보험에서 유전자차별의 법적 문제 = Legal Issues of Genetic Discrimination in Insurance

다국어 초록 (Multilingual Abstract)

Thanks to advancements in the field of modern medicine, we are increasingly able to foretell the health of human beings on the basis of genetic information. With this ability comes the possibility for legal and moral problems. In particular, the ability may cause discrimination in insurance, which can lead to increased social discrimination, an infringement upon human equality. Insurance companies, administered with the rule of large numbers, is very likely to use genetic information to protect themselves from the risk of the adverse selection by insurance subscribers. As a result, without any restrictions, legal and ethical problems will arise from using genetic information in insurance. In particular, using this information can encroach on privacy, and it can also stop a person`s necessary insurance benefits. Genetic information is information with probability in the current science technology no matter how far. And a characteristic of information is information with worry to bring a discrimination about a blood relative in addition to an individual. I suggest that the use of genetic information in insurance should be limited through establishment of a special law in our country in the future. Currently what we need is not discrimination, but the thoughts of equality based on a social sense of solidarity.

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