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Moratorium extended on genetic test results

The Association of British Insurers has extended until 2014 the moratorium enabling consumers to take out substantial amounts of insurance without having to disclose adverse res-ults of predictive genetic tests.

The decision comes after consultation with the Department of Health’s genetics and insurance committee.

The moratorium covers policies worth up to £500,000 for life insurance, £300,000 for critical-illness cover and £30,000 a year for income protection.

Even above these amounts, insurers will not use adverse predictive genetic test results unless the test has been approved by the Government. Only around 3 per cent of policies sold are above these limits.

ABI director general Stephen Haddrill says: “The moratorium on the use of predictive genetic test results works well for consumers. It means people can insure themselves and their families, even if they have had an adverse result from a predictive genetic test.”

A Government spokesperson says: “The Government will take account of the extension to the moratorium and other developments in carrying out the operational review of the 2005 concordat on genetics and insurance due this year.”

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