液体活检和重大疾病保险：不舒服的同床异梦？

Q3 Medicine

Journal of insurance medicine (New York, N.Y.) Pub Date : 2019-01-01 DOI:10.17849/insm-48-1-1-8.1

Timothy J. Meagher

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引用次数: 0

摘要

液体活组织检查对癌症的诊断和治疗有很大的前景。在不久的将来，复发性和转移性疾病的早期识别以及基于液体活检的更好的治疗选择似乎是可以实现的。然而，早期癌症诊断，最受欢迎的应用，仍然是最具挑战性的。液体活检对人寿保险的影响是积极的。对重大疾病保险的影响将更加微妙。这将取决于两个因素：液体活检作为癌症筛查测试的成功，以及保险公司在风险选择过程中使用“基因信息”的能力。在禁止使用的司法管辖区，目前设计的重大疾病保险可能不可持续。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Liquid Biopsies and Critical Illness Insurance: Uncomfortable Bedfellows?

Liquid biopsies hold great promise for the diagnosis and treatment of cancer. Earlier recognition of recurrent and metastatic disease and better treatment choices based on liquid biopsies seem achievable in the near future. However, earlier cancer diagnosis, the most heralded application, will remain the most challenging. The impact of liquid biopsies on life insurance will be positive. The impact on critical illness insurance will be more nuanced. It will depend on 2 factors: the success of liquid biopsies as cancer screening tests and the ability of an insurer to use "genetic information" during risk selection. In jurisdictions where use is prohibited, critical illness insurance, as presently designed, may not be sustainable.

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来源期刊

Journal of insurance medicine (New York, N.Y.) Medicine-Medicine (all)

CiteScore

0.50

自引率

0.00%

发文量

期刊介绍： The Journal of Insurance Medicine is a peer reviewed scientific journal sponsored by the American Academy of Insurance Medicine, and is published quarterly. Subscriptions to the Journal of Insurance Medicine are included in your AAIM membership.