Publications

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

27 Oct 2016
News

Public Programs Encourage Entrepreneurship

05 Aug 2002
Research & Ideas

Are Consumers the Cure for Broken Health Insurance?

The health insurance system in the United States is broken, and business is paying the price. Employers' insurance premiums reached an estimated $450 billion in 2000, View Details

Keywords: by Regina E. Herzlinger

03 Mar 2003
What Do You Think?

Are Conditions Right for the Next Accounting Scandal?

auditors and audit committees whose mutual survival depends on each other, overly complicated accounting and tax systems, and the nature of the reporting relationships between... View Details

Keywords: by James Heskett; Accounting; Financial Services

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

Web

Alumni in Climate Networking Series: San Francisco - Addressing Extreme Weather, Climate Risk, and Resilience - Blog - Business & Environment

resilience and discussed emerging approaches like parametric insurance and community catastrophe coverage. Barney Schauble (AB ’95) , Senior Advisor at Nephila View Details

October 2022 (Revised August 2024)
Case

Cigna-Express Scripts: Can a Vertical Merger Rescue an Industry Under Attack?

By: Leemore Dafny

In Fall 2019, Cigna Corporation – a global health services company with a significant presence in the U.S. employer-sponsored health insurance market - was digesting its $54 billion acquisition of Express Scripts, Inc. (ESI), a pharmacy benefit manager (PBM)... View Details

Keywords: Mergers and Acquisitions; Business Model; Vertical Integration; Insurance Industry

Ray Kluender is an associate professor in the Entrepreneurial Management Unit and the Berol Corporation Fellow at Harvard Business School, a faculty research fellow at the National Bureau of Economic Research (NBER), an invited researcher at the Abdul Latif Jameel... View Details

30 Mar 2021
Video

Hive Health Co-Grand Prize Winner 2021 New Venture Competition Student Business Track

August 1984 (Revised March 1994)
Case

The Toro Company S'no Risk Program

By: David E. Bell

Toro introduced a promotion in which purchasers of their snowthrower would receive a refund if the next winter brought only modest snowfall. The principal focus of the class is to understand what the risk implications are for the customer and for the company. May be... View Details

Keywords: Risk and Uncertainty; Customers; Insurance

05 Jun 2012
First Look

First Look: June 5

issuance and for trading in the secondary market and are robust to a series of bond and issuer controls, including issuer fixed effects as well as liquidity View Details

Keywords: Sean Silverthorne

Web

Student Spotlight: 2023 HCC Co-Presidents Reflect on Their Time at HBS and the Current Health Care Systems - Blog: Health Supplement

encouraged me to explore a wider range of health care segments including insurance companies, self-insured employers, telehealth providers, and decentralized clinical trial CROs. What is your opinion on the... View Details

September 1997
Case

Radiology Management Sciences

Radiology Management Sciences (RMS) analyzes diagnostic imaging claims to help HMOs and insurers control utilization. As industry changes threaten RMS's profitability, the company's founders contemplate two alternative business models. View Details

Keywords: Business Model; Industry Growth; Service Industry; Health Industry

Find at Harvard

11 Dec 2014
News

Boston Medical Center, Tufts in merger talks

09 Oct 2020
Video

Mahbubur Rahman

Mahbubur Rahman, who had already started trading, banking and insurance businesses in Bangladesh, explains why he entered newspaper publishing, and how this business has become profitable despite the experience of peers. View Details

Article

The Economic Consequences of Hospital Admissions

By: Carlos Dobkin, Amy Finkelstein, Raymond Kluender and Matthew Notowidigdo

We use an event study approach to examine the economic consequences of hospital admissions for adults in two datasets: survey data from the Health and Retirement Study, and hospitalization data linked to credit reports. For non-elderly adults with health insurance,... View Details

Keywords: Personal Finance; Borrowing and Debt; Insurance; Insolvency and Bankruptcy; Health Care and Treatment