Should a genetic predisposition exclude insurance coverage?
Afterall, every year it seems now there is a new discovery of a gene or group of gene that makes those that have it more susceptible to a particular health problem.
I can't remember what it was, but there was some early (1980's maybe) marker identification and there was a furor when some insurance floated the idea of requiring testing for known markers before approving a policy.
I can imagine a scenario where there is a list of markers and an additional charge for each one you have on your medical, life, and long care insurance just as now many choose different deductables and coverage for different premiums.
I don't know if the law has changed, I know several years ago there was a court ruling that an employer insurance policy could exclude any disease or condition specifically as long as it did for all the members of that insurance policy. Don't some insurance exclude medical and life insurance for claims resulting for specific risky behavior? Not talking about just bad health choices like bad diet, too much drinking or smoking, etc, but for for dangerous hobbies such as mountain climbing, parachuting, etc.
I never heard but I would think insurance companies would want to exclude any claims from more modern risk taking like bungee jumping and base jumping with glider chutes etc.
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