Insurance underwriting in the genetic era.
Genetic technology is assuming a greater role in the practice of medicine.
Insurers have a vested interest because individually underwritten insurance cannot be sold without risk classification, and much of the medical information needed to classify risks will have a genetic component.
This paper reviews recent genetic advances and their potential impact on life, disability income, long-term care, and critical illness insurance.
Alzheimer disease is chosen to illustrate the effect of an organized effort to withhold medical information from insurance companies.
Consumers will not support a private insurance mechanism with extensive cross-subsidization among policyholders and where medical information becomes inviolate simply because it is genetic.
A framework for deliberations with the medical community is proposed.
Mots-clés Pascal : Assurance maladie, Assurance vie, Handicap, Classification, Risque, Information, Information biomédicale, Discrimination, Démence Alzheimer, Homme
Mots-clés Pascal anglais : Health insurance, Life insurance, Handicap, Classification, Risk, Information, Biomedical information, Discrimination, Alzheimer disease, Human
Notice produite par :
Inist-CNRS - Institut de l'Information Scientifique et Technique
Cote : 97-0130692
Code Inist : 002B30A07E. Création : 21/05/1997.