Predictivity, genetic tests and insurance law.
An increasing discussion today consists of whether emerging genetic tests will provide a powerful tool for individual risk assessments for the life, health, disability and accident policies underwritten by private insurance companies and what could be the consequences of this for the insurance contract system built throughout the last decades. Thus, access to such risk information will facilitate more precise actuarial premium assessments.
Romeo Casabona
Carlos Maria
CM
Inter-University BBVA Foundation, Bilbao, Spain.
D005062:European Union; D005820:Genetic Testing / Q000592:standards*; D006801:Humans; D007341:Insurance / Q000331:legislation & jurisprudence*; D011237:Predictive Value of Tests