The debate between insurers "right" to assess risk vs concerns about unethical discrimination has come into sharp focus again.
The recent EU Court ruling on gender discrimination follows a pattern. These debates always take place on two levels - a technical risk assessment one on whether insurers can prove that any particular group of people is at greater risk than another. And an ethical one - as to whether it is acceptable to discriminate against a particular group per se. Consensus is easy at each end of the spectrum - on smoking discrimination is fine - on race it is not. Between these two extremes things are resolved by some form of accommodation between the two - as happened in the UK on genetic tests. ...
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