The Influence of Health Insurance Sales Strategy, Corporate Branding, and Risk Management on the Decision to Choose BRI Life Products: The Mediating Role of Customer Satisfaction
Abstract
The purpose of this study is to examine and analyze the influence of health insurance sales strategies, corporate branding, and risk management on the decision to choose health insurance products, with customer satisfaction as a mediator. The research population for this study is BRI Life customers in the Jabodetabek area, with a total population of 9.90 million policies. The sample size is 119 respondents. The sampling technique used non-probability sampling with the purposive sampling method. The data analysis method used is the Partial Least Squares-Structural Equation Modeling (PLS-SEM) model. The research results indicate that health insurance sales strategy and corporate branding do not significantly affect customer satisfaction, while risk management does. Health insurance sales strategy and customer satisfaction significantly influence the decision to choose a product, but not corporate branding and risk management. Customer satisfaction does not significantly mediate the relationship between health insurance sales strategy and corporate branding, while it does for risk management.
Downloads
References
Aaji.or.id. (2023). Kesadaran Masyarakat akan Asuransi Meningkat di Tahun 2023. https://www.aaji.or.id/Articles/kesadaran-masyarakat-akan-asuransi-meningkat-di-tahun-2023
Afriyani, I., Nurhayati, & Kusumastuti, S. Y. (2023). Faktor- Faktor yang mempengaruhi Keputusan Pembelian terhadap Produk Asuransi Kesehatan. Jurnal Ekonomi Trisakti, 3(1), 291–302. https://doi.org/10.25105/jet.v3i1.15407
Andrews, J. C., & Shimp, T. A. (2018). Advertising, Promotion, and other Aspects of Integrated Marketing communications (10th ed.). https://doi.org/10.1300/J057v01n01_07
Andriani, N. D., Mulyantomo, E., & Widowati, S. Y. (2021). Strategi Penjualan Aneka Jajanan Tradisional. Universitas Semarang, 19(4), 253–266.
Boakye, A. A., Ankrah, D. A., Agyei-Holmes, A., Baidoo, I., & Sarpong, D. B. (2024). Indigenous Risk Management Practices and their Effects on Small Agribusiness Firm Growth Amid Economic Crisis in Ghana. Scientific African. https://doi.org/10.1016/j.sciaf.2024.e02095
Chaffey, D., & Smith, P. (2017). Digital Marketing Excellence: Planning, Optimizing and Integrating Online Marketing.
Databoks.katadata.co.id. (2023). Rekor Baru, 72% Penduduk Indonesia Punya Jaminan Kesehatan pada 2023. https://databoks.katadata.co.id/datapublish/2023/12/21/rekor-baru-72-penduduk-indonesia-punya-jaminan-kesehatan-pada-2023
Dedy, A., Wulandari, S., Mubarok, A., Noor, C. M., & Sukajie, B. (2023). Personal Selling, Kepercayaan, Kualitas Pelayanan serta Pengaruhnya terhadap Keputusan Pembelian (Studi Kasus PT. Wanaartha Life Cabang Bandung). Jurnal Sains Manajemen, 5(2). https://ejurnal.ars.ac.id/index.php/jsm/index
Farid, & Faridha, S. (2017). Pengaruh Corporate Branding terhadap Keputusan Pembelian dengan Ekuitas Merek sebagai Variabel Mediasi pada Rumah Sakit Ibu dan Anak Kota Banda Aceh. Jurnal Manajemen Dan Inovasi, 8(2), 134–156. https://doi.org/10.1057/bm.1997.10
Firmansyah, M. A. (2018). Perilaku Konsumen. Deepublish. https://doi.org/10.31227/osf.io/pfjhz
Garg, P., Raj, R., Kumar, V., Singh, S., Pahuja, S., & Sehrawat, N. (2023). Elucidating the Role of Consumer Decision Making Style on Consumers Purchase Intention: The Mediating Role of Emotional Advertising using PLS-SEM. Journal of Economy and Technology, 108–118. https://doi.org/10.1016/j.ject.2023.10.001
Ginting, R. W. E., & Sudibyo, A. (2024). Strategi Personal Selling PT Asuransi Umum Mega dalam Meningkatkan Jumlah Nasabah. Nusantara Journal of Multidisciplinary Science, 2(1), 137–146.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2022). A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM).
Hanafiah, H. (2022). Pengukuran Kualitas Pelayanan menggunakan Metode Servqual serta Implikasinya terhadap Corporate Branding PT. Prolab Medika Kota Serang. 2(2), 215–224.
Harahap, N. (2020). Penelitian Kualitatif. Wal Ashri Publishing. https://id1lib.org/book/11700142/76e0b9
Hua, X., Hasan, N. A. M., Costa, F. De, & Qiao, W. (2024). The Mediating Role of Electronic Word of Mouth in the Relationship between CSR Initiative and Consumer Satisfaction. Heliyon, 10. https://doi.org/10.1016/j.heliyon.2024.e35027
Iglesias, O., Mingione, M., Ind, N., & Markovic, S. (2023). How to Build a Conscientious Corporate Brand Together with Business Partners: A Case Study of Unilever. Industrial Marketing Management, 1–13. https://doi.org/10.1016/j.indmarman.2022.12.008
Keller, K. L. (2013a). Strategic Brand Management. In Strategic Brand Management (4th ed.). https://doi.org/10.1093/hebz/9780198797807.001.0001
Keller, K. L. (2013b). Strategic Brand Management: Building, Measuring, and Managing Brand Equity (4th ed.). Pearso. https://doi.org/10.1057/bm.1998.36
Kompas.com. (2023). Tiga Pakar Ini Sebut Branding Jadi Elemen Penting untuk Perusahaan Asuransi. https://biz.kompas.com/read/2023/11/24/152052728/tiga-pakar-ini-sebut-branding-jadi-elemen-penting-untuk-perusahaan-asuransi
Kotler, P., & Armstrong, G. (2018). Principles of Marketing.
Kotler, P., & Keller, K. L. (2016). Marketing Management (15th ed.). Pearson. https://doi.org/10.1080/08911760903022556
Kurniawan, A. W., & Puspitaningtyas, Z. (2016). Metode Penelitian Kuantitatif. Pandiva. https://kuliahfreddy.files.wordpress.com/2019/04/metode-penelitian-kuantitatif.pdf
Laulita, N. B., Ong, T., Verandi, R., Yodiputrea, J., Elida, S., & Chrysti, A. V. (2022). Analisa Manajemen Resiko Pada Bisnis K-One Family Karaoke Yang Berkaitan Dengan Pemasaran Yang Diterapkan. YUME: Journal of Management, 5(3), 29–35. https://doi.org/10.37531/yume.vxix.456
Mawey, T. C., Tumbel, A. L., & Ogi, I. W. J. (2018). Pengaruh Kepercayaan dan Kualitas Layanan terhadap Kepuasan Nasabah PT Bank Sulutgo. Jurnal EMBA, 6(3).
Peter, P. J., & Olson, J. C. (2010). Consumer Behavior & Marketing Strategy. In Mc Graw (9th ed.). McGraw. https://id1lib.org/book/1226202/2c0918
Putra, B. B. B., Trianasari, & Telagawathi, N. L. W. S. (2024). Pengaruh Personal Selling dan Digital Marketing terhadap Keputusan Pembelian Polis Asuransi PT BNI Life Insurance Cabang Denpasar. Management Studies and Entrepreneurship Journal (MSEJ), 5(1), 2747–2759. https://journal.yrpipku.com/index.php/msej/article/view/4320
Sidik, S., & Wahyuari. (2022). Manajemen Risiko Sistem Informasi Ujian Secara Daring Di Sekolah Tinggi Manajemen Asuransi Trisakti. Jurnal Green Growth Dan Manajemen Lingkungan, 12(1), 84–97. https://doi.org/10.21009/10.21009/jgg.v12i1.06
Sikapiuangmu.ojk.go.id. (2024). Polis asuransi. Sequis. https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Home
Sulo, R., Putra, P., Darmawansah, Tijjang, B., & Ali, S. M. (2024). Studi Pengaruh Personal Selling dan Digital Marketing terhadap Tingkat Kepuasan Nasabah di PT. Bank Mandiri Taspen KCP Parepare. 10(4), 262–271.
Widharta, W. P., & Sugiharto, S. (2013). Penyusunan Strategi dan Sistem Penjualan dalam Rangka Meningkatkan Penjualan Toko Damai. Manajemen Pemasaran Petra, 2(1), 1–15. https://www.neliti.com/id/publications/134744/penyusunan-strategi-dan-sistem-penjualan-dalam-rangka-meningkatkan-penjualan-tok




