚鲮⚹⟄プ䊨⚹⚥䗱涸錠錭✫满滚✵Ⰼ㽷㖈プ䊨涸侮⚡⨴䐀假玐⚥⚹➭⟌䲿⣘佅䭯կ⛓⵸Ⰼ椕⼕毫馋⸷䫣デ♧湬⚺銳Ⱒ岤䧭劥倰꬗կ⡎㥵➚䧮⟌䒓㨤♶➑➢䧭劥錭䏞ず傞⛲➢⟄プ䊨⚹⚥䗱涸錭䏞勻霉⠮꧎⚺㔔⚹鵯僽梡➿⨴䐀雦ⴢ霃雦ㄤ㹊倶涸Ⱒꝶ䨾㖈կ雦ⴢ⿬♸罏䋞劅蜦䖤鷥䭊勉ծ⚡䚍⻊涸剪⸉ㄤ佅䭯㽴盗ぐ㕂プ䊨㼆꧎⚺涸劍劅ぐ♶湱ず⡎雽㢴鿪㼜꧎⚺錠⡲蜦》⟄♳銳稇涸勻彂⛓♧կ䧮⟌劍䖉㽠霪霢곿♸䝠鵳遤鵳♧姿涸❜崨侢霼劍䖉繠⚆鴪⥌プ䊨犷ⵄ涸刿㢴錜挿կ䧮腊餏䬐䖤饰屛毫涸餩欽に䧮㥵⡦䩞腊⥂䭯⨴䐀䧮䎾霪⿡ㆭ㼊宠⨴䐀盗椚剪⸉㥵卓䧮ⴔ❧荈䊹涸⨴䐀雵䔶侨䰘㸝Ⰼ剣⥂ꥻに332019䎃Ⰼ椕⼕毫馋⸷䫣デ㖈繠⚆鴪⥌プ䊨犷ⵄ䧮⟌涸⢪ㄐ僽佖㊤⨴䐀ㄤ犷ⵄՂ➢罜䲿⼮プ䊨涸欰崞ㅷ餘䎇⚹⟱⚌䒊用刿⸈珘㔿涸絆絉卹匬կ䧮⟌腊霃雦ㄤ䲿⣘⨴䐀ㄤ굥ꤗ꣈䫡犷ⵄ倰呩➢罜䌐⸔㹐䨪•�䩧鸣⨴䐀侢⚌涸プ䊨ꢭ⠀•�⠏⻊䧭劥ㄤ盗椚굥ꤗ•�皍⻊䎇⟄侨㶶䩛媯䪄遤雦ⴢ佖㊤⨴䐀ㄤ犷ⵄ䎛岌帿Ⰶ涸ㅐ霧剪⸉㛇✵䒊雳涸絑紬剪⸉匧Ⱘエ䒸⸂涸䔂㣐猰䪮342019䎃Ⰼ椕⼕毫馋⸷䫣デ9Ⱒ✵劥妃靈灇352019䎃Ⰼ椕⼕毫馋⸷䫣デ⿬♸㕂㹻䭽㖑⼓ⴢⴔ㖑⼓㕂㹻繠崍꣚呏䒄䊼銯⸈䭭㣐兰ⵄㆥ倛鴪랫⸈㢴碛㽲⸈Ⱏㄤ㕂蠖㼷檲㢴⽭㖑끩䬘峿鿪䬘倛㟯銯ㆥ㽲⸈䬘檗䊼䭭끩猽됓㨼ⰻ榰䬘❇㣖⼓慌㣐ⵄ❇⚥㕂껺度⽪䏞⽪䏞㽲銯❇끩勻銯❇倝銯Ⱎ螨䖒㺉倝⸈㗗꯺㕂〵弩岲㕂馊⽂㖑⼓㕂㹻妍崍嫱ⵄ傞⥂⸈ⵄ❇⚸띌岁㕂䋞臢⺱暅ⵄ昶㼷Ⱎ䠑㣐ⵄ䬘膴絶❇用ꤲ㹃䮱㪭岚Ⱎ袕蟎暅縄끩㽲❇⤜縄倛㝱㼷絶❇銯棴暅榰Ⱙ榰㡦㕼羭Ⱖ⛔⯘Ⱎ薉㕂⚥⚎ㄤꬋ崍MEA䊼卌䀙㙩⿺肤㽲❇꣚削⽓㝜㼷尪暵꣚䬘⠭⽂ꬋ꣚翫ꁽ362019䎃Ⰼ椕⼕毫馋⸷䫣デⰢ✵劥妃靈灇⟄♴⥂ꤗⰖ぀ず䠑Ⱆ䋒➭⟌⡲⚹劥妃靈灇⿬♸罏涸魧⟧〥剣82㹻⥂ꤗⰖ぀⛲㖈⥂㺙涸㛇炄♳⿬♸✫劥妃靈灇կ㕂㹻⥂ꤗⰖ぀꣚呏䒄ASE꣚呏䒄GalenoArgentinaS.A.꣚呏䒄MedicusS.A.꣚呏䒄SwissMedicalMedicinaPrivada慌㣐ⵄ❇GUHealth䊼卌䀙BahrainNationalLifeAssuranceCompany嫱ⵄ傞AllianzBenelux嫱ⵄ傞DKVBelgium䊼銯CarePlusMedicinaAssistencialLTDA䊼銯OmintSaúde䊼銯SegurosUnimed⥂⸈ⵄ❇BulgariaInsurance⥂⸈ⵄ❇GeneraliInsuranceAD⸈䭭㣐GreenShieldCanada兰ⵄBiceVida⚥㕂⚥薉➃㼑⥂ꤗ剣ꣳⰖ぀⚥㕂㸝渿㣔䎂餒❡⥂ꤗ肅⟧剣ꣳⰖ぀⚥㕂㣖⥂㸝翫⨴䐀⥂ꤗ肅⟧剣ꣳⰖ぀⻌❩ⴔⰖ぀⚥㕂⥂厣Ⰼ椕⚥㕂⚥䠑➃㼑⥂ꤗ剣ꣳⰖ぀⚥㕂䊨Ꜿ㸝渿➃㼑⚥㕂⚥㕂䎂㸝⥂ꤗⰖ぀⚥㕂⠍㸝㖈絁餒❡⥂ꤗ肅⟧剣ꣳⰖ぀ㆥ⠡嫱❇AllianzSegurosㆥ⠡嫱❇Colsanitasㆥ⠡嫱❇CoomevaMedicinaPrepagadaㆥ⠡嫱❇PanAmericanLifedeColombiaㆥ倛鴪랫⸈AssaCompañiadeSegurosCostaRica⚸띌DanskSundhedssikring⚸띌SkandiaA/S⚸띌Topdanmark㕂㹻⥂ꤗⰖ぀㢴㽲碛⸈Ⱏㄤ㕂HumanoSeguros㙩⿺AXA㙩⿺MedGulfEgypt岁㕂GroupamaGanVie岁㕂SwissLife䋞臢AXAGreece䋞臢AllianzHellasS.A.䋞臢GeneraliHellas⽭㖑끩䬘AseguradoraGeneral,S.A.峿鿪䬘倛DaviviendaSeguros껺度BlueCross(Asia-Pacific)InsuranceLimited껺度⥂厣❇崍剣ꣳⰖ぀껺度㺢⽡⥂ꤗ剣ꣳⰖ぀껺度ⵄ㹈⥂ꤗ剣ꣳⰖ぀껺度繠㕂♰鸑❇崍剣ꣳⰖ぀껺度껺度宕僈ꆄ輑剣ꣳⰖ぀⺱暅ⵄGroupamaBiztosító⺱暅ⵄUnionViennaInsuranceGroupBiztosítóZrt.⽪䏞HDFCERGOGeneralInsurance⽪䏞㽲銯❇LippoGeneralInsurance⽪䏞㽲銯❇PT.AsuransiRelianceIndonesia⽪䏞㽲銯❇PT.AsuransiSinarMas昶㼷ⰞLayaHealthcare昶㼷ⰞVhiHealthcare䠑㣐ⵄAXAAssicurazioni䠑㣐ⵄAXAXL䠑㣐ⵄGeneraliItalia䠑㣐ⵄSocietàRealeMutuadiAssicurazioni肤㽲❇HollardHealthInternational肤㽲❇Sanlam䬘膴絶❇SeesamInsuranceAS372019䎃Ⰼ椕⼕毫馋⸷䫣デ㕂㹻⥂ꤗⰖ぀끩勻銯❇AIABhd.끩勻銯❇AllianzLifeInsuranceMalaysia끩勻銯❇AXAAffinGeneralInsuranceBerhad㟯銯ㆥGrupoNacionalProvincial㟯銯ㆥMetLifeMéxico倝銯ⰞSouthernCrossHealthSociety䮱㪭DNBLivsforsikring䮱㪭Fremtind䮱㪭ProtectorForsikringASA꣚削AlMadinaInsuranceCompanySAOG䊼䭭끩CompañiaInternacionaldeSegurosS.A.䊼䭭끩MAPFREPanama猽됓RimacEPS猽됓RimacSeguros螨䖒㺉Firstlife螨䖒㺉GeneraliLifeAssurancePhilippines,Inc.螨䖒㺉MediCardPhilippines,Inc.螨䖒㺉PioneerLifeInsurance螨䖒㺉UnitedCoconutPlantersLifeAssuranceCorp.岚ⰞMedicover岚ⰞPZUŻycieSA岚ⰞTUAllianzŻyciePolskaS.A.袕蟎暅AllianzPortugal袕蟎暅Generali-CompanhiadeSegurosS.A.袕蟎暅SeguradorasUnidas,S.A.袕蟎暅UnaSeguros⤜縄倛AlfaStrahovaniePLC⤜縄倛Allianz⤜縄倛JSIC"VSK"⤜縄倛MetLife⤜縄倛RESO-Garantia㕂㹻⥂ꤗⰖ぀⤜縄倛Rosgosstrakh(RGS)㝱㼷絶❇TriglavOsiguranjea.d.o.倝⸈㗗AIASingapore倝⸈㗗AvivaLtd倝⸈㗗FWDSingapore倝⸈㗗GreatEasternLife⽂ꬋLiberty꯺㕂SamsungLifeInsurance銯棴暅AXASegurosGenerales銯棴暅DKVSegurosyReasegurosSAE銯棴暅Sanitas榰ⰩEuroAccidentLivförsäkringAB榰ⰩLänsförsäkringar〵弩⿼齥⥂ꤗ剣ꣳⰖ぀〵弩㺢齥餒❡⥂ꤗ剣ꣳⰖ぀岲㕂CignaInsurance岲㕂GeneraliLifeAssurance(Thailand)Plc.岲㕂MuangThaiLifeAssurance岲㕂TokioMarineLifeInsurance(Thailand)PCL꣚翫ꁽMetLife薉㕂AXAPPPHealthcare薉㕂VitalityHealth薉㕂PJSICINGOUkraine薉㕂ThePrivateJoint-StockCompany"EuropeanInsuranceAlliance"㨼ⰻ榰䬘MercantilSeguros㨼ⰻ榰䬘SegurosUniversitas,C.A.馊⽂BaoVietInsurance馊⽂BaoMinhInsuranceCorporation馊⽂LibertyInsuranceLimited382019䎃Ⰼ椕⼕毫馋⸷䫣デ㕂꣢氬氻ⴔ碫ICD10⚥♸椚饄湱Ⱒ涸氻氿爙⢾幡⽀1.⠛厩氻絈蝒ㄤ㺕欰赈䒸饰涸肃麤⠛厩氻氻嫫ㄤ溫蝒⺫䭍HIV䠭厩2.浓氿⺫䭍䨾剣魧⡤絆絉涸䜌䚍胅泿ծ⾲⡙胅泿ㄤ葻䚍胅泿涯過氻ծ낧넏泿ㄤ巵䊼泿䎾䔱⚹姼碫3.ⰻⴔ屲ㄤ➿靧氬氻艑⡤䠭厩➿靧氻氿⢾㥵祪㽶氻ծ肍胱ㄤ餘➿靧秗✉4.過巊氬氻過巊㷖♸HIV偽Ⱒ涸ぐ碫餛過ծ過㼭匣Ⲹ㼱ծ⯝氋緃ꤴⳕ過䒗䌢ⴀ過䚍ꥻ烯5.礵牟氬氻㐼餘䚍礵牟ꥻ烯ծ遤⚹ꥻ烯ծꂊ礵⿺蚋暟忝欽ծ鵳굹ꥻ烯ծ〄肫ꥻ烯⢾㥵兰⸂衅た6.牟絑禹絡氬氻腰芘拧ծ腰拧ծ䋪ꆄ啿絾ざ䖄ծ鷍遤䚍氬氻ծ涏沅ծ瀊兽䚍腰緃過ծ漖溭ꥻ烯ծ劣哶牟絑䠭厩⺫䭍嗅ꢂ渹鸣䧭涸⾓鶖ծ聝氻ծ腰䚍洏沄ծ腰獤宐7.䠭錣㐼㸽氬氻滚滹拧ծ涯ⰻꥻծ錠緸芘膴猌ծꫬ⯕滚ծ㣟僈羭拧ծゑ⸂⚜㣟ծ溽儱8.䗄梠禹絡氬氻넞過⾓ծ䚉䚍䗱聝哥㝱ծ굥弪掚ծ腰過盗✲⟝9.ㄎエ禹絡氬氻ㄎエ麤䠭厩ծ䢨䚍꣖㝱䚍肽氬氻ծ肽孞胅ծㆲ㋉10.胊肃氬氻胊굹盗⿿崨氻ծ⯘縄䛸氻ծ弯毹ծ胊拧ծ絕肃拧ծ聽氻ծ脨艑拧ծ胐瀖氻11.屲㽶氬氻䢨䚍胄⸆腊邝番ծ㽶瀖氻ծ⵸⴩艑肍㣐ծ渜臼拧ծ♶㶲氿12.㦀猰ㄤ㶲❡崨❡ծ䙕㶲ծ䙕㶲湱Ⱒ䎇〄氿ծ荈搬ⴔ㬉ㄤ絊姺㦅㫴ծ❡た䎇〄氿13.淼肌氬氻淼肌ㄤ淼♴絆絉䠭厩ծ汼氎ծ淼拧ծ暋淼浽14.낧냚聝聘氬氻Ⱒ蒜拧ծ芛渷ⰻ鿈䠭厩ծ嗅ꢂ渹氬氻ծ胜汥15.⯓㣔䒗䌢⯓㣔殻䕎ծ䕎」ծ厩蒀⡤䒗䌢16.倝欰⯄岤䠑✲고ㄤ䎇〄氿倝欰⯄ㄎエ璯鶖絾ざ䖄ծ倝欰⯄餕過氿ծ⯓㣔䚍肽拧17.䠑㢪✲佦凐⸂㼋荝涸⠟氻㢪⠟ծ낧䫔ծ⴯⠟ծ⠟〡ծ⚥嫫ծ㢪鿈⾲㔔㼋荝涸厤❈Ⱖ㸐た卓18.Ⱖ㸐劢ⴢⴔ㖈Ⱖ㸐絆ⵆⰻ繠⚆Ⱆ぀2019晜勉䨾剣կ⥂殆䨾剣勉ⵄ6009822-MB㥵꨽✫鍒刿㢴⥌䜂霼翫禹⡹䨾㖈㖑⼓涸繠⚆鴪⥌プ䊨犷ⵄ⸅✲㢅կⰢ