GENETIC TESTS AND INSURANCE OR THE MARRIAGE OF WATER AND FIRE

Abstract

Is the possibility of knowing, through genetic tests, the risk
of disease borne by each individual likely to influence the
way insurance covers this risk and in particular to better
individualize it? Hence, would it lead to switch from a
system of protection against sickness, founded in Europe
mainly on solidarity, to a system emphasizing individual
responsibility?
Finaly, is it the architecture of the whole of our social
protection system that is at stake or the only question, in
terms of its specificity, of genetic tests in the field of health
insurance?