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There's no fear of an uninsurable underclass here

I refer to your report 'Gene tests give GPs ethical nightmare' (June 30). As the genetics white paper made clear, the UK insurance industry has agreed a five-year moratorium with the Government. Above the moratorium limits, insurers are only allowed to take account of the results of those genetic tests the Government has judged to be relevant to insurance.

Currently, only the test for Huntington's disease has been so judged, for life insurance policies over £500,000.

If other tests were to be approved in future, they too could not be used except for life insurance policies over £500,000, and for critical illness policies over £300,000.

The moratorium should reassure doctors and their patients that the issue of an uninsurable underclass does not arise.

Patrick Mahon

Association of British Insurers

London EC2

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