Int. j. econ. manag. soc. sci., Vol(3), No (11), November, 2014. pp.

755-764

TI Journals

International Journal of Economy, Management and Social Sciences

www.tijournals.com

ISSN:
2306-7276

Copyright 2014. All rights reserved for TI Journals.

The Study of the Effect of Approaching Six Sigma in the Improvement of

Issuing Process of Medical Expenses Policy at Day Insurance Company
and Presenting Solutions and Suggestions
(Case Study: Day Insurance Company, Tehran City)
Azim Zarei
Department of Business Administration, Faculty of Economic and Management, Semnan University, Semnan, Iran.

Reza Shakerin *
Department of Industrial Management, Faculty of Management, Islamic Azad University Semnan Branch, Semnan, Iran.
*Corresponding author: Rezashakerin85@gmail.com

Keywords

Abstract

DMAIC cycle,
Service,
Six Sigma

Six Sigma is an aspect of business that provides high quality services to customers through errorless processes.
Although Six Sigma has been widely applied by manufacturing organizations, utilizing this methodology to
improve the service sector has recently drawn attention. Therefore, the present research studies the impacts of
applying the approach in Day insurance company in Tehran. This is a descriptive-analytical research and was
carried out using the survey method. The results indicated that there is a difference between the average amount
and number of premiums and compensations regarding Day Companys health group insurance before and after
implementation of the Six Sigma approach. In addition, the amount of compensations has been relatively
increasing compared to before implanting this approach. Moreover considering customers feedbacks leads to
more efficiency of the Six Sigma approach in Day Companys health group insurance.

1.

Introduction

Seeking effective, profitable solutions to provide goods and services is necessary in todays economic climate. Goods and services have to be
constantly improving that is possible through customer satisfaction inside and outside of the organizations, institutions and firms. Therefore, it should
be the main goal of every corporation.
What organization today and in the past share is that they have focused their efforts to achieve this goal? However, in todays competitive world, the
level of an organizations success is determined through performance indicators in comparison with competitors. Speed and quality to achieve the
performance indicators in the competitive world depends on the organizations methodology in identifying and using the organizational capabilities.
By offering the idea of continuous improvement based on moving towards zero error in the recent decades, quality management has been trying to
provide efficient capabilities for organizations that have been using various techniques and devices in their approach. The insurance industry as a set
of economic institutions, act at the optimum point towards providing maximum service at minimum cost and leading to rapid development in the
community after considering the costs and benefits. However the important thing is that if clients have no incentive to insure themselves and their
assets and just feel pushed towards it, potential competition may decline among insurance companies. Therefore, one of the ways to persuade people
is to provide appropriate processes for issuing insurance and insurance payments in case of any loss or damage.
Furthermore, considering the increasing insurance industry development as a high yielding industry on one side and the emerging private companies
and intense competition on the other side.
The Six Sigma has been more widely used in production than in the service sector despite its effectiveness in this area. Therefore the Six Sigma is an
efficient method for operating a business in the twenty-first century that contributes to the organizations survival and continuous improvement in the
global market competition. The Six Sigma is known as an efficient and effective in problem solving. The most common methodology of Six Sigma is
DMAIC that consists of 5 phases of define, measure, analyze, improve and control. The present study was conducted in the area of services in order
to help the Six Sigma methodology enter the service sector, especially the insurance industry in Iran [1].

2.

The Statement of The Problem

Insurance industry is rapidly changing and becoming competitive. Understanding customers needs and increasing their satisfaction is necessary in
order to stay competitive and survive in this industry. According to the six sigma theorists believe that a displeased customer will inform more than
ten people even though not encountered a big problem, but will inform five people if the problem is solved. 31 percent of customers that experience
problems receiving services never complain as they believe it will bring more problems without being solved and only 9 percent of them remain the
company [2]. Given that the process of issuing insurance is one of the important processes in this industry its improvement can maximize customers
satisfaction. Application of six sigma as a tool to improve the quality of the insurance industry can yield outstanding results.

Reza Shakerin *, Azim Zarei

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International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

2.1. Research purposes

Purposes that will be addressed in this research are as follow:
Providing guidelines for process improvement of issuing health insurance using the six sigma approach.
Applying the six sigma approach in insurance processes.
2.2. Research hypotheses
The research hypotheses are as follow:
There is a difference between the average number of premiums for health group insurance of Day insurance company before and after implementing
the six sigma approach.
There is a difference between the average amount of premiums for health group insurance of Day insurance company before and after implementing
the six sigma approach.
There is a difference between the average number of compensations for health group insurance of Day insurance company before and after
implementing the six sigma approach.
There is a difference between the average amount of compensations for health group insurance of Day insurance company before and after
implementing the six sigma approach.
Considering customers feedbacks leads to a more efficient six sigma approach to health group insurance of Day insurance company.

3.

Six Sigma

The Six Sigma is a popular theory based on reducing process variation using statistical tools and techniques [3]. The evolution of Six Sigma has
brought a broader range of concepts compared with statistical definitions. The Six Sigma means a systematic, data oriented approach (the
performance is based on data) for continuous quality improvement and process efficiency that ultimately leads to faster and greater profitability [4].
Integrating Six Sigma and behavioral management components can create a complete system in service organizations [5].
Most people in service organizations believe that applied improvement techniques in manufacturing organizations do not apply to service
organizations and therefore refuse to employ the Six Sigma approach in their corporations. However, since the Six Sigma is a systematic, logical
approach to improvement and problem solving, it can be applied not only to manufacturing organizations but also to service organizations.
Nevertheless, due to the different nature of manufacturing and service processes appropriate compatible devices must be employed in every process
[5].
The standard methodology for Six Sigma is DMAIC that consists of 5 phases.
definition

measure

analyze

improve

Project Charter

Quality critical criteria

Process analysis
control

Brainstorming

diagram SIPOC

Process sigma
calculation
Process output
analysis

Design of
experiments

Process flowchart

control

control

FMEA
voice of the customer
Figure 1. Dmaic Phase Steps

3.1. Define
Project goals and boundaries are determined in this phase according to organizational goals, customers needs and processes that need to improve in
order to achieve the three sigma level. The define phase is implemented by tools such as voice of the customer to explain the customers needs,
affinity diagram and Kano model [1]. This phase consists of the following steps:

Project chart: project chart is the key step in the first phase in which a general image of the research is provided. The main components of the
project listed in the project chart are organizational revenue (financial interests), problem and purpose statement [4].
Table 1. The Six Sigma Project Chart
Date: 2012

Branch: Tehran

Day insurance company

Research title: process improvement of issuing health insurance in Day insurance company
Background and reasons for selecting the research: customer satisfaction improvement, the companys cost reduction, and reducing the identified process problems
research purposes: to identify the process problems and providing solution for identified problems
benefits : increased customers satisfaction, creating competitive advantage by reducing the identified process problems

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The Study of the Effect of Approaching Six Sigma in the Improvement of Issuing Process of Medical Expenses Policy at Day Insurance Company and Present...
International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

Sipoc diagram: this diagram ensures that the project is defined clearly and accurately. After the diagram is complete it should be available to those
people with key roles in the project to ensure that the project team is moving in the right direction [4].
Process flowchart: process flowchart is a tool to list the activities that are conducted in a process and designed in two types. The first type is the
process flowchart that indicates the sequence of steps in a process using particular graphic signs. The second type is the process development or the
cross functional map that graphical sins are put together as a matrix to indicate in which parts the process is proceeding and which people and
sectors are linked with that.
Voice of the customer: customer orientation is not only a necessity for success in business but is also an integral part of the six sigma
implementation program [4].
3.2. Measurement
In case the purpose of the Six Sigma implementation is to improve a process in various facets such as accuracy, costs, time, cycle and customers
satisfaction, the measure phase will be greatly data oriented. Accurately identifying the project scope is essential in definition phase, as the project
team will be able to concentrate their efforts on areas that have been properly guided in collecting and measuring the data [4]. The main activities in
measurement phase are as follows:
Determining the optimal process performance criteria such as accuracy, speed and understanding the quality characteristics from an organizational
and customers perspective.
Measuring the reference values of the sigma level, including current performance criteria compared to the optimal performance in order to
determine the capability of the current process in meeting the quality characteristics from customers point of view. This is called interval analysis.
Defining and measuring the process defects.
Creating a precise, detailed map of the ongoing process.
Determining the inputs and outputs of the process inputs and outputs and their relationship with each other.
3.3. Analysis
Potential factors and the roots of a problem that form the basis of possible solutions for the next phase are identified in this phase. Affinity, cause and
effect, process flow and brain storming diagrams are some of the tools used in this phase [1]. Statistical data analysis is performed using statistical
software in the analysis phase. The role of this software is to provide decision makings in the uncertainty condition. Decisions should be made based
on target facts and also knowledge and Statistics is the science that gives meaning to the data that may seem meaningless. The analysis phase covers
the followings:
Process analysis according to the process maps that are provided in the measure phase.
Conducting the hypothesis test along with discussion about the value and type I and II error.
Tests and statistical tables.
Statistical tools used for measuring the relationships between variables [4].
3.4. Improvement
The Six Sigma team should begin the improve phase with a clear understanding of problems in the process of turning critical inputs into critical
outputs. The focus of this phase is to improve the processes based on the experiences gained during the project. Given that Six Sigma is a business
strategy with the aim of increasing the profits, the new process must lead to direct savings and increased revenue. Calculating the amount of direct
savings is rather difficult in some projects.
The improve phase begins once various processes have been planned and processes with the ability to meet the projects purposes should be selected
[4].
3.5. Control
The Six Sigma team usually conducts a review philosophy to ensure that all stakeholders are still committed to optimization and improvement and
ready to face possible changes. Changes are applied after final modifications to proposals for improving the project. The Project supporter and
executives are responsible for applying necessary changes and project team members monitor the performance through actively implementing the
control program. Implementing the control program or in other words closing the loop is necessary for lasting success of the Six Sigma approach
within the organization. The best option is probably a black belt that guarantees success. The purpose of the control phase is to determine if expected
modifications and improvements have been really achieved. Different methods and tools can be used in order to do this as follows:
Control program
Balanced Scorecard
Failure analysis
Process statistical control charts
Documentation and the final project report [4].
3.6. Insurance
The health of an individual and society are so intertwined that one cannot distinguish the differences between them. Any unhealthy individual can be
a threat to others health or cause damages to the economic system due to absence in the workplace. They also impose expenses of the insurance fund
during their treatment [6].
The supplement is something added to another thing in order to complete, develop and make up for its deficiencies. Health supplement insurance is
an insurance that complements and makes up for quantitative and qualitative deficiencies of public health insurance services [6].

Reza Shakerin *, Azim Zarei

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International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

Day insurance company was registered in the registration office of companies in Tehran with official permission from central insurance of Iran in
2004 in order to provide different types of insurance services. The mission statement of this company is as follows:
Excellent customer service is the companys priority in order to achieve satisfaction, integrity, competency and a nationally widespread and
developed insurance industry. The company seeks to expand its markets inside and outside of the country with its competitive price and efficient
manpower not only to earn a reputation in the industry but also to assure the survival and profitability of the company. Having committed, competent
employees and a motivating, friendly environment with a mutual respect are important factors of the companys improvement [7].
One of the insurance coverage types is the health insurance. Since the human is constantly exposed to the risk of various diseases, expending high
medical costs is inevitable. Insurance companies offer various medical plans in order to help people pay such expenses. They also provide
government employees or those in industrial and manufacturing sectors with collective insurance plans in most countries.
Medical insurance is currently one of the most important types of insurance in most countries. This type of insurance is provided in groups in Iran
[7].

4.

Review of Literature

Dobie and Hensley have investigated the readiness of service companies for execution of Six Sigma [8]. In this study, they presented a model for
testing the readiness of organizations for implementing six sigma. The presented model has been implemented in a service company. Such analysis is
applicable both for the managers and the researchers.
Chen and Hsia have determined the reasons of satisfaction or dissatisfaction of customers by the voice of the customers, and then in combination
with Kano model, Maslow's hierarchy of needs and Herzberg's two-factor theory, and ultimately it is tried to upgrade the factors by the usage of six
sigma [9].
Gio Anthony have compared the execution of six sigma within service and manufacturing sections. Then the outcomes of a case study in English
service organization for implementing six sigma and ultimately he presents the significant elements which are needed for successful use of six sigma
in service section. These elements include making relation between six sigma with organization strategy, concentration on the customer, the
organizational infrastructure, organizational culture improvement, motivational-learning plans and understanding the methodology of six sigma [10].
Mojibi and Aghapour, in his article named Challenges facing the implementation of Six Sigma methodology in service sector has investigated the
challenges facing such methodology via case study in Telecom and Iran oil pipeline and ultimately he has investigated the necessities for successful
implementation of six sigma within service sector [11].
Nasiri pour et al., has investigated the relation of organizational culture with implementation of Six sigma in leaning hospitals of Science University
of Kerman and ultimately the researcher has concluded that at the level of a philosophy, Six sigma is equal with special organizational culture of Six
sigma that is the same principals and dominant phase for effective usage of path plan and its techniques and they have named it the culture of Six
sigma [12].
In a research titled the comparing investigation of data analysis in Six sigma, with the help of statistical tools and multi-attribute decision making
techniques, have introduced the most common methodology in Six sigma as DMAIC methodology and one of the most important bases of Six sigma
methodology is using many statistical techniques and methods due to analysis and identifying the root causes of defects. In this article, in first stage,
the researcher tries to sharply identify the defects and lacks caused by using statistical tests in the phase of Six sigma analysis and in the second stage
the represent the solutions for resolving the obstacles by using the multi-attribute decision making techniques in the field of operational research [13].
In a research titled refining Six sigma solution methodology via key points of engineering value-creating of the value of the researchers by doing
interviews with value engineers experts and six sigma in Iran Khodro company to the refined Six sigma pattern obtained through valuating key points
and engineering complimentary value. In this engineering value pattern by enforcing three comprehensive approach, fresh thinking and visionary in
six sigma caused refinement of this methodology [14].

5.

Research Methodology

This research is descriptive-analytic and it is implemented through survey.

The tools of data collection: for required data collecting by two methods of library and fielding.
Population (N): The population of this research includes all the customers of Day Insurance Company that is based on the latest information in year
2011 over 385 organizations. The selection of the samples is done regarding to the subject and its nature by classified sampling method (in each class
by simple random sampling) that the number of the samples is obtained through Cochran formula over 192 organizations and they were chosen
randomly.
Reliability and Validity: The indicators have been provided from the ideas of the related experts. Also after implementation of the ideas of the
industry and university experts in order to investigate the validity of the research has been used from Spearman coefficient that such amount in the
questionnaire obtained 0.899 and it is acceptable. Cronbach's alpha coefficient has been used in order to determine the creditability of the research.
By using SPSS and implementing the necessary calculations the total Alpha coefficient for the questionnaire has been equal to 0.969which indicates
the appropriate credit and acceptability.
The data analysis method: In this research for reject or accepting each hypothesis from inferential statistics have been used Pearsons correlation test,
t-test and the comparison of two independent societies average and Kolmogorov - Smirnov test have been used for normalized test. The analysis of
the data have been drawn by SPSS and Excel.

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The Study of the Effect of Approaching Six Sigma in the Improvement of Issuing Process of Medical Expenses Policy at Day Insurance Company and Present...
International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

6.

Analysis

6.1. Variables Normality test

Figure 2. Comparative Chart of the Average Number of Received Premium in Group Therapy Insurance of Day
Insurance Company before and after the Implementation of the Six Sigma Approach in Months Separation

Before implementation of any test for variables, the number of received insurance policies, the received premium per million rials and the number of
compensations, the amount of compensations per million rial, as the default, the non-parametrical Kolmogorov-Smirnov for the variables normality
investigations as follows in which we concluded that the variables the number of received policies, received premiums per million rial, the number
of compensations, the amount of compensations per million Rial were distributed normally and we can use inferential test for comparison of two
independent societies average.
6.2. Hypothesis Test
In this stage each one of the research hypothesis are tested as follows.
-Hypothesis 1
Table 2. Statistical Indicator of the Amount of the Premium
Std. Deviation
14.217
15.485

Mean
24.45
30.23

Descriptive Statistics
N
Explanation
60
Before the deployment of Six Sigma
30
After the deployment of Six Sigma

There are differences between the average number of received premium in treatment insurance group of Day insurance company before and after the
implementation Six-sigma approach.
In case that the average index before and after the implementation and settlement of Six sigma approach) from the year 2005 until the end of 2009
and early of 2010 until the mid of 2012) there were significant difference in Day stock insurance company, the assumption of zero reject and
otherwise we accept it.
H0: The average number of received premium before and after the implementation of Six Sigma is equal:
H1: The average of number of received policy before and after implementation of six sigma isnt equal.
Based on the outcomes of the Levene Test, the equality assumption of the two societys variance with trust probability of 95% is not rejected. In
other words, it is observed that the number of variances received premiums before and after the implementation of six sigma is equal and also based
on the outcomes of T-Test, the average of the number of received premiums before and after the implementation of six sigma in Day insurance have
no significant difference statistically.

Reza Shakerin *, Azim Zarei

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International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

Figure 3. Comparative Chart of the Average Number of Received Premium in Group Therapy Insurance of Day
Insurance Company before and after the Implementation of the Six Sigma Approach in Months Separation

-Hypothesis 2
There is difference between the average of received premiums in Day insurance company before and after implementing Six-sigma approach.
H0: The average of the amount of received premium before and after the implementation of six sigma is equal.
H1: The average of the amount of received premium before and after the implementation of six sigma is not equal.
Table 3. Sample Test of Comparing the Mean of Two Independent Community
Levene test for
variances comparison

-1.8

88.0

0.1

-5.8

3.3

-12.3

0.7

-1.7

53.9

0.1

-5.8

3.4

-12.5

1.0

Lower
limit

0.3

Difference of
standard
deviation

1.0

Mean difference

Unequal variances

Mean difference
level of
significance

Number of
received
premiums

Degree of
Freedom

Equal variance

95% confidence
interval for the mean
difference

T statistic

Level of
significance

F statistic

Explanation

The t-test for mean comparison

Based on the outcomes of Levene test, the equality assumption of two societys variances with trust probability of 95% is rejected. In other words, it
is observed that the variable variance of received premium before and after implementation of SIX sigma have significant difference statistically and
in average despite insignificancy of the number of premiums, the amount of Day insurance premium were 548461 million Rials and it has been
enhanced comparing with before implementing Six sigma approach.

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The Study of the Effect of Approaching Six Sigma in the Improvement of Issuing Process of Medical Expenses Policy at Day Insurance Company and Present...
International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

Figure 4. Comparative Chart of the Average Number of Paid Damage in Group Therapy Insurance of Day
Insurance Company before and after the Implementation of the Six Sigma Approach in Months Separation

-Hypothesis 3
There is a difference between the average of number of paid compensations in insurance policy of Day insurance company before and after
implementation of Six-sigma approach.
Table 4.Statistical Indicators of Received Premium (Million Rials)
Descriptive Statistics
Mean
N
52887.40
60
601249.33
30

Std. Deviation
33010.707
507672.092

Explanation
Before the deployment of Six Sigma
After the deployment of Six Sigma

Table 5. Sample Test of Comparing the Mean of Two Independent Community

Levene test for
variances
comparison

-5.9

29.1

0.0

0.0

548361.
9
548361.
9

Upper
limit

0.0

95% confidence interval

for the mean difference
Lower
limit

88.0

Difference of
standard deviation

-8.4

Mean difference

Unequal
variances

Mean difference
level of
significance

154.2

Degree of Freedom

Equal
variance

T statistic

Level of
significance

Number of
received
premiums

F Statistics

Explanation

The t-test for mean comparison

65446.4

-678422.9

-418300.9

92785.7

-738095.4

-358628.5

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International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

Figure 5. Comparative Chart of the Average Number of Paid Damage in Group Therapy Insurance of Day
Insurance Company before and after the Implementation of the Six Sigma Approach in Months Separation

Once there is a significant difference statistically in average of index before and after implementation of Six-sigma approach in Day insurance
company, the zero assumption will be rejected otherwise accepted.
H0: The average of the number of compensations before and after the implementation of six sigma is equal.
H1: The average of the number of compensations before and after six sigma is not equal.
Table 6. Statistical Indicators of the Number of Damage
Descriptive Statistics
Std. Deviation
1102.056
24701.392

Mean
1572.15
19505.57

N
60
30

Explanation
Before the deployment of Six Sigma
After the deployment of Six Sigma

Table 7. Sample Test of Comparing the Mean of Two Independent Community

Levene test for
variances
comparison

The t-test for mean comparison

Difference of
standard deviation

Mean difference

Mean difference
level of significance

Degree of Freedom

T statistic

-24247.39

3177.18

-17933.42

0.00

88.00

-5.64

-8705.97

-27160.86

4512.08

-17933.42

0.00

29.06

-3.97

F Statistics

Lower limit

-11619.44

Explanation

Level of
significance

Upper limit

95% confidence interval for

the mean difference

0.00

74.63

Equal variance
Unequal
variances

Number of
received
premiums

Based on the outcomes of Levene test, the equality assumption of two societies variances with trust probability of 95% is rejected. In other words, it
is observed that the variable variances of number of the compensations before and after implementation of six sigma is not equal and also based on
outcomes of the T-Test, the average of the number of compensations before and after implementation of six sigma is significant different statistically,
and in average the number of compensations in group insurance of Day insurance company is 17933 unit enhanced comparing with before
implementation of six sigma approach.

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The Study of the Effect of Approaching Six Sigma in the Improvement of Issuing Process of Medical Expenses Policy at Day Insurance Company and Present...
International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

-Hypothesis 4
There is a significant difference between the average of the amount of compensations in Day insurance company before and after implementation of
six sigma.
H0: The average of the mount of compensations before and after implementation of six sigma is equal.
H1: The average of the mount of compensations before and after implementation of six sigma is not equal.
Table 8. Statistical Indicators of the Amount of Compensation (Rials)
Standard deviation
8328.096
56844.659

Descriptive Statistics
Number
Explanation
60
Before the deployment of Six Sigma
30
After the deployment of Six Sigma

Mean
9529.05
46571.17

Based on the outcomes of Levene test, the equality assumption of two societies variances with trust probability of 95% is rejected. In other words, it
is observed that the variable variances of number of the compensations before and after implementation of six sigma is not equal and also based on
outcomes of the T-Test, the average of the number of compensations before and after implementation of six sigma is significantly different
statistically, and averagely referring to significance of the number of compensations, the amount of compensations in Day insurance company were
averagely 37042 million Rial enhanced comparing with before the implementation of Six sigma approach.
-Hypothesis 5
Regarding to the ideas, the customers cause more efficiency of Six-sigma approach in group insurance of Day insurance company. This hypothesis is
expressed through questions including options (Totally disagree, disagree, no comments, I agree completely agree). If the average of responders to
the hypothesis tend to choices rather than no comments, the H0 will be rejected otherwise, it is accepted.
As a result of the analysis, with trust probability of 95 percentages to the idea of the responders, it seems that the attention to the ideas of the
customers causes more efficiency of six sigma approach in treatment group insurance of Day insurance company.
Table 9. Sample Test of Comparing the Mean of Two Independent Community
Levene test for
variances
comparison

Mean difference

Difference of
standard deviation

-4.97

88.00

0.00

-37042.12

7454.42

-51856.20

-22228.03

-3.55

29.62

0.00

-37042.12

10433.91

-58362.35

-15721.89

Figure 6. Customers Survey

Lower limit

Mean difference
level of significance

0.00

Degree of Freedom

58.47

95% confidence interval

for the mean difference

t Statistics

Equal
variance
Unequal
variances

Level of significance

Number of
received
premiums

F Statistics

Explanation

The t-test for mean comparison

Reza Shakerin *, Azim Zarei

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International Journal of Economy, Management and Social Sciences Vol(3), No (11), November, 2014.

7.

Conclusion

Six sigma is a philosophy that with help of it less errors will occur during the action. It is a statistical measurement since it helps the accuracy of
product and procedure measurement. It is measuring tool since it emerges measurement system and ultimately it is a commercial strategy since
decreases the expense by high quality. The obtained outcomes are as follow:
The average of variable number of received premiums before and after implementation of six sigma is equal and the number of received premiums
before and after implementation of six sigma is not significantly different statistically.
The average of variable number of received premiums before and after implementation of six sigma is not equal and are significantly different
statistically and averagely despite insignificancy of the number of premiums, the amount of premiums in treatment group insurance of Day insurance
company is 548461 million Rials enhanced rather than before implementation of six sigma approach.
There is a significant difference between the averages of the amount of compensations in Day insurance company before and after implementation of
six sigma and averagely the number of compensations in treatment group insurance of Day insurance company is 17933 units enhanced rather than
before implementation of six sigma approach.
The average of the number of compensations before and after implementation of six sigma is significantly different statistically, and averagely
referring to significance of the number of compensations, the amount of compensations in Day insurance company were averagely 37042 million
Rial enhanced comparing with before the implementation of Six sigma approach.
Regarding to the ideas, the customers cause more efficiency of Six-sigma approach in group insurance of Day insurance company.

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