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Perception du risque dépendance et demande d'assurance : une analyse à partir de l'enquête PATER

Author

Listed:
  • Roméo Fontaine

    (LEG - Laboratoire d'Economie et de Gestion - UB - Université de Bourgogne - CNRS - Centre National de la Recherche Scientifique)

  • Manuel Plisson

    (LEDa - Laboratoire d'Economie de Dauphine - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres)

  • Jérôme Wittwer

    (LEDa - Laboratoire d'Economie de Dauphine - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres)

  • Nina Zerrar

    (LEDa - Laboratoire d'Economie de Dauphine - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres)

Abstract

Dans la littérature économique, de nombreux travaux tentent d'expliquer pourquoi les individus s'assurent aussi peu contre la dépendance. Du côté de l'offre, différents freins possibles au développement du marché de l'assurance dépendance ont d'ores et déjà été pointés du doigt par la littérature. Les estimations récentes montrent néanmoins que les limites imputables à l'offre ne suffisent pas à expliquer le faible développement du marché : même si les assurances étaient moins coûteuses et les couvertures proposées plus larges, la majorité des individus ne souscrirait toujours pas d'assurance. Il est donc nécessaire d'aller trouver des explications du côté de la demande d'assurance dépendance. Cet article vise à enrichir la littérature existante en étudiant empiriquement le rôle de la perception du risque dans la décision de se couvrir contre le risque dépendance et en se fondant sur l'observation directe des préférences individuelles (aversion pour le risque, préférence pour le présent) permise par la vague 2012 de l'enquête "Préférences et Patrimoines face au temps et au risque"(PATER). Outre l'effet des caractéristiques sociodémographiques, les estimations économétriques menées mettent en évidence le rôle des préférences individuelles dans les comportements de couverture face au risque dépendance; la préférence pour le présent aurait un rôle important dans la perception du risque dépendance, tandis que l'aversion au risque expliquerait le fait de s'assurer contre ce risque parmi ceux envisageant la possibilité d'être un jour dans une situation de dépendance.

Suggested Citation

  • Roméo Fontaine & Manuel Plisson & Jérôme Wittwer & Nina Zerrar, 2013. "Perception du risque dépendance et demande d'assurance : une analyse à partir de l'enquête PATER," Post-Print hal-01686596, HAL.
    • Handle: RePEc:hal:journl:hal-01686596
    Note: View the original document on HAL open archive server: https://hal.science/hal-01686596
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    References listed on IDEAS

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    1. Luc Arrondel & André Masson & Daniel Verger, 2004. "Les comportements de l'épargnant à l'égard du risque et du temps," Économie et Statistique, Programme National Persée, vol. 374(1), pages 9-19.
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