Prior to this ban, Australians who underwent genetic testing to assess their risk for inherited conditions, such as the BRCA gene associated with breast cancer, faced the possibility of being denied life insurance coverage or subjected to higher premiums based on their test results. This practice deterred many from seeking genetic testing, potentially compromising their health outcomes.
The new legislation covers all risk-rated insurance products, including life insurance, income protection, and total and permanent disability (TPD) insurance. By aligning with international standards—similar bans have been in place in countries like Canada and the United Kingdom for several years—Australia is taking a significant step toward protecting consumers from genetic discrimination.
Public health and genomics researcher Dr. Jane Tiller, who has been advocating for this change since 2016, emphasized the importance of the ban. She noted that the fear of insurance discrimination has been a significant deterrent for individuals considering genetic testing, which could provide crucial information for their health management.
For Australians, this legislative change means greater confidence in accessing genetic testing services without the concern of adverse effects on their insurance coverage. It also underscores the importance of understanding one's rights when it comes to insurance policies and the factors insurers can consider when determining coverage and premiums.
Individuals are encouraged to review their existing insurance policies and consult with their providers to understand how this change may affect them. Additionally, those considering genetic testing should feel reassured that their results cannot be used against them in obtaining or maintaining insurance coverage.
