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Adverse selection, genetic testing and life insurance - lessons from health insurance in Australia

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Butler, J.R.G

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The use of predictive genetic tests in setting premiums for life insurance is a controversial issue. Critics argue inter alia that this is ‘discriminatory’, that it will lead to the creation of a ‘genetic underclass’, and that it can lead to individuals being coerced to obtain information that they might not otherwise wish to have. Advocates argue that it is necessary in order to avoid creating serious asymmetric information in the insurance industry with consequent...[Show more]

dc.contributor.authorButler, J.R.G
dc.date.accessioned2009-09-14T02:52:48Z
dc.date.accessioned2010-12-20T06:05:06Z
dc.date.available2009-09-14T02:52:48Z
dc.date.available2010-12-20T06:05:06Z
dc.identifier.citationAgenda 10.1 (2003): 73-89
dc.identifier.issn1322-1833
dc.identifier.issn1447-4735
dc.identifier.urihttp://hdl.handle.net/10440/836
dc.identifier.urihttp://digitalcollections.anu.edu.au/handle/10440/836
dc.description.abstractThe use of predictive genetic tests in setting premiums for life insurance is a controversial issue. Critics argue inter alia that this is ‘discriminatory’, that it will lead to the creation of a ‘genetic underclass’, and that it can lead to individuals being coerced to obtain information that they might not otherwise wish to have. Advocates argue that it is necessary in order to avoid creating serious asymmetric information in the insurance industry with consequent adverse selection. This paper is concerned with the adverse selection argument.
dc.format17 pages
dc.publisherAustralian National University
dc.rightshttp://epress.anu.edu.au/faqs/faqs_copyright.html#1 "Authors are not permitted to publish works published by ANU E Press on any other web site except their personal sites or sites associated with their institutions, as long as these are non-commercial sites. Authors are permitted to post the title and abstract of their book on any relevant web site as well as posting links on any site that direct readers to ANU E Press site." - from publisher web site (as at 19/02/10)
dc.sourceAgenda: A Journal of Policy Analysis and Reform
dc.source.urihttp://epress.anu.edu.au/agenda/010/01/10-1-A-7.pdf
dc.titleAdverse selection, genetic testing and life insurance - lessons from health insurance in Australia
dc.typeJournal article
local.description.refereedYes
local.identifier.citationvolume10
dc.date.issued2009-09-14T02:52:48Z
local.identifier.absfor140208
local.identifier.ariespublicationMigratedxPub14315
local.type.statusPublished Version
local.contributor.affiliationButler, James, Australian Centre for Economic Research on Health
local.bibliographicCitation.issue1
local.bibliographicCitation.startpage73
local.bibliographicCitation.lastpage89
dc.date.updated2015-12-12T08:02:22Z
CollectionsANU Research Publications

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