2026 MARKET TRENDS

International Benefits

Key Takeaways

Rising healthcare costs and persistent strain on public health systems continue to reshape international benefit strategies
Employers are increasingly focused on preventive care and well-being initiatives to address long-term health conditions
Mental health support remains a priority, with global EAPs offering consistent resources across diverse workforces
Growth in global business travel is driving stronger demand for travel protection and duty of care programs

AI is enhancing formulary management, fraud detection and patient support.

Overview

Common themes continue to emerge across international employee benefit markets. Competition for talent, rising healthcare costs, strained public health systems, increased expectations for flexibility and a stronger focus on mental well-being are reshaping employer-sponsored programs worldwide.

Medical Trend Averages by Region

GLOBAL

ASIA PACIFIC

LATIN AMERICA & CARIBBEAN

EUROPE

CANADA

MIDDLE EAST & AFRICA

Rising Medical Costs Increase Focus on Prevention and Well-Being

Global inflation has eased in some regions, although it still influences renewal costs. Public healthcare systems are under growing pressure due to higher utilization and an increase in high-cost claims, especially in cardiovascular disease, cancer and mental health. These pressures are prompting employers to reassess benefit financing structures, including opportunities for cost sharing where appropriate. At the same time, organizations are placing greater emphasis on preventive care and well-being strategies to address serious, long-term health conditions.

Mental Health Support and Global EAP Consistency Gain Momentum

Global attention to mental health remains strong, with employers looking for effective ways to support employees and their families. Employee Assistance Programs often show low utilization yet remain a meaningful component of broader well-being strategies. A global EAP also provides a consistent support structure across international workforces with cultural and language sensitivity and strict confidentiality standards.

Growing Demand for Travel Protection and Duty of Care Solutions

Global business travel continues to rise, increasing the need for strong coverage for mobile workforces. Organizations seek to minimize risk while fulfilling duty of care obligations for traveling employees. Comprehensive travel insurance and assistance programs support access to medical care and critical services during domestic and international travel. This protection is especially important in high-risk regions where safety concerns remain elevated due to conflict, civil unrest and terrorism threats.

Strategies to help manage rising costs while supporting a positive employee experience include:

Promoting preventive care
Working with brokers and insurance carriers to educate employees on how to access and use benefits
Tailoring well-being offerings based on claims experience
Leveraging provider solutions to address chronic conditions
Evaluating cost-sharing opportunities

These trends are expected to continue through 2026 and may require closer evaluation of global benefit strategies and program designs.

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