A Feasibility Study of Applying the E-Insurance In Presenting the Existing Insurance Products

Subject Areas : مدیریت

Asghar  Sarrafizadeh ¹ (دانشکده علوم انسانی، دانشگاه آزاد اسلامی واحد علوم و تحقیقات، تهران، ایران)
vahideh  alipour ² (دانشکده مدیریت و حسابداری، دانشگاه آزاد اسلامی قزوین، ایران (عهده¬دار مکاتبات))

Received: 2010-10-29 Accepted : 2011-06-28 Published : 2011-08-23

Keywords: Electronic Insurance, Feasibility study, Operational feasibility, Technical feasibility, Cultural feasibility, Legal feasibility,

Abstract :

The commercial exchanges between people, companies, people and companies, people and companies with governments, and so on  is increasing rapidly. There is an obvious shift from using paper documents to exchanges using electronic information. The e- commerce is considered as a viable alternative due to its speed, efficiency, and low expenses. The insurance industry as one of the most dynamic business activities is not an exception. Information technology has various effects on different activities in the insurance industry. It gives flexibility to it, changes its system and enhances its movement beyond the existing limitations and traditional regulations. One of the implications of information and communication technology in insurance industry is the electronic insurance. The e- insurance in its general view intends to provide facilities for customers to get access to the insurance services through a safe intermediary phase and without physical attendance. The main issue in this study is the feasibility of presenting the existing insurance products through the Internet from operational, cultural, technical, and legal aspects at Parsian, Asia, Alborz, Razi, Tosse, Sina, and Moallem Insurance Companies. The hypotheses of the study were statistically tested using t-student and Wilcoxon tests. The results confirmed that the possibility of presenting the existing insurance products through the Internet from operational, cultural, technical, and legal aspects is still weak.