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Quelle assurance contre le risque dépendance ?

Author

Listed:
  • Pierre-Yves Geoffard

    (PSE - Paris-Jourdan Sciences Economiques - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres - INRA - Institut National de la Recherche Agronomique - EHESS - École des hautes études en sciences sociales - ENPC - École des Ponts ParisTech - CNRS - Centre National de la Recherche Scientifique, PSE - Paris School of Economics - UP1 - Université Paris 1 Panthéon-Sorbonne - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres - EHESS - École des hautes études en sciences sociales - ENPC - École des Ponts ParisTech - CNRS - Centre National de la Recherche Scientifique - INRAE - Institut National de Recherche pour l’Agriculture, l’Alimentation et l’Environnement)

Abstract

Il est souvent bien difficile d'identifier quelles sont les dépenses " légitimes ". Dans le cas de la santé, on s'en remet entièrement aux médecins. Dans le cas de la dépendance, faut-il à nouveau s'en remettre à eux ? Aux aides à domicile ? Il existe de nombreux services pour les personnes dépendantes dont il est très difficile d'évaluer la pertinence du point de vue de l'assureur. Pour cette raison, la dépendance, à l'inverse de la maladie, se prête sans doute mieux à un mécanisme d'assurance indemnitaire, avec une indemnité fixée en fonction du niveau de dépendance. Ce mécanisme limiterait l'aléa moral.

Suggested Citation

  • Pierre-Yves Geoffard, 2010. "Quelle assurance contre le risque dépendance ?," PSE-Ecole d'économie de Paris (Postprint) halshs-00754692, HAL.
    • Handle: RePEc:hal:pseptp:halshs-00754692
    DOI: 10.3917/rce.007.0159
    as

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