Coverage of social risks by private insurance organisations

The Directorate for Research, Studies, Evaluation and Statistics (DREES) makes available the amounts of contributions collected and benefits paid by insurance organisations in the field of social risks: health, pension and pension. Data are made available from 2011 onwards and are more detailed from 2021 onwards by type of complementary bodies, contracts and risks.

Note: Non-social risks cannot be broken down between individual and collective contracts, and daily allowance contributions cannot be broken down between sickness, maternity and AT-MP.

Unit: Billions of euros.

Field: Direct cases carried out by insurance bodies audited by the Supervisory and Resolution Authority (ACPR) on 31 December of each year, excluding substituted mutual societies and out of retirement activities of the Supplementary Occupational Retirement Organisations (ORPS). Tax-free contributions. Net recourse benefits (sinners paid and periodic payments of annuities paid minus claims received), excluding changes in provisions.

Source: ACPR States, further retirement from DREES, data on borrower contracts from France Insurers, DREES calculations.

For more information:

• Sources

- data on the financial situation of supplementary bodies providing health coverage

- Optional Supplementary Retirement Survey

• Datasets

- complementary health organisations – Detailed accounts

- optional supplementary retirement and retirement savings

• Publications

- Montaut, A., Adjerad, R. (2019, January). First estimate of the number of persons covered by private insurance organisations, by social risk. Drees, Studies and Results, 1101.

- Montaut, A. (2017, July). Complementary bodies: insurance companies dominate the coverage of social risks, except in health. Drees, Studies and Results, 1016.

- Montaut, A. (2016, June). Health, retirement, death...: one third of the private insurance market covers social risks. Drees, Studies and Results, 0963.

- De Williencourt, C. (2022), 2222 Report on the financial situation of supplementary bodies providing health coverage. DREES.

- Marc, C., Lefebvre, G., Portela, M. _et al. Social protection in France and Europe in 2021 – Social protection accounts results - Edition 2022. Panoramas of DREES.

- Marino, A. _et al. Pensioners and pensions – 2022 edition. Panoramas of DREES.

- Supervisory and resolution authority (ACPR, 2022, October), The figures for the French banking and insurance market 2021.