Sussex Law School, School of Law, Politics and Sociology, University of Sussex, Falmer, East Sussex, BN1 9QQ, UK.
Health Care Anal. 2010 Sep;18(3):279-93. doi: 10.1007/s10728-009-0137-9.
This paper considers the legal position of genetic test results in insurance law in England and Wales. The strict position is that this information is material to the decision of the insurer to offer insurance cover and should be disclosed by insurance applicants. However, the British Government and the Association of British Insurers have agreed to a moratorium on the use of genetic test results in insurance, which will run until 2014. The moratorium prohibits unfavourable treatment of insurance clients on their basis of their genetics, unless it can be justified. In this paper, I consider the notion of genetic discrimination and ask whether it is possible to justify the concept in such a way that its existence should be accepted. The paper suggests that the insurance industry and the general public have different viewpoints on the concept of discrimination, and that this causes much of the disagreement over the issue of using genetic test results in insurance.
本文探讨了英国和威尔士保险法中基因检测结果的法律地位。严格来说，这些信息对保险公司决定是否提供保险承保至关重要，保险申请人应予以披露。然而，英国政府和英国保险协会已同意暂停基因检测结果在保险中的使用，直至 2014 年。暂停期间，除非有正当理由，否则不得基于客户的基因状况对其进行不利的保险待遇。本文探讨了基因歧视的概念，并探讨了是否可以通过某种方式证明这一概念的合理性，从而接受其存在。本文认为，保险行业和公众对歧视的概念有不同的看法，这也是导致在保险中使用基因检测结果问题上存在分歧的主要原因。
