Genetic Information And Life Insurance
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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.
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 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.
Risks In The Making
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Author : Ine van Hoyweghen
language : en
Publisher: Amsterdam University Press
Release Date : 2007
Risks In The Making written by Ine van Hoyweghen and has been published by Amsterdam University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with Social Science categories.
In recent decades, insurance companies, scientists, and public officials have debated the potential use of genetic testing in insurance decisions. With Risks in the Making, Ine van Hoyweghen alters the terms of the debate, moving it from abstract, theoretical grounds to the question of how insurance companies actually work. Through an empirical ethnographic study of life insurance in Belgium, van Hoyweghen reveals fascinating and important details about insurance practices and risk management, underscoring the diversity of insurance markets, underwriting practices, and strategies.
Genetic Information And Life Insurance
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Author : Robert J. Pokorski
language : en
Publisher:
Release Date : 1995
Genetic Information And Life Insurance written by Robert J. Pokorski and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Genetics categories.
Genetics And Insurance
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Author : Alexander Morgan Capron
language : en
Publisher:
Release Date : 2013
Genetics And Insurance written by Alexander Morgan Capron and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2013 with categories.
While the right to privacy is not a single concept, many disparate aspects coalesce in a basic interest all persons have in controlling the direction and content of their lives, the way in which they experience their lives, and the way in which their lives are perceived by others. This interest in self-determination, which serves important social interests, finds strong support in common and constitutional law, subject to limitations imposed in the name of a free press. Obtaining and using information about our genetic make-up implicates the right of privacy both because a deterministic view of the findings from genetic tests may undermine our exercise of self-authorship and because access by others--such as insurance companies--to such data (like access to other medical information) alters how they regard and treat us. While gene testing is unlikely to play a role in most health insurance for practical as well as principled reasons, companies issuing life insurance policies may face competitive pressures to obtain and use the results of the growing number of gene tests. Several states have taken steps to restrict insurers' ability to use genetic information in reviewing applications. It seems justifiable to prevent insurers from mandating that applicants undergo genetic screening (at least on an interim basis, when such data are of dubious actuarial significance and trench so deeply on important individual interests in privacy), but as more validated (that is, nonexperimental) gene tests become available, insurers will need to obtain and use any test results possessed by applicants.
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.
The Value Of Genetic Information In The Life Insurance Market
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Author : Michael Hoy
language : en
Publisher:
Release Date : 2012
The Value Of Genetic Information In The Life Insurance Market written by Michael Hoy and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with categories.
This paper analyzes the effects of additional information in a life insurance market under adverse selection. It is shown that individuals have an incentive to acquire information about their risk type if their informational status cannot be observed by insurers. In aggregate, the existence of a testing opportunity has an effect on the equilibrium premium. We describe the conditions under which, from an ex ante standpoint, all individuals gain, all lose or in which some gain and some lose from the existence of the test.
Genetic Information And The Duty Of Disclosure In Life Insurance
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Author : Sharon Louise Collins
language : en
Publisher:
Release Date : 2007
Genetic Information And The Duty Of Disclosure In Life Insurance written by Sharon Louise Collins and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2007 with categories.
Protection Of Human Genetic Information
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Author : Australia. Law Reform Commission
language : en
Publisher: Sydney : Australian Law Reform Commission
Release Date : 2001
Protection Of Human Genetic Information written by Australia. Law Reform Commission and has been published by Sydney : Australian Law Reform Commission this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Data protection categories.
13. Law enforcement issues