The Australian Medical Association (AMA) is intensifying its call for the federal government to fulfil its commitment to ban genetic discrimination within the life insurance sector.
This renewed push follows a comprehensive joint submission developed by the public health genomics team at Monash University, spearheaded by Dr. Jane Tiller. AMA President Dr. Danielle McMullen emphasized that genetic testing should be integrated into routine healthcare, but current fears of insurance denial are deterring individuals from crucial testing and research.
“Genetic testing and genomic research have the potential to revolutionize Australian healthcare, enabling us to identify the need for potentially life-saving treatments before problems even arise,” Dr. McMullen stated. “It’s alarming that people might avoid life-saving genetic tests for themselves, their children, or other family members simply due to the fear of financial repercussions. This must change. No one should have to fear taking genetic tests because of life insurance discrimination.”
Following extensive advocacy efforts, the government announced last year its intention to introduce legislation prohibiting the use of adverse genetic test results in life insurance underwriting. This action would effectively end the industry’s practice of discriminating against consumers based on genetic testing. However, this legislation has yet to be enacted.
The joint submission provides detailed recommendations on how the legislation should be structured to safeguard individuals from genetic discrimination in life insurance.
“A ban is essential to provide consumers with complete assurance that their genetic status will not impact their eligibility for insurance coverage,” Dr. McMullen explained. “It is the only way to ensure Australians feel secure and confident that their genetic results will not lead to discrimination. Partial bans or vague moratoriums only increase uncertainty and discourage patients from undergoing life-saving genetic testing and participating in genomic research.”
The AMA also advocates for a national framework regarding the provision and regulation of genetic testing to guarantee equitable access to such tests across Australia.
The joint submission aligns with the AMA’s existing policy position on genetic testing and genomics in medicine, which outlines various policy measures aimed at reducing and ultimately eliminating genetic discrimination.
The AMA will continue its advocacy efforts to ensure that legislation banning the use of adverse genetic test results in life insurance underwriting is introduced and implemented.
