Should Australia Ban the Use of Genetic Test Results in Life Insurance?

ABSTRACT: Under current Australian regulation, life insurance companies can require applicants to disclose all genetic test results, including results from research or direct-to-consumer tests. Life insurers can then use this genetic information in underwriting and policy decisions for mutually rated products, including life, permanent disability, and total income protection insurance. Over the past decade, many countries have implemented moratoria or legislative bans on the use of genetic information by life insurers. The Australian government, by contrast, has not reviewed regulation since 2005 when it failed to ensure implementation of recommendations made by the Australian Law Reform Commission. In that time, the Australian life insurance industry has been left to self-regulate its use of geneti

SUBMITTER: Tiller J 

PROVIDER: S-EPMC5733354 | biostudies-literature | 2017

REPOSITORIES: biostudies-literature