Genes and Insurance (Paperback)

Marcus Radetzki

ISBN 10: 0521054508 / ISBN 13: 9780521054508

Published by Cambridge University Press, Cambridge, 2008

About this Item

Paperback. 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. The genetic information that is available to insurance companies has often been regulated to avoid certain ethical difficulties. However, regulation may not be the solution, argue the authors, and suggest instead the resurrection of collectively funded public insurances. This will interest academic researchers and professionals involved with genetics and insurance. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability.

Seller Inventory # 9780521054508

Bibliographic Details

• Title: Genes and Insurance (Paperback)
• Publisher: Cambridge University Press, Cambridge
• Publication Date: 2008
• Language: English
• ISBN 10: 0521054508
• ISBN 13: 9780521054508
• Binding: Paperback
• Edition: 1st Edition
• Condition: new

About this title

Synopsis

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.

Book Description

Social insurance is being partially dismantled, and the importance of private insurance is growing in consequence. Genetics has provided tools to determine the 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, argue the authors, and suggest instead the resurrection of collectively funded public insurances. This will interest academic researchers and professonials involved with genetics and insurance.