Zimmerman S E
American Council of Life Insurance, Washington, DC 20004, USA.
Genet Test. 1998;2(1):3-8. doi: 10.1089/gte.1998.2.3.
Questions regarding insurance companies' access to and use of genetic test results and genetic information have been raised since the advent of the Human Genome Project. The ability to place applicants of similar risks in groups, a process known as underwriting, is critical to the availability and affordability of individually underwritten life, disability income, and long-term care insurance. This paper focuses on how life insurance companies use medical information and particularly genetic test results and other genetic information in the risk assessment process. Issues and concerns raised about differences between routine medical information and genetic information are addressed and policies with regard to privacy and confidentiality are presented.
自人类基因组计划问世以来，有关保险公司获取和使用基因检测结果及基因信息的问题就一直存在。将具有相似风险的申请人划分到不同组别（即承保）的能力，对于个人承保的人寿保险、残疾收入保险和长期护理保险的可得性和可承受性至关重要。本文重点关注人寿保险公司在风险评估过程中如何使用医疗信息，特别是基因检测结果和其他基因信息。文中讨论了常规医疗信息与基因信息之间差异引发的问题和担忧，并介绍了隐私和保密方面的政策。
