碩士 / 淡江大學 / 保險學系保險經營碩士班 / 91 / The Human Genome Project began in 1990. The improvement of genetic technology now is more likely to predict human’s risk of future diseases.The insurance industry has begun to recognize the far-reaching possibilities that research into human genetics might hold for traditional insurance practice, particularly underwriting. The possibilities can be summed up, as follows： If applicants for insurance have better knowledge of their medical risks than insurers do , because they know the results of genetic tests , they might select against the insurers . However, it is often deemed unfair to discriminate against individuals on the basis of their genetic make-up, over which they have no control. The aims of this study are as fallows：
To discuss the controversy about the use of genetic testing in insurance.
To consider the costs that might arise if insurers were not allowed to use genetic information known to applicants for insurance.
To introduce some genetic and insurance actuarial models.
A case study: a model of Alzheimer’s Disease (AD) developed by Pritchard (2002) to the question of the potential for adverse selection in long term care insurance. Estimate the possible costs of adverse selection if the results of genetic tests for the ApoE gene are not used in long term care insurance underwriting
To collect published medical and epidemiological studies with respect to AD in Taiwan. Analyze the feasibility of estimating the possible costs of adverse selection in long term care insurance in Taiwan insurance market. .
| Identifer | oai:union.ndltd.org:TW/091TKU00218005 |
| Date | January 2003 |
| Creators | JuiLing Lo, 羅瑞玲 |
| Contributors | Sharon Sheauwen Yang, 楊曉文 |
| Source Sets | National Digital Library of Theses and Dissertations in Taiwan |
| Language | zh-TW |
| Detected Language | English |
| Type | 學位論文 ; thesis |
| Format | 0 |
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