Genes And Insurance
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Genes And Insurance
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Author : Marcus Radetzki
language : en
Publisher: Cambridge University Press
Release Date : 2003-11-06
Genes And Insurance written by Marcus Radetzki and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2003-11-06 with Law categories.
The result of two key social developments in recent years are examined here: the partial dismantling of the welfare state and the progress of genetics. Genetic insights are increasingly valuable for risk assessment, and insurers would like to use these insights to help determine premiums. Combined with the fact that social welfare is being curtailed, this could potentially create an uninsured high-risk population. Along with considerations of autonomy and privacy, this is the basis for an ethical critique of insurer's access to information. The result has often been regulation of such information; but the authors argues that due to adverse selection, regulation will not solve these problems, and this may jeopardize the survival of private personal insurance. Instead, we should look towards the resurrection of social insurance, a key component of the welfare state. This will interest academic researchers as well as professionals involved with genetics and insurance.
Genetics And Life Insurance
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Author : Mark A. Rothstein
language : en
Publisher: MIT Press
Release Date : 2004
Genetics And Life Insurance written by Mark A. Rothstein and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Business & Economics categories.
Experts discuss the economic, legal, and social issues surrounding the use of genetic testing in determining eligibility for life insurance. Insurance companies routinely use an individual's medical history and family medical history in determining eligibility for life insurance; this is part of the process of medical underwriting. Insurers have also long used genetic information, often derived from family history, in underwriting. But rapid advances in gene identification and genetic testing are changing the way we look at genetic information. Should the results of genetic testing (which might identify a predisposition toward disease not related to medical history) be available to life insurance medical underwriters? Few if any life insurers currently require genetic testing, but there are no laws or regulations prohibiting its use. Genetics and Life Insurance examines the complex economic, legal, and social issues surrounding the use of genetic information in life insurance underwriting. The contributors are legal scholars, representatives of the life insurance industry (including an actuary and an insurance physician), a geneticist, a genetic counselor, a philosopher, and a consumer advocate. They explore all aspects of an issue that has only recently drawn the attention of policymakers and the public. The book opens with a report on the results of a public opinion poll on genetics and life insurance. Succeeding chapters present the insurer perspective, a discussion of the economics of risk selection in life insurance, background information on the process of underwriting, a scientific analysis of genetic risks and mortality rates, a philosophical discussion of fairness and genetic underwriting, the viewpoints of consumers and genetics counselors, a comparison of different international policy approaches to the issue, and a legal analysis of antitrust implications when insurers collaborate in setting standards for medical underwriting. In the final chapter the editor addresses various policy options, examining the pros and cons of each one and assessing their political feasibility.
Genetics And Insurance
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Author : FRANCOIS EWALD
language : en
Publisher: Taylor & Francis
Release Date : 2023-05-31
Genetics And Insurance written by FRANCOIS EWALD and has been published by Taylor & Francis this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-05-31 with Science categories.
Compiled by a well known and respected team of editors and contributors from interdisciplinary backgrounds, this book has its origins in the Euroscreen project, a research project funded by the European Commission to examine the legal and ethical issues arising from the use of genetic testing and screening since 1990. Contributors from members of a sub-group look at the likely impact of genetic testing on insurance. It will be published at a point when the significant controversy surrounding this issue will have intensified throughout the European Union. Although taking a European perspective, it addresses US issues where there is a strong interest in comparative legislative strategies, taking a themed approach, this book looks comprehensively at the basis issues with an analytical rather than a descriptive approach.
Genetic Testing And The Governance Of Risk In The Contemporary Economy
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Author : Lara Khoury
language : en
Publisher: Springer Nature
Release Date : 2020-10-01
Genetic Testing And The Governance Of Risk In The Contemporary Economy written by Lara Khoury and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-10-01 with Law categories.
This book addresses emerging questions concerning who should bear responsibility for shouldering risk, as well as the viability of existing and experimental governance mechanisms in connection with new technologies. Scholars from 14 jurisdictions unite their efforts in this edited collection to provide a comparative analysis of how various legal systems are tackling the challenges produced by the legal aspects of genetic testing in insurance and employment. They cover the diverse set of norms that surround this issue, and share insights into relevant international, regional and national incursions into the field. By doing so, the authors offer a basis for comparative reflection, including on whether transnational standard setting might be useful or necessary for the legal aspects of genetic testing as they relate to the insurance and employment contexts. The respective texts cover a broad range of topics, including the prevalence of genetic testing in the contexts of insurance and employment, and policy factors that might affect this prevalence, such as the design of national health or social insurance systems, of private insurance schemes or the availability of low-cost direct-to-consumer genetic testing. Further, the field of genetics is gaining in importance at the international and regional levels. Relevant concepts – mainly genetic tests and genetic data/information – have been internationally defined, and these definitions have influenced definitions adopted nationally. International law also recognizes a “special status” for human genetic data. The authors therefore also consider these definitions and the recognition of the special status of human genetic data within regional and national legal orders. They investigate the range of norms that specifically address the use of genetic testing in employment and insurance, encompassing international sources – including human rights norms – that may be binding or non-binding, as well national statutory, regulatory and soft-law mechanisms. Accordingly, some of the texts examine general frameworks relevant to genetic testing in each country, including those that stem from general anti-discrimination rules and norms protecting rights to autonomy, self-determination, confidentiality and privacy. In closing, the authors provide an overview of the efficiency of their respective legal regimes’ approaches – specific and generalist – to genetic testing or disclosure of genetic information in the employment or insurance contexts, including the effect of lack of legal guidance. In this regard, some of the authors highlight the need for transnational action in the field and make recommendation for future legal developments.
Assessing Genetic Risks
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Author : Institute of Medicine
language : en
Publisher: National Academies Press
Release Date : 1994-01-01
Assessing Genetic Risks written by Institute of Medicine and has been published by National Academies Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994-01-01 with Medical categories.
Raising hopes for disease treatment and prevention, but also the specter of discrimination and "designer genes," genetic testing is potentially one of the most socially explosive developments of our time. This book presents a current assessment of this rapidly evolving field, offering principles for actions and research and recommendations on key issues in genetic testing and screening. Advantages of early genetic knowledge are balanced with issues associated with such knowledge: availability of treatment, privacy and discrimination, personal decision-making, public health objectives, cost, and more. Among the important issues covered: Quality control in genetic testing. Appropriate roles for public agencies, private health practitioners, and laboratories. Value-neutral education and counseling for persons considering testing. Use of test results in insurance, employment, and other settings.
Genetic Testing And Health Insurance
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Author : Dov Fox
language : en
Publisher:
Release Date : 2014
Genetic Testing And Health Insurance written by Dov Fox and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014 with categories.
This Article argues that our growing powers of genetic testing to identify individual health risks threaten to unravel the moral logic of health insurance. Some people are blessed with healthy genes and environments, while others are cursed with ill health. Spreading among groups the unknown risk that any particular individual or group will suffer disease and disability promotes values of social solidarity and mutual support by encouraging people, even if unwittingly, to share their fates with others.But increasingly reliable methods of genetic testing have private insurance providers clamoring for access to new types of predictive health information. The availability of more precise information about health risks that people did not choose and cannot control will make it possible for insurers to more finely disaggregate risk and premium levels among individuals. Smaller risk pools have serious costs: they diminish the incentive to participate; genetic risk classifications will put pressure on providers to deny coverage to those with the worst genetic luck; and fear of genetic discrimination will discourage individuals from reaping the health benefits of genetic testing. I argue that antidiscrimination legislation -- Congress's solution to these problems as of 2005 when this Article was written -- would cripple private insurance providers. I conclude that society should abandon the longstanding system of setting health insurance rates according to individual risk-factors, and, in its place, adopt a community rating system that balances free-market values with those of mutual trust and solidarity.
The Potential For Discrimination In Health Insurance Based On Predictive Genetic Tests
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Author : United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection
language : en
Publisher:
Release Date : 2001
The Potential For Discrimination In Health Insurance Based On Predictive Genetic Tests written by United States. Congress. House. Committee on Energy and Commerce. Subcommittee on Commerce, Trade, and Consumer Protection and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Business & Economics categories.
Genetics And Insurance
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Author : T. McGleenan
language : en
Publisher: Bios Scientific Pub Limited
Release Date : 1999-01-01
Genetics And Insurance written by T. McGleenan and has been published by Bios Scientific Pub Limited this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999-01-01 with Medical categories.
"The use of genetic screening and testing techniques in relation to life and health insurance raises serious legal and ethical issues. Pressure is now mounting for legislative responses to the perceived threats. Genetics and Insurance addresses the issues at the heart of this debate and provides an analytical framework on which to shape policy." "Genetics and Insurance offers practical guidance to geneticists, medical and bio-ethicists, philosophers, insurance company representatives, and policy makers."--BOOK JACKET.Title Summary field provided by Blackwell North America, Inc. All Rights Reserved
Fulfilling The Promise Of Genetics Research
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Author : United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions
language : en
Publisher:
Release Date : 2001
Fulfilling The Promise Of Genetics Research written by United States. Congress. Senate. Committee on Health, Education, Labor, and Pensions and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Business & Economics categories.
Genetic Information And Health Insurance
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Author : NIH-DOE Task Force on Genetic Information and Insurance
language : en
Publisher:
Release Date : 1993
Genetic Information And Health Insurance written by NIH-DOE Task Force on Genetic Information and Insurance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with categories.