The health insurance business model between product standardization and service differentiation

Le modèle économique de l’assurance maladie entre standardisation des produits et différenciation des services

Victor Duchesne, Philippe Batifoulier and Ariane Ghirardello

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Abstract: The private health insurance market in France has undergone significant development over the last two decades. This evolution stems from the State's entrustment of a new role to the market concerning social cohesion, marked by a hyper-regulation of health insurance contracts, resulting in substantial standardisation. Contrary to being a major challenge, standardisation, inherent in the insurance market, compels insurers to distinguish themselves not solely based on guarantees but by offering a myriad of services. This approach enables policyholders to manage their health individually. This strategy not only signifies an adaptation of insurers' business models but also reflects a new ethos in health insurance, championed by the State, which legitimises market players as contributors to public health and the common good.

Keywords: Private health insurance; Standardisation; Additional services; Health market; Market regulation; Economics of convention; Assurance maladie privée; Normalisation; Services complémentaires; Marché de la santé; Régulation du marché; Économie des conventions (search for similar items in EconPapers)
Date: 2024
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Published in European Review of Service Economics and Management, 2024, 1 (17), pp.29-55. ⟨10.48611/isbn.978-2-406-17198-0.p.0029⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04535960

DOI: 10.48611/isbn.978-2-406-17198-0.p.0029

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