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Home > Business & Economics > Insurance - General > Genes and Insurance-eBook
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Genes and Insurance
 
 
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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 becoming 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.
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Title of ebook: Genes and Insurance
ISBN: 9780511056611
Publisher: Cambridge University Press
Internet download file size: 1137 kb
Pages: 178
Released online for download: 11-05-1999
Author of eBook: Radetzki, Marcus
Author of eBook: Radetzki, Marian
Author of eBook: Juth, Niklas



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