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Le marché de l'assurance dépendance

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  • Philippe Trainar

Abstract

This article aims to draw lessons from economic analysis in order to assess the possibilities of covering the long-term care risk through insurance. It starts by noting the fundamental ambiguity of this risk. As a result, contracts aimed at hedging this risk exhibit a fundamental asymmetry, which is a source of moral hazard. In addition to the intrinsic limits of existing solutions, these features determine the conditions for optimal risk coverage, in particular by insurance companies, as well as the conditions whereby this could help strengthen competition among nursing care facilities. and improve the quality of the choices available. JEL classification: D82, G22, I13.

Suggested Citation

  • Philippe Trainar, 2023. "Le marché de l'assurance dépendance," Revue d'économie financière, Association d'économie financière, vol. 0(4), pages 151-165.
    • Handle: RePEc:cai:refaef:ecofi_152_0151
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    More about this item

    JEL classification:

    • D82 - Microeconomics - - Information, Knowledge, and Uncertainty - - - Asymmetric and Private Information; Mechanism Design
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private

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