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Vol 21 No 9 Sept/Oct 2016

Book of the Month

Cover of Goode on Commercial Law

Goode on Commercial Law

Edited by: Ewan McKendrick
Price: £170.00

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Genes and Insurance: Ethical Legal and Moral Issues

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Marcus RadetzkiStockholms Universitet, Marian RadetzkiStockholms Universitet, Niklas JuthGoteborgs Universitet, Sweden

ISBN13: 9780521830904
ISBN: 0521830907
Published: June 2003
Publisher: Cambridge University Press
Country of Publication: UK
Format: Hardback
Price: £79.99
Paperback edition , ISBN13 9780521054508

This is a Print On Demand Title.
The publisher will print a copy to fulfill your order. Books can take between 1 to 3 weeks. Looseleaf titles between 1 to 2 weeks.

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 becoming 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.

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Insurance Law, Medical Law
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 the legislation build on a consistent foundation?
Part III. Ethical Aspects:
7. Ethical arguments for and against insurance companies' right to genetic information
Part IV. Evaluation:
8. Conclusions and policy implications