Vol. 531 No. 4
35 Mr. G. Reynolds asked the Minister for Health and Children if he will make a statement on the possible use of questions on genetic testing by insurance companies and the potentially detrimental effect this could have on individuals who are at risk and who seek such tests. [5489/01]
The operation of private health insurance business in this country is subject to the provisions of the Health Insurance Act, 1994 and the 1996 health insurance regulations which require all health insurers to operate on a community rating and open enrolment basis. Section 7(2) of the 1994 Act specifically provides, inter alia, that premiums payable under health insurance contracts shall not be varied by reference to the suffering or prospective suffering from a chronic disease, illness or other medical condition.
The provisions of the legislation provide an effective safeguard to individuals vis-à-vis access to private health insurance in a competitive market. Genetic testing does not therefore arise as an issue, and cannot be used to the detriment of persons insured or seeking cover in that sector. The possible use of genetic testing in other areas of insurance, does not fall within the administrative remit of my Department. Issues pertaining generally to the regulation and conduct of insurance business in this country are the responsibility of the Department of Enterprise, Trade and Employment.
