Australia’s Landmark Move with Life Insurance
Life Insurers Prohibited from Using Genetic Tests to Deny Coverage or Increase Premiums


The Australian Government has positioned Australia as one of the global leaders by banning life insurers from using adverse genetic test results in their underwriting processes. This decision is a result of years of advocacy from community groups, including those impacted by Huntington’s disease, who have campaigned tirelessly for this change. This decision was shaped through extensive consultation and stakeholder engagement, ensures that all Australians can fully benefit from genetic testing without worrying about financial repercussions. Importantly, individuals can still choose to disclose favorable test results if they wish, but not be forced into doing so.
There were over 1000 submissions received during consultations on how to address genetic discrimination in life insurance, with 97% supporting a total ban. This ban will be reviewed every five years to safeguard against any unintended consequences.
Genetic testing is a vital mechanism for members of our community to access information that enables them to make informed decisions. No Australian should hesitate to undergo testing out of fear it could affect their ability to obtain life insurance. It’s a crucial step forward in ensuring that every Australian, especially those affected by Huntington’s disease, can access genetic testing without fear of discrimination.
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