Γενετικές εξετάσεις και ασφάλιση
Genetic tests and insurance
Καπτανής, Σαράντος Δ.
SubjectLife insurance ; Health insurance ; Genetic screening -- Moral and ethical aspects ; Γενετική ; Ασφάλεια ζωής ; Ασφάλιση
Two social transformations are discussed in the present study: progress in genetics and the decomposition of the social state. The findings of Genetics are becoming more and more useful and accessible, and insurance organisations aspire to accessing genetic material from insurance applicants to accurately underwrite their risk, individually pricing insurance policies. Medical, legal, political, social, economic and ethical issues arise as economic rights of persons and insurance organisations are affected, there is an impact on access to health services and of course the limits of privacy, individual rights and autonomy are under discussion as a solution is sought to achieve both social and actuarial fairness. The possibility of change from publicly funded to private insurance systems in the future makes the issue of whether genetic tests should be allowed in the insurance context an immediate health policy problem requiring a solution through social discussion in a democratic society. The eventuality of creating a fringe genetic proletariat must be avoided, either through self-regulation of the insurance market ( ethical insurance ) or by strict law reform that will fortify social solidarity and ensure access to insurance for all those who need it.