The Acceptance of Risks from Purchasing Online Health Insurance in Bangkok after the Covid-19 Outbreak Situation
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Abstract
This article aimed to study factors influencing the acceptance of risks from purchasing online health insurance in Bangkok after the COVID-19 outbreak situation. The samples were 400 people in Bangkok who bought online health insurance. The data collection instrument was online questionnaires. The statistics used to analyze the data were mean, percentage, maximum, minimum, standard deviation, and path analysis.
The research results showed that the acceptance of risks from purchasing online health insurance in Bangkok consisted of 1) perceived usefulness, 2) perceived ease of use, 3) efficiency risk, 4) privacy risk, and 5) time risk. The model was congruent with the empirical data based on the statistical values of Chi-Square Probability = 0.07, Chi-Square Relative = 2.71, GFI = 1.00, RMSEA = 0.08. The model was fitted through the standard in all components. Also, the risk factors influencing the decision to purchase online health insurance are efficiency risk, time risk, and perceived ease of use at the highest level, followed by perceived usefulness at a high level, privacy risk at a moderate level, respectively. Health insurance business operators can use this research to plan strategies that are suitable and meet the needs of customers to purchase online health insurance and will develop the online service system in the future.
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