Health Care, Ethics and Insurance (Professional Ethics) by Tom Sorell

By Tom Sorell

This accomplished and infrequently arguable publication offers a vital survey of the most important matters in medical insurance. it's a worthy learn for college students and academics of commercial reviews in addition to health and wellbeing pros of every kind.

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Sample text

This was good news for the industry—effectively, the proposal questions made no difference to the decisions of over 99 per cent of the population. However, in gross numbers ‘it would certainly be in the thousands, possibly in the tens of thousands’. That final remark undid the good work of the survey. Virginia Bottomley, then Minister of Health, described the results as ‘worrying’ and said that such questions could be hindering the government’s attempts to halt the spread of AIDS. The newspapers, with a disregard for numeracy, ran headlines like ‘AIDS questions puts off thousands’.

If genetic tests become a regular and acceptable routine that people regard as part of a regular health check, they could become part of the underwriting process. If not, it is unlikely that underwriters will call for genetic testing except to clarify the position on a person with an already identified problem. And think of the people who have favourable genetic tests. Would they not want to use the information to obtain standard terms, or even to request a discount? It is often overlooked that many proposers would benefit from genetic testing.

In effect, this was quasi-legislation, and the revised question was: Have you ever been tested positive for HIV/AIDS or Hepatitis B or C, or have you been tested/treated for other sexually transmitted diseases, or are you awaiting the result of such a test? 16 THE FREEDOM TO UNDERWRITE All members accepted the position. Personally, I felt the question was convoluted and I did not see the purpose of bringing Hepatitis B or C into the equation. The Times (15 December 1994) was delighted. In an editorial it stated, In many beneficial respects, the deterrents to testing for HIV are at last being reduced.

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