{"id":4849,"date":"2024-07-25T22:06:00","date_gmt":"2024-07-25T15:06:00","guid":{"rendered":"https:\/\/www.eurogroupconsulting.com\/?p=4849"},"modified":"2026-01-21T11:04:16","modified_gmt":"2026-01-21T10:04:16","slug":"lobesite-a-major-economic-challenge-for-complementary-healthcare-products","status":"publish","type":"post","link":"https:\/\/www.eurogroupconsulting.com\/en\/publications\/article\/lobesite-un-enjeu-economique-majeur-pour-les-complementaires-sante","title":{"rendered":"Obesity: a major economic challenge for complementary healthcare?"},"content":{"rendered":"\t\t
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L\u2019ob\u00e9sit\u00e9 : un probl\u00e8me de sant\u00e9 publique majeur qui ne cesse de croitre<\/h3>

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L\u2019ob\u00e9sit\u00e9 est d\u00e9finie par un indice de masse corporelle (IMC[1]) \u00e9gal ou sup\u00e9rieur \u00e0 30 et a un impact cons\u00e9quent sur la sant\u00e9 des personnes concern\u00e9es. Caus\u00e9e par une alimentation riche en calories, un manque d\u2019activit\u00e9 physique et des facteurs g\u00e9n\u00e9tiques pr\u00e9disposants, l\u2019ob\u00e9sit\u00e9 constitue un facteur de risque principal pour de nombreuses pathologies chroniques. En effet, l\u2019ob\u00e9sit\u00e9 entra\u00eene des facteurs de risque interm\u00e9diaires tels que l\u2019hypertension, la dyslipid\u00e9mie[2], la r\u00e9sistance \u00e0 l\u2019insuline et l\u2019inflammation syst\u00e9mique, augmentant la probabilit\u00e9 de pathologies graves telles que les maladies cardiovasculaires, le diab\u00e8te de type 2 ainsi que certains cancers.<\/p>

En France en 2020 47,3% des adultes \u00e9taient en surpoids (IMC sup\u00e9rieur \u00e0 25) incluant 17% d\u2019adultes ob\u00e8ses (contre respectivement 38,3% et 10,1% en 2000). L\u2019augmentation de la pr\u00e9valence de l\u2019ob\u00e9sit\u00e9 et les risques associ\u00e9s en font une des probl\u00e9matiques de sant\u00e9 publique majeure et l\u2019ob\u00e9sit\u00e9 est ainsi responsable chaque ann\u00e9e de 6,6 millions de pathologies, traitements et \u00e9pisodes de soins et de plus de 60 000 d\u00e9c\u00e8s.<\/p>

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Un co\u00fbt financier cons\u00e9quent pour la collectivit\u00e9 et pour les compl\u00e9mentaires sant\u00e9<\/h3>

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En France, l\u2019ob\u00e9sit\u00e9 entraine un co\u00fbt annuel total estim\u00e9 \u00e0 10,6 milliards d\u2019euros par an[3], soit 1 250 euros en moyenne par individu concern\u00e9. Ce montant englobe diverses d\u00e9penses r\u00e9parties entre plusieurs acteurs cl\u00e9s du syst\u00e8me de sant\u00e9 et de l\u2019\u00e9conomie. En effet, le co\u00fbt de l\u2019ob\u00e9sit\u00e9 est pris en charge \u00e0 80% par l\u2019assurance maladie, 12% par les compl\u00e9mentaires sant\u00e9 et 8% par les entreprises.<\/p>

L\u2019ob\u00e9sit\u00e9 repr\u00e9sente ainsi un co\u00fbt d\u20191,3 milliards d\u2019euros chaque ann\u00e9e pour les organismes compl\u00e9mentaires qui se r\u00e9partissent comme suit\u00a0: 1,1 milliards d\u2019euros de soins de ville (consultations m\u00e9dicales, m\u00e9dicaments et soins param\u00e9dicaux) et 0,2 milliard d\u2019euros de soins hospitaliers (interventions chirurgicales et traitement de complications graves par exemple).<\/p>

Ce co\u00fbt repr\u00e9sente une part cons\u00e9quente des prestations vers\u00e9es par les organismes compl\u00e9mentaires, atteignant 32,8 milliards d\u2019euros[4] en 2020. Le ratio co\u00fbt de l\u2019ob\u00e9sit\u00e9 \/ total des prestations vers\u00e9es s\u2019\u00e9levait ainsi \u00e0 4,2%.<\/p>

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Un enjeu sanitaire et financier cl\u00e9 pour les compl\u00e9mentaires sant\u00e9<\/h3>

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Les donn\u00e9es \u00e9pid\u00e9miologiques d\u00e9velopp\u00e9es\u00a0supra<\/em>\u00a0ainsi que le co\u00fbt annuel de l\u2019ob\u00e9sit\u00e9 pour les organismes compl\u00e9mentaires d\u00e9montrent la n\u00e9cessit\u00e9 de renforcer les d\u00e9marches de pr\u00e9vention afin de r\u00e9ussir \u00e0 inverser la tendance et diminuer la pr\u00e9valence de l\u2019ob\u00e9sit\u00e9.<\/p>

Aujourd\u2019hui, les organismes compl\u00e9mentaires de sant\u00e9 jouent un r\u00f4le important dans le financement de la pr\u00e9vention et prennent en charge 16%[5] des d\u00e9penses totales de cette derni\u00e8re (tous dispositifs de pr\u00e9vention confondus). Cependant, si aujourd\u2019hui de nombreux dispositifs de pr\u00e9vention tant primaire, que secondaire et tertiaire existent, les strat\u00e9gies adopt\u00e9es ne permettent pas d\u2019atteindre l\u2019objectif de diminution de la pr\u00e9valence de l\u2019ob\u00e9sit\u00e9 ni m\u00eame le ralentissement de l\u2019augmentation de cette derni\u00e8re.<\/p>

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R\u00e9inventer les approches des organismes de sant\u00e9 pour inverser la tendance<\/h3>

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Face \u00e0 l\u2019urgence de la situation et \u00e0 l\u2019\u00e9chec des approches de pr\u00e9vention men\u00e9es pr\u00e9c\u00e9demment, il convient d\u00e9sormais de faire \u00e9voluer ces derni\u00e8res en prenant en compte les contraintes qui s\u2019imposent aux organismes compl\u00e9mentaires\u00a0: acc\u00e8s limit\u00e9 aux donn\u00e9es de sant\u00e9, cadre financier et institutionnel d\u00e9sincitatif, comptabilisation des frais de gestion.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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    Renforcer la pr\u00e9vention secondaire et tertiaire<\/strong><\/h5>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n
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    Pour r\u00e9pondre \u00e0 ce d\u00e9fi, il est n\u00e9cessaire pour les organismes compl\u00e9mentaires de se concentrer sur la pr\u00e9vention secondaire et tertiaire (l\u2019Assurance Maladie \u00e9tant l\u2019organisme le mieux plac\u00e9 pour r\u00e9aliser de la pr\u00e9vention primaire massive<\/em>) en renfor\u00e7ant leurs offres existantes en particulier dans le cadre des contrats collectifs dans une approche partenariale avec les employeurs.<\/p>\n

    Plusieurs pistes d\u2019action peuvent \u00eatre envisag\u00e9es dans le champ d\u2019action historique des compl\u00e9mentaires : augmentation des forfaits di\u00e9t\u00e9ticiens, prise en charge d\u2019examens m\u00e9dicaux pr\u00e9ventifs tels que les \u00e9preuves d\u2019effort permettant de proposer par la suite des programmes de remise en exercice adapt\u00e9s et suivre l\u2019\u00e9volution des patients, prise en charge financi\u00e8re d\u2019abonnements \u00e0 des applications de sant\u00e9 certifi\u00e9es avec un acc\u00e8s aux donn\u00e9es en contrepartie pour pouvoir individualiser le suivi et l\u2019accompagnement, accompagnement en entreprise via<\/em> des actions collectives cibl\u00e9es, etc.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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      Agir sur la chaine de valeur de la nutrition<\/strong><\/h5>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n
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      Il existe un autre levier sur lesquels les organismes compl\u00e9mentaires pourraient envisager un positionnement novateur : la diversification sur la chaine de valeur de la nutrition. En aval de la prise en charge financi\u00e8re \u00e9videmment : par le biais de conseil, coaching ou en prenant part au syst\u00e8me de soins. C\u2019est un positionnement qui existe d\u00e9j\u00e0 mais  pourrait faire l\u2019objet d\u2019un investissement plus fort, en particulier dans l\u2019accompagnement individuel.<\/p>\n

      Plus novateur encore, l\u2019engagement des organismes compl\u00e9mentaires en amont de la chaine de valeur sur le champ de l\u2019industrie agroalimentaire ou des distributeurs. Cela aurait plusieurs vertus : travailler \u00e0 la racine des probl\u00e9matiques en tentant de transformer les produits consomm\u00e9s, participer \u00e0 am\u00e9liorer la sant\u00e9 des individus et donc diminuer les co\u00fbts de prise en charge de l\u2019ob\u00e9sit\u00e9 sur le long cours et enfin utiliser ce champ comme un espace de diversification \u00e9conomique.<\/p>\n

      Cette diversification n\u2019est pas naturelle en France pour le secteur de l\u2019assurance sant\u00e9. Pourtant, elle est une voie qui s\u2019av\u00e9rerait utile \u00e0 la consolidation \u00e9conomique des assurances et \u00e0 la promotion de chaines de valeur coh\u00e9rentes et impactantes pour les Fran\u00e7ais.<\/p>\n

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      [1] Le calcul de l\u2019indice de masse corporelle ou IMC (poids divis\u00e9 par la taille au carr\u00e9) indique si la personne est en surpoids.<\/h6>\n
      [2] Anomalie quantitative et qualitative de param\u00e8tres lipidiques comme le cholest\u00e9rol total<\/h6>\n
      [3] ASTERES, Mars 2022<\/h6>\n
      [4] DRESS, D\u00e9cembre 2023<\/h6>\n
      [5] ASTERES, Avril 2022<\/h6>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

      L\u2019ob\u00e9sit\u00e9 : un probl\u00e8me de sant\u00e9 publique majeur qui ne cesse de croitre
      \nL\u2019ob\u00e9sit\u00e9 est d\u00e9finie par un indice de masse corporelle (IMC[1]) \u00e9gal ou sup\u00e9rieur \u00e0 30 et a un impact cons\u00e9quent sur la sant\u00e9 des personnes concern\u00e9es. Caus\u00e9e par une alimentation riche en calories, un manque d\u2019activit\u00e9 physique et des facteurs g\u00e9n\u00e9tiques pr\u00e9disposants, l\u2019ob\u00e9sit\u00e9 constitue un facteur de risque principal pour de nombreuses pathologies chroniques. En effet, l\u2019ob\u00e9sit\u00e9 entra\u00eene des facteurs de risque interm\u00e9diaires tels que l\u2019hypertension, la dyslipid\u00e9mie[2], la r\u00e9sistance \u00e0 l\u2019insuline et l\u2019inflammation syst\u00e9mique, augmentant la probabilit\u00e9 de pathologies graves telles que les maladies cardiovasculaires, le diab\u00e8te de type 2 ainsi que certains cancers.<\/p>\n","protected":false},"author":1,"featured_media":4862,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-4849","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article"],"acf":[],"yoast_head":"\nL\u2019ob\u00e9sit\u00e9, un enjeu \u00e9conomique majeur pour les compl\u00e9mentaires sant\u00e9 ?<\/title>\n<meta name=\"description\" content=\"Ob\u00e9sit\u00e9 en France : un co\u00fbt de 10,6 milliards d'euros. 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