The list of questions and answers (Q&A) below is for reference only. Customers with doubts or questions should speak with their insurer or licensed insurance intermediary (agent/broker) for clarification on their insurance application. Customers with concerns regarding their genetic test results should contact their doctor for clarification. The Q&A is not intended to be comprehensive and should be read in conjunction with the Best Practice on the Use of Genetic Test Results (“Best Practice”).
Q1.
What is a genetic test? What is the difference between a predictive and diagnostic genetic test?
Q1.
What is a genetic test? What is the difference between a predictive and diagnostic genetic test?
Q2.
I have undergone a genetic test. Do I have to tell the insurance company the results when I apply for insurance?
Q2.
I have undergone a genetic test. Do I have to tell the insurance company the results when I apply for insurance?
Q3.
I have seen DNA test kits available at chain store or online shop. If I do this kind of direct to customer tests, do I have to inform my insurance company? Or do only those conducted by hospital or doctors need to be disclosed?
Q3.
I have seen DNA test kits available at chain store or online shop. If I do this kind of direct to customer tests, do I have to inform my insurance company? Or do only those conducted by hospital or doctors need to be disclosed?
Q4.
Will an insurance company ask me to undergo a genetic test for the purpose of assessing an insurance application?
Q4.
Will an insurance company ask me to undergo a genetic test for the purpose of assessing an insurance application?
Q5.
I have a life insurance policy that I purchased 5 years ago and I have just undergone a genetic test for inherited heart disease as advised by my doctor. Do I have to disclose this fact to my insurance company?
Q5.
I have a life insurance policy that I purchased 5 years ago and I have just undergone a genetic test for inherited heart disease as advised by my doctor. Do I have to disclose this fact to my insurance company?
Q6.
Do I have to tell the insurance company about my genetic test results even when the face amount I applied for is very small?
Q6.
Do I have to tell the insurance company about my genetic test results even when the face amount I applied for is very small?
Q7.
Do I have to tell the insurance company the result of genetic test of my immediate family members or relatives?
Q7.
Do I have to tell the insurance company the result of genetic test of my immediate family members or relatives?
Q8.
I have a critical illness policy with premium loaded up due to my family history. My doctor told me that the genetic test I have taken shows that I do not have the disease that runs in my family. Can I use that genetic test result to appeal for removal of the loaded premium?
Q8.
I have a critical illness policy with premium loaded up due to my family history. My doctor told me that the genetic test I have taken shows that I do not have the disease that runs in my family. Can I use that genetic test result to appeal for removal of the loaded premium?
Q9.
If I am found to have hidden my genetic test results, will it affect the validity of my claims?
Q9.
If I am found to have hidden my genetic test results, will it affect the validity of my claims?
Q10.
Is it considered secure to pass my genetic test information to the insurance company?
Q10.
Is it considered secure to pass my genetic test information to the insurance company?
Updated on 14.5.2020
© Copyrights 2024. The Hong Kong Federation of Insurers. All rights reserved
© Copyrights 2024. The Hong Kong Federation of Insurers. All rights reserved
© Copyrights 2024. The Hong Kong Federation of Insurers. All rights reserved
© Copyrights 2024. The Hong Kong Federation of Insurers. All rights reserved