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Genes and Insurance : Ethical, Legal and Economic Issues - Marcus Radetzki

Genes and Insurance

Ethical, Legal and Economic Issues

Hardcover Published: 6th November 2003
ISBN: 9780521830904
Number Of Pages: 180

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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 jeopardise 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.

Industry Reviews

'... this timely book, a welcome translation from the Swedish original ... This excellent book tells a cautionary tale about the prospects of total and partial regulation ...' The King's College Law Journal 'The legal and moral implications of genetic testing and insurance risk assessment are of growing importance as our knowledge of genetics and their impact on the development of disease increases. This book looks at the subject from ethical and economic angles, as well as from a legal viewpoint, and should be read by all those interested in the ongoing debate on the extent to which disclosure of genetic information to insurers should be regulated.' Actuary '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

Starting Points
The terminology and possibilities of genetics
Opportunities for insurers to use genetic information
Social, Economic and Legal Aspects
Social insurance in the modern welfare state: emergence, maturity and partial dismantling
International trade in personal insurance
Prohibitions against discrimination in the private sphere: does legislation build on a consistent foundation?
Ethical Aspects
Ethical arguments for and against the right of insurance companies to genetic information
Conclusions and policy implications
Table of Contents provided by Publisher. All Rights Reserved.

ISBN: 9780521830904
ISBN-10: 0521830907
Series: Cambridge Studies in the Law of Medicine
Audience: Professional
Format: Hardcover
Language: English
Number Of Pages: 180
Published: 6th November 2003
Country of Publication: GB
Dimensions (cm): 22.8 x 15.24  x 1.422
Weight (kg): 0.435

Earn 502 Qantas Points
on this Book