Genes and Insurance: Ethical, Legal and Economic Issues

ISBN-13: 9780521830904 / Angielski / Twarda / 2003 / 180 str.

Marcus Radetzki; Marian Radetzki; Niklas Juth

Opis

The authors of this study emphasize the effectiveness of collectively funded public insurances as opposed to genetic information regulation within the private insurance sector. Genetics has provided tools to determine individuals' risk of future disease, which is of key interest for insurance companies in determining insurance premiums; but persons with high enough risk may remain uninsured. For this reason, genetic information has been regulated. But, regulation may not be the solution, according to the authors, and they call for the resumption of social insurance, a key element of the welfare state.

Recenzje

'Genes and Insurance is both thought provoking and a good read …' Ken Davidson, Chairman of Crispin Speers & Partners (Lloyds Brokers), past Chairman of the British Insurance Law Association

Spis treści

Preface; 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 legislation build on a consistent foundation?; Part III. Ethical Aspects: 7. Ethical arguments for and against the right of insurance companies to genetic information; Part IV. Evaluation: 8. Conclusions and policy implications; Bibliography; Index.