New Service Concepts for Selecting and Evaluating Insurance Cover within the Electronic Environment

Jouni Kivistö-Rahnasto, Aki Ahonen, Jarno Salonen

Research output: Contribution to conferenceConference articleScientific

Abstract

Insurance is characterised as complex service constituting elements that are difficult for the customers to understand. Concurrently with insurance, customers should also apply a variety of safety measures in order to prevent accidents from occurring. Therefore, customers need new insurance service concepts that help them to manage their personal risks. Risk management and the service concept theory together with the Internet have opened new possibilities to re-engineer traditional insurance services. The aim of this study is to develop interactive Web-based service concepts helping the customer to understand the complex nature of insurance and guiding customers to prevent accidents. This paper will introduce the "Insurance service life cycle" -concept, the "eInsurance" - insurance selector and cover evaluator service, and the "Safety advisor" -draft concept. The introduced service concepts are expected to enrich and help in the process of developing new insurance services in practice. In addition, they increase knowledge about the Web-based personal risk management and Web-service engineering.
Original languageEnglish
Number of pages16
Publication statusPublished - 2006
MoE publication typeNot Eligible
EventFourth International Conference on Occupational Risk Prevention - Seville, France
Duration: 10 May 200612 May 2006

Conference

ConferenceFourth International Conference on Occupational Risk Prevention
CountryFrance
CitySeville
Period10/05/0612/05/06

Keywords

  • safety
  • insurance
  • service concept
  • risk management

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    Kivistö-Rahnasto, J., Ahonen, A., & Salonen, J. (2006). New Service Concepts for Selecting and Evaluating Insurance Cover within the Electronic Environment. Paper presented at Fourth International Conference on Occupational Risk Prevention, Seville, France. http://www.vtt.fi/inf/julkaisut/muut/2006/New_Service_Concepts.pdf