La demande d'assurance dépendance dans un cadre trivarié
AbstractPrivate insurance for long-term care is underdeveloped in European countries and in the US. This paper tries to understand why the market is underdevelopped by using a theoretical approach and putting the emphasis on insurance demand. It shows that demand for long term care insurance can be low because current and expected health condition of individuals have a strong effect on wealth utility and thus insurance demand. Individual preferences may lead some persons not to seek insure. The underdevelopped market of long-term care insurance might not be only due to insurance supply, market failures, family impacts or institutional design. It is analyzed as a direct consequence of individual preferences.
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Bibliographic InfoPaper provided by Paris Dauphine University in its series Economics Papers from University Paris Dauphine with number 123456789/6796.
Date of creation: Sep 2011
Date of revision:
dépendance; assurance dépendance; demande d'assurance;
Find related papers by JEL classification:
- I1 - Health, Education, and Welfare - - Health
- J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination
- G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
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