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Unusual medical insurance

I am afraid I must protest against part of the article by Dr Bradley concerning items not needing to be disclosed (Features, February 26).

To submit a proposal for insurance knowing that one has an unfavourable genetic test result, and fail to disclose that result, is dishonest, and for a GP to be involved in such an attempted unfair application for insurance would imply association with fraud.

The patient may know they have a high risk, or even certainty, of developing an inherited condition, and may seek to insure against this with an unfair advantage over the insurance company and other policyholders, and this could not be condoned.

On the other hand, a genetic test result with no current known implications for the patient could readily be withheld, and I think there is a definite difference here.

The same is true for lifestyle. That is precisely why the premiums for lifestyles including motorcar racing and adventure travel holidays are higher than for ordinary day-to-day life. To a varying extent the same applies to lifestyle choices like smoking, drinking, drugs and promiscuity.

They carry known, and roughly quantifiable, additional risks, and to fail to disclose them would be dishonest.

Dr David Church,

Machynlleth, Wales

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