Genes and Insurance
Ethical, Legal and Economic Issues
1st Edition
Published on 20. December 2004
978-0-511-05661-1 (ISBN)
Description
The 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 the survival of private personal insurance. Instead, we should look towards the resurrection of social insurance, a key component of the welfare state. This will interest academic researchers as well as professionals involved with genetics and insurance.
Reviews / Votes
'... this timely book, a welcome translation from the Swedish original ... This excellent book tells a cautionary tale about the prospects of total and partial regulation ...' The King's College Law Journal 'The legal and moral implications of genetic testing and insurance risk assessment are of growing importance as our knowledge of genetics and their impact on the development of disease increases. This book looks at the subject from ethical and economic angles, as well as from a legal viewpoint, and should be read by all those interested in the ongoing debate on the extent to which disclosure of genetic information to insurers should be regulated.' Actuary '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 AssociationMore details
Series
Language
English
Place of publication
Cambridge
United Kingdom
Publishing group
Cambridge University Press
Target group
Professional and scholarly
Illustrations
Worked examples or Exercises
File size
1,14 MB
ISBN-13
978-0-511-05661-1 (9780511056611)
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Schweitzer Classification
Other editions
Additional editions
Marcus Radetzki | Marian Radetzki | Niklas Juth
Genes and Insurance
Ethical, Legal and Economic Issues
Book
01/2008
Cambridge University Press
€48.40
Shipment within 15-20 days
Marcus Radetzki | Marian Radetzki | Niklas Juth
Genes and Insurance
Ethical, Legal and Economic Issues
Book
11/2003
Cambridge University Press
€132.60
Shipment within 15-20 days
Persons
Content
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.
