Doğum Teminatı Sigortası Tercihinde Hamilelikte Risk Algısının Etkisi: Kadın Tüketiciler Üzerine Bir Araştırma

Year 2020, Issue: 14, 26 - 43, 28.08.2020

Alişan Baltacı

Abstract

Bu çalışmanın amacı; hamilelikte risk algısının, tamamlayıcı sağlık sigortası türlerinden biri olan doğum teminatı sigortası tercihine etkisi üzerine bir ölçme aracının ortaya konulmasıdır. Bu sebeple nicel bir veri formu oluşturularak çevrimiçi olarak dağıtılmış ve 472 kişiden gönüllülük esasına göre veri toplanmış olup; frekans, faktör, doğrulayıcı faktör ve güvenilirlik analizleri uygulanmıştır. Uygulanan analiz neticesinde 4 boyut ve 14 maddeden oluşan, yapı geçerliliğine ve yüksek güvenilirlik seviyesine sahip bir ölçme aracı elde edilmiştir. Ayrıca elde edilen verilere göre kadınların doğum teminatı sigortası satın alarak kendilerini daha güvende hissedecekleri ve hamilelik süreçlerini daha sorunsuz geçireceklerini düşündükleri anlaşılmaktadır.

Keywords

Doğum teminatı, doğum sigortası, algılanan risk, hamilelik, kadın tüketiciler

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