보험소비자의 지식수준과 영향 요인

Abstract

This study set out to investigate the insurance knowledge level of insured financial consumers and its influential factors and thus propose plans to increase their insurance knowledge level for efficient risk management through insurance. For this purpose, the investigator conducted an online survey with 692 financial consumers currently insured with an insurance product (hereinafter, “insurance consumers”) on February 13∼23, 2018. The main results of this study are as follows. First, the study examined the knowledge level of insurance consumers and found that they scored mean 3.80 points in insurance terms, mean 6.28 in insurance products, and mean 12.07 in the stages of purchasing insurance. Their scores were standardized in percentile ranks to assess their relative knowledge level in each subarea. The results reveal that their mean scores were 63.39, 52.37, and 57.50 in insurance terms, insurance products, and stages of purchasing insurance, respectively. The findings indicate that the insurance consumers had a high knowledge level in insurance terms and a low knowledge level in insurance products. As for the stages of purchasing insurance, their knowledge level was the highest in cancelation and revival(60.12), which was followed by purchase of insurance(58.30), termination of contract(56.00), and term of contract(55.49) in the order. These results show that they had the weakest knowledge about the term of contract in the stages of purchasing insurance. Their knowledge as insurance consumers, which was the mean of added scores across the three subareas, was mean 57.75 out of 100, which was a little bit above the middle level.Secondly, the study examined factors influencing the knowledge level of the insurance consumers and found that their knowledge level as insurance consumers was high when they were older, had an occupation in management/professional areas/office jobs, had a spouse, earned higher mean monthly income, and purchased insurance for risk management.