• The Journal of Asian Finance, Economics and Business
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• 제8권2호
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• pp.123-133
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• 2021

The purpose of this study was to analyze the influence of product quality factors, product risk, company reputation, and service quality on the purchase intention of insurance policies by customers in Indonesia. The variables in this study are product quality, service quality, company reputation, perceived risk, and purchase intention. This study uses a quantitative approach. Primary data were obtained from 154 respondents. Data processing and model testing use the Structural Equation Modeling procedure with Lisrel 8.80. At the significance level of 0.05, the research found that product quality had a positive and significant effect on purchase intention; product quality had a positive and significant effect on company reputation; product quality had a positive and significant effect on perceived risk perception; company reputation had a positive and significant effect on purchase intention; company reputation has a positive and insignificant effect on service quality; product quality has a positive, but non-significant effect on service quality; service quality has a positive and significant effect on purchase intention; perceived risk has a negative and significant effect on purchase intention; perceived risk has a positive and significant impact on service quality; and perceived risk has a positive and significant effect on company reputation.

• 한국콘텐츠학회논문지
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• 제21권11호
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• pp.490-502
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• 2021

원예시설 농가들은 시설에서 발생할 수 있는 위험에 대비하여 농작물재해보험 원예시설 담보의 보험상품을 가입한다. 상품이 담보하는 태풍, 우박, 동상해, 호우, 강풍피해 등의 자연재해에 대비하기 위하여 보험에 가입하는 것이다. 농가들이 위와 같은 자연재해 등으로 부터 인지할 수 있는, 즉 주어진 상황의 위험성에 대한 주관적인 지각인 위험지각이 원예시설 농가로 하여금 원예시설 보험상품 구매의도에 미치는 영향을 알아보고자 제주지역의 원예시설 농가 소유주를 대상으로 위험지각과 보험구매의도에 대해 분석하였다. 농장규모, 보험가입 여부와 위험지각의 영향관계 규명을 위해 t-test를 시행하였고 주관적 인식, 준거집단, 미디어 노출, 보상이해도 등 개인적 특성과 행동요인이 위험인식에 미치는 영향을 검증하기 위해 다중회귀분석을 하였다. 그리고 위험지각과 보험구매의도의 영향관계에서 개인적 특성 및 행동요인의 매개역할을 확인하기 위해 Baron & Kenny의 3단계 회귀분석을 실시하였다. 연구결과 농장규모에 따른 차이는 없으나 보험가입자가 미가입자에 비해 위험지각 정도가 더 높은 것으로 분석되었고 보상이해도가 가장 큰 영향력을 가지며 주관적 지식의 영향력이 가장 작은 것으로 확인되었다. 또한 이 네 가지 요인은 위험지각과 보험구매의도의 영향관계에 매개효과를 갖는 것으로 검증되었다. 이러한 결과는 원예시설 보험상품 개발과 마케팅 활동에 실무적인 도움을 제공할 수 있을 것으로 기대된다.

• 품질경영학회지
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• 제31권1호
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• pp.42-61
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• 2003

The objective of this study is to analyze the impact of service quality on the customer satisfaction, the re-purchase intention and the word of mouth in the Korean insurance industry. In this study, the methodology for measuring the degree of service quality which has been adopted in the service quality research area was used. Data for this study were gathered from 1332 consumer life insurance and 689 consumer non-life insurance companies using internet survey method. The result of this study is summarized as follows: the determinants of service quality in the Korean life insurance industry are empathy, responsiveness and reliability, and the determinants of service quality in the Korean non-life insurance industry are empathy, and responsiveness, and the re-purchase intention and the word of mouth are affected by the customer satisfaction. As a result of the study, strategic implications will be suggested.

• Journal of Information Technology Applications and Management
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• 제15권3호
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• pp.91-110
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• 2008

Trust is emphasized as one of the most important factors in various e-commerce related studies. It is no exaggeration to say that in the area of e-commerce, trust-building with customers determines a company's success or failure. That is why most e-commerce based companies spare no time and effort in building trust with customers. Without exception, trust is one of the most critical factors influencing a customer's decision making process of whether to purchase Internet automobile insurance. This study attempts to provide useful guidelines for the sales-enhancing strategies of Internet automobile insurers, by delving into research questions concerning 1) gender differences in Internet automobile insurance customers' recognition of trust, and 2) gender differences in the effective trust factors influencing one's intention to purchase of Internet automobile insurance. The study finds that while the shape of trust-recognition toward three types of trust factors is very similar for both gender groups, the intensity of trust for each gender group in overall is pretty different. The results indicate that there exist gender differences in the trust factors influencing one’s intent to purchase Internet automobile insurance. The results of this study will provide useful guidelines for Internet automobile insurers in establishing effective and differentiated marketing strategies.

• 한국환경과학회지
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• 제23권2호
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• pp.171-180
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• 2014

This study provides the empirical results of the customers' necessity and intentions of purchasing weather index insurance using survey of asking the customers' recognition about weather insurance. In this article, we discovered that not only the customers' past experience of loss but also the extent of damage and the effects that change in weather would have on their firm are positively related to an intention to purchase weather index insurance. In addition, the level of premiums was significantly higher for the highly-intended group of willing to purchase weather index insurance than the comparison group.

• 디지털융복합연구
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• 제10권5호
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• pp.67-78
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• 2012

최근 온라인 자동차보험에 대한 고객의 관심이 급증하고 있다. 그 이유는 경제성 측면에서 온라인 자동차보험이 소비자들에게 유용성을 제공해주기 때문이다. 오프라인에서 판매하는 자동차보험은 서비스 상품으로 온라인에서 판매하는 자동차보험 상품에 비해 상대적으로 높은 가격을 형성하고 있다. 이러한 특징에 힘입어 가격이 저렴한 온라인 자동차보험은 소비자들에게 큰 인기를 얻고 있다. 그렇기 때문에 소비자들은 온라인 자동차보험 상품 가격에 많은 관심을 가지고 있고, 자동차보험 상품 구입에 신중한 선택을 하고 있다. 본 연구에서는 소비자들이 온라인 자동차보험에 대해 느끼는 인지된 이익과 가격 수용성을 중심으로 $2{\times}2$ 매트릭스로 구성해 온라인 자동차보험 고객군을 온라인 수용형, 경제성 추구형, 편리 추구형, 신중 접근형으로 구분하였다. 이에 따라 본 연구에서는 온라인 자동차보험 웹사이트의 인지된 이용 용이성, 유용성, 태도, 구매의도에 사이의 관계를 분석하였다. 본 연구결과는 온라인에서 자동차보험 상품을 판매하는 기업들에게 소비자의 온라인 자동차보험 구매의도를 강화하기 위한 고객관계관리 전략 수립에 있어 유용한 시사점을 제공해 줄 것이다.

• 가정과삶의질연구
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• 제26권3호
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• pp.37-52
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• 2008

The purpose of this study was to provide the valid data about residential-linked pension insurance development. The development was a part of national housing projects, which was an incentive for rural living of retired people, in order to relieve residential issues of elderly and revitalize rural communities by residents moving from cities. The insuring intent, decisive insuring factors and the residential service demand degree of people preparing retirement were analyzed. Data was collected in October, 2007. 364 Sample Subjects lived in Seoul Metropolitan area. Firstly, more than 90% of respondents had intention to purchase a residential-linked pension insurance and about 50% of them necessarily desired receiving premium for moving in. This indicated that it could be developed as an insurance which helped to meet housing expenses by housing-linked system, and in the mean time, it met the original purpose of pension insurance as the pension benefit could be guaranteed for all the insurance subscribers. Secondly, the respondents, whose income and private assets were higher, were able to pay more for insurance compared to average. Therefore, It was necessary to regulate monthly insurance bill and the payment period according to asset states of insurance subscribers after establishing certain amount of total insurance payment. Thirdly, by and large, it indicated the tendency that the less they prepare for older age the later they wanted to move into the pension insurance residence. It was inferred that in the case of insufficient preparation for older age, people preferred preparing behind time by postponing move in to moving in early to enjoy retired life, due to uncertainties. lastly, the respondents understood the significance of health, medical treatment and emergency management service and these two services were preferred as essential provided services. Because of the necessity of developing residential-linked pension insurance was found to be positive, further research to find the real cost, directives for operation and institutional support for this type of pension insurance might be needed.

• 대한물리치료과학회지
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• 제9권3호
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• pp.129-140
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• 2002

This study intended to find out how the handicapped use medical aid, their satisfaction at using it and so on. First a preliminary survey(Apr. 20$\sim$24, 2002) was made for the handicapped who had been cured for rehabilitation by wearing medical aid at hospitals and welfare center in Jeonbuk region. Then total 120 subjects were asked to fill out a standardized questionnaire from May 15$\sim$22, 2002. Out of total 95 questionnaires collected, 84 questionnaires were analyzed except for 11 cases unsuitable for the intention of this study. The results can be outlined as follows: 1. In general characteristic, it was found that the causes of disability included disease(35 respondents; 41.7%), traffic accident(23 respondents, 27.4%) and so on. In addition, 1st handicap comprised the majority(32 respondents; 58.2%) in handicap grade and ankle foot orthosis(or b-k orthosis) was most often used as medical aid(28 respondents: 33.3%) 2. In particular, it was also shown that the 1st handicap mainly resulted from traffic accident(15 respondents, 27.3%) and post-disease disability (11 respondents, 20.0%). They wore medical aid for 1 year or less on the average, because they were hospitalized for cure, which showed statistically significant level(P<0.05). 3. It was found that total 69 respondents(82.1%) were more or less satisfied with their medical aids depending on the causes of disability, and total 46 respondents(83.6%) were satisfied with their aids according to their handicap grade, but there were no statistical significance. 4. Total 56(66.7%) respondents answered that they would purchase medical aid on their own expenses, when they became handicapped. And the price of medical aid ranged from $\300,000{\sim}400,000$(25 respondents: 29.8%) to \ 500,000 or more(24 respondents: 28.6%). It means that they purchased more or less expensive medical aid on their own expenses, which showed statistical significance(P<0.05). 5. If there was any failure of medical aid, 9 respondents(37.5%) answered that they would be serviced from medical companies, and 7 respondents(29.2%) would be serviced from medical aid manufacturers. Most respondents were serviced for their medical aids from related companies. For the question about the causes of dissatisfaction upon repair service, 11 respondents(45.8%) answered that existing service company provided unskilled repair services and other respondents answered that there was no spare part or higher service expenses than they thought. These answers had the statistical significance(P<0.05). However, 20 respondents(79.2%) answered that they were satisfied with the repair service, which means that most respondents are satisfied with the service. In view of the results as described above, it can be concluded that their handicap or disability results from disease or sequelae after traffic accident and most of the affected wear their own medical aid. In the future, it is required that the medical insurance should cover those medical aids, and the service for failed medical aids should be commissioned by technical serviceman to realize customized manufacture and repair service according to different causes so that the handicapped can enjoy more or less comfort and convenience in their daily lives without any extreme difficulty.