IDEAS home Printed from https://ideas.repec.org/a/cai/refaef/ecofi_122_0273.html
   My bibliography  Save this article

Les mécanismes économiques et financiers associés à la couverture dépendance : une analyse exploratoire sur données bancaires

Author

Listed:
  • Maximilien Nayaradou
  • Sébastien Nouet
  • Manuel Plisson

Abstract

The understanding of economic and financial mechanisms related to coverage needs thanks to private long term care insurance products, has now become a concern for the area of sector of bank and insurance. This concern is reinforced by the current questions about the evolution of public pension system and public long-term care. Banks and distributors must therefore identify the expectations and motivations of their different customer profiles to help further develop this high-potential market. This paper attempts to address this concern through a study which breaks down into two parts: a preliminary and descriptive component based on the exploratory analysis of a national banking portfolio, then a second economic and financial aspect to surmise the key mechanisms about insurance choices and effective coverages associated with these insurance products, accompanying themselves to a comparison with the different works on sub - European and American samples. Classification JEL: G21, G22, I11, J14.

Suggested Citation

  • Maximilien Nayaradou & Sébastien Nouet & Manuel Plisson, 2016. "Les mécanismes économiques et financiers associés à la couverture dépendance : une analyse exploratoire sur données bancaires," Revue d'économie financière, Association d'économie financière, vol. 0(2), pages 273-326.
  • Handle: RePEc:cai:refaef:ecofi_122_0273
    as

    Download full text from publisher

    File URL: http://www.cairn.info/load_pdf.php?ID_ARTICLE=ECOFI_122_0273
    Download Restriction: free

    File URL: http://www.cairn.info/revue-d-economie-financiere-2016-2-page-273.htm
    Download Restriction: free

    References listed on IDEAS

    as
    1. Brown, Jeffrey R. & Finkelstein, Amy, 2007. "Why is the market for long-term care insurance so small?," Journal of Public Economics, Elsevier, vol. 91(10), pages 1967-1991, November.
    2. Franck Bien & Arnold Chassagnon & Manuel Plisson, 2012. "Est-il rationnel de ne pas s'assurer contre la dépendance ?," Post-Print halshs-00754579, HAL.
    3. Steven Stern, 1995. "Estimating Family Long-Term Care Decisions in the Presence of Endogenous Child Characteristics," Journal of Human Resources, University of Wisconsin Press, vol. 30(3), pages 551-580.
    4. repec:dau:papers:123456789/14849 is not listed on IDEAS
    5. Roméo Fontaine & Manuel Plisson & Nina Zerrar, 2014. "Dans quelle mesure les préférences individuelles contraignent‑elles le développement du marché de l’assurance dépendance ?," Économie et Statistique, Programme National Persée, vol. 474(1), pages 35-68.
    6. Jeffrey R. Brown & Amy Finkelstein, 2008. "The Interaction of Public and Private Insurance: Medicaid and the Long-Term Care Insurance Market," American Economic Review, American Economic Association, vol. 98(3), pages 1083-1102, June.
    7. Peter Zweifel, 1996. "Providing for Long-term Care: Insurance Vs. Trust Saving*," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 21(2), pages 284-292, April.
    8. repec:dau:papers:123456789/9866 is not listed on IDEAS
    9. David M. Cutler, 1993. "Why Doesn't the Market Fully Insure Long-Term Care?," NBER Working Papers 4301, National Bureau of Economic Research, Inc.
    10. Sloan, Frank A & Norton, Edward C, 1997. "Adverse Selection, Bequests, Crowding Out, and Private Demand for Insurance: Evidence from the Long-Term Care Insurance Market," Journal of Risk and Uncertainty, Springer, vol. 15(3), pages 201-219, December.
    11. Amy Finkelstein & Kathleen McGarry, 2003. "Private Information and its Effect on Market Equilibrium: New Evidence from Long-Term Care Insurance," NBER Working Papers 9957, National Bureau of Economic Research, Inc.
    12. Amy Finkelstein & Kathleen McGarry, 2006. "Multiple Dimensions of Private Information: Evidence from the Long-Term Care Insurance Market," American Economic Review, American Economic Association, vol. 96(4), pages 938-958, September.
    13. Helen I. Doerpinghaus & Sandra G. Gustavson, 2002. "Long‐Term Care Insurance Purchase Patterns," Risk Management and Insurance Review, American Risk and Insurance Association, vol. 5(1), pages 31-43, September.
    14. Pauly, Mark V, 1990. "The Rational Nonpurchase of Long-term-Care Insurance," Journal of Political Economy, University of Chicago Press, vol. 98(1), pages 153-168, February.
    15. Volker Meier, 1998. "Long-Term Care Insurance and Life Insurance Demand," The Geneva Risk and Insurance Review, Palgrave Macmillan;International Association for the Study of Insurance Economics (The Geneva Association), vol. 23(1), pages 49-61, June.
    16. Célia Berchi & Maximilien Nayaradou & Olivier Dejardin & Guy Launoy, 2010. "Eliciting population preferences for mass colorectal cancer screening organization," Post-Print halshs-00478487, HAL.
    17. Mellor, Jennifer M., 2001. "Long-term care and nursing home coverage: are adult children substitutes for insurance policies?," Journal of Health Economics, Elsevier, vol. 20(4), pages 527-547, July.
    18. Franck Bien & Arnold Chassagnon & Manuel Plisson, 2012. "Est-il rationnel de ne pas s'assurer contre la dépendance ?," PSE - Labex "OSE-Ouvrir la Science Economique" halshs-00754579, HAL.
    19. Sindelar, Jody L, 1982. "Differential Use of Medical Care by Sex," Journal of Political Economy, University of Chicago Press, vol. 90(5), pages 1003-1019, October.
    Full references (including those not matched with items on IDEAS)

    More about this item

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • J14 - Labor and Demographic Economics - - Demographic Economics - - - Economics of the Elderly; Economics of the Handicapped; Non-Labor Market Discrimination

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:cai:refaef:ecofi_122_0273. See general 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: (Jean-Baptiste de Vathaire). General contact details of provider: http://www.cairn.info/revue-d-economie-financiere.htm .

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service hosted by the Research Division of the Federal Reserve Bank of St. Louis . RePEc uses bibliographic data supplied by the respective publishers.