'Genetics is not the issue': insurers on genetics and life insurance.
This article offers an analysis of the way private insurers deal with the issue of genetics and insurance. Drawing on specific written insurance sources, a reconstruction is made of internal debates on genetics and insurance within the private insurance world in Europe and the United States. The article starts by analyzing the way insurers initially framed the issue of genetics. It proceeds by showing how ideas with respect to this issue developed beyond public policy debates in the nineties. Although not a strictly linear development, a trend towards a change in perspective can be demonstrated: at the beginning most insurance companies took another stance than they do nowadays. The article concludes by questioning the effect of these changes within the insurance world for the definition of the problem with respect to genetics and insurance. Does taking into account the public concerns around genetics also include taking genetics as a public problem?
Van Hoyweghen
Ine
I
Department of Health Care Studies, Section Health Ethics and Philosophy, University of Maastricht, P.O. Box 616, 6200 MD Maastricht, The Netherlands. i.vanhoyweghen@zw.unimaas.nl
Horstman
Klasien
K
Schepers
Rita
R
D000206:Actuarial Analysis; D003625:Data Collection; D005060:Europe; D005820:Genetic Testing; D006801:Humans; D007221:Industry / Q000191:economics / Q000941:ethics; D015273:Insurance Selection Bias; D007352:Insurance, Life; D008119:Lobbying; D016134:Organizational Policy; D017149:Private Sector; D011640:Public Policy; D011641:Public Relations; D018570:Risk Assessment / Q000458:organization & administration / Q000706:statistics & numerical data; D006113:United Kingdom; D014481:United States