Complementary medical insurance: wide-spread coverage that does not eradicate inequalities

François Marical, division Études sociales, Thibaut de Saint Pol, division Conditions de vie des ménages, Insee

In 2003 nine out of ten people were covered by a complementary medical insurance programme. The rate was three times less in 1981. In 2003, coverage remained lowest amongst the poorest members of the population and foreigners. Households without children were more likely not to have complementary medical insurance coverage. As were the unemployed. Professional status also played a significant role: for nearly one out of four benefit-holders in the official medical insurance system, membership of a complementary medical insurance programme was made obligatory by their company. These differences are not unrelated to the use of health-care facilities: individuals without this coverage were twice as likely not to have consulted a doctor during the previous twelve months.

Insee Première
No 1142
Paru le : 28/06/2007