This paper is based on a randomised social experiment conducted in order to understand the low take-up rate of a Complementary health-insurance voucher program for the poorest in France (the Aide Complémentaire Santé: ACS). We explore two of the main hypotheses put forward to explain low...

Le dispositif de l’Aide complémentaire santé (ACS) a été mis en place au 1er janvier 2005 afin d’inciter les ménages dont le niveau de vie se situe juste au dessus du plafond CMU-C à acquérir une couverture complémentaire santé (CS). Même si le nombre de bénéficiaires a lentement...

In order to improve financial access to complementary health insurance (CHI) in France, a CHI voucher program, called Aide Complémentaire Santé (ACS) was introduced in 2005. Four years later, the program covered only 18% of the eligible population. Two main hypotheses are put forward to...

Ce papier présente les résultats d’une étude exploratoire afin de contribuer à une meilleure compréhension du rôle des alliances stratégiques des PME pour concilier entre les innovations d’exploration et les innovations d’exploitation. La nouvelle approche des innovations et des...

The competition between SEAQ International and Continental European equity markets to attract transactions in the most actively traded European stocks has intensified since the late 1980s. Because their transactions are organised in a different manner, and because reporting standards are not the...

Most of regulators in health care systems use pooling contracts such that payment do not depend on the level of severity. This policy is motivated by concerns about the moral hazard problem. In this paper, we show that it can be optimal when patient severity is private information because of the...

The numbers of households in fuel poverty is increasing. Indeed, more and more people are struggling to heat their homes and therefore more and more people are exposed to low temperatures which can affect their health. In this paper, we use the French database of the Healthcare and Insurance...