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L'influence de l'offre de soins et du niveau des primes sur la demande d'assurance complémentaire santé en France

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  • Renaud Legal

Abstract

Complementary health insurance plays an increasing role in the French health care system. In this context, identifying individual preferences regarding complementary coverage is crucial to insurance companies as well as public authorities. This paper uses data provided by a major health insurance company and makes use of exogenous premium variations between regions to estimate the premium-related sensitivity of demand and its links with a set of health care supply features. Our results show that the insured?s budget constraint appears to be crucial in his coverage decision process. Therefore, any sudden premium increase may increase the uninsured population or reduce remaining coverage levels. Classification JEL : C13, C25, D12, D81, I18.

Suggested Citation

  • Renaud Legal, 2009. "L'influence de l'offre de soins et du niveau des primes sur la demande d'assurance complémentaire santé en France," Revue économique, Presses de Sciences-Po, vol. 60(2), pages 441-453.
    • Handle: RePEc:cai:recosp:reco_602_0441
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    More about this item

    JEL classification:

    • C13 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods and Methodology: General - - - Estimation: General
    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D81 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Criteria for Decision-Making under Risk and Uncertainty
    • I18 - Health, Education, and Welfare - - Health - - - Government Policy; Regulation; Public Health

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