While coverage rates are low for both sexes in South Asia and sub-Saharan Africa, women still face significant disadvantages vis-a-vis men. In France, for example, the gender gap in pensions (relative to average pensions for all men) is 19 per cent for women who have no children, 31 per cent for women who have one or two children and 50 per cent for women who have three or more children.104 These gaps not only undermine gender equality in old age but also women's right to an adequate standard of living. In Chile, for example, the combination of these factors creates a gender gap of 66 per cent in pensions derived from the individual capital account system (see Figure 3.6).