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Private Supplementary Health Insurance: Retirees' Demand

  • Carine Franc

    ()

    (CERMES, Inserm U750, CNRS UMR8169, EHESS, 7 rue Guy M�quet, Villejuif 94801, France.)

  • Marc Perronnin

    (IRDES, 10 rue Vauvenargues, Paris 75018, France. E-mails: perronnin@irdes.fr, pierre@irdes.fr)

  • Aur�lie Pierre

    (IRDES, 10 rue Vauvenargues, Paris 75018, France. E-mails: perronnin@irdes.fr, pierre@irdes.fr)

In France, about 90 per cent of the population is covered by private health insurance that supplements public health insurance. More than half of policyholders obtain their coverage through their employer. Considering the financial benefits associated with group contracts compared to individual contracts, we assume that switching behaviours vary among different beneficiaries during the transition to retirement. The gap in premiums at retirement between group and individual contracts gives the opportunity to study the marginal price effect on switching behaviours. In this study, we consider the nature of the contract prior to retirement (compulsory or voluntary membership group contract and individual contract) as an indirect measure of the price effect. We show the significance of this price effect as policyholders formerly enrolled in group contracts switch much more frequently than those formerly covered by an individual contract. We also discuss other determinants of the decision to switch private supplementary health insurance. The Geneva Papers (2008) 33, 610–626. doi:10.1057/gpp.2008.31

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Article provided by Palgrave Macmillan in its journal The Geneva Papers on Risk and Insurance Issues and Practice.

Volume (Year): 33 (2008)
Issue (Month): 4 (October)
Pages: 610-626

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Handle: RePEc:pal:gpprii:v:33:y:2008:i:4:p:610-626
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  1. Samuelson, William & Zeckhauser, Richard, 1988. " Status Quo Bias in Decision Making," Journal of Risk and Uncertainty, Springer, vol. 1(1), pages 7-59, March.
  2. Marquis, M Susan & Phelps, Charles E, 1987. "Price Elasticity and Adverse Selection in the Demand for Supplementary Health Insurance," Economic Inquiry, Western Economic Association International, vol. 25(2), pages 299-313, April.
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