Genes and Insurance
Ethical, Legal and Economic Issues

Considers problems associated with genetic information in an age of declining welfare provision, and offers direction for future policy.

Marcus Radetzki (Author), Marian Radetzki (Author), Niklas Juth (Author)

9780521830904, Cambridge University Press

Hardback, published 6 November 2003

180 pages
22.9 x 15.2 x 1.4 cm, 0.44 kg

'Genes and Insurance is both thought provoking and a good read …' Ken Davidson, Chairman of Crispin Speers & Partners (Lloyds Brokers), past Chairman of the British Insurance Law Association

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.

Preface
1. Introduction
Part I. Starting Points: 2. The terminology and possibilities of genetics
3. Opportunities for insurers to use genetic information
Part II. Social, Economic and Legal Aspects: 4. Social insurance in the modern welfare state: emergence, maturity and partial dismantling
5. International trade in personal insurance
6. Prohibitions against discrimination in the private sphere: does legislation build on a consistent foundation?
Part III. Ethical Aspects: 7. Ethical arguments for and against the right of insurance companies to genetic information
Part IV. Evaluation: 8. Conclusions and policy implications
Bibliography
Index.

Subject Areas: Medical ethics & professional conduct [MBDC], Medical & healthcare law [LNTM], Insurance law [LNPN], Social & political philosophy [HPS]