La demande d'assurance dépendance dans un cadre trivarié
Bien, Franck; Plisson, Manuel; Chassagnon, Arnold (2011), La demande d'assurance dépendance dans un cadre trivarié, 60e Congrès AFSE, 2011-09, Paris (Nanterre), France
TypeCommunication / Conférence
Conference title60e Congrès AFSE
Conference cityParis (Nanterre)
MetadataShow full item record
Abstract (EN)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.
Subjects / Keywordsdépendance; assurance dépendance; demande d'assurance
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