University Of Tasmania

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A step forward, but still inadequate: Australian health professionals’ views on the genetics and life insurance moratorium

journal contribution
posted on 2023-05-21, 03:57 authored by Tiller, JM, Keogh, LA, McInerney-Leo, AM, Belcher, A, Barlow-Stewart, K, Boughtwood, T, Gleeson, P, Dowling, G, Prince, A, Bombard, Y, Joly, Y, Delatycki, M, Winship, IM, Margaret OtlowskiMargaret Otlowski, Lacaze, P

Background In 2019, the Australian life insurance industry introduced a partial moratorium (ban) limiting the use of genetic test results in life insurance underwriting. The moratorium is industry self-regulated and applies only to policies below certain financial limits (eg, $500 000 of death cover).

Methods We surveyed Australian health professionals (HPs) who discuss genetic testing with patients, to assess knowledge of the moratorium; reported patient experiences since its commencement; and HP views regarding regulation of genetic discrimination (GD) in Australia.

Results Between April and June 2020, 166 eligible HPs responded to the online survey. Of these, 86% were aware of the moratorium, but <50% had attended related training/information sessions. Only 16% answered all knowledge questions correctly, yet 69% believed they had sufficient knowledge to advise patients. Genetics HPs’ awareness and knowledge were better than non-genetics HPs’ (p<0.05). There was some reported decrease in patients delaying/declining testing after the moratorium’s introduction, however, 42% of HPs disagreed that patients were more willing to have testing post-moratorium. Although many (76%) felt the moratorium resolved some GD concerns, most (88%) still have concerns, primarily around self-regulation, financial limits and the moratorium’s temporary nature. Almost half (49%) of HPs reported being dissatisfied with the moratorium as a solution to GD. The majority (95%) felt government oversight is required, and 93% felt specific Australian legislation regarding GD is required.

Conclusion While the current Australian moratorium is considered a step forward, most HPs believe it falls short of an adequate long-term regulatory solution to GD in life insurance.


Medical Research Future Fund


Publication title

Journal of Medical Genetics

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Faculty of Law


BMJ Group

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© Author(s) (or their employer(s)) 2021

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Socio-economic Objectives

Law reform; Expanding knowledge in law and legal studies

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