Conflict And Coordination Between Genetic Privacy And Genetic Right To Know In Commercial Insurance

Commercial insurance companies as the main body of market operation of social security,under the drive of commercial interest,the insurance company as an underwriter,as much as possible to understand the physiological information of insurant,can more clearly know the potential risk of commercial insurance mark,the more accurately set insurance costs.With the continuous development of science and technology,the human genome analysis program has entered the "post-genome era",and it is imperative to use the analytical information in various fields of human life.The genetic information is widely used in the study of human gene function and expression mechanism,the relationship between the various diseases and achieved certain results,genetic information to predict the body's ability to disease risk is also more and more high,in the field of commercial insurance underwriter is more urgent hope that by understanding the genetic information of insurant,insurance as a request of decision-making and reference,protect the interests of the insurer's biggest.Whether the condition of personal genetic information at the same time,with its own access to commercial insurance necessary contact conditions is established,how to guarantee citizens are "fair treatment" in the process of insurance and the insurance company reasonable use citizens' genetic information,as this article will elaborate the main points of the.