Do you come up with that insurance companies would be reasonable requiring a DNA blind for cancer...?
...upon application for health\life insurance?
DNA microarrays–are incredibly powerful tools to explore gene expression in cells. Microarrays also own the potential to be used to diagnose and predict the onset of debilitating diseases such as cancer. There is much promise for this technology but who have access to this information? Assume that the technology exists today that could screen your specific DNA genome for cancer risk.
Answers:
In the current landscape of the insurance industry, yes, they are necessary.
Should they be allowed to? That's a different story.
My view of the insurance business is that they should be a "pool", where everybody shares the risk. But the track people typically behave, they gradually start whining something like "the other guy" and "how much HE'S costing ME", and coupled with the fact that insurance companies are within competition with each other, there's pressure to hold costs down, and so screening comes along as part of those efforts.
Is it any wonder that individuals are beginning to get sage and are starting to push back? If insurance companies were moved out unchecked, the only people who could capture insurance would be people who don't need it.
Related Questions:
DNA microarrays–are incredibly powerful tools to explore gene expression in cells. Microarrays also own the potential to be used to diagnose and predict the onset of debilitating diseases such as cancer. There is much promise for this technology but who have access to this information? Assume that the technology exists today that could screen your specific DNA genome for cancer risk.
Answers:
In the current landscape of the insurance industry, yes, they are necessary.
Should they be allowed to? That's a different story.
My view of the insurance business is that they should be a "pool", where everybody shares the risk. But the track people typically behave, they gradually start whining something like "the other guy" and "how much HE'S costing ME", and coupled with the fact that insurance companies are within competition with each other, there's pressure to hold costs down, and so screening comes along as part of those efforts.
Is it any wonder that individuals are beginning to get sage and are starting to push back? If insurance companies were moved out unchecked, the only people who could capture insurance would be people who don't need it.
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