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Fact Sheet 20 LIFE INSURANCE PRODUCTS and GENETIC TESTING in AUSTRALIA

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Fact Sheet 20 LIFE INSURANCE PRODUCTS and GENETIC TESTING in AUSTRALIA LIFE INSURANCE PRODUCTS Fact sheet 20 AND GENETIC TESTING IN AUSTRALIA In Australia genetic information, which includes your personal medical history and results of genetic tests and information about the health of your parents, children, brothers and sisters can have implications for life insurance policies. IN SUMMARY – You are not required to provide any other information about your • Private health insurance is not based first degree relatives including their on a risk assessment of your health. genetic/genomic test result(s) if - You will not be asked about genetic known to you, their name or date of test results or your family history of birth. health conditions. • The life insurance products are • Most life insurance products such as guaranteed renewable cover for death, permanent disability, - As long as the premiums are paid, trauma and income protection you do not have to notify the insurer are based on a risk assessment of any change in your health or of (underwritten contracts). This may the results of any medical or genetic/ impact on the cost or terms of the genomic test taken after your policy policy. has started. - You are not required to have a genetic • A genetic/genomic test undertaken test as part of the risk assessment after a policy has been secured that when applying for life insurance shows you have not inherited a gene - If you have already had a genetic test, variant (DNA change) causing a health your life insurance company must not condition in the family, and you choose use your genetic test results (up to to declare the results, means that the the financial limits set above) unless impact of a family history may be you choose to declare them. removed from your risk assessment You may be asked that informed the cost and terms of - Your age, gender, current health the contract. Contact your insurer to and medical history, including any discuss. signs, symptoms and any diagnosed • The Moratorium does not apply to any conditions you have had or continue existing life insurance policies. to have, even if diagnosed through a • Involve your family doctor, medical genetic test or genetics specialist if necessary, - Your results of medical tests you have in negotiations with the insurance had company. - Any health conditions that have More information is available at the been diagnosed in your first degree Financial Services Council (FCS) relatives (parents, children, brothers, sisters) only and the age they were diagnosed. Content updated March 2021 www.genetics.edu.au | 1 of 5 Fact sheet 20 LIFE INSURANCE PRODUCTS AND GENETIC TESTING IN AUSTRALIA The Moratorium on Genetic Tests in Life Insurance RISK-RATED INSURANCE POLICIES came into effect from 1 July 2019 and will be in A. Life insurance from a life insurance company place until at least 30 June 2024 at which time there will be a decision about continuation. Life insurance products include cover for life and living benefit policies such as permanent disability, The Moratorium on Genetic Tests in Life Insurance trauma, income protection insurance and those means that up to 2024, life insurance companies taken out for business and bank loans. will not be able to use genetic test results as part of an insurance application up to the value A life insurance policy is a contract between you of $500,000 (for death and total permanent (the policyholder) and the insurer that requires an disability), $200,000 for trauma and $4,000 a assessment of the risk that you will make a claim. month for income protection. Living benefit policies are linked with different chances of making a claim than policies for death, and so higher premiums may be charged. INSURANCE IN AUSTRALIA Based on the level of risk and the type of policy When you take out insurance that is related to applied for, the insurer will decide the level of your current or future health, you are entering a premium to charge, and may impose limits on the contract with the company. Companies that provide cover or even deny you insurance cover. life insurance or sickness and accident insurance, The Insurance Contracts Act 1984 (Cth) sets out base an offer and cost of the policy on the level requirements for the insurer and the applicants. of the risk that is being taken on. These are risk- Further, the Financial Services Council (FSC) rated insurance policies. Underwriting is the word provides Standards of Practice for life insurance that insurers use to call their risk assessment. Most companies operating in Australia. types of insurance in Australia are risk-rated to some extent. Further examples are motor vehicle All companies offering new life insurance policies insurance and home and contents insurance. in Australia are currently members of the FSC and subject to the Life Insurance Code of Practice and In Australia, the many different types of insurance the FSC Standards. The Act and the Standards come under three general headings: Life Insurance, define responsibilities on both the insurer and the General Insurance and Health Insurance (medicare applicant. and private health insurance). Applying for life insurance Private Health Insurance premiums are not risk rated (underwritten), so that everyone pays the a. Where a genetic/genomic test result has been same premiums for the same policy, regardless received before securing insurance cover: of their age or health status. You do not have to In regard to the use of genetic information in the provide any genetic/genomic test information risk assessment, there are two FSC Standards: to the company when applying. Private health insurers can impose waiting periods for pre-existing • Standard No. 11 Moratorium on Genetic Tests in conditions. Life Insurance A person who has a genetic/genomic test result • Standard No. 16 Family Medical History Policy. indicating susceptibility to a genetic condition, but What the insurer should do: does not show signs or symptoms, does not have a pre-existing condition and so waiting periods • Assess your risk using statistical, actuarial data should not be imposed. or other factors where that is available or other appropriate information • Take into account any screening, treatment or preventive health strategies to reduce health risks Content updated March 2021 www.genetics.edu.au | 2 of 5 Fact sheet 20 LIFE INSURANCE PRODUCTS AND GENETIC TESTING IN AUSTRALIA • Do not require a genetic test be undertaken as Depending on the condition, however, your family part of the application process. history may impact on how your risk is assessed and affect the cost of premiums or the terms of the What you may be asked: policy or even being able to access insurance. The application form may ask about: Securing a policy could take several weeks or more. • Your age • Your gender • Your current health c. Where a blood sample for a genetic/genomic test has been taken before securing insurance • Your past medical history, including any signs, cover that is higher than the financial limits set symptoms and any diagnosed conditions you out in the Moratorium: have had or continue to have, even if diagnosed through a genetic test • A test sample has not yet been analysed by the • Results of your medical test(s) undertaken laboratory: • Information about health condition(s) affecting As with all types of medical treatment, you can your first degree relatives only (mother, father, withdraw your consent for a sample being analysed brother, sister, children) at any time prior to the laboratory starting the - The number of these relatives who have been process. If you withdraw, you will not know the diagnosed with the condition(s); i.e. have signs result so you do not need to disclose that you have and symptoms of the condition had the test. Sometimes a person will give a sample - The age at diagnosis of the condition(s) of for testing to be done in the future for the benefit each relative(s) of family members. - Note: Standard 16 does not require you to This is sometimes called DNA banking. If you provide any other information about your first provide a sample for DNA banking you have not degree relatives including their genetic test undergone a genetic/genomic test. result(s) if known to you, their name or date of birth · A laboratory has analysed your sample and a • Other risk factors such as your personal result is pending: environment, occupation, smoking or excessive The insurer will ask you to tell them this. consumption of alcohol and lifestyle. Note any screening, treatment or preventive health · The laboratory has analysed your sample but you strategies you have or are taking. have chosen not to know your result: In meeting your duty to disclose, you also There may be a number of reasons why you have to disclose any risk factors or changes in might choose not to have your genetic/genomic circumstances that happen after completing an test result. In these circumstances you do not know application until the policy starts. your result and so do not have to disclose that a genetic test has been undertaken. The insurer should then underwrite the risk only on the basis of your family history and the other respective b. Where you have a family history of a condition disclosures made in your application. but you do not have any signs or symptoms of the condition and you have not had a genetic/ After a policy has been obtained genomic test before securing insurance cover: Most insurance policies offered by life insurance You must disclose all information known to you companies in Australia are guaranteed renewable. about the health of your first degree relatives but not about any other relatives.
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