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Anti-Selection & Genetic Testing in Insurance: An Interdisciplinary Perspective

Published online by Cambridge University Press:  04 March 2022

Dexter Golinghorst ,
Aisling de Paor ,
Yann Joly ,
Angus S. Macdonald ,
Margaret Otlowski ,
Richard Peter  and
Anya E.R. Prince
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Abstract

Anti-selection occurs when information asymmetry exists between insurers and applicants. When an applicant knows they are at high risk of loss, but the insurer does not, the applicant may try to use this knowledge differential to secure insurance at a lower premium that does not match risk.

Keywords

Anti-SelectionInsuranceModelingELSIAdverse
Type
Independent Articles
Information
Journal of Law, Medicine & Ethics , Volume 50 , Issue 1: Health Law and Anti-Racism: Reckoning and Response , Spring 2022 , pp. 139 - 154
Copyright
© 2022 The Author(s)

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