Faculties of Law and Medicine, Dalhousie University, Halifax, Nova Scotia, Canada.
Account Res. 2011 Jan;18(1):31-44. doi: 10.1080/08989621.2011.542681.
One of the phenomena associated with research is "incidental findings," that is, unexpected findings made during the research, and outside the scope of the research, which have potential health importance. One underappreciated risk of incidental findings is the potential loss of the research subject's insurability; or if a research subject fails to disclose incidental findings when applying for insurance, the insurance contract may be voidable by the insurer. In this article, we seek to explain the insurability risks associated with incidental findings and to make recommendations for how researchers and research ethics committees should address the issue of disclosure of these risks.
研究中出现的一个现象是“偶然发现”，即在研究过程中发现的、不在研究范围内但具有潜在健康重要性的意外发现。偶然发现的一个被低估的风险是研究对象可能失去保险资格；或者如果研究对象在申请保险时未披露偶然发现，保险公司可以使保险合同无效。本文旨在解释与偶然发现相关的保险风险，并就研究人员和研究伦理委员会应如何处理这些风险的披露问题提出建议。
