1. Japanese insurers’ attitudes toward adverse selection and genetic discrimination: a questionnaire survey and interviews with employees about using genetic test results
- Author
-
Kaori Muto and Hiroshi Iida
- Subjects
Adult ,Male ,0301 basic medicine ,Human Rights ,Economics ,media_common.quotation_subject ,Adverse selection ,MEDLINE ,Insurance Carriers ,030105 genetics & heredity ,Truth Disclosure ,Brief Communication ,Insurance Selection Bias ,03 medical and health sciences ,Japan ,Social Justice ,Surveys and Questionnaires ,Life insurance ,Genetics ,Humans ,Genetic Testing ,Dialog box ,Genetic discrimination ,Genetics (clinical) ,media_common ,Ethics ,Actuarial science ,Human rights ,Correction ,Questionnaire ,Middle Aged ,Organizational Policy ,Test (assessment) ,Suicide ,Insurance, Life ,030104 developmental biology ,Attitude ,Female ,Homicide ,Psychology - Abstract
Since the 1990s, insurance has been the primary field focused on the social disadvantages of using genetic test results because of the concerns related to adverse selection. Although life insurance is popular in Japan, Japan does not currently have any regulations on the use of genetic information and insurers have largely kept silent for decades. To reveal insurers’ attitudes on the topic, we conducted an anonymous questionnaire survey with 100 insurance company employees and recruited nine interviewees from the survey respondents. We found that genetic discrimination is not generally considered as a topic of human rights. We also found that insurers have uncertain fears and concerns about adverse selection in terms of actuarial fairness but not regarding profits. When it comes to preparing guidelines on the use of genetic information by Japanese insurers, we believe that public dialog and consultation are necessary to gain understanding of the people.
- Published
- 2020