Genes and Insurance Ethical Legal and Economic Issues 1st Edition by Marcus Radetzki, Marian Radetzki, Niklas Juth ISBN 1139438891 9781139438896

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Product details:

ISBN 10: 1139438891

ISBN 13: 9781139438896 

Author: Marcus Radetzki, Marian Radetzki, Niklas Juth 

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.

Table of contents:

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

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Tags: Marcus Radetzki, Marian Radetzki, Niklas Juth, Genes, Insurance, Ethical Issues, Legal Issues, Economic Issues