保险中“基因歧视”的法学思考

On the"Gene Discrimination"in Insurance from Law View

保险中的基因歧视是近年来的热点问题之一,但我国对其关注不够;传统观点认为,实施基因歧视侵犯了被保险人的隐私权,违反了《宪法》关于平等权的原则;从保险运作机制的基本原理来看,保险人获取、探知被保险人的基因信息并对隐性致病基因或缺陷基因的携带者实施差别待遇有其自身的合理性;法律的作用在于保障基因信息获取、使用过程中的合理合法,以保护当事人的利益。

The gene discrimination in insurance is one of the hot questions in recent years. Yet not enough attention is paid to it in China. The traditional view thinks that gene discrimination infringes the insured's right of privacy and violates the equal right principle of the constit(?)tion. According to the basic principle of the operation mechanism of the insurance, it is rational for the insmer to obtain and find out gene information of the insured and implement discriminative treatment. However, the information should be legally obtained and used to protect the party's interests.