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Anti-Selection & Genetic Testing in Insurance: An Interdisciplinary Perspective
Dexter Golinghorst, Aisling de Paor, Yann Joly, Angus S. Macdonald, Margaret Otlowski, Richard Peter & Anya E. R. Prince
Journal of Law, Medicine and Ethics 50 (1):139-154 (2022)
Abstract
Anti-selection occurs when information asymmetry exists between insurers and applicants. When an applicant knows they are at high risk of loss, but the insurer does not, the applicant may try to use this knowledge differential to secure insurance at a lower premium that does not match risk.My notes
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Citations of this work
Anti-Selection is Only the Beginning.Valarie K. Blake & Jessica L. Roberts - 2022 - Journal of Law, Medicine and Ethics 50 (1):155-156.
References found in this work
The Use of Genetic Testing Information in the Insurance Industry: An Ethical and Societal Analysis of Public Policy Options.Paul Thistle, Gene Laczniak & Alexander Nill - 2019 - Journal of Business Ethics 156 (1):105-121.
Time to End the Use of Genetic Test Results in Life Insurance Underwriting.Mark A. Rothstein - 2018 - Journal of Law, Medicine and Ethics 46 (3):794-801.
Leveling the Playing Field: Closing the Gap in Public Awareness of Genetics between the Well Served and Underserved.Johnny Kung & Chao-Ting Wu - 2016 - Hastings Center Report 46 (5):17-20.
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