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La demande d'assurance dépendance dans un cadre trivarié

  • Bien, Franck
  • Plisson, Manuel
  • Chassagnon, Arnold
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    Private 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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    Paper provided by Paris Dauphine University in its series Economics Papers from University Paris Dauphine with number 123456789/6796.

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    Date of creation: Sep 2011
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    Handle: RePEc:dau:papers:123456789/6796
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