Accueil MSH-Alpes


Non-take-up of the complementary universal health insurance (CMU-C) and to the complementary healthcare aid (ACS).Français

Printer-friendly version

Author :

H. Revil
Grenoble, Odenore, October 2008

Collection :

Study n° 25

Language :


Addressee(s) :  Working group (ODENORE, CAF and CPAM of Isère).

Full text. Summary in french.



Methods : Statistical analysis (health insurance’s database) – questionnaire survey.

Scale :  Department.

Resulting focus : Non-take-up of the CMU-C (complementary universal health insurance) by beneficiaries of the RMI (minimum income support). End 2007, for the districts of Grenoble and Vienne:
15% of the beneficiaries of the RMI had no complementary health insurance (neither the complementary universal health insurance (CMU-C) nor any other insurance). Although most beneficiaries of the RMI knew about the CMU-C, they had only superficial knowledge and little understanding of the procedures for obtaining it. This was notably the case in the choice of the organization managing this benefit, which seemed to be a problem for the vast majority of beneficiaries. 46% of beneficiaries obtained information on the CMU-C via a social worker. For 65% of the beneficiaries of the RMI who answered our survey questionnaires, we can talk of a non-renewal of the right to the CMU-C. They have already benefited from it in the past but did not ask for it again. While a poor understanding of the modalities of renewal and the complexity of the system are causes for NTU, it is also significant that 7% of beneficiaries of the RMI said that they did not renew their CMU-C coverage because they encountered reluctance among doctors when they were beneficiaries of this coverage. Note also that 45% of the beneficiaries of the RMI in our survey said that they had given up obtaining healthcare over the past 12 months. 86% mentioned financial reasons.

Non-take-up of the ACS (complementary healthcare aid) by beneficiaries of the AAH (allowance for handicapped adults): In April 2008, for the district of Grenoble:
75% of the beneficiaries of the AAH had complementary health insurance. 90% of them had not asked for complementary healthcare aid (ACS) to finance a part of their complementary health insurance contributions. NTU of the ACS on a massive scale by beneficiaries of the AAH is primarily explained by a significant lack of information on this aid. 71% of the respondents to our questionnaire survey had no information and many of them had never heard about the ACS. Even those beneficiaries who had complementary health insurance and could therefore rapidly benefit from a reduced contribution did not ask for this aid because they were unaware of it. Note also that most of the legal guardians who answered the questionnaire said they were not aware of this assistance. Of the beneficiaries who were unaware of the ACS, 7% had not taken it up because they thought that the level of their income did not entitle them to it, and 4% thought that it would not be enough to pay for complementary health insurance coverage.

NTU of the CMU-C by beneficiaries of the API (allowance for single parents):
18% of beneficiaries of the API had no complementary health insurance (neither CMU-C nor anything else).