Ethical Issues Resulting from Genetic Technology

J. Alexander Lowden

North American Actuarial Journal, 1999, vol. 3, issue 1, 67-78

Abstract: Genetic tests are laboratory procedures that identify changes in our genes. Most human disease results, in whole or in part, from alterations in genes. Because the tests are expected to have incredible predictive power and because they may tell us personal information before we are ready to receive it, testing requested by a third party could be considered an infringement on privacy. Furthermore, the technology is new and thus subject to errors in interpretation that could result in unfair discrimination against the person who has been tested. Genes are inherited and are found not only in a single individual but also in some blood relatives. A genetic test therefore involves many people and invades the privacy of all. This paper questions the right of insurers to demand genetic tests but notes that by concealing the results of tests, applicants may practice adverse selection. If ethics are rules of conduct that society requires, then insurers will need to reexamine their ethical responsibilities in the light of this new technology.

Date: 1999
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DOI: 10.1080/10920277.1999.10595775

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