The Use of Genetic Information in the Implementation of Insurance: Current Problems and Prospects for their Solution

Vladimir  Nikiforov; Ekaterina Suvorova; Sergey Zenin

doi:10.18690/mls.13.1.93-104.2020

Vladimir Nikiforov Federal Research and Clinical Center of the Federal Medical-Biological Agency, Department of Hygiene, Epidemiology and Infectious Diseases
Ekaterina Suvorova Joint Stock Insurance Company "Allianz”, Legal department
Sergey Zenin Moscow State Law University named after O.E. Kutafina (MSAL), Research Institute

DOI: https://doi.org/10.18690/mls.13.1.93-104.2020

Keywords: personal insurance, genetic testing, epigenetic changes, legislation, diagnostic and prognostic tests

Abstract

Increasing the efficiency of risk assessment for the purposes of personal insurance is impossible without using the latest achievements of modern science. This translates into a growing interest in the use of genetic research results by insurers, which manifests itself not only in legislation and insurers’ practices, but also in international recommendations on personal medical data processing for insurance purposes. Based on analysis of foreign practices, the authors determine priority areas of respective legislation development, in particular, legislative recognition of a ban on insurers’ access to genetic data in the context of obligatory medical insurance and group insurance programs; granting insurers the right to use genetic testing results for the purposes of life insurance, personal accident and sickness insurance, voluntary medical insurance, if the sum insured exceeds a statutory threshold.

The reported study was funded by Russian Foundation for Basic Research (RFBR) according to Research Project No. 18-29-14056.

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Author Biographies

Vladimir Nikiforov, Federal Research and Clinical Center of the Federal Medical-Biological Agency, Department of Hygiene, Epidemiology and Infectious Diseases

Moscow, Russian Federation. E-mail: ipk6019086@yandex.ru.

Ekaterina Suvorova, Joint Stock Insurance Company "Allianz”, Legal department

Moscow, Russian Federation. E-mail: ekaterina.suvorova@allianz.ru.

Sergey Zenin, Moscow State Law University named after O.E. Kutafina (MSAL), Research Institute

Moscow, Russian Federation. E-mail: zeninsergei@mail.ru.

References

Legislation and legal documents

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The Constitution of the Russian Federation: Adopted at National Voting on December 12, 1993, retrieved from: http://www.constitution.ru/en/10003000-01.htm (27. 6. 2019).

References

Nikiforov, V. V. et al. (2019) Practical Importance of Genetic Research Results when Developing an Recent Technology and Engineering, 8(2), retrieved from https://www.ijrte.org/wpcontent/uploads/papers/v8i2/B3098078219.pdf (1. 4. 2020).

Deutscher Ethikrat, Hrsg. (2013) Die Zukunft der genetischen Diagnostik – von der Forschung in die klinische Anwendung (Berlin: DeutscherEthikrat), pp. 20–21, retrieved from https://www.ethikrat.org/fileadmin/Publikationen/Stellungnahmen/deutsch/stellungnahme-zukunft-der-genetischen-diagnostik.pdf (1. 4. 2020).