Comparative perspectives: regulating insurer use of genetic information.

Comparative perspectives: regulating insurer use of genetic information.
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比较视角:规范保险公司对遗传信息的使用。

DOI:
10.1038/s41431-018-0293-1
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发表时间:
2019
期刊:
European journal of human genetics : EJHG
影响因子:
--
通讯作者:
Prince,AnyaER
Prince,AnyaER
中科院分区:
--
文献类型:
--
作者:
Prince,AnyaER

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由于害怕基因歧视,世界各地的个人都避免医学上推荐的基因检测和参与基因组学研究,由于研究和临床护理受到阻碍,造成了潜在的健康影响。作为回应,许多国家采取了政策,规范人寿、残疾或重大疾病保险公司等保险公司如何利用基因检测结果进行承保。本文通过对代表保险、政府、倡导、学术界和遗传学的59个关键利益相关者的访谈分析,对英国、加拿大和澳大利亚的政策进行了比较。虽然每个国家的最终政策不同,但所提出的政策动机和问题在各国有共同之处,特别是围绕公平、遗传信息的有用性和确定精算公平的主题。
Fear of genetic discrimination has led individuals worldwide to avoid medically recommended genetic testing and participation in genomics research, causing potential health effects as research and clinical care are stymied. In response, many countries have adopted policies that regulate how insurers, such as life, disability, or critical illness insurers, can underwrite using genetic test results. This article presents a comparison of policies in the United Kingdom, Canada, and Australia, through analysis of interviews with 59 key stakeholders representing insurance, government, advocacy, academia, and genetics. While the ultimate policy of each country is different, the policy motivations and issues raised share commonalities across the countries, particularly around themes of fairness, usefulness of genetic information, and the determination of actuarial fairness.
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