This paper aims to replicate the Chew-Graham experiment [1] in order to
determine whether the perception of quality for
complementary medical insurance is biased and independent from its
actual consumption in a different cultural and geographic
context for two groups of consumers with different levels of coverage.
This in order to contrast the standard insurance theory in
which the perception of quality comes after the consumption of medical
products and services. Through a U Mann Whitney and
Kolmogorov-Smirnov statistical tests to 50 consumers of complementary
medical insurance in the city of Barranquilla (Colombia)
it is found that quality perception is different according to the type
of policy that consumers have. Those insured who have policies
with greater benefits, tend to have greater perception of quality of
those who have policies with lower benefits. This experiment
exposed the quality perception and the action of consuming medical
services as independent variables not necessarily correlated.
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