UKM - Graduate School of Business, Universiti Kebangsaan Malaysia, Bangi, Malaysia.
Faculty of Entrepreneurship and Business, Universiti Malaysia Kelantan, Kota Bharu, Malaysia.
Front Public Health. 2022 Jul 4;10:907005. doi: 10.3389/fpubh.2022.907005. eCollection 2022.
This study explored the willingness and purchase of travel insurance during the COVID-19 pandemic amongst working adults to ensure their safety and welfare through the lens of the theory of planned behavior. Primary data were gathered from 1,118 working adults across Malaysia and analyzed using the partial least squares structural equation modeling. The study outcomes revealed that attitude toward travel insurance was significantly influenced by insurance literacy, perceived health risk, and health consciousness. The willingness of working adults to purchase travel insurance was highly influenced by attitudes, subjective norms, and perceived behavioral controls but unaffected by perceived product risks. The purchase of travel insurance was positively influenced by the willingness to purchase travel insurance. In fact, travel insurance literacy and perceived health risk should be emphasized amongst working adults to encourage them to purchase travel insurance policies for traveling abroad.
本研究通过计划行为理论探讨了 COVID-19 大流行期间工作成年人购买旅行保险的意愿和购买情况，以确保他们的安全和福利。主要数据来自马来西亚的 1118 名工作成年人，并使用偏最小二乘结构方程模型进行分析。研究结果表明，对旅行保险的态度受保险知识、感知健康风险和健康意识的显著影响。工作成年人购买旅行保险的意愿受态度、主观规范和感知行为控制的高度影响，但不受感知产品风险的影响。购买旅行保险受购买旅行保险意愿的积极影响。事实上，应该强调旅行保险知识和感知健康风险，以鼓励工作成年人购买旅行保险，以便出国旅行。
