Research On Genetic Discrimination In Insurance And Its Law Countermeasure

Genetic discrimination is an emerging problem of the advances in gene technology. General ethicists and jurists called for a ban on genetic discrimination, to protect the interests of privacy, to protect their basic living. This, of course, is the most straight forward approach. But with such a request, commercial insurance will distort the principle of voluntarism. Because the operation of the insurance system is different treatment for different risk.Banning genetic discrimination lacks theoretical and practical basis. Genetic discrimination in insurance involves a lot of conflict. To judge the differential treatment based on genetic information with equality and justice, we should measure the interests and values, searching the most reasonable criteria in a structured framework. From the principle of equality, we can not ask commercial insurance to assume the responsibility of social insurance, otherwise it would cause a new unfair: Other policyholders as a commercial insurance carrier to bear the cost. From the principles of justice, in the development of gene technology at the same time, should also establish a reasonable system to protect the carrier's interests, At the same time allowing commercial insurance discrimination. The government should set up a special body to monitor insurance companies scientific and equitable use of genetic information.