论基因信息于人身保险核保使用之正当性

On Gene Information's Legitimacy in Life Insurance Underwriting

保险所承保的危险为发生与否以及发生时间不确定之事故,故所有关于人类未来健康之信息,均应提供予保险人作为核保之考量因素。然而,因基因信息涉及个人、家庭及族群之隐私,且目前基因检验结果的精确性尚不足,导致对于保险人能否以基因信息作为人身保险核保的正当性遭受质疑。为此,将对正当性问题进行辨证与阐释,籍以取得正确认识,以利于保险业之发展与隐私权之维护。

The danger ensured by insurance involves whether it occurred or not and the conformity of time, so those all information concerning human＆#39;future should provided to insurer as determi-ning factors for insurance .Nevertheless, as gene would involve secret of personal , family and clan, and in adequacy of precise gene testifying measurement led to suspicion on legitimacy that . Thus, the problem of legitimacy will be discriminated and stated so as to obtain correct conscience to make it favorable for the maintenance of insurance development and right of privacy .