Insurers extend genetic test exemption to 2014

The moratorium, which enables consumers to take out certain levels of insurance without being required to disclose adverse results from predictive genetic tests, was established in 2001. The moratorium covers polices of up to £500,000 for life insurance, £300,000 for critical illness cover and £30,000 a year for income protection insurance. The ABI estimates that only around 3% of polices are not covered by the moratorium. Stephen Haddrill, director general of the ABI, comments: “The moratorium on the use of predictive genetic test results works well for consumers. It means people can in...