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Que peut-on attendre d'une assurance autonomie universelle dans le financement de la perte d'autonomie ? Évaluation à l'aide d'un modèle d'équilibre général calculable

Author

Listed:
  • Xavier Chojnicki

    (LEM - Lille économie management - UMR 9221 - UA - Université d'Artois - UCL - Université catholique de Lille - Université de Lille - CNRS - Centre National de la Recherche Scientifique)

  • Lionel Ragot

    (EconomiX - EconomiX - UPN - Université Paris Nanterre - CNRS - Centre National de la Recherche Scientifique, CEPII - Centre d'Etudes Prospectives et d'Informations Internationales - Centre d'analyse stratégique)

Abstract

The purpose of this study is to understand to what extent introducing compulsory autonomy insurance as an answer to the problem of the loss of autonomy of the elderly could help. This evaluation is made using an overlapping generations macroeconomic general equilibrium model. The advantage of this type of model is that it makes it possible to measure the effects of setting up autonomy insurance, for which we will study different financing methods, both at the macroeconomic and the individual levels. The benchmark scenario (without insurance) is compared to three variants of compulsory autonomy insurance, which draw on the studies done by Forette et al. (2018). All the variants are based on the same elements concerning the amount of coverage: 1,275 euros for people at GIR 1-2 and 925 euros for those at GIR 3-4. Only the financing method differentiates the scenarios being evaluated.

Suggested Citation

  • Xavier Chojnicki & Lionel Ragot, 2024. "Que peut-on attendre d'une assurance autonomie universelle dans le financement de la perte d'autonomie ? Évaluation à l'aide d'un modèle d'équilibre général calculable," Post-Print hal-04540455, HAL.
    • Handle: RePEc:hal:journl:hal-04540455
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    JEL classification:

    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • H53 - Public Economics - - National Government Expenditures and Related Policies - - - Government Expenditures and Welfare Programs
    • I11 - Health, Education, and Welfare - - Health - - - Analysis of Health Care Markets
    • I13 - Health, Education, and Welfare - - Health - - - Health Insurance, Public and Private

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