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In response to COVID, the Insurance Authority introduced temporary facilitative measures TFM which allow insurers and intermediaries to sell certain types of long term insurance by non-face-to-face methods, departing from the face-to-face F2F distribution ordinarily required. The aim of the TFM is to minimise the risk of spreading the COVID virus in F2F meetings, while ensuring continued access by the insuring public to applicable products, protecting their interests and effective prudential supervision by the Insurance Authority.
The current TFM apply to long term insurance only, as general insurance such as property insurance, travel insurance, commercial products such as public liability or employees’ compensation does not have a F2F requirement as part of the selling process. The TFM so far have been implemented in two phases to reflect different characteristics and risk features of long term insurance products:.
So, for example, hospital cash, medical, critical illness, personal accident, disability or long-term care insurance are covered in Phase 2. Other long term insurance products, such as investment-linked insurance schemes which are more suitable for sophisticated investors are not included within scope of the TFM at least at this stage. The Insurance Authority will continue to engage with industry to explore other products that could benefit from the TFM in future.
The Insurance Authority has in Phases 1 and 2 provided for:. To safeguard the fair treatment of customers, the Insurance Authority requires intermediaries to comply with the following measures in lieu of the FNA under the TFM:. There are various other requirements for insurers and intermediaries who are considering adopting the TFM, such as:. In parallel with the Insurance Authority’s TFM, individual insurers have also implemented supportive measures to assist their existing and potential policyholders during the current period, such as:.
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Moderation of focus groups is a kind or art. It requires a number of skills and experience. You need to be a good listener but sometimes also a motivator or even a lion tamer. Every group composition and group dynamic is different. The more groups are conducted the more solid are the results. For the observation and thorough analysis it is not only important what the target audience says verbal communication but how are opinions put forward, what behaviour and non-verbal communication can be observed in order to get the full picture: Understanding of the deeper meaning; open und underlaying emotions, and the psychological setting; My advise: make more out of focus groups than be content with a snapshot.
As a trained moderator I can support you on the study design number of groups, locations, target group definition , developing the discussion guide and with analysis verbal debrief or a report. Read more Workshop Moderation.
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