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Knowledge of the complementary health insurance and insurance gap
[Connaissance du contrat complémentaire santé et écart assurantiel]

Author

Listed:
  • Anne-Kim Ristori

    (AMSE - Aix-Marseille Sciences Economiques - EHESS - École des hautes études en sciences sociales - AMU - Aix Marseille Université - ECM - École Centrale de Marseille - CNRS - Centre National de la Recherche Scientifique, AMU - Aix Marseille Université)

Abstract

En France, l'assurance maladie obligatoire (AMO) couvre la majorité des dépenses de santé, le reste à charge étant plus ou moins pris en charge par l'assurance maladie complémentaire (AMC). Mais les assurés connaissent-ils vraiment leur contrat d'AMC ? Ce travail empirique explore des données administratives appariées à des données d'enquête renseignant des caractéristiques habituellement non observées (état de santé ou aversion au risque). Dans un premier temps, nous identifions les facteurs qui influencent la connaissance qu'ont les assurés de leur contrat, puis nous analysons l'écart entre les remboursements et les cotisations à l'aide de régressions quantiles. Paradoxalement, cet écart ne semble pas être creusé par la consommation de soins dits « de confort » mais plutôt par des soins hospitaliers. Une meilleure connaissance de son contrat semble être profitable .

Suggested Citation

  • Anne-Kim Ristori, 2023. "Knowledge of the complementary health insurance and insurance gap [Connaissance du contrat complémentaire santé et écart assurantiel]," Post-Print hal-04603066, HAL.
    • Handle: RePEc:hal:journl:hal-04603066
    DOI: 10.3917/reco.743.0399
    as

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