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      • September 2016 (Revised May 2018)
      • Case

      Zurich Insurance: Zurich Oxygen

      By: Boris Groysberg and Katherine Connolly
      Zurich Insurance was undergoing organizational change after implementing five new people practices focused on manager development, diversity and inclusion, job model and data analytics, recruitment, and talent pipeline. The case “Zurich Insurance: Fostering Key People... View Details
      Keywords: Managing Change; Management Development; Leadership; Organization Behavior; Management Skills; Organizational Culture; Organizational Change and Adaptation; Leading Change; Leadership Development; Human Capital; Human Resources; Insurance; Insurance Industry
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      Groysberg, Boris, and Katherine Connolly. "Zurich Insurance: Zurich Oxygen." Harvard Business School Case 417-036, September 2016. (Revised May 2018.)
      • Article

      How to Make the Other Side Play Fair: The Final-Offer Arbitration Challenge Gives Negotiators a Valuable New Tool

      By: Max H. Bazerman and Daniel Kahneman
      In legal disputes, contested insurance claims, and similarly adversarial negotiations, one party is likely to open with an inflated claim or a lowball offer. And if the other side’s position is unreasonable, it may make little sense to be reasonable yourself. But if... View Details
      Keywords: Negotiation Tactics; Negotiation Offer
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      Bazerman, Max H., and Daniel Kahneman. "How to Make the Other Side Play Fair: The Final-Offer Arbitration Challenge Gives Negotiators a Valuable New Tool." Harvard Business Review 94, no. 9 (September 2016): 76–81.
      • June 24, 2016
      • Article

      Health Insurance Mergers Put Consumers Last

      By: John A. Quelch
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      Quelch, John A. "Health Insurance Mergers Put Consumers Last." The Hill (June 24, 2016). (Opinion.)
      • 2016
      • Blog

      Building A Culture of Health - John A. Quelch: Creating A Culture of Health

      By: John A. Quelch
      All American companies are in the health business whether they like it or not. The private sector directly pays for one-fifth of the whopping 17.5% of GDP spent on healthcare in the United States. Rather than viewing health merely as an insurance expense to be... View Details
      Keywords: Building A Culture Of Health; Intersection Of Healthcare And Business; Impact Of Healthcare On Business; Population Health Footprint; Healthcare As An Investment; Change; Education; Health; Human Resources; Labor; Leadership; Management; Marketing; Operations; Performance; Personal Development and Career; Problems and Challenges; Risk and Uncertainty; Strategy; Value; Insurance Industry; Insurance Industry; Canada; North America; United States
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      Quelch, John A. "Creating A Culture of Health." Building A Culture of Health - John A. Quelch (blog). May 31, 2016. http://johnquelch.org/creating-a-culture-of-health/.
      • May 25, 2016
      • Comment

      How Consumers and Businesses are Reshaping Public Health

      By: John A. Quelch
      Healthcare and education are two issues in which citizens around the world, rich and poor, are passionately interested. It has long been appreciated that the way that a society treats its youngest and oldest members says much about its moral maturity. Economic... View Details
      Keywords: Healthcare; Consumer Power; Innovation In Healthcare Delivery; Mobile Healthcare; Transition; Transformation; Trends; Customer Satisfaction; Customer Value and Value Chain; Health Care and Treatment; Information; Collaborative Innovation and Invention; Independent Innovation and Invention; Innovation and Management; Innovation Leadership; Management; Marketing; Markets; Planning; Problems and Challenges; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; South America; North and Central America; Middle East; Europe; Asia
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      Quelch, John A. "How Consumers and Businesses are Reshaping Public Health." Harvard Business School Working Knowledge (May 25, 2016).
      • May 16, 2016
      • Article

      Food Safety Economics: The Cost of a Sick Customer

      By: Dina Gerdeman and John A. Quelch
      Chipotle Mexican Grill’s ongoing struggle to win customers back months after a contaminated food crisis highlights the challenges companies face with keeping food safe.

      Chipotle has seen its shares tumble and recently reported its first-ever quarterly loss... View Details
      Keywords: Food Safety; Organic Food; Supply Chain Management; Globalization Of Food Business; Mérieux NutriSciences: Marketing Food Safety Testing; Food Safety Modernization Act 2011; Plant-Based Agribusiness; Transition; Economic Systems; Food; Health; Supply and Industry; Logistics; Practice; Problems and Challenges; Quality; Safety; Business Strategy; Corporate Strategy; Customization and Personalization; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Mexico; North America; United States; Canada
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      Gerdeman, Dina, and John A. Quelch. "Food Safety Economics: The Cost of a Sick Customer." Harvard Business School Working Knowledge (May 16, 2016).
      • 2016
      • Blog

      Building A Culture of Health - John A. Quelch: The Marketing of Prevention

      By: John A. Quelch
      The US will devote 17.5% of GDP to health care this year, around $3 trillion. Yet only 3 percent of that will be spent on prevention, including both primary prevention (preventing illness in the first place) and secondary prevention (preventing sick people getting... View Details
      Keywords: Healthcare; Healthcare Marketing; Prevention; Wellbeing; Health; Marketing; Insurance Industry; Insurance Industry; Insurance Industry; Europe; North and Central America
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      Quelch, John A. "The Marketing of Prevention." Building A Culture of Health - John A. Quelch (blog). May 12, 2016. http://johnquelch.org/the-marketing-of-prevention/.
      • Article

      Beyond Statistics: The Economic Content of Risk Scores

      By: Liran Einav, Amy Finkelstein, Raymond Kluender and Paul Schrimpf
      "Big data" and statistical techniques to score potential transactions have transformed insurance and credit markets. In this paper, we observe that these widely-used statistical scores summarize a much richer heterogeneity, and may be endogenous to the context in which... View Details
      Keywords: Analytics and Data Science; Risk and Uncertainty; Insurance Industry
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      Einav, Liran, Amy Finkelstein, Raymond Kluender, and Paul Schrimpf. "Beyond Statistics: The Economic Content of Risk Scores." American Economic Journal: Applied Economics 8, no. 2 (April 2016): 195–224.
      • March 2016 (Revised March 2022)
      • Teaching Note

      Evive Health and Workplace Influenza Vaccinations

      By: John Beshears
      Evive Health is a company that manages communication campaigns on behalf of health insurance plans and large employers. Using big data techniques and insights from behavioral economics, Evive deploys targeted and effective messages that improve individuals' health... View Details
      Keywords: Vaccination; Influenza; Flu Shot; Preventive Care; Health Care; Behavioral Economics; Choice Architecture; Nudge; Experimental Design; Randomized Controlled Trial; RCT; Causal Inference; Health Care and Treatment; Insurance; Health; Consumer Behavior; Health Testing and Trials; Communication Strategy; Insurance Industry; Insurance Industry
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      Beshears, John. "Evive Health and Workplace Influenza Vaccinations." Harvard Business School Teaching Note 916-049, March 2016. (Revised March 2022.)
      • March 2016
      • Case

      Evive Health and Workplace Influenza Vaccinations

      By: John Beshears
      Evive Health is a company that manages communication campaigns on behalf of health insurance plans and large employers. Using big data techniques and insights from behavioral economics, Evive deploys targeted and effective messages that improve individuals' health... View Details
      Keywords: Vaccination; Influenza; Flu Shot; Preventive Care; Health Care; Behavioral Economics; Choice Architecture; Nudge; Experimental Design; Randomized Controlled Trial; RCT; Causal Inference; Consumer Behavior; Health Care and Treatment; Health Testing and Trials; Communication Strategy; Health Industry
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      Beshears, John. "Evive Health and Workplace Influenza Vaccinations." Harvard Business School Case 916-044, March 2016.
      • February 2016 (Revised May 2016)
      • Case

      Employee Health

      By: John A. Quelch and Emily C. Boudreau
      Keywords: Health Care; Empoylee Wellness Programs; Health Insurance; Mental Health; Corporate Culture; Employee Compensation; Health; Corporate Strategy; Europe; Asia; North America
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      Quelch, John A., and Emily C. Boudreau. "Employee Health." Harvard Business School Case 516-074, February 2016. (Revised May 2016.)
      • 2019
      • Working Paper

      The Customer May Not Always Be Right: Customer Compatibility and Service Performance

      By: Ryan W. Buell, Dennis Campbell and Frances X. Frei
      This paper investigates the impact of customer compatibility – the degree of fit between the needs of customers and the capabilities of the operations serving them – on customer experiences and firm performance. We use a variance decomposition analysis to quantify the... View Details
      Keywords: Customer Compatibility; Satisfaction; Profitability; Customer Relationship Management; Service Operations; Customer Satisfaction; Banking Industry; Retail Industry
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      Buell, Ryan W., Dennis Campbell, and Frances X. Frei. "The Customer May Not Always Be Right: Customer Compatibility and Service Performance." Harvard Business School Working Paper, No. 16-091, February 2016. (Revised December 2019.)
      • 2016
      • Teaching Note

      Advanced Leadership Pathways: General Gale Pollock and Services for the Vision Impaired

      By: Rosabeth M. Kanter, Tessa Natanay Hamilton and Ai-Ling Jamila Malone
      Teaching note for case 314029. Following a successful military career as an Army Nurse, achieving rank as Major General, becoming the first female Acting Surgeon General of the Army, and the 22nd Chief of the Army Nurse Corps, Pollock developed a vested interest in... View Details
      Keywords: Health Care; Health Care Education; Insurance Companies; Military; Leadership Skills; Health Care and Treatment; Education; Insurance; Business Startups; Information Technology; Applications and Software; Change Management; Health Industry; Information Technology Industry
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      Kanter, Rosabeth M., Tessa Natanay Hamilton, and Ai-Ling Jamila Malone. "Advanced Leadership Pathways: General Gale Pollock and Services for the Vision Impaired." Harvard Business Publishing Teaching Note 316-036, 2016. (Harvard Advanced Leadership Initiative.)
      • 2016
      • Book

      Consumers, Corporations, and Public Health: A Case-Based Approach to Sustainable Business

      By: John A. Quelch
      The public health footprint associated with corporate behavior has come under increased scrutiny in the last decade, with an increased expectation that private profit not come at the expense of consumer welfare.

      Consumers, Corporations, and Public... View Details
      Keywords: Consumer; Corporate Culture; Public Health; Consumer Behavior; Marketing Strategy; Corporate Strategy; Health; Innovation and Invention; Innovation and Management; Supply Chain Management; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Insurance Industry; Asia; Oceania; North and Central America; Middle East; Latin America; Europe
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      Quelch, John A. Consumers, Corporations, and Public Health: A Case-Based Approach to Sustainable Business. New York: Oxford University Press, 2016.
      • Article

      Health Care Providers Need a Value Management Office

      By: Robert S. Kaplan, Catherine H. MacLean, Alexander Dresner, Derek A. Haas and Thomas W. Feeley
      Many health care organizations are striving to implement a value agenda that delivers better patient outcomes at lower cost, medical condition by medical condition. To accelerate the dissemination and adoption of the value agenda, across many more medical conditions,... View Details
      Keywords: Service Delivery; Value; Health Care and Treatment; Health Industry
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      Kaplan, Robert S., Catherine H. MacLean, Alexander Dresner, Derek A. Haas, and Thomas W. Feeley. "Health Care Providers Need a Value Management Office." Harvard Business Review (website) (December 2, 2015). (Part of the “Leading Change in Health Care” series, a collaboration of the editors of Harvard Business Review and NEJM Group.)
      • November 2015 (Revised February 2016)
      • Case

      Allianz Turkey: Focus on the Customer (A)

      By: W. Earl Sasser and Gamze Yucaoglu
      At the age of 39, Solmaz Altın took over the helm at Allianz Turkey. Solmaz quickly realized that, although the insurance market was thinly penetrated in Turkey, the company was operating in a very competitive environment with pressure on prices and, hence, cost... View Details
      Keywords: Service Excellence; Customer Experience; Customer Service; Emerging Market; Customer Focus; Net Promoter Score; Customer Relationship Management; Competition; Leading Change; Service Operations; Emerging Markets; Customer Satisfaction; Insurance Industry; Turkey
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      Sasser, W. Earl, and Gamze Yucaoglu. "Allianz Turkey: Focus on the Customer (A)." Harvard Business School Case 316-093, November 2015. (Revised February 2016.)
      • November 2015 (Revised February 2016)
      • Supplement

      Allianz Turkey: Focus on the Customer (B)

      By: W. Earl Sasser and Gamze Yucaoglu
      At the age of 39, Solmaz Altın took over the helm at Allianz Turkey. Solmaz quickly realized that, although the insurance market was thinly penetrated in Turkey, the company was operating in a very competitive environment with pressure on prices and, hence, cost... View Details
      Keywords: Service Excellence; Customer Experience; Customer Service; Emerging Market; Customer Focus; Net Promoter Score; Customer Relationship Management; Competition; Leading Change; Service Operations; Emerging Markets; Customer Satisfaction; Insurance Industry; Turkey
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      Sasser, W. Earl, and Gamze Yucaoglu. "Allianz Turkey: Focus on the Customer (B)." Harvard Business School Supplement 316-094, November 2015. (Revised February 2016.)
      • 2015
      • Case

      Advanced Leadership Pathways: Mike Critelli and Dossia Service Corporation

      By: Rosabeth Moss Kanter and Patricia Bissett Higgins
      In 2010, Mark Critelli was a well-seasoned corporate executive who had recently transitioned from being the CEO of a Fortune 500 company to that of a startup called Dossia. As an AL Fellow, he knew that despite believing in Dossia’s mission to empower individuals with... View Details
      Keywords: Health And Wellness; Health Care; Health Care Education; Health Care Entrepreneurship; Health Care Industry; Health Care Investment; Health Care Outcomes; Health Care Quality; Health Care Reform; Health Care Services; Health Costs; Preventive Care; Insurance Companies; Insurance Industry; Employee Compensation; Empoylee Wellness Programs; Patient Reported Outcome Measures; Patient Satisfaction; Data; Data Analytics; Entrepreneurs; Entrepreneurial Organizations; Entrepreneurial Ventures; Start-up; Leadership Skills; Disruptive Change; Health; Insurance; Employees; Leadership; Disruptive Innovation; Health Care and Treatment; Employment; Entrepreneurship; Business Startups; Information Technology; Analytics and Data Science; Health Industry; United States
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      Kanter, Rosabeth Moss, and Patricia Bissett Higgins. "Advanced Leadership Pathways: Mike Critelli and Dossia Service Corporation." Harvard Business Publishing Case 316-053, 2015. (Harvard Advanced Leadership Initiative.)
      • Article

      Behavioral Hazard in Health Insurance

      By: Katherine Baicker, Sendhil Mullainathan and Joshua Schwartzstein
      A fundamental implication of standard moral hazard models is overuse of low-value medical care because copays are lower than costs. In these models, the demand curve alone can be used to make welfare statements, a fact relied on by much empirical work. There is ample... View Details
      Keywords: Insurance; Consumer Behavior; Health Care and Treatment; Insurance Industry
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      Baicker, Katherine, Sendhil Mullainathan, and Joshua Schwartzstein. "Behavioral Hazard in Health Insurance." Quarterly Journal of Economics 130, no. 4 (November 2015): 1623–1667. (Online Appendix.)
      • Article

      More Insurers, Lower Premiums: Evidence from Initial Pricing in the Health Insurance Marketplaces

      By: Leemore S. Dafny, Jonathan Gruber and Christopher Ody
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      Dafny, Leemore S., Jonathan Gruber, and Christopher Ody. "More Insurers, Lower Premiums: Evidence from Initial Pricing in the Health Insurance Marketplaces." American Journal of Health Economics 1, no. 1 (Winter 2015): 53–81.
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