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• Code on Genetic Testing and Insurance

  The 'Code on Genetic Testing an Insurance' is an agreement between the Government and the Association of British Insurers (ABI). It explains what an insurance company does and does not need to know…

• How the world treats genetic risk

  The ABI and Genetics Working Group has compiled a report, ‘How the world treats genetic risk’ - an international comparison of policy frameworks for the treatment of genetic testing in…

• FAQ

  How is my premium (the cost of an insurance policy) calculated?

  Insurers use risk data to calculate the likelihood of the event you are insuring against happening. This information is used to work out the cost of your premium. The more likely the event you are insuring against is to occur, the higher the risk to the insurer and, as a result, the higher the cost of your premium.

  An insurer will take two important factors into account when working out the premium they will charge:

  1. How likely is it in general terms that someone will need to make a claim?
  2. Is the person who wants to take out a policy a bigger or smaller risk than the ‘average’ policyholder. Your medical history can help to inform this.

  To find out more about how insurance works in the UK, you can read the ABI’s guide here.

  There are specialised insurance brokers who can help to identify different insurance companies or products for those with complex and pre-existing health conditions, and details of these are provided by some patient groups.

• Genetics FAQs

• FAQ

  I am not buying a type of protection insurance, are the results of a predictive genetic test relevant?

  Unless you are buying a type of protection insurance (life, critical illness or income protection), the results of a predictive genetic test are not relevant to your application and so you do not need to disclose any predictive genetic test. This includes travel, motor insurance or health insurance.

• FAQ

  What should I do if I have been diagnosed with a genetic condition and am struggling to access affordable insurance?

  There are specialised insurance brokers who can help to identify different insurance companies or products for those with complex health conditions. Details of these are provided by some patient groups.

• FAQ

  Why are there some circumstances in which insurers are allowed to ask for the results of predictive genetic test results?

  Anti-selection is a risk that insurance companies face. Anti-selection occurs when someone who is buying insurance has access to more information than the insurer and, as a result, the insurer underestimates the risk of insuring that person. The Code on Genetic Testing and Insurance ensures that the insurance industry has protection against levels of anti-selection, which can threaten the insurers business models and make insurance more expensive for all consumers by allowing some limited access to predictive genetic test results for the most expensive policies.

• FAQ

  Will the NHS ever share my genetic data with an insurance company without my consent?

  No. Access to confidential patient information, including genetic data or genetic test results, will not be shared with an insurance company without your consent. You can read more information about how the NHS protects your information here.

• FAQ

  Can an insurer request that I take a genetic test in order to get insurance cover?

  No. Insurers will not require or pressure any applicant to undertake a predictive or diagnostic genetic test in order to obtain insurance.

• FAQ

  I am applying for life insurance over £500,000 and have had a predictive genetic test for Huntington’s disease. What do I need to do?

  If you are applying for life insurance over £500,000, you may need to disclose to an insurer if you have a predictive genetic test result for Huntington’s disease. If you intentionally do not disclose the test result, you may invalidate your insurance. However, you do not need to disclose the test result if you are applying for less than £500,000 of life insurance and if you do disclose it the insurer will ignore the result.

  Just because you may have to disclose a test result for Huntington’s disease does not mean you will necessarily be refused insurance.