Urban Šebjan (Author), Polona Tominc (Author)

Abstract

Background and Purpose: An increasing number of insurance companies and the intensity of competition in this field require research on customer perceptions of the components of insurance services and insurance company. The objective of this study was to examine the conceptual model and to study the relationships between customer perceptions of the innovation, reputation, adequacy of premium, and adequacy of information about the coverage of insurance services. Design/Methodology/Approach: The research model was tested with structural equation modelling (SEM) with a sample of 200 Slovenian users of insurance services. Results: The results indicated that higher perceived innovation of insurance company was associated with higher perceived reputation of insurance company. In addition, higher perceived reputation of insurance company was associated with higher perceived adequacy of information about the coverage and the premium for insurance services. The study also found that higher perceived adequacy of premium was associated with higher perceived adequacy of information about the coverage of insurance services. Conclusion: The original contribution of this article is also the highlighting of relationship between perceived reputation of insurance company, perceived adequacy of information about the insurance premium and perceived adequacy of information about the coverage of insurance services.

Keywords

insurance services;innovation;reputation;premium;insurance coverage;

Data

Language: English
Year of publishing:
Typology: 1.01 - Original Scientific Article
Organization: UM EPF - Faculty of Economics and Business
UDC: 368
COBISS: 11877660 Link will open in a new window
ISSN: 1318-5454
Parent publication: Organizacija
Views: 825
Downloads: 493
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Other data

Secondary language: Slovenian
Secondary title: Odnos med komponentami zavarovalniških družb in kakovostjo njihovih storitev
Secondary abstract: Namen - Povečevanje števila zavarovalnic in intenzivnost konkuriranja na trgu zahteva raziskovanje uporabnikovega zaznavanja komponent zavarovalnih storitev in zavarovalnic. Cilj študije je bil proučiti konceptualni model in odnose med uporabnikovim zaznavanjem inovativnosti zavarovalnice, ugleda zavarovalnice, ustreznosti informacij o zavarovalni premiji in ustreznosti zavarovalnega kritja zavarovalnih storitev. Metodologija - Raziskovalni model je bil testiran s pomočjo modeliranja s strukturnimi enačbami, na osnovi vzorca 200 slovenskih uporabnikov zavarovalnih storitev. Rezultati - Rezultati raziskave so pokazali, da višja kot je zaznana inovativnost zavarovalnice, višji je zaznani ugled zavarovalnice. Ugotovili smo tudi, da se višji zaznani ugled zavarovalnice odraža v višji zaznani ustreznosti informacij o zavarovalnem kritju in zavarovalni premiji zavarovalnih storitev. Študija je še pokazala, da višja kot je zaznana ustreznost informacije o zavarovalni premiji, višja je zaznana ustreznost informacij o zavarovalnem kritju zavarovalnih storitev . Sklepne ugotovitve - Izvirnost znanstvenega prispevka se kaže v obravnavanju odnosa med zaznanim ugledom za - varovalnice, zaznano ustreznostjo informacij o zavarovalni premiji in zaznano ustreznostjo informacij o zavarovalnem kritju zavarovalnih storitev.
Secondary keywords: zavarovalništvo;storitve;inovativnost;zavarovalne premije;
URN: URN:NBN:SI
Type (COBISS): Scientific work
Pages: str. 231-244
Volume: ǂVol. ǂ47
Issue: ǂno. ǂ4
Chronology: nov. 2014
DOI: 10.2478/orga-2014-0021
ID: 9599684