Aon has launched a new analytic tool to help employers predict and manage workforce health costs and risks.
This tool uses analytic models and insurance datasets to provide employers with forward-looking predictions about potential health vulnerabilities within their workforce. This includes identifying high-risk groups and modelling likely future PMI insurance claims.
This UK health risk analyser tool can identify potential targeted intervention to help manage insurance costs through proactive risk management. It also aims to optimise benefit spend by aligning resources with employee health needs, while improving workplace planning by identifying trends in health risk data to demographics and job type.
Aon points out that PMI premiums have risen sharply in recent years, due to rising claims amid an increasingly burdened NHS. With this background employers face pressure to control costs while also maintaining competitive benefits.
Figures from Aon’s Broking Insights show that UK medical trend rates are forecast to increase by at least 26 per cent in 2026, following a 35 per cent rise in 2025. It says this highlights the need for innovative new strategies to mitigate risk.
Aon strategic health broking lead in the UK David Guy says: “Employers are increasingly seeking certainty at a time of rising healthcare costs and limited access to care. Health Risk Analyser enables organisations to identify where future health risks may arise, by condition and employee cohort, and then take proactive measures to prevent their escalation into high-cost claims.
“This can help support initiatives aimed at improving workforce wellbeing and ensure that benefits expenditure delivers the maximum impact.”
He says that the tool can, for example, highlight increased musculoskeletal risks in specific job roles, prompting targeted ergonomic initiatives to tackle them. “It may also flag higher-than-average breast cancer risk among younger employees, supporting the business case for early screening programmes. These proactive interventions improve health outcomes and reduce claims volatility, which may support employers in discussions with insurers. By making the best use of predictive health data, businesses can make better decisions around insurance, budgeting and talent strategy, while ultimately – and most importantly – driving better outcomes for their people.”
He adds: “This launch underscores Aon’s commitment to data-driven solutions that help businesses manage rising healthcare costs and future-proof their benefits strategies.”