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

Author

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  • Roméo Fontaine

    (LEG - Laboratoire d'Economie et de Gestion - UB - Université de Bourgogne - CNRS - Centre National de la Recherche Scientifique, IRDES - Institut de Recherche et Documentation en Economie de la Santé - Université Paris Dauphine-PSL - PSL - Université Paris Sciences et Lettres)

  • 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 mais très peu d'études empiriques permettent de tester les différents mécanismes limitant la demande de couverture. Les travaux empiriques existants sont généralement menés sur données américaines. Dans cet article nous mettons à profit des données françaises issues de l'enquête PATER qui étudie les comportements d'épargne et de couverture face au risque dépendance des ménages. 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 et préférence pour le présent) que permet par l'enquête PATER. Les estimations économétriques menées conduisent à mettre en évidence, outre l'effet des caractéristiques sociodémographiques, le rôle des préférences à l'égard du risque et du temps dans les comportements de couverture. 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 souscrire une assurance dépendance parmi ceux envisageant la possibilité d'être un jour dans une situation de dépendance.

Suggested Citation

  • Roméo Fontaine & Manuel Plisson & Jérôme Wittwer & Nina Zerrar, 2012. "Perception du risque dépendance et demande d'assurance : une analyse à partir de l'enquête PATER," Post-Print hal-01686603, HAL.
    • Handle: RePEc:hal:journl:hal-01686603
    Note: View the original document on HAL open archive server: https://hal.science/hal-01686603
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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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    Assurance-invalidité;

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