Pooling public and private funds in the patient's interest : The case for long-term care insurance.
International Conference on the Social Sciences and Medicine. Peebles GBR, 1996/09/02.
Although the extent of medical care in France may be thought adequate, the same does not apply to the social medicine sector.
The Assurance-maladie paid 87.7% of hospital health expenditure in 1994, whereas direct funding of home assistance amounted to only 9%. In contrast, a recent Legos study (Bungener M. et al.
Le bilan économique et financier du secteur medico social, Université de Paris IX, Legos, Janvier 1994)  estimated that home assistance costs represent 41-50% of medical-social expenditure.
When people are unable to manage because of the high costs of their invalidity, the social security system comes to their assistance, although only under Draconian conditions involving compulsory « family support commitments » and the state's claim on the inheritance of the beneficiary (total costs for hospital admission and boarding and the dual limits of 1000F liabilities and 250.000F net assets for home assistance).
The elderly well appreciate the severity of this problem and are deeply distressed by the thought of dependency.
Many, however, live under the illusion that the social security system or, to a lesser extent, the mutual funds will come to their assistance, although the problems involved lie partly outside their remits.
We therefore need to design new systems to allow the elderly to finance their costs should they become dependant.
Mots-clés Pascal : Assurance maladie, Assurance vie, Secteur public, Secteur privé, Vieillard, Homme, A domicile, Politique sociale, Economie santé, France, Europe, Soutien domicile
Mots-clés Pascal anglais : Health insurance, Life insurance, Public sector, Private sector, Elderly, Human, At home, Social policy, Health economy, France, Europe
Notice produite par :
Inist-CNRS - Institut de l'Information Scientifique et Technique
Cote : 96-0397539
Code Inist : 002B30A07E. Création : 10/04/1997.