Mapping your unique genetic makeup has nothing to do with genealogy, lineage or ancestry. It lays out the genes you have and the genes you don’t, which of those work and which don’t, and how the variations and mutations of them all are linked toDNA testing outfit GENEWAY, which provided insight into my general wellness, athletic ability and skin health, via its General Combo option.
Company operations and training manager Dr Christa North took me through my results, pointing out my genetic proposition and disposition. Due to a specific gene mutation, I learnt that I am extremely allergic to benzine, and another gene, which I was simply born without, makes the toxins in plastic even more toxic to me.
GENEWAY CEO Michael Goemans tells me in its current form this service is a simple value-add perk, and that the company will not have access to clients’ personal DNA data. He also says that the tests will have no bearing on risk product premiums. He believes that a greater focus on personalisation products will grow the sector and bring benefits for all.
Healthier policyholders also bode well for the sector, as it clamps down on claims, while consumers enjoy the advantage of learning more about theirBut the novelty will soon wear off if the results of these tests are required to be disclosed to an insurer. Concerns over genetic discrimination or adverse selection are making the rounds. These include exclusion from insurance coverage, the imposition of medical underwriting limits, threatening the affordability of cover and privacy of information.
Insurers are obliged to review the terms of a policy if an applicant provides the results of a predictive genetic test, in terms of an industry standard that The Association for Savings and Investment South Africa has in play.