Measuring Travel Insurance Literacy: Effect on Trust in Providers and Intention to Purchase

IF 5.5 2区医学 Q2 MATERIALS SCIENCE, BIOMATERIALS ACS Biomaterials Science & Engineering Pub Date : 2024-01-12 DOI:10.1177/00472875231220944

Gonzalo Luna-Cortés, Michael Brady

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Abstract

Recent research suggests that some deficiencies in the insurance industry might be associated with tourists’ lack of knowledge. However, the literature does not present a tool that captures objective knowledge of travel insurance literacy. This research presents a comprehensive, multi-step scale development process resulting in a 15-item scale, which measures objective knowledge about travel insurance terms, regulations, and processes. The results show that travel insurance literacy is associated with trust in sellers. Although no relationship was found between travel insurance literacy and perceived travel risks, these two constructs influence purchase intention. The results also show that there is no relationship between subjective knowledge (self-assessment literacy) and objective knowledge (ratings on the scale). Hence, the research presents a new measurement tool that differs from self-assessment scales prevailing in the tourism literature, opening new opportunities for literacy constructs in the field. Finally, the findings present key managerial implications for the insurance industry.

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衡量旅游保险知识：对供应商信任度和购买意向的影响

最近的研究表明，保险业的一些缺陷可能与游客缺乏相关知识有关。然而，文献并没有提供一种工具来捕捉旅游保险扫盲的客观知识。本研究提出了一个全面、多步骤的量表开发过程，最终形成了一个 15 个项目的量表，用于测量有关旅游保险条款、法规和流程的客观知识。结果表明，旅游保险知识与对卖方的信任有关。虽然旅游保险知识与感知的旅游风险之间没有关系，但这两个因素会影响购买意向。结果还显示，主观知识（自我评估素养）与客观知识（量表评分）之间没有关系。因此，这项研究提出了一种新的测量工具，它不同于旅游文献中普遍使用的自评量表，为该领域的素养构建提供了新的机遇。最后，研究结果为保险业提供了重要的管理启示。

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来源期刊

ACS Biomaterials Science & Engineering Materials Science-Biomaterials

CiteScore

10.30

自引率

3.40%

发文量

413

期刊介绍： ACS Biomaterials Science & Engineering is the leading journal in the field of biomaterials, serving as an international forum for publishing cutting-edge research and innovative ideas on a broad range of topics: Applications and Health – implantable tissues and devices, prosthesis, health risks, toxicology Bio-interactions and Bio-compatibility – material-biology interactions, chemical/morphological/structural communication, mechanobiology, signaling and biological responses, immuno-engineering, calcification, coatings, corrosion and degradation of biomaterials and devices, biophysical regulation of cell functions Characterization, Synthesis, and Modification – new biomaterials, bioinspired and biomimetic approaches to biomaterials, exploiting structural hierarchy and architectural control, combinatorial strategies for biomaterials discovery, genetic biomaterials design, synthetic biology, new composite systems, bionics, polymer synthesis Controlled Release and Delivery Systems – biomaterial-based drug and gene delivery, bio-responsive delivery of regulatory molecules, pharmaceutical engineering Healthcare Advances – clinical translation, regulatory issues, patient safety, emerging trends Imaging and Diagnostics – imaging agents and probes, theranostics, biosensors, monitoring Manufacturing and Technology – 3D printing, inks, organ-on-a-chip, bioreactor/perfusion systems, microdevices, BioMEMS, optics and electronics interfaces with biomaterials, systems integration Modeling and Informatics Tools – scaling methods to guide biomaterial design, predictive algorithms for structure-function, biomechanics, integrating bioinformatics with biomaterials discovery, metabolomics in the context of biomaterials Tissue Engineering and Regenerative Medicine – basic and applied studies, cell therapies, scaffolds, vascularization, bioartificial organs, transplantation and functionality, cellular agriculture