An assessment of the impacts of using genetic information about individuals in life, health and disability insurance markets.
Keywords: genetic tests; insurance; rate-making; adverse selection; social welfare
Insurance and Human Genetics: Insurance Market Perspective
Michael Hoy, University of Guelph, Guelph, Canada
Published online: March 2008
DOI: 10.1002/9780470015902.a0005206
| References | |
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| Hoy M (2006) Risk classification and social welfare. The Geneva Papers on Risk and Insurance: Issues and Practice 31: 245–269. | |
| Hoy M, Orsi F, Eisinger F and Moatti JP (2003) The impact of genetic testing on health care insurance. The Geneva Papers on Risk and Insurance: Issues and Practice 28(2): 203–221. | |
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| Further Reading | |
| Crocker KJ and Snow A (1986) The efficiency effects of categorical discrimination in the insurance industry. The Journal of Political Economy 94: 321–344. | |
| Doherty NA and Thistle P (1996) Adverse selection with endogenous information in insurance markets. Journal of Public Economics 632: 83–102. | |
| Hoy M (1982) Categorizing risk in the insurance industry. Quarterly Journal of Economics 97(2): 321–336. | |
| Hoy M (1984) The impact of imperfectly categorizing risk on income inequality and social welfare. Canadian Journal of Economics 17(3): 557–568. | |
| Hoy M and Lambert PJ (2000) Genetic screening and price discrimination in insurance markets. The Geneva Papers on Risk and Insurance Theory 25: 103–130. | |
| Ligon JA and Thistle PD (1996) Consumer risk perceptions and information in insurance markets with adverse selection. The Geneva Papers on Risk and Insurance Theory 21: 191–200. | |
| Macdonald A (1999) Modeling the impact of genetics on insurance. North American Actuarial Journal 3(1): 83–101. | |
