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La psychiatrie : un risque important en assurance santé ?

Author

Listed:
  • Romain Gauchon

    (SAF - Laboratoire de Sciences Actuarielle et Financière - UCBL - Université Claude Bernard Lyon 1 - Université de Lyon)

  • Jean-Pascal Hermet

    (ADDACTIS France)

Abstract

The French Social Security has highlighted psychiatric diseases as a major risk. However, French private health insurance companies do not consider psychiatric care as an important topic. In this article is presented a study (based on four real health insurance databases) of the cost of a policyholder benefiting from a psychiatric follow-up care. It aims to provide a better understanding of this risk in an insurance context. It is shown that such a policyholder costs twice as much as an average policyholder, notably due to important expenses in hospitalization. Policyholders aged from 15 to 30 years, as well as the ones over 70 years old are the most concerned by this risk.

Suggested Citation

  • Romain Gauchon & Jean-Pascal Hermet, 2019. "La psychiatrie : un risque important en assurance santé ?," Working Papers hal-02342715, HAL.
    • Handle: RePEc:hal:wpaper:hal-02342715
    Note: View the original document on HAL open archive server: https://hal.science/hal-02342715
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    File URL: https://hal.science/hal-02342715/document
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    Cited by:

    1. Romain Gauchon & Stéphane Loisel & Jean-Louis Rullière, 2020. "Health-policyholder clustering using health consumption," Post-Print hal-02156058, HAL.

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