基因檢測得否為保險核保資訊之芻議【本期企劃】 試閱
A Discussion on Allowing the Use of Genetic Testing Results in Insurance Underwriting
保險制度為分散風險之機制，以人身保險為例，保險業者需獲得被保險人相關體況資訊以評估危險、決定承保條件與費率。基因科技發展使人類得以預測未來健康狀況及罹病機率，從合理估計風險之角度，此類資訊本應提供予保險人作為核保考量。但基因資訊具獨特性，倘作為人身保險核保依據，亦產生侵害隱私權以及基因歧視之質疑。基此，本文試就上述議題為分析，希冀作為日後對於基因資訊於人身保險使用規範之法律政策參考。
Insurance systems function as risk distribution mechanisms. In the context of life insurance, insurers require access to relevant health information of the insured to assess risks and determine underwriting conditions and premium rates. The advancement of genetic technology has enabled the prediction of future health status and disease susceptibility. From the perspective of reasonable risk estimation, such information should be provided to insurers for underwriting considerations. However, genetic information possesses distinctive characteristics, and its utilization as a basis for life insurance underwriting raises concerns regarding privacy infringement and genetic discrimination. Above all, this research paper analyzes the relevant issues, and the author hopes this research paper would serve as a reference for legal policies concerning the regulation of genetic information use in life insurance.
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