alexa Insurance underwriting in the genetic era.
Clinical Research

Clinical Research

Journal of Clinical Research & Bioethics

Author(s): Pokorski RJ

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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.

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This article was published in Am J Hum Genet and referenced in Journal of Clinical Research & Bioethics

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