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New Legislation Prohibits Life Insurers from Using Genetic Test Results

Ensuring Fair Access to Insurance Amid Advances in Genetic Testing

New Legislation Prohibits Life Insurers from Using Genetic Test Results?w=400

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The Australian government has enacted legislation prohibiting life insurers from using the results of genetic tests to refuse coverage or increase premiums.
This landmark decision aims to eliminate genetic discrimination and encourage individuals to undergo potentially life-saving genetic testing without fear of financial repercussions.

Prior to this legislation, individuals who underwent genetic testing and received results indicating a predisposition to certain conditions could face higher premiums or denial of coverage from life insurers. This practice deterred many from seeking genetic testing, potentially delaying early detection and intervention for various health conditions.

Stephen Jones, Minister for Financial Services, emphasised the significance of this change, stating, "This change will give Australians the confidence to undertake genetic testing without fear it will impact their ability to access financial security through life insurance."

The ban covers all risk-rated insurance products, including life insurance, income protection, and total and permanent disability insurance. It ensures that individuals are not penalised for their genetic information, promoting a more equitable insurance landscape.

For consumers, this legislation provides reassurance that engaging in genetic testing for health purposes will not adversely affect their insurance options. It also underscores the importance of understanding one's rights and the protections available under Australian law.

In summary, the prohibition of using genetic test results in life insurance underwriting marks a significant step towards fairness and non-discrimination in the insurance industry. It aligns with broader efforts to protect consumer rights and promote public health initiatives.

Published:Monday, 19th Jan 2026
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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