Analysis of the Impact of Gene Technology Development on Insurance Industry
| Autor: | Wei-Chi Wang, 王薇淇 |
|---|---|
| Rok vydání: | 2018 |
| Druh dokumentu: | 學位論文 ; thesis |
| Popis: | 106 The development of genetic sciences allows people to predict the future health conditions and the chances of developing diseases through genetic testing. The medical field is constantly improving, the detection speed is increasing, and the cost is also from the historical price.Nowadays, many people can also afford it. With the change of people’s concepts and With the gradual decline in the cost of genetic testing, genetic testing may be a medical diagnosis in the future. The traditional insurance industry has accumulated hundreds of years of experience in risk management. High-risk customer bases are usually more proactive in buying insurance.However, the business of these customers may lose money. Conversely, high-quality, low-risk customers, buying insurance is usually passive and negative, and lack of time urgency. Adverse selection has always been an important issue that must be seriously faced by the insurance industry. With the rapid development of genetic testing technology and the failure to keep up with relevant insurance gene information disclosure policies, it is likely to endanger the insurance industry, a large number of industries relying on medical information as rates and claims. This article describes the practice of genetic information in insurance issues in major countries and in Taiwan, and proposes the grounds for opposing genetic information as an underwriting basis. It proposes the basis of insurance legal principles and proposes that with the development of big data, risk assessment More and more accurate, and after the technology of future gene decryption becomes more mature, it may be able to calculate the incidence of individual diseases.Insurance standards should keep pace with the development of science and technology. At the end, it put forward related suggestions and hopes to use this article to hope that Taiwan will help formulate genetic information policy in the future. |
| Databáze: | Networked Digital Library of Theses & Dissertations |
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