Anti-Selection & Genetic Testing in Insurance: An Interdisciplinary Perspective

被引：6

作者：

Golinghorst, Dexter

de Paor, Aisling ^{[1
]}

Joly, Yann ^{[2
,3
]}

Macdonald, Angus S. ^{[4
]}

Otlowski, Margaret ^{[5
,6
]}

Peter, Richard ^{[7
]}

Prince, Anya E. R. ^{[8
]}

机构：

[1] Dublin City Univ, Sch Law & Govt, Dublin, Ireland

[2] McGill Univ, Ctr Genom & Policy, Dept Human Genom, Montreal, PQ, Canada

[3] McGill Univ, Genet Discriminat Observ GDO, Dept Human Genom, Montreal, PQ, Canada

[4] Heriot Watt Univ, Actuarial Math, Edinburgh, Midlothian, Scotland

[5] Univ Tasmania, Law, Hobart, Tas, Australia

[6] Univ Tasmania, Ctr Law & Genet, Hobart, Tas, Australia

[7] Univ Iowa, Finance, Tippie Coll Business, Iowa City, IA USA

[8] Univ Iowa, Coll Law, Iowa City, IA 52242 USA

来源：

JOURNAL OF LAW MEDICINE & ETHICS | 2022年 / 50卷 / 01期

基金：

美国国家卫生研究院;

关键词：

Anti-Selection; Insurance; Modeling; ELSI; Adverse; ADVERSE SELECTION; LIFE-INSURANCE; CATEGORICAL DISCRIMINATION; ENDOGENOUS INFORMATION; RISK CLASSIFICATION; HEALTH-INSURANCE; AVOIDANCE; MARKETS; IMPACT; BREAST;

D O I：

10.1017/jme.2022.18

中图分类号：

B82 [伦理学（道德学）];

学科分类号：

摘要：

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.

引用

页码：139 / 154

页数：16

共 50 条

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[J]. JOURNAL OF LAW MEDICINE & ETHICS, 2022, 50 (01): : 155 - 156
[2] Anti-selection in voluntary health insurance markets: A focus on medical schemes in South Africa
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[J]. SOUTH AFRICAN ACTUARIAL JOURNAL, 2021, 21 : 93 - 118
[3] HEALTH INSURANCE, GENETIC TESTING AND ADVERSE SELECTION
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[9] Genetic testing and insurance
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[10] INSURANCE AND GENETIC TESTING
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[J]. LANCET, 1993, 341 (8839): : 224 - 227

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