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Current Status of Providing Information on Private Health Insurance Sales through Telemarketing
Journal of Insurance and Finance
2008, 19(1),
pp.43-71
Publisher : Korea Insurance Research Institute
Research Area : Business Management
Publisher : Korea Insurance Research Institute
Research Area : Business Management
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The purpose of this study was to examine to what extent insurance telemarketers observed their obligation of informing the insured of necessary information for the direct call insurance products of 19 insurance companies through simulated consultation. The telemarketers who answered the consultation call for our study provided the unfavorable information to the consumers passively, but advertised only superiority to other’s products actively. They seldom questioned the callers on theirs medical history and noticed that telephone subscription needed no contract signature, and explained the withdrawal system of subscription. They informed the callers of their name and contact information passively and were reluctant to send the brochure containing more useful information. By the way, the callers got more detailed information when they asked more information. Results in this paper imply the need for consumer education and may suggest that the third party such as consumer group should moniter providing for telemarketers necessary information of direct call insurance products to consumers
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