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Voluntary health insurance markets in France: . Economic rationales and legal mechanisms
[Les marchés de l'Assurance santé privée en France : Logiques économiques et dispositifs juridiques]

Author

Listed:
  • Philippe Batifoulier

    (CEPN - Centre d'Economie de l'Université Paris Nord - UP13 - Université Paris 13 - USPC - Université Sorbonne Paris Cité - CNRS - Centre National de la Recherche Scientifique)

  • Anne-Sophie Ginon

    (UniCA - Université Côte d'Azur)

Abstract

In France, there are two types of health insurance: compulsory public health insurance and voluntary private health insurance which is organized as a market. This paper deals with private health insurance. We define the market place (position and scope) according to two criteria. On the one hand, the standardization or differentiation strategies of the insurance companies, which structure competition through quality and innovation. Secondly, the type of pooling (or mutualisation) at work in insurance contracts, distinguishing between commercial pooling and solidarity-based pooling. We draw up a typology of four "ideal-type" market configurations: residual market, educated market, polarized market and autonomous market.

Suggested Citation

  • Philippe Batifoulier & Anne-Sophie Ginon, 2022. "Voluntary health insurance markets in France: . Economic rationales and legal mechanisms [Les marchés de l'Assurance santé privée en France : Logiques économiques et dispositifs juridiques]," Working Papers hal-03584803, HAL.
    • Handle: RePEc:hal:wpaper:hal-03584803
    Note: View the original document on HAL open archive server: https://hal.science/hal-03584803
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    References listed on IDEAS

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    1. Christine André & Philippe Batifoulier & Mariana Jansen‐Ferreira, 2016. "Health care privatization processes in Europe: Theoretical justifications and empirical classification," International Social Security Review, John Wiley & Sons, vol. 69(1), pages 3-23, January.
    2. Philippe Batifoulier & Nicolas da Silva & Victor Duchesne, 2019. "The dynamics of conventions: the case of the French Social Security System," Post-Print hal-01994383, HAL.
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