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Old 15-01-20, 22:51
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Default DNA tests and insurance in the UK

I've just seen this in "Family Tree" magazine and thought it might be worth pointing out to those in the UK who are worried about insurance implications, though of course it doesn't apply in other countries:

The Association of British Insurers has an agreement with the Government about the use of predictive genetic testing... The Code specifially prevents companies from using the results of a predictive genetic test for insurance purposes. The only exception is if you are applying for life insurance of over £500,000 and you have had a test for Huntington's disease.

So no need to worry.
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Old 16-01-20, 00:14
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That's good to know.
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Old 16-01-20, 07:41
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Insurance only works if thousands of people who will never need it pay in, supporting the few who do.

If we knew we would not need insurance, we probably would not take it out. Insurance companies would not wish to discourage us from taking out insurance unless it is only the high-risk that do so.

Predictive tests don't sound particularly accurate at the moment, but that will change, at which point the number of exclusions are likely to increase.
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Old 16-01-20, 13:46
Olde Crone Olde Crone is offline
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As Phoenix says, insurance only works if thousands pay in who never claim, so it is in theinsurance companys' best interests to let everyone insure themselves. The problems arise when you eventually try to claim....same as any other kind of insurance, so I don't find this announcement particularly reassuring!

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Old 16-01-20, 14:50
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It isn't an announcement - it would have been announced a couple of years ago but I hadn't heard about it before. More info on here:
https://www.gov.uk/government/public...-and-insurance
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Old 17-01-20, 11:08
Olde Crone Olde Crone is offline
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I wonder why Huntington's is excluded? There are other equally awful life limiting conditions which are genetically predictable.

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Old 19-01-20, 07:20
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Quote:
Originally Posted by Olde Crone View Post
I wonder why Huntington's is excluded? There are other equally awful life limiting conditions which are genetically predictable.

OC
Not sure, but you have a 50% chance of inheriting Huntingtons even with only one parent with the gene mutation. It could be that.
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Old 19-01-20, 09:58
Olde Crone Olde Crone is offline
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I have been reading up on the insurance companies' stance on this and still cannot find out why Huntington's is singled out, but I note that it says a person is insured on the grounds of the knowledge they have at the time of taking out insurance.I

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Old 22-01-20, 13:58
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Son has taken DNA test but neither of us have any knowledge from it of any illnesses he might be susceptible to.
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Old 22-01-20, 14:00
Olde Crone Olde Crone is offline
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JBee

No, you may not know, but there is a possibility that someone does now know and I think that is what the insurance world was so uneasy about.

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