New IJM now accepts submissions exclusively via the Editorial Scholar portal — a dedicated submission & review system.
Go to Editorial Scholar →
Associated Management Consultants Pvt. Ltd. | COPE Member · ID: JM07589
Scopus Q3 UGC-CARE ABDC: C |
Indian Journal of Marketing logo

Indian Journal of Marketing

ISSN: 0973-8703 Frequency: Monthly Peer Review: Double-blind Published since: 1968 Language: English
A publication of AMCPL
amcon.co.in
New Delhi, India
Indexed in: Scopus Q3 UGC-CARE Group II ABDC: C Google Scholar J-Gate NAAS NISCAIR Crossref

Original Article

Open Access Original Article

Relational Selling, Relationship Quality, and Future Behavioural Intentions in the Health Insurance Industry

Shivaprasad Rai1Savitha Basri2

1 PG Student, School of Management, Manipal Academy of Higher Education, Manipal - 576 104, Karnataka

2 Director and Professor, TAPMI School of Business, Manipal University Jaipur, Jaipur - 303 007, Rajasthan

Volume 49
Issue 9
Pages 57–68
Year 2019
Received: March 10, 2019 Accepted: Aug. 22, 2019 Published: Sept. 30, 2019
Abstract

The convoluted nature of health insurance necessitates sharing of complete, accurate, and timely information to assist the customers to make suitable product choices. The insurance agents should capitalize their technical expertise by carrying out need analysis and engage in relational selling behaviour (RSB) to enhance relationship quality (RQ), namely Trust and Satisfaction. The Future Behavioural Intentions (FI) of customers manifested in repurchase intentions and willingness to recommend rely on Trust and Satisfaction with agents' services. After identifying the literature gap in explicating the effect of RSB on RQ and ultimately on FI, this study was carried out in Karnataka using descriptive cross-sectional survey methodology. The data from customers were collected using established scales, and the data were analyzed by applying partial least square structural equation modelling. The results indicated that customer orientation directly influenced Trust and FI; whereas, information sharing enhanced Trust and Satisfaction, and thereby affected FI. Therefore, insurance companies should stress on customer-orientation and disclosure of relevant information and focus on building a high-quality agent-buyer relationship that would ensure renewal of policies and positive word of mouth.

Keywords Agents Health Insurance Customer Information Relationship Quality Selling Behaviour Future Intentions
How to Cite

Shivaprasad Rai, Savitha Basri (2019). Relational Selling, Relationship Quality, and Future Behavioural Intentions in the Health Insurance Industry. Indian Journal of Marketing, 49(9), 57–68. https://doi.org/10.17010/ijom/2019/v49/i9/146940

References
  1. Aziz, M.T., & Noor, N.A.M. (2013). Evaluating the effect of cost related factors on relationship quality-An investigation of retailer-supplier relationship in Bangladesh. International Journal of Retail and Distribution Management, 41(7), 545-558. <a href=http://dx.doi.org/ 10.1108/IJRDM-05-2013-0098 target="_blank">http://dx.doi.org/ 10.1108/IJRDM-05-2013-0098</a>
  2. Berger, J., & Schwartz, E.M. (2011). What drives immediate and ongoing word of mouth ? Journal of Marketing Research, 48 (5), 869-880. <a href=http://dx.doi.org/10.1509/jmkr.48.5.869 target="_blank">http://dx.doi.org/10.1509/jmkr.48.5.869</a>
  3. Biggemann, S. (2012). The essential role of information sharing in relationship development. Journal of Business and Industrial Marketing, 27(7), 521-526. <a href=http://dx.doi.org/10.1108/08858621211257284 target="_blank">http://dx.doi.org/10.1108/08858621211257284</a>
  4. Boles, J.S., Barksdale, H.C. Jr., & Johnson, J.T. (2000). How salespeople build quality relationships : A replication and extension. Journal of Business Research, 48 (1), 75-81. <a href=http://dx.doi.org/10.1108/08858620010316840 target="_blank">http://dx.doi.org/10.1108/08858620010316840</a>
  5. Chang, H.H., & Wang, H .- W. (2011). The moderating effect of customer perceived value on online shopping behaviour. Online Information Review, 35 (3), 333-359. <a href=http://dx.doi.org/10.1108/14684521111151414 target="_blank">http://dx.doi.org/10.1108/14684521111151414</a>
  6. Chang, H.H., Lee, C.- H., & Lai, C.- Y. (2012). E-Service quality and relationship quality on dealer satisfaction: Channel power as a moderator. Total Quality Management & Business Excellence, 23(7), 855-873. <a href=http://dx.doi.org/10.1080/14783363.2011.637792 target="_blank">http://dx.doi.org/10.1080/14783363.2011.637792</a>
  7. Chen, C.- F., & Cheng, L.- T. (2012). A study on mobile phone service loyalty in Taiwan. Total Quality Management and Business Excellence, 23(7), 807-819. <a href=http://dx.doi.org/10.1080/14783363.2012.661129 target="_blank">http://dx.doi.org/10.1080/14783363.2012.661129</a>
  8. Chen, M.- F., & Mau, L.- H. (2009). The impacts of ethical sales behaviour on customer loyalty in the life insurance industry. The Service Industries Journal, 29 (1), 59-74. <a href=http://dx.doi.org/10.1080/02642060802116339 target="_blank">http://dx.doi.org/10.1080/02642060802116339</a>
  9. Chen, M.S., & Lai, G.C. (2010). Distribution systems, loyalty and performance. International Journal of Retail and Distribution Management, 38 (9), 698-718. <a href=https://dx.doi.org/10.1108/09590551011062448 target="_blank">https://dx.doi.org/10.1108/09590551011062448</a>
  10. Claro, D.P., & Claro, P.B.O. (2010). Collaborative buyer-supplier relationship and downstream information in marketing channels. Industrial Marketing Management, 39(2), 221-228. <a href=https://dx.doi.org/10.1016/j.indmarman.2009.03.009 target="_blank">https://dx.doi.org/10.1016/j.indmarman.2009.03.009</a>
  11. Crosby, L.A., Evans, K.A., & Cowles, D. (1990). Relationship quality in services selling: An interpersonal influence perspective. Journal of Marketing, 54(3), 68-81. <a href=https://dx.doi.org/10.2307/1251817 target="_blank">https://dx.doi.org/10.2307/1251817</a>
  12. Eisingerich, A.B., & Bell, S.J. (2007). Maintaining customer relationships in high credence services. Journal of Services Marketing, 21(4), 253-262. <a href=https://dx.doi.org/10.1108/08876040710758559 target="_blank">https://dx.doi.org/10.1108/08876040710758559</a>
  13. Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39-50. <a href=https://dx.doi.org/10.12691/jbe-3-3-1 target="_blank">https://dx.doi.org/10.12691/jbe-3-3-1</a>
  14. Gaur, S.S., Xu, Y., Quazi, A., & Nandi, S. (2011). Relational impact of service providers’ interaction behaviour in healthcare. Managing Service Quality, 21(1), 67-87. <a href=https://dx.doi.org/10.1108/09604521111100252 target="_blank">https://dx.doi.org/10.1108/09604521111100252</a>
  15. Giri, A., & Pandey, M. (2016). Relationship marketing as an effective promotional tool of yoga marketing in the urban Indian market : An empirical study. Indian Journal of Marketing, 46 (5), 42-54. <a href=https://dx.doi.org/10.17010/ijom/2016/v46/i5/92488 target="_blank">https://dx.doi.org/10.17010/ijom/2016/v46/i5/92488</a>
  16. Hennig-Thurau, T. (2004). Customer orientation of service employees-Its impact on customer satisfaction, commitment and retention. International Journal of Service Industry Management, 15 (5), 460-478. <a href=https://dx.doi.org/10.1108/09564230410564939 target="_blank">https://dx.doi.org/10.1108/09564230410564939</a>
  17. Hsieh, Y.- C., Roan, J., Pant, A., Hsieh, J.- K., Chen,W.- Y., Lee, M., & Chiu, H.-C. (2012). All for one but does one strategy work for all ? Building consumer loyalty in multi-channel distribution. Managing Service Quality, 22(3), 310-335. <a href=http://dx.doi.org/10.1108/09604521211231003 target="_blank">http://dx.doi.org/10.1108/09604521211231003</a>
  18. India Brand Equity Foundation (2018). Insurance. Retrieved from <a href=https://www.ibef.org/download/Insurance-ReportJune-2018.pdf target="_blank">https://www.ibef.org/download/Insurance-ReportJune-2018.pdf</a>
  19. Jeong, J.S., & Hong, P. (2007). Customer orientation and performance outcomes in supply chain management. Journal of Enterprise Information Management, 20 (5) , 578-594. <a href=http://dx.doi.org/10.1108/17410390710823707 target="_blank">http://dx.doi.org/10.1108/17410390710823707</a>
  20. Kuo, Y.- F., Hu, T.- L., & Yang, S.- C. (2013). Effects of inertia and satisfaction in female online shoppers on repeatpurchase intention: The moderating roles of word-of-mouth and alternative attraction. Managing Service Quality, 23 (3), 168-187. <a href=http://dx.doi.org/10.1108/09604521311312219 target="_blank">http://dx.doi.org/10.1108/09604521311312219</a>
  21. Li, S., & Lin, B. (2006). Accessing information sharing and information quality in supply chain management. Decision Support Systems, 42(3), 1641-1656.
  22. Marinković, V., & Senić, V. (2012). Loyalty patterns in corporate banking: Insights gained from analyzing willingness to recommend and share of wallet concepts. Total Quality Management and Business Excellence, 23(11-12), 1465-1478. <a href=http://dx.doi.org/10.1080/14783363.2012.733265 target="_blank">http://dx.doi.org/10.1080/14783363.2012.733265</a>
  23. Michaels, R.E., & Day, R.L. (1985). Measuring customer orientation of salespeople: A replication with industrial buyers. Journal of Marketing Research, 22 (4), 443-446.
  24. Moliner, M.A., Sánchez, J., Rodríguez, R.M., & Callarisa, L. (2007). Relationship quality with a travel agency: The influence of the post-purchase perceived value of a tourism package. Tourism and Hospitality Research, 7(3/4), 194-211. <a href=http://dx.doi.org/10.1057/palgrave.thr.6050052 target="_blank">http://dx.doi.org/10.1057/palgrave.thr.6050052</a>
  25. Orth, U.R., Bouzdine-Chameeva, T., & Brand, K. (2013). Trust during retail encounters: A touchy proposition. Journal of Retailing, 89 (3), 301-314. <a href=http://dx.doi.org/10.1016/j.jretai.2013.02.002 target="_blank">http://dx.doi.org/10.1016/j.jretai.2013.02.002</a>
  26. Palmatier, R. W., Dant, R. P., Grewal, D., & Evans, K. R. (2006). Factors influencing the effectiveness of relationship marketing : Ameta-analysis. Journal of Marketing, 70 (4), 136-153. <a href=http://dx.doi.org/http://dx.doi.org/10.1509/jmkg.70.4.136 target="_blank">http://dx.doi.org/http://dx.doi.org/10.1509/jmkg.70.4.136</a>
  27. Panigrahi, S.K., Azizan, N.A., & Khan, M.W.A (2018). Investigating the empirical relationship between service quality, trust, satisfaction, and intention of customers purchasing life insurance products. Indian Journal of Marketing, 48(1), 28-46. <a href=https://dx.doi.org/10.17010/ijom/2018/v48/i1/120734 target="_blank">https://dx.doi.org/10.17010/ijom/2018/v48/i1/120734</a>
  28. Pappas, I.O., Pateli, A.G., Giannakos, M.N., & Chrissikopoulos, V. (2014). Moderating effects of online shopping experience on customer satisfaction and repurchase. International Journal of Retail and Distribution Management, 42(3), 187-204. <a href=https://dx.doi.org/10.1108/IJRDM-03-2012-0034 target="_blank">https://dx.doi.org/10.1108/IJRDM-03-2012-0034</a>
  29. Poon, P., Albaum, G., & Chan, P. S.-F. (2012). Management trust in direct selling relationships. Marketing Intelligence and Planning, 30(5), 588-603. <a href=https://dx.doi.org/10.1108/02634501211251070 target="_blank">https://dx.doi.org/10.1108/02634501211251070</a>
  30. Prasad, S., & Sen, S. (2018). Role of conviction in the impact of electronic word of mouth on purchase intention for financial products and services. Indian Journal of Marketing, 48(1), 47-60. <a href=https://dx.doi.org/10.17010/ijom/2018/v48/i1/120735 target="_blank">https://dx.doi.org/10.17010/ijom/2018/v48/i1/120735</a>
  31. Rajaobelina, L., & Bergeron, J. (2009). Antecedents and consequences of buyer-seller RQ in the financial services industry. International Journal of Bank Marketing, 27 (5), 359-380. <a href=https://dx.doi.org/10.1108/02652320910979889 target="_blank">https://dx.doi.org/10.1108/02652320910979889</a>
  32. Roberts, K., Varki, S., & Brodie, R. (2003). Measuring the quality of relationships in consumer services: An empirical study. European Journal of Marketing , 37 (1/2), 169 -196. <a href=https://dx.doi.org/10.1108/03090560310454037 target="_blank">https://dx.doi.org/10.1108/03090560310454037</a>
  33. Shetty, A., & Basri, S. (2017). Sales behavioral intentions of distribution channels in the insurance industry: Asystematic review. Indian Journal of Marketing, 47 (12), 19-35. <a href=https://dx.doi.org/10.17010/ijom/2017/v47/i12/119899 target="_blank">https://dx.doi.org/10.17010/ijom/2017/v47/i12/119899</a>
  34. Tai, Y.M., Ho, C.F., & Wu, W. H. (2010). The performance impact of implementing web-based e-procurement systems. International Journal of Production Research, 48 (18), 5397-5414. <a href=https://dx.doi.org/10.1108/02635571011087446 target="_blank">https://dx.doi.org/10.1108/02635571011087446</a>
  35. Tsao, W.- C., & Hsieh, M.- T. (2012). Exploring how relationship quality influences positive eWOM: The importance of customer commitment. Total Quality Management & Business Excellence, 23(7-8), 821-835. <a href=https://dx.doi.org/10.1080/14783363.2012.661137 target="_blank">https://dx.doi.org/10.1080/14783363.2012.661137</a>
  36. Tseng, L.- M., & Su, W.- P. (2013). Customer orientation, social consensus and insurance salespeople’s tolerance of customer insurance frauds. International Journal of Bank Marketing, 31(1), 38-55. <a href=https://dx.doi.org/10.1108/02652321311292047 target="_blank">https://dx.doi.org/10.1108/02652321311292047</a>
  37. Twing-Kwong, S., Albaum, L.G., & Fullgrabe, L. (2013). Trust in customer-salesperson relationship in China’s retail sector. International Journal of Retail and Distribution Management, 41(3), 226-248. <a href=https://dx.doi.org/10.1108/09590551311306264 target="_blank">https://dx.doi.org/10.1108/09590551311306264</a>
  38. Wong, Y.H., Hung, H., & Chow, W. K., (2007). Mediating effects of relationship quality on customer relationships: An empirical study in Hong Kong. Marketing Intelligence & Planning, 25(6), 581-96. <a href=https://dx.doi.org/10.1108/02634500710819950 target="_blank">https://dx.doi.org/10.1108/02634500710819950</a>
Editorial Scholar

Submit your Research to IJM

Submit your Manuscript → Author Guidelines