Les déterminants de la demande individuelle de couverture complémentaire santé en France
AbstractWhile the insurance demand is very well documented in other countries, French research in this area is scarce, mainly because of the difficulty to have access to detailed data. This PhD uses data provided by a major health insurance company. We first build a joint modelling for both insurance and healthcares demands; we then study insurance premium differences between administrative French areas. These data, that have never been analyzed in France before, allow us to estimate the sensitivity of insurance demand to several variables such as price level. We also take into account the specificities of the insurance supply to analyse separately demand for outpatientcares coverage and dental/optic coverage. Finally, we estimate bivariate probit models to model demand for both healthcares and insurance, which leads to measure moral hazard and selection effects, on a case-by-case basis. Thus, our work allows to describe more precisely the French policyholders' behaviour with complementary health insurance.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoThis book is provided by Paris Dauphine University in its series Economics Thesis from University Paris Dauphine with number 123456789/189 and published in 2008.
Assurance-maladie complémentaires; Mutuelles;
Find related papers by JEL classification:
- L89 - Industrial Organization - - Industry Studies: Services - - - Other
- G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
- I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
You can help add them by filling out this form.
reading list or among the top items on IDEAS.Access and download statisticsgeneral information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Alexandre Faure).
If references are entirely missing, you can add them using this form.