Originally posted by vetran
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Should DNA tests be routine?
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Originally posted by northernladyuk View PostLegislation can prevent insurance companies from taking it into consideration. Already happens in some jurisdictions - not sure about UK.Always forgive your enemies; nothing annoys them so much.Comment
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Originally posted by vetran View Posthmm you believe that?
What do you believe?Comment
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Originally posted by northernladyuk View PostI believe that my recent life assurance application did not include any space for genetic test results and the form specifically advised me not to include them in accordance with current legislation.
What do you believe?
They may be excluded at present but its a Pandora's box.Always forgive your enemies; nothing annoys them so much.Comment
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Originally posted by vetran View PostI believe if they become routine then they will form part of insurance decisions in the future. This is the same as many other methods the insurance industry uses to target us.
They may be excluded at present but its a Pandora's box.Comment
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Originally posted by northernladyuk View PostI don't doubt the insurance industry's desire to segment the market. But why shouldn't legislation continue to control this?
Which is the problem. If they won't tell you why they refuse your insurance, or charge you much more, how are you going to know?Will work inside IR35. Or for food.Comment
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Originally posted by VectraMan View PostJust been filling out a fairly tortuous rental reference that asked for everything but a full DNA profile, and of course at the end it says if you fail we won't give you any information why.
Which is the problem. If they won't tell you why they refuse your insurance, or charge you much more, how are you going to know?Comment
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Originally posted by northernladyuk View PostIf they are not allowed to ask for genetic tests and have to specifically declare that you are not to submit them, they have no data on which to base charging and refusal decisions.
In fact it could be worse than that, as they could get data from the national database from someone with the same surname as you, for example, even though you're not actually related. It may be illegal, but how would anyone know?Will work inside IR35. Or for food.Comment
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Originally posted by northernladyuk View PostIf they are not allowed to ask for genetic tests and have to specifically declare that you are not to submit them, they have no data on which to base charging and refusal decisions.
https://www.abi.org.uk/products-and-...netic-testing/
The Concordat and Moratorium on Genetics and Insurance has been updated to reflect
the agreement’s extension until 2019.
. customers making relevant insurance applications will be required to disclose a
predictive genetic test result only if all of the following apply;
i. the customer is seeking insurance cover above the financial limits set out
in the Moratorium;
ii. the test has been assessed by a panel of experts and approved by
Government. To date, the only test that people are required to disclose
under the agreement is for Huntington’s Disease for life insurance where
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the insured sum is over £500,000. Any change to the list of approved
tests would be notified on the ABI and Department of Health1 websites
iii. the insurer asks the customer to disclose the information.Always forgive your enemies; nothing annoys them so much.Comment
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Originally posted by vetran View PostI believe if they become routine then they will form part of insurance decisions in the future. This is the same as many other methods the insurance industry uses to target us.
They may be excluded at present but its a Pandora's box.Last edited by OwlHoot; 4 July 2017, 14:25.Work in the public sector? Read the IR35 FAQ hereComment
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