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Genetics body wants ban on two-tier insurance

The Human Genetics Commission is calling on the Government to ban a proposed two-tier system of insurance in which people without adverse family health history get cheaper cover.

The report, entitled Inside Information, recommends that the Government&#39s genetics and insurance committee should examine the way the insurance industry uses family information to set premiums.

But the report falls short of calling for the inclusion of family medical information in the five-year moratorium on the use of genetic information, which was agreed last year by the insurance industry. It says the industry should investigate new methods of pooling risk so those affected by genetic disorders can get life and health insurance.

The HGC also recommends that protection should be enshrined in a new Genetic Discrimination Act rather than an amended Disability Act.

ABI head of health Richard Walsh says: “We strongly support the need to look at models of providing insurance that could be implemented after the moratorium finishes.

“It will be important to ensure that any future arrangements are sensitive to ethical concerns and can operate effectively in practice.”

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