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Les déterminants de la demande individuelle de couverture complémentaire santé en France

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  • Joël, Marie-Eve

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  • Legal, Renaud
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    Abstract

    While 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.

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    Bibliographic Info

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    This book is provided by Paris Dauphine University in its series Economics Thesis from University Paris Dauphine with number 123456789/189 and published in 2008.

    Order: http://basepub.dauphine.fr/xmlui/handle/123456789/189
    Handle: RePEc:dau:thesis:123456789/189

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    Related research

    Keywords: Assurance-maladie complémentaires; Mutuelles;

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