SELF-INSURANCE WITH GENETIC TESTING TOOLS

Crainich David

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SELF-INSURANCE WITH GENETIC TESTING TOOLS

机译：遗传测试工具的自保

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The development of genetic testing creates opportunities to better target disease prevention actions. In this article, we determine how the genetic information modifies self-insurance efforts in different health insurance market equilibria with adverse selection. We show that a regulation prohibiting insurers from using genetic information for rate-making purposes: (1) cancels the benefits of genetic testing when pooling equilibria occur and (2) does not prevent the exploitation of the benefits derived from genetic testing when separating equilibria (both of the Rothschild-Stiglitz or of the MiyazakiSpence type) prevail in insurance markets.

机译：基因检测的发展创造了更好地针对疾病预防行动的机会。在本文中，我们确定了遗传信息如何通过逆向选择改变不同健康保险市场均衡中的自我保险工作。我们证明，有一项法规禁止保险公司使用遗传信息进行造价目的：（1）出现合并均衡时取消了基因测试的好处;（2）在分离均衡时并没有阻止利用基因测试的收益（罗斯柴尔德-斯蒂格利茨（Rothschild-Stiglitz）或宫崎骏（MiyazakiSpence）类型都在保险市场上占主导地位。

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《The journal of risk and insurance》 |2017年第1期|73-94|共22页
作者
Crainich David;
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CNRS LEM UMR 9221, Lille, France|Ieseg Sch Management, Lille, France;

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正文语种 eng
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7. Self-Insurance With Genetic Testing Tools [O] . Crainich David 2015

机译：使用基因测试工具进行自我保险

SELF-INSURANCE WITH GENETIC TESTING TOOLS

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