Genes and Insurance by Marcus Radetzki, Marian Radetzki, Nikl... - 9780521830904

Genes and InsuranceEthical, Legal and Economic Issues\nAuthor(s): Marcus Radetzki, Marian Radetzki, Niklas Juth\nFormat: Hardback\nPublisher: Cambridge University Press, United Kingdom\nImprint: Cambridge University Press\nISBN-13: 9780521830904, 978-0521830904\nSynopsis\nThe 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 .