طراحی مدل تعویق در خرید بیمه‌های تکمیلی درمانی بر مبنای نظریه داده بنیاد
محورهای موضوعی : -مدیریت خدمات بهداشتی و درمانی
احسان محسن زاده شریفی
1
(دانشجوی دکتری رشته مدیریت بازرگانی، واحد رودهن، دانشگاه آزاد اسلامی، رودهن، ایران)
لیلا آندرواژ
2
(استادیار، گروه مدیریت بازرگانی، واحد بین‌المللی خرمشهر – خلیج فارس، دانشگاه آزاد اسلامی، خرمشهر، ایران)
ابراهیم آلبو نعیمی
3
(استادیار، گروه مدیریت بازرگانی، واحد بین‌المللی خرمشهر – خلیج فارس، دانشگاه آزاد اسلامی، خرمشهر، ایران)
کلید واژه: بیمه تکمیلی درمان, تعویق خرید, رفتار مصرف‌کننده, اهمال‌کاری,
چکیده مقاله :
مقدمه: در نگاه کلی اهمال‌کاری یعنی ترک وظایف، یا انجام آن در آخرین لحظه و نیز احساس ناراحتی حاصل از آن.اهمال‌کاری به معنای مشکل داشتن در زمینه شروع و اتمام کارها است. یا به زبانی ساده‌تر می‌توانیم بگوییم که اهمال‌کاری به معنای کار امروز را به فردا انداختن است. هدف این تحقیق ارائه طراحی مدل تعویق در خرید بیمه های درمانی بر مبنای نظریه داده بنیاداست. روش پژوهش: پژوهش حاضر از نظر هدف،کاربردی و از نظر ماهیت پژوهشی کیفی و بر مبنای نظریه داده بنیاد می باشد. در این تحقیق، 14 نفر از خبرگان صنعت بیمه و 18 نفر از مشتریان این صنعت در مصاحبه‌ها و جلسات گروه کانونی شرکت داده شدند. داده‌های گردآوری‌شده، با استفاده از نرم‌افزار MaxQDA در سه مرحله کدگذاری شدند. یافتهها:یافتهها نشان می‌دهند که برای سنجش رفتار اهمال‌کاری در بیمه از سه شاخص می‌توان استفاده نمود که عبارتند از تعویق خرید بیمه غیراجباری انتخاب‌شده، تعویق خرید بیمه اجباری و تعویق پرداخت اقساط بیمه خریداری‌شده. بستر حاکم شامل افزایش میانگین سنی جامعه، شکاف طبقاتی و مشکلات اقتصادی است و تأثیر عوامل مداخله‌گری مثل تغییر کارکرد بیمه از ریسک پوشانی به سرمایه‌گذاری، بی‌اعتمادی به شرکت‌های بیمه و نا اطمینانی عمومی را نام برد. نتیجه‌گیری: با توجه به نتایج بدست آمده مشخص گردید که سه عامل روان‌شناختی، اخلاقی و دانشی موجب شکل‌گیری رفتار اهمال‌کاری در خریداران بیمه های تکمیلی درمانی می‌گردد.
Introduction: In general, procrastination means leaving work, or doing it at the last minute, and feeling uncomfortable with it. Procrastination means having trouble getting things started and done. Or, to put it simply, procrastination means postponing today's work to tomorrow. The purpose of this study is to design a model for procrastination in purchasing health insurance based on data theory. Methods: The present research is applied in terms of purpose and qualitative in terms of research nature and based on data theory. In this study, 14 insurance industry experts and 18 industry clients participated in interviews and focus group meetings. The collected data were encoded in three steps using MaxQDA software. Results: In the open coding section, 383 sentences were coded separately and the highest repetition of comments with 31 cases was related to the factor of distrust in insurance companies. The findings show that three types of psychological, ethical and knowledge factors affect procrastination in insurance. To measure the behavior of procrastination in insurance, three indicators can be used, which are the postponement of the purchase of selected non-compulsory insurance, the postponement of the purchase of compulsory insurance and the postponement of the payment of purchased insurance installments. Conclusion: According to the results, it was found that three psychological, ethical and cognitive factors cause the formation of procrastination behavior in buyers of supplementary health insurance.
1- Fayazi M, Kaveh M. Delay; Farda Syndrome, Journal of Tadbir, 2010; 205: 45-48.
2- Shavitt S & Barnes AJ. Cross- cultural consumer psychology. Society for Consumer Psychology Review, 2018; 2: 70-84).
3- Elias RZ. Procrastination and Its Relationship with Business Students’ Cheating Perceptions. American Journal of Business Education, 2020; 13(1): 8.
4- Alexander E, Onwuegbuzie A. Academic procrastination and the Role of Hope as a Coping Strategy. Personality and Individual Differences, 2007; 42: 1301–1310.
5- Balkıs M. Öğretmen Adaylarının Davranışlarındaki Erteleme Eğiliminin, Düşünme ve Karar Verme Tarzları İle İlişkilerinin İncelenmesi, Yayınlanmamış Doktora Tezi. Dokuz Eylül Üniversitesi Eğitim Bilimleri Enstitüsü, İzmi, 2006.
6- Ferrari JR, Driscoll M & Díaz-Morales JF. Examining the Self of Chronic Procrastinators: Actual, Ought, and Undesired Attributes. Individual Differences Research, 2007; 5(2): 9.
7- Howell A & Watson DC. Procrastination: associations with achievement goal orientation and learning strategies. Personality and Individual Differences, 2007; 18: 127–133.
8- Schouwenberg HC. Procrastination in academic setting: General introduction. In counseling the procrastinator in academic setting, Schouwenberg, H. C. Lay, T. A. Pychyl, & J. R. Ferrari, eds. Washington, DC: APA, 2008.
9- Solomon LJ & Rothblum ED. Academic procrastination: Frequency and cognitive-behavioral correlates. Journal of Counseling Psychology,1984; 31: 503-509.
10- Milgram N, Mey-Tal G & Levison Y. Procrastination, generalized or specific, in college students and their parents. Personality and Individual Differences, 1998; 25: 297-316.
11- Çapan BE. Relationship among perfectionism, academic procrastination and life satisfaction of university students. Procedia Social and Behavioral Sciences, 2020; 5: 7.
12- Haggard D L, Veiga S PdM & LaPreze MW. Should we talk? Co-rumination and conversation avoidance in job search. Career Development International, 2017; 22(7): 742-753.
13- Wang Y and Li X. Procrastination of travel: The effect of crowdedness, Journal of Hospitality & Tourism Research; 2019: 1-14.
14- Loewenstein G, Friedman JY, McGill B, Ahmad S, Linck S, Sinkula S & Madrian BC. Consumers’ misunderstanding of health insurance. Journal of Health Economics, 2013; 32(5): 850-862.
15- Kunreuther H and Slovic P. ‘Economics, Psychology and Protective Behavior,’ American Economic Review, 1978; 68: 64–69.
16- Coe NB, Skira MM & Van Houtven CH. Long-term care insurance: Does experience matter? Journal of health economics, 2015; 40: 122-131.
17- Gottlieb D & Mitchell OS. Narrow framing and long-term care insurance (No. w21048). National Bureau of Economic Research; 2015.
18- McGarry BE, Tempkin-Greener H, Grabowski DC, Chapman BP & Li Y. Consumer Decision-Making Abilities and Long-Term Care Insurance Purchase. The Journals of Gerontology: Series B; 2017.
19- Allaire BT, Brown DS & Wiener JM. Who Wants Long-Term Care Insurance? A Stated Preference Survey of Attitudes, Beliefs, and Characteristics. INQUIRY: The Journal of Health Care Organization, Provision, and Financing; 2016.
20- Krueger AB & Kuziemko I. The demand for health insurance among uninsured Americans: Results of a survey experiment and implications for policy, Journal of Health Economics, Elsevier, 2013; 32(5): 780-793.
21- Costa-Font J & Rovira-Forns J. Who is willing to pay for long-term care insurance in Catalonia? Health Policy, 2008: 86(1): 72-84.
22- Braun A, Schmeiser H & Schreiber F. On consumer preferences and the willingness to pay for term life insurance. European Journal of Operational Research, 2016; 253(3): 761-776.
23- Nair G & Anuradha Sathiyaseelan. Academic procrastination: adaptive or self harming behaviour. Research Journal of Social Science & Management, 2018; 7(12): 8.
24- Ferrari JR. Still procrastinating? The no regrets guide to getting it done. Hoboken, New Jersey: John Wiley & Sons, Inc; 2010.
25- Wieland LM, Grunschel C, Limberger MF, Schlotz W, Ferrari JR & Ebner-Priemer UW. The Ecological Momentary Assessment of Procrastination in Daily Life: Psychometric Properties of a Five-item Short Scale. North American Journal of Psychology; 2018.
26- Bäulke L, Eckerlein N & Dresel M. Interrelations between motivational regulation, procrastination and college dropout intentions. The menteel; 2018: 1-19.
27- Baker JA. Procrastination as Vice. Andreou - chapter-00 Page Proof; 2009: 1-18.
_||_1- Fayazi M, Kaveh M. Delay; Farda Syndrome, Journal of Tadbir, 2010; 205: 45-48.
2- Shavitt S & Barnes AJ. Cross- cultural consumer psychology. Society for Consumer Psychology Review, 2018; 2: 70-84).
3- Elias RZ. Procrastination and Its Relationship with Business Students’ Cheating Perceptions. American Journal of Business Education, 2020; 13(1): 8.
4- Alexander E, Onwuegbuzie A. Academic procrastination and the Role of Hope as a Coping Strategy. Personality and Individual Differences, 2007; 42: 1301–1310.
5- Balkıs M. Öğretmen Adaylarının Davranışlarındaki Erteleme Eğiliminin, Düşünme ve Karar Verme Tarzları İle İlişkilerinin İncelenmesi, Yayınlanmamış Doktora Tezi. Dokuz Eylül Üniversitesi Eğitim Bilimleri Enstitüsü, İzmi, 2006.
6- Ferrari JR, Driscoll M & Díaz-Morales JF. Examining the Self of Chronic Procrastinators: Actual, Ought, and Undesired Attributes. Individual Differences Research, 2007; 5(2): 9.
7- Howell A & Watson DC. Procrastination: associations with achievement goal orientation and learning strategies. Personality and Individual Differences, 2007; 18: 127–133.
8- Schouwenberg HC. Procrastination in academic setting: General introduction. In counseling the procrastinator in academic setting, Schouwenberg, H. C. Lay, T. A. Pychyl, & J. R. Ferrari, eds. Washington, DC: APA, 2008.
9- Solomon LJ & Rothblum ED. Academic procrastination: Frequency and cognitive-behavioral correlates. Journal of Counseling Psychology,1984; 31: 503-509.
10- Milgram N, Mey-Tal G & Levison Y. Procrastination, generalized or specific, in college students and their parents. Personality and Individual Differences, 1998; 25: 297-316.
11- Çapan BE. Relationship among perfectionism, academic procrastination and life satisfaction of university students. Procedia Social and Behavioral Sciences, 2020; 5: 7.
12- Haggard D L, Veiga S PdM & LaPreze MW. Should we talk? Co-rumination and conversation avoidance in job search. Career Development International, 2017; 22(7): 742-753.
13- Wang Y and Li X. Procrastination of travel: The effect of crowdedness, Journal of Hospitality & Tourism Research; 2019: 1-14.
14- Loewenstein G, Friedman JY, McGill B, Ahmad S, Linck S, Sinkula S & Madrian BC. Consumers’ misunderstanding of health insurance. Journal of Health Economics, 2013; 32(5): 850-862.
15- Kunreuther H and Slovic P. ‘Economics, Psychology and Protective Behavior,’ American Economic Review, 1978; 68: 64–69.
16- Coe NB, Skira MM & Van Houtven CH. Long-term care insurance: Does experience matter? Journal of health economics, 2015; 40: 122-131.
17- Gottlieb D & Mitchell OS. Narrow framing and long-term care insurance (No. w21048). National Bureau of Economic Research; 2015.
18- McGarry BE, Tempkin-Greener H, Grabowski DC, Chapman BP & Li Y. Consumer Decision-Making Abilities and Long-Term Care Insurance Purchase. The Journals of Gerontology: Series B; 2017.
19- Allaire BT, Brown DS & Wiener JM. Who Wants Long-Term Care Insurance? A Stated Preference Survey of Attitudes, Beliefs, and Characteristics. INQUIRY: The Journal of Health Care Organization, Provision, and Financing; 2016.
20- Krueger AB & Kuziemko I. The demand for health insurance among uninsured Americans: Results of a survey experiment and implications for policy, Journal of Health Economics, Elsevier, 2013; 32(5): 780-793.
21- Costa-Font J & Rovira-Forns J. Who is willing to pay for long-term care insurance in Catalonia? Health Policy, 2008: 86(1): 72-84.
22- Braun A, Schmeiser H & Schreiber F. On consumer preferences and the willingness to pay for term life insurance. European Journal of Operational Research, 2016; 253(3): 761-776.
23- Nair G & Anuradha Sathiyaseelan. Academic procrastination: adaptive or self harming behaviour. Research Journal of Social Science & Management, 2018; 7(12): 8.
24- Ferrari JR. Still procrastinating? The no regrets guide to getting it done. Hoboken, New Jersey: John Wiley & Sons, Inc; 2010.
25- Wieland LM, Grunschel C, Limberger MF, Schlotz W, Ferrari JR & Ebner-Priemer UW. The Ecological Momentary Assessment of Procrastination in Daily Life: Psychometric Properties of a Five-item Short Scale. North American Journal of Psychology; 2018.
26- Bäulke L, Eckerlein N & Dresel M. Interrelations between motivational regulation, procrastination and college dropout intentions. The menteel; 2018: 1-19.
27- Baker JA. Procrastination as Vice. Andreou - chapter-00 Page Proof; 2009: 1-18.