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  1. Insurance underwriting in the genetic era.

    Article - En anglais

    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

    Logo du centre Notice produite par :
    Inist-CNRS - Institut de l'Information Scientifique et Technique

    Cote : 97-0130692

    Code Inist : 002B30A07E. Création : 21/05/1997.