智能+保险产品购买决策模型分析

Fitry Primadona, U. Sumarwan, M. Najib
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引用次数: 0

摘要

本研究的目的是:1)分析Smart Plus保险产品购买决策模型;2)确定Smart Plus购买决策模型中的标准、子标准和备选优先级。本研究采用的方法包括问卷调查和访谈(深度访谈),采用AHP分析法和“专家选择”处理软件。第一次分析的结果表明了已经执行的四种营销组合(价格、产品、过程和地点);第二项调查显示,购买Smart Plus产品的兴趣程度依次为:福利(36.3%)、溢价(35.7%)、会员流程(14.6%)、供应商(13.4%)。第二次分析的结果揭示了重要的子标准,包括溢价、额外福利、会员卡和医疗专家的临时证书。关键词:层次分析法,寿险,营销组合,购买决策
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AN ANALYSIS ON THE DECISION MODEL OF SMART PLUS INSURANCE PRODUCT PURCHASE
The purposes of this study were 1) to analyze the decision model of Smart Plus insurance product purchase and 2) to determine the criteria, sub-criteria, and alternative priorities in Smart Plus purchase decision model. The methods utilized in the study included a survey and interview (in-depth interview) by using an AHP analysis (Analytical Hierarchy Process) and processing software of "Expert Choice". The result of the first analysis indicated the four marketing mixes that had been performed (Price, Product, Process, and Place); while the second one showed that the purchase of Smart Plus product is based on the factors with the level of interest as follow: benefit (36.3%), premium (35.7%), membership process (14.6%), and provider (13.4%). The result of the second analysis revealed the important sub-criteria including premium offer, additional benefits, membership card, and temporary certificate from the medical specialist. Keywords: AHP, life insurance, marketing mix, purchase decision
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