- The Delhi High Court recently ruled against discrimination in health insurance by United India Insurance Company involving a person with a heart condition which was perceived to be a genetic disorder.
- The court held, “Discrimination in health insurance against individuals based on their genetic disposition or genetic heritage, in the absence of appropriate genetic testing and laying down of intelligible differentia, is unconstitutional.”
Specific features of this case:
- This is a critical court decision around the broader question of discrimination on the basis of one’s genetic predisposition.
- As technology for genetic testing and tools to gather family history and compile them in databases become cheaper and more widespread, it becomes imperative that due social and ethical consideration be given to genetic discrimination as the implications are far-reaching and can affect everyone.
- Genetic discrimination (GD) is understood to be differential treatment of those not showing symptoms but who are nevertheless treated differently on the basis of any real or assumed genetic characteristics. We must recognise that GD is nothing new. There were robust policies of eugenics in the U.S. in the 1900s. These led to laws in many States that made sterilisation compulsory for those who expressed a range of conditions believed to be inherited.
- Such conditions covered those with disability, who were poor, had mental health problems, were promiscuous, were dwarfs, and so on.
- Eugenics was also practiced in many countries in Europe, not just in Nazi Germany. Nordic countries, for example, passed eugenics laws in the 1930s and some of those stayed in the books until the 1970s.
- With newer and cheaper methods to sequence entire genomes, the era of expanded genetic testing is already upon us, although not everyone may associate it with eugenics.
- Whether specific genetic tests themselves are scientifically valid, whether they add value to those tested, and whether they should be generalised for populations or communities raise a separate but linked set of issues that I will not cover in this article. Rather, I will stay focussed on the issues of insurance and employment when there is family history of disease, the potential complications of genetic tests and their implications.
- In the U.S., researchers recorded hundreds of cases of misuse of genetic information obtained through family history, genetic tests, or by employers and insurers accessing personal data.
- There are many examples of employers and insurers using genetic information to engage in discriminatory policies.
- In the U.S., the Genetic Information Nondiscrimination Act (GINA) was signed into law in 2008.
- GINA provides strong protection against access to genetic information and genetic discrimination in the context of health insurance and employment.
- It prohibits insurers from “requesting or requiring” genetic tests from an individual or members of the person’s family, or using genetic information to determine eligibility or establish premiums.
- It also prohibits employers from “requesting or requiring” genetic information for hiring or promotional decisions, or when determining eligibility for training programmes.
- The Council of Europe has adopted a set of recommendations on the use of genetic information for the purpose of insurance. Canada’s recent Genetic Non-Discrimination Act makes it illegal for insurers or employers to request DNA testing or results.
- It is reported that insurers in the U.K. are currently under a voluntary moratorium agreed upon between the Association of British Insurers and the government until 2019.
- Based on this agreement, results from genetic tests are not to be used for health or life insurance except for Huntington’s disease, which is dominantly inherited with a high penetrance. This simply means that there is a high likelihood that those who have this gene develop the disease, which is inherited as an autosomal-dominant trait. But it must be noted here that even with the rare single-gene conditions the genetic expression varies significantly because of other factors.
A complex future:
- The situation is likely to get worse as people become more accepting of predictive genetic tests and insurance companies insist on them; at the moment, they generally use family medical history as the basis for determining premiums.
- In the medium term, there are also serious concerns related to the protection and privacy of medical and genetic data. Breaking into databanks is not impossible as even America’s Federal Bureau of Investigations and other secure firewalls have been breached.
The Way forward
- India too needs a law that prevents genetic discrimination.
- In this era of rampant genetic testing, we need to prevent discrimination and uphold “equal treatment under the law”. Equality under the law cannot have exceptions.
- Looking beyond these immediate issues, everyone has genes for some predisposition or the other, this being the human condition. There should therefore be no discrimination based on genetic information. Insurance is developed from pooling risks. If companies begin to insist on tests for everyone, then potentially no one will be insurable. Only universal health care can therefore be a viable solution.