The Effect of Medical Advances on Insurance ... - Actuary.com
The Effect of Medical Advances on Insurance ... - Actuary.com
The Effect of Medical Advances on Insurance ... - Actuary.com
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Genetic Testing Regulatory<br />
Challenge: Percepti<strong>on</strong> vs. Reality<br />
• Except in rare single gene disorders, a genetic<br />
mutati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g>ten does not = disease<br />
• Most <strong>com</strong>m<strong>on</strong> disorders are multi-factorial and<br />
<str<strong>on</strong>g>of</str<strong>on</strong>g>ten can be favorably influenced by early<br />
diagnosis, treatment and/or behavioral changes<br />
(CAD, DM, BRCA-1/2)<br />
• All <str<strong>on</strong>g>of</str<strong>on</strong>g> us likely have <strong>on</strong>e or more such mutati<strong>on</strong>s<br />
• Genetic testing not cost effective for insurers for<br />
single gene or <strong>com</strong>m<strong>on</strong> <strong>com</strong>plex disorders
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