The British Medical Association is warning that rapid advances in genetic testing could undermine the concept of risk-based insurance.
A book by its medical ethics committee, 'Human Genetics: Choice and Responsibility', says access to insurance is "one of the most serious practical issues raised by genetic testing".
It says that the Association of British Insurer's genetic code of practice addresses many of the issues, but that the development of testing means there may be the need for a rethink in future.
And it calls for openness by people who have taken tests, saying results could have far reaching impacts on their family members.
The ABI code, released last year, covers the use of tests but was criticised because it was released on the same day the Government's Human Genetics Advisory Commission released a report.
The advisory committee is calling for a two year moratorium until more research has been done.