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Manulife reveals change in family dynamics in ‘new normal’

The study, “The Modern Filipino Family: Exploring family dynamics and digitalization in the new normal,” showed notable differences in the impact of the pandemic and digitalization within families, with some embracing new passions and hobbies, while others, particularly younger Filipinos, expressing digital fatigue.

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Filipino parents have thrived while children still struggle in the digital-by-default life of today’s new normal, according to the results of a recent survey by Manulife Philippines.

The study, “The Modern Filipino Family: Exploring family dynamics and digitalization in the new normal,” showed notable differences in the impact of the pandemic and digitalization within families, with some embracing new passions and hobbies, while others, particularly younger Filipinos, expressing digital fatigue.

“This study has helped us to better understand how family dynamics have evolved during the pandemic, and how technology has impacted behaviors at home and influenced everyday decisions. Identifying these shifts in behavior has been vital in helping us to better serve our customers,” said Melissa Henson, Chief Marketing Officer, Manulife Philippines.

Parents respond that while their well-being improved, their children experience struggle

In a survey run by Manulife in May 2022, reflecting on the worst period of the pandemic,1 38% of Generation X and Millennial parents and 40% of Generation Z children said their well-being had suffered, as they struggled with the restrictions imposed by quarantines and lockdowns. Across generations, they identified as the top negative pandemic effects: isolation from family or friends; financial difficulties; increased occurrence of negative emotions such as stress, fatigue, and depression; and a decline in physical activities.

The survey also revealed that, as restrictions eased and the country began its shift to the new normal, more than half of Generation X and Millennial parents (54%), and Generation Z children (51%) said their well-being has improved compared to the peak of the pandemic. Stress levels also decreased for 57% of the parents and 42% of the children.

Gens X and Y Filipino parents attributed their improved well-being to better work-life balance and “more hands-on, more present” parenting. Eighty-two (82%) of parents said they bonded more with their families, while 89% said their family ties got stronger. As for fulfilling responsibilities, 72% of those surveyed said they are able to take care of their kids more, and 74% can manage household chores.

Filipino parents also discovered new hobbies and passions to pursue. Top interests are watching online content (41%) and health and fitness (29%). They also delved more into finance (28%), diversifying their portfolio to include traditional and non-traditional investment products, and exploring sustainable investing. Parents have also become more conscious of their health, with 31% going online to buy life and medical insurance. 

As Filipinos discovered new passions and interests, Manulife Philippines launched its Every Day Better digital content series to provide practical tips and insights to support their evolving needs while looking after their financial future, in collaboration with some of the country’s most influential content creators.

For Gen Z children, however, they remain under a lot of pressure and feel more stressed despite the improving pandemic situation. Specifically, 54% shared that they are sleep-deprived; 68% experience stress, fatigue, and depression, while 55% are increasingly irritable. Thirty-two percent (32%) have also developed unhealthy eating habits.

About 24% of Gen Z children also shared that they are stressed due to increased family conflicts, usually triggered by financial challenges, household chores and obligations, and work and school demands. Fifty-six percent (56%) of Gen Z children surveyed also said they are concerned with the return of face-to-face classes, while 46% of them shared social media and keeping up with online image put pressure on their looks. To help them cope, they actively sought more opportunities to take a respite from the digital world, as 65% have expressed digital fatigue, prompting them to seek more offline interactions with friends and family.

Henson shared: “As Filipinos across generations become more settled in their new routines and digital lifestyles, whether as families or as empowered individuals, Manulife remains committed to serving their evolving life and health protection needs.”

Responsible use of personal data in a hyper-digital world

The Filipino home has become an all-in-one hub of digital activities for families. Among those surveyed, 95% go online for leisure and entertainment, including streaming videos, playing mobile games, and listening to music; while 92% communicate with family and friends through social media, instant messaging, and video and voice calls.  

To purchase food and products, 90% of respondents use e-commerce apps, while 82% use finance apps for cashless payments or to buy insurance. Sixty-four percent of Filipinos surveyed also access health and fitness apps, while 45% use remote work apps as they embrace hybrid work setups.

Amid a hyper-digitalized lifestyle, data privacy remains a key consideration. However, across generations, they expressed that use of their personal data is acceptable when it is used to improve and personalize their experiences. Filipinos surveyed are open to personal data collection when it is used to: develop better products and services (80%); to serve them better (78%); and to show advertisements for relevant products and services (68%).

As one of the country’s most trusted insurers, Manulife Philippines continues to offer best-in-class financial products and services, while fostering trust and confidence among its customers and stakeholders through its strong commitment to protect personal data, in adherence to the Philippine Data Privacy Act.  

Increasing interest in digital financial products for insurance and investments

Filipinos’ positive experiences with online transactions have influenced excitement and optimism for digitalization, transcending into greater interest in purchasing insurance and investment products. Most Filipinos recognize the convenience (45%), sense of security (22%), and protection (17%) that buying insurance online offers.  In the past 12 months, 25% of Generation X and 33% of Millennials bought insurance products online, while 41% of Generation Z intend to purchase insurance products in the next 12 months. Top insurance products purchased in the last 12 months were life insurance (28%); medical/health/accident insurance (28%) and investment-linked insurance (10%).

“Driving our efforts toward becoming the industry’s digital customer leader, Manulife will continue offering seamless and intuitive end-to-end digital experiences. We will also provide Filipinos with best-in-class protection plans and investment opportunities to help them achieve financial security and make their every day better,” Henson said.

Manulife’s study, conducted in partnership with InSites Consulting via online self-completed questionnaires, surveyed 500 Filipinos, aged 18 to 55, in May 2022 across the country. This included insurance and non-insurance owners. To download the full report, visit manulife.pub/TheModernFilipinoFamily.  

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‘Drunk riding’ behind almost half of fatal electric scooter crashes

Tatal crashes occur mainly in the evenings or through the night, and in all cases, no helmet has been worn.

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In almost half of all fatal electric scooter crashes in Sweden, the rider has been under the influence of alcohol. These fatal crashes occur mainly in the evenings or through the night, and in all cases, no helmet has been worn. This is shown by a new study from Chalmers University of Technology, in Sweden, and the Swedish Transport Administration. The study also states that most fatal crashes occur with private electric scooters, rather than rentals.

The researchers have analysed all fatal crashes involving electric scooters, electric bicycles and conventional bicycles in Sweden between 2016 and 2024.

Alcohol is often a factor in fatal crashes occurring with all three of these vehicle types – but the figures for electric scooters stand out. Of the fatal e-scooter crashes, 44 per cent of the riders were under the influence of alcohol, compared to 27 per cent among e-bike riders and 13 per cent among cyclists.

More specifically the levels of alcohol in the blood have been shown to be high across all three groups. Of the e-scooter riders that were under the influence of alcohol, the median blood alcohol content was 1.8 per mille. This can be compared to the legal limit of alcohol content in the blood for driving a car in Sweden, which is 0.2 per mille, above which it is considered drunk driving, and 1.0 per mille in the blood which is considered aggravated drunk driving.

“Alcohol intoxication is a common issue among all road users, but it appears to be particularly severe among riders of electric scooters. Not only were many fatally injured e‑scooter riders intoxicated, but their levels of intoxication were also extremely high,” says Marco Dozza, Professor of Active Safety and Road User Behaviour at Chalmers University of Technology, and senior researcher in the study.

Lack of helmets worn in those killed

The study also showed that helmet use in fatal crashes was very low. Of those fatally injured riding an e-scooter, none were wearing a helmet. And for those killed riding an e-bike or a bicycle, only about 25 per cent were wearing a helmet.

Head injuries were the most common cause of death in all groups.

“The numbers speak for themselves. Since the head is the area of the body that is most affected by a fatal injury and almost no one wears a helmet, we have a clear opportunity to save lives. A helmet is not a guarantee but improves the chances dramatically, so we should do everything we can to encourage helmet use,” says Rahul Rajendra Pai, doctoral student at Chalmers and first author of the study.

“I think many people don’t understand the danger of using an electric scooter under the influence of alcohol, and think that the vehicle doesn’t go that fast,” says Marco Dozza. “But it is enough hitting a stone on the road or a small hole in the ground to lose balance, especially when intoxicated, because alcohol slows down cognition and reactions. If you don’t wear a helmet, it may end up even worse”.

Different crash patterns for different vehicles

The study included 204 deaths, and the researchers saw clear differences between the three vehicle types in terms of rider and crash patterns.

In fatal crashes involving ordinary bicycles, the median age of the cyclist was 71 years old. The crashes often occurred on weekdays and usually involved collisions with motor vehicles.

Fatal e-scooter crashes looked different. The riders had a median age of 47.5 years old, and most of the crashes were single vehicle crashes that occurred at weekends, evenings and nights.

According to the researchers, the results indicate the need for measures and regulations to be adapted to the different types of vehicles.

“The typical fatal bicycle crash, with an elderly cyclist being hit by a motor vehicle in daylight, may require completely different countermeasures than the typical fatal electric scooter crash, where a younger rider crashes alone at night while intoxicated,” says Marco Dozza.

Fatal crashes most common with private electric scooters

Almost nine out of ten alcohol-related e-scooter deaths occurred with privately owned vehicles. Public debate and regulations have largely focused on rented electric scooters, and operators have introduced measures such as speed limits and night restrictions. However, these measures do not affect privately owned electric scooters.

According to the researchers, rules and measures can to some extent counteract crashes with electric scooters. Marco Dozza, for example, is leading an ongoing study on how today’s sensor technology in rented electric scooters can make it possible to detect impaired riding ability in real time.

“If a vehicle can identify that its rider is not in control, it is possible to take various measures before a crash occurs. That kind of intelligent intervention can save lives, and is within reach,” he says.

At the same time, he emphasises that neither rules nor sensor technology alone can solve the problem.

“The big challenge with electric scooter riding is social norms and rider behaviour, and this does not disappear with regulations. Training is an important key to understanding how the vehicle should be handled and what you can, and cannot, do.

Rikard Fredriksson, Senior Advisor in Vehicle Safety at the Swedish Transport Administration and co-author of the study, agrees: 

“Alcohol is still a major problem for road safety in Sweden. Alcohol is involved in about 20 per cent of all fatal road crashes. This study shows that the number of alcohol-related fatalities involving electric scooters is more than twice as high, at 44 per cent. We are committed to the development of technology to counteract electric scooter driving under the influence of alcohol. It is also important to always wear a helmet, and to use only a vehicle that cannot exceed legal speed,” he says.  

The study, “Three modes, three profiles: Characterizing fatal crashes on e-scooters, e-bikes and conventional bicycles in Sweden”, has been published in the Journal of Safety Research. The authors are Rahul Rajendra Pai and Marco Dozza at Chalmers University of Technology, Sweden, as well as Rikard Fredriksson at the Swedish Transport Administration and Chalmers University of Technology.

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Move to quit: Exercise boosts smoking quit rates

Researchers found that people taking part in exercise programs were 15% more likely to achieve continuous abstinence and 21% more likely to report not smoking over a seven-day period, compared with control groups.

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A pack-a-day smoker can spend around $14,000 a year on cigarettes, yet despite the financial and health costs, quitting remains one of the most difficult changes many people will ever attempt.

Now, new research from Adelaide University shows that exercise can help people quit smoking by reducing cigarette consumption, easing cravings and improving their chances of quitting.

Researchers found that people taking part in exercise programs were 15% more likely to achieve continuous abstinence and 21% more likely to report not smoking over a seven-day period, compared with control groups.

They also found that exercise could reduce cigarette consumption by two cigarettes per day, and that a single bout of exercise immediately reduced cigarette cravings for up to 30 minutes after exercise.

The systematic review and meta-analysis examined 59 randomised controlled trials involving more than 9000 participants, exploring the effects of both single bouts of exercise and long-term exercise programs on smoking cessation, cravings, withdrawal symptoms and mood.

Globally, tobacco smoking remains the leading preventable cause of premature morbidity and mortality, accounting for about 7 million deaths, including an estimated 1.6 million non-smokers who are exposed to second-hand smoke.

Around the world, e-cigarette use has now reached more than 100 million people.

The researchers say exercise should be viewed as an additional tool that can be used alongside established smoking cessation support.

Lead researcher, Dr Ben Singh said the findings provide smokers with a practical, low-cost tool that can support their quitting journey.

“Quitting smoking is one of the best things a person can do for their health, but it’s also one of the hardest,” Dr Singh said.

“Many smokers want to quit, but the current approaches don’t work for everyone. That’s why we need more strategies that people can incorporate into their daily lives at little or no cost.

“Something as simple as regular exercise can make a meaningful difference to people trying to quit, helping them manage cravings, smoke less and improve their chances of quitting.”

While smoking rates have reduced over the past two decadesdemand for e-cigarettes and heated-tobacco products have risen, targeting the younger generation.

Today, 80% of the 1.3 billion tobacco users worldwide live in low- and middle-income countries, yet in contrast, vaping has risen across many OECD countries.

Senior researcher Adelaide University’s Professor Carol Maher said exercise could be used strategically to ward off tobacco cravings.

“Quitting smoking does not have to begin and end with willpower alone,” Prof Maher said.

“Cravings can be difficult to manage, but they often pass. Our review found that even a single bout of exercise can reduce cravings for up to 30 minutes, which may help people get through some of the hardest moments of a quit attempt.

“Exercise should not replace evidence-based quit supports such as counselling and smoking cessation medication, but it may be a practical, low-cost strategy that people can use alongside them.”

The researchers say the next step is to test how exercise can be built into real-world quit programs, including digital, community and clinical services, and to examine whether it can also support people trying to quit vaping, where evidence is currently lacking.

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Why taking a sick day depends on more than being sick

The study revealed a clear divide: workers in casual and fixed term jobs take only around one day of sick leave a year on average, compared with about four days for permanent employees.

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As winter illness spreads and households face cost-of-living pressure, many Australians cannot treat a sick day as a simple health decision. They may be too sick to work – but their job is too insecure to stay home.

New research led by the University of Technology Sydney (UTS) shows the decision is heavily influenced by pay, job security and gender. The study, published in Applied Economics, examines how workers’ health and economic circumstances dictate how many sick days they actually take.

“Employers and policymakers often focus on reducing absence, but workers who attend while unwell may recover more slowly, spread infection to colleagues, and be less productive,” said lead researcher Dr Nancy Kong, a Senior Research Fellow at the UTS Centre for Health Economics Research & Evaluation.

Drawing on data from the Household, Income and Labour Dynamics in Australia (HILDA) survey from more than 15,000 Australians between 2005 and 2016, Dr Kong and her co-authors, Dr David Rowell from the University of Queensland and Professor Peter Zweifel from the University of Zurich, examined patterns of sick leave across the workforce. 

“We focused on this period to avoid the COVID years, when major changes in public health rules, workplace practices and leave policies occurred at the same time, and could have blurred the relationship between job conditions and sick leave,” said Dr Kong.

The study revealed a clear divide: workers in casual and fixed term jobs take only around one day of sick leave a year on average, compared with about four days for permanent employees.

Even accounting for variables such as occupation, job satisfaction, household circumstances, living arrangements, marital status, education and place of residence, non-permanent workers still take around three fewer sick days each year.

“This does not necessarily mean casual and fixed-term workers are healthier,” said Dr Kong.

“A more likely explanation is that taking time off is riskier when work is insecure. Non-permanent workers may have less access to paid sick leave. They may also worry that saying no to work, even when ill, could affect future hours or their chances of keeping their job.”

“For a permanent employee, staying home with influenza might be inconvenient; but for a casual worker it may trigger financial stress.”

The study also found that economic insecurity plays a role, with workers living in areas with higher unemployment tending to take less sick leave.

For instance, when the local unemployment rate rises by five percentage points, sick leave drops. While this amounts to a fraction of a day per individual, across a standard team this adds up to significant forgone recovery time.  

This pattern is consistent with a simple concern: when jobs feel harder to replace, workers may be less willing to take time off.

“They may worry that being absent could make them seem less reliable or increase the risk of losing work,” said Dr Kong.

The effect of wages proved more nuanced. Higher wages alone did not consistently dictate leave behaviour. However, among workers in poorer health, higher wages were strongly associated with taking more sick leave, suggesting higher income earners possess a financial buffer.

“Higher-paid workers generally have workplace support and leave entitlements that mean they are supported to take time off when they are unwell without fear of a potential financial penalty,” said Dr Kong.

The most consistent finding was a distinct gender gap.  Across every analysis, men take fewer sick days than women, averaging about half a day less per year (a 23% difference), even when matching with similar health and job circumstances.

“This may reflect differences in health needs, caring responsibilities or how likely people are to seek medical care,” Dr Kong said. 

“But it also points to workplace cultures and gender expectations about ‘toughness’, reliability and working through illness.”

Ultimately, the study highlights that sick leave rates are not simply a reflection of physical health. For employers, low sick leave rates should not be automatically viewed as a sign of success; they may also indicate a culture of fear.

“Workplace cultures should not reward people for attending when unwell or treat legitimate sick leave as a lack of commitment,” said Dr Kong.

“Reducing stigma is also particularly important in addressing the gender gap.”

Dr Kong said for policymakers, the study points to the importance of secure work, accessible paid leave and workplace practices that support people to recover when unwell.

This is particularly relevant during periods of increased cost-of-living pressure, workforce shortages and seasonal illness.

“A fair and effective sick leave system should support productivity while ensuring workers do not have to choose between protecting their health and protecting their income.”

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