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There has been no shortage of comment on the likely impact of genetics on the insurance industry, but precious little research into behaviours, experience and attitudes. A new research project will provide valuable information.



Cans and Can'ts, Dos and Don'ts
In its report on genetics and insurance published in March 2001, the House of Commons Select Committee on Science and Technology concluded that the insurance industry had failed to give the public "clear and straightforward information" about its policy on the use of genetic tests results. Insurers, the committee said, appeared to have been "far more interested in establishing their future right to use genetic test results in assessing premiums, than in whether or not they are reliable or relevant".

The committee called for a voluntary moratorium on the use of all positive genetic test results by insurers for at least two years. During this time, it said, more research should be done to establish the actuarial and scientific relevance of genetic test results to the assessment of premiums, and the possible consequences for research and healthcare.

Also in 2001, the Human Genetics Commission, which is the Government's advisory body on how new developments in human genetics will impact on people and on healthcare, likewise recommended a moratorium lasting at least three years. It said it would also want to address the issue of how information about family history is used by insurers during the period of the moratorium.

The moratorium was agreed between the Government and the Association of British Insurers in October 2001. It allows people to obtain up to £500 000 of life insurance and £300 000 of critical illness, income protection and long-term care insurance, without having to disclose any genetic test results.

Speaking in October 2001, Mary Francis, Director General of the Association of British Insurers, said: "This agreement will enable us to have a rational and informed discussion about the best way forward for the UK on genetics and insurance...there is a complex web of issues to consider, including the principle that insurance companies should have access to the same information as applicants."

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