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Insurance-based marketing (IBM) is the marketing of products and services as being available for free or at a strongly reduced price due to coverage by clients’ insurance plans. This paper introduces IBM, identifies its main characteristics and presents a theoretical model that can explain IBM’s marketing function. A taxonomy with examples renders more insight into the different formats that IBM takes on in practice. Two studies into the prevalence of IBM for windshield repair and flu vaccination in different countries across the world provide evidence for the prevalence of IBM. Finally, a discussion of the ethical considerations highlights the benefits of IBM for clients’ information provision, but also the risks of higher premiums through the encouragement of moral hazard. Diverse kinds of stakeholders can find value in thinking through their options to include IBM in their marketing mix.

Purpose: The objective of the research is to explore and map the relationship between service effectiveness, quality, and the demand for bank assurance in a particular geographic area, with the aim of providing valuable insights for both banks and insurers operating in that market.   Theoretical framework: Recent literature has provided explicit data about the concerned research that explains about bank service effectiveness as shaping the demand for bancassurance products in India. However, there is still much to investigate and learn about bancassurance products in India, because it is a recent development. Design/Methodology/Approach: The research employs a multi-stage sampling technique to select the sample. To collect data, a stratified random sampling method is used, incorporating a snowball sampling approach. Initially, respondents are targeted through a pilot study. A structured questionnaire is then distributed to a subset of the intended sample population to assess the suitability of the responses in obtaining the necessary information for the subsequent survey questions. The results supported the hypothesis that “Service effectiveness of bancassurance services provided by the retail bank’s branches significantly influences the financial inclusion” The path coefficient indicating the relationship between service effectiveness and financial inclusion is found to be 0.546 which is also significant at 5 % level of significance. Since the path coefficient is positive thus indicating a positive impact on the service effectiveness on the financial inclusion. The R square of the financial inclusion is found to be 29.8 % indicating that the service effectiveness is able to explain the 29.8% of the variance of financial inclusion. Four-fifth (80%) of the sample consists of men and the entire population belongs to the economically weaker section of the society. This provides a comprehensive set of sample populations with the scope of gender and economic disparities being measured in their role in determining the choices of bank customers in accessing financial services.   Findings: Bancassurance identifies as an institutional and organized way out for the marketing of insurance through the established bank branch network. The bancassurance gives banks the plentiful chance to acquire additional income floods of pay, and gains hazard-free pay from such units while advancing clients’ steadfastness and maintenance. The research concluded that constructs in measurement model measuring service quality of the bancassurance services provided by the retail bank branches has composite reliability of above 0.70 (access = 0.896, Financial Inclusion =0.880, responsive- ness=0.862, empathy=0.843, Tangibility = 0.824, price=0.813, assurance=0.766, and reliability=0.754).    Research, Practical & Social implications:  The practical implications of this research lie in its ability to inform strategic decision-making, improve service quality, drive innovation, and promote financial inclusion. From a social perspective, the study contributes to increased financial protection, accessibility, and economic growth, ultimately benefiting both individuals and the broader society in India.   Originality/Value: The originality and value of this research lie in its focused examination of the relationship between banks' service effectiveness and the demand for bancassurance products in the specific context of India. By offering insights and practical implications for the industry, the study contributes to both academic literature and the strategic decision-making process of practitioners in the bancassurance sector.

Purpose The purpose of this paper is to examine the crucial antecedents of satisfaction and loyalty for the insurance industry and discuss how customer satisfaction and loyalty can be increased. Design/methodology/approach A large-scale global survey is conducted among 11,736 insurance customers. To analyze the data, structural equation modeling is used to estimate the influence of the identified antecedents of satisfaction and loyalty. Findings The results reveal a positive relationship between satisfaction and attitudinal loyalty for the insurance industry. In addition, the individual cognitive-based dimensions of anticipated regret and product category knowledge significantly affect satisfaction. Furthermore, co-production and trust both positively affect satisfaction and attitudinal loyalty. Research limitations/implications This study identifies relevant antecedents of satisfaction and attitudinal loyalty for the emerging literature of insurance marketing. Future studies in this domain should examine the influence of additional dimensions which were not part of the present work, such as perceived price fairness, service quality, and switching costs. Practical implications By installing and maintaining efficient two-way communication channels, insurers can decrease customers’ anticipated regret and enhance product category knowledge, which, in turn, can increase customer satisfaction. In addition, frequent and honest communication should be used to build up trust and induce co-production, which positively affect satisfaction and attitudinal loyalty. Originality/value This paper identifies crucial antecedents of satisfaction and attitudinal loyalty for insurance companies. This research is timely, as previous works have largely neglected the idiosyncrasies of the insurance sector.

Un ouvrage pour comprendre les rouages du systeme d'assurance, pour des etudiants BTS.Cet ouvrage au niveau BTS est un referentiel sur les connaissances de base a mobiliser dans le cadre des metiers de l'assurance. Il presente les connaissances necessaires a une comprehension du cadre et du contexte dans lesquels s'inscrivent les travaux qui sont confies a un technicien d'assurance. L'auteur a fait le choix de ne traiter dans cet ouvrage que les aspects economique et managerial de cet environnement. 41 fiches pratiques de structuration des connaissances ; des sujets d'examen pour chaque grand theme a l'exception des themes et sujets de nature juridique ; des exemples de corriges avec plan detaille. Les six themes : L'organisation professionnelle et l'environnement managerial de l'assurance ; Le contexte technique de l'assurance ; L'intervention des pouvoirs publics ; L'importance economique et sociale de l'assurance ; L'evolution recente des marches ; Le marche europeen de l'assurance.Decouvrez, dans ce referentiel, les connaissance de base necessaires aux metiers d'assurance au travers de differentes thematiques axees sur l'environnement economique et managerial.EXTRAITDans un souci de protection toujours plus important des assures, l'Etat a alourdi regulierement la charge des sinistres en responsabilite.La notion de faute a ete elargie et progressivement la responsabilite sans faute fondee sur le risque s'est installee. Cela se voit au travers d'exemples tels que la loi du 19 mai 1998 sur les produits defectueux et la RC produits livres avec l'obligation de securite qui est mise a la charge du producteur ou du fournisseur, et la loi Kouchner du 4 mars 2002.La responsabilite reste fondee sur la notion de faute du praticien en ce qui concerne l'acte medical. Mais desormais les praticiens sont tenus a une obligation d'information meme pour les risques exceptionnels. Les etablissements de sante sont responsables des affections iatrogenes et nosocomiales dont serait victime un malade.La directive europeenne du 21 avril 2004 a ete transposee par la loi du 1er aout 2008. Elle cree une responsabilite environnementale pour les dommages causes a l'environnement et instaure une responsabilite fondee sur le principe pollueur-payeur. Elle oblige ainsi les exploitants a la fois a prevenir les risques et a reparer les prejudices.En conclusion, l'assurance responsabilite civile presente des difficultes dans la mesure ou le risque de responsabilite civile est un risque a developpement long c'est-a-dire qu'il peut s'ecouler un temps important entre la prise du risque et la survenance des evenements aleatoires couverts.A PROPOS DE L'AUTEURMurielle Paulin est courtier en assurances.

This book introduces students to the growing research field of health economics. Rather than offer details about health systems without providing a theoretical context, Health Economics combines economic concepts with empirical evidence to enhance readers' economic understanding of how health care institutions and markets function. The theoretical and empirical approaches draw heavily on the general field of applied microeconomics, but the text moves from the individual and firm level to the market level to a macroeconomic view of the role of health and health care within the economy as a whole. The book takes a global perspective, with description and analysis of institutional features of health sectors in countries around the world. This second edition has been updated to include material on the U.S. Patient Protection and Affordable Care Act, material on the expansion of health insurance in Massachusetts, and an evaluation of Oregon's Medicaid expansion via lottery. The discussion of health care and health insurance in China has been substantially revised to reflect widespread changes there. Tables and figures have been updated with newly available data. Also new to this edition is a discussion of the health economics literature published between 2010 and 2015. The text includes readings, extensive references, review and discussion questions, and exercises. A student solutions manual offers solutions to selected exercises. Downloadable supplementary material is available for instructors. -- Provided by publisher.

Economic theories related to ethical consumer behaviour have for the most part examined the role of external incentives and deterrents, and relatively less focus has been given to the role of internal incentives. This study explores the independent and joint effects of internal rewards and external punishment mechanisms on the likelihood of consumers exhibiting unethical behaviour in insurance fraud (IF) contexts. By utilizing a data set consisting of survey data on over 43 000 consumers across 26 European countries, this study examines the interaction of internal moral values and external deterrents, affecting unethical consumer behaviour. Ordinal regression analysis and binary logistic regression were used to assess the role of internal rewards and external punishment mechanisms in the occurrence of IF. Attitudinal differences towards IF and perceptions of the probability of being caught were used to classify customers and to predict the incidence of IF. Demographic variables were also found to be correlated with IF. Perceptions of ineffectiveness of fraud investigation and detection systems by fraudulent customers significantly influences their likelihood to commit IF.