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effective tool to underwriters and actuaries in assessment of health status of an
individual.

Genetic abnormalities can be broadly classified as inherited, or acquired (resulting
from mutations caused by aging or the environment). Public concerns about using
genetics in underwriting relate to the fears of denial or cancellation of coverage by
insurers on receiving adverse data about his/her genetic composition and
affliction. Apprehensions are also raised about the privacy of genetic
information about a person's family lineage, both past and future, its social
and economic impact. Further \, extensive application of genetic information
may also evolve into cream skimming by the insurers.

Unless public concerns are suitably addressed, and safeguards for privacy of
genetic data are put in place, use of genetic data for underwriting is not permitted,
in almost all countries. For e.g, in Britain, predictive genetic testof only Huntington's
disease is allowed, that too for covers of above 500,000 lbs.

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