Peran Persepsi Individu Terhadap Asuransi dan Model Kepercayaan Kesehatan dalam Pengambilan Keputusan Menggunakan Asuransi Jiwa

Abstract

The use of health insurance is highly related with a person’s life depending on the perception of an individual and health belief model they own. Perception and health belief model bear an important role in determining how a person percieve their future especially related to health and older age well-being. One alternative in promising older age well being and health is through health insurance. This research was aimed to determine the role of individual perception upon insurance and health belief model in decision making process using life insurance. The method of this research is using quantitative method. The subjects of this research were the individuals using life insurance. The total subject in this research is 90 whom were selected using cluster random sampling. For hypothesis, the data was analyzed using multiple regression. The result of multiple regression analysis in this study is 0.764. Relative contribution of perception variable is 98.38% and the health belief model variable is 1.61%. Effective contribution of perception variable is 57.45% and the health belief model variable is 0.94%. This results show that there is a relation between the role of individual perception upon insurance and health belief model in decision making process using life insurance. However, when the data was analyzed using partial correlation, only individual perception of insurance variable has a relation with decision making variable. Keyword : Perception, Health Belief Model, Life Insurance

The Relationship of Knowledge About Covid-19 With Community Perceptions of the Covid-19 Vaccination Program

“…This process does not just stop, but the stimulus is continued and the next process is a perception process. Therefore the perception process cannot be separated from the sensing process, which is a preliminary process of the perception process (Ari & Astiti, 2014) Table 3 above shows that most of the respondents have a positive perception (90.6%) and most of the respondents have good knowledge (90.6%). correlation ρ = 0.000 means that there is a relationship between knowledge about Covid-19 and the perception of the Covid-19 vaccination program in the community in Sumari Village, Duduksampeyan District, Gresik.…”

“…Perception is a process of recognizing or identifying something using the five senses (Ari & Astiti, 2014). perception is the essence of communication.…”

“…That is, accuracy in perceiving sensory stimuli leads to successful communication. On the other hand, failure to perceive the stimulus causes miscommunication (Ari & Astiti, 2014). One of the factors that influence a person's perception is education.…”

Relasi Pertukaran Sosial antara Agen dan Nasabah Asuransi di Indonesia

“…Beberapa penelitian sebelumnya telah meninjau dinamika jasa profesional dan asuransi dari berbagai perspektif, seperti value creation (Hirvonen & Helander, 2001;Howden & Pressey, 2008); persepsi (Ari & Astiti, 2014); demografi (Loke & Goh, 2013;Yusuf dkk., 2009); bauran pemasaran (Marwa dkk., 2014); kualitas layanan (Darwin & Yohanes, 2014); dan keraguan nasabah (Pugnetti & Bekaert, 2018) yang melibatkan negara-negara seperti Finlandia, Swiss, Amerika Serikat, Nigeria, Malaysia dan Indonesia. Namun, penelitian yang secara eksplisit menerangkan tentang pertukaran sosial antara agen dan nasabah asuransi masih belum ditemukan.…”

“…Apabila dari awal calon nasabah sudah menunjukkan penolakan atau ketidaksukaan maka akan sulit untuk mengubah keputusannya karena sudah cenderung memiliki kesan negatif yang tertanam terkait asuransi. Temuan ini sejalan dengan Ari & Astiti (2014) bahwa persepsi individu terhadap asuransi mempengaruhi keputusan untuk menggunakan asuransi.…”