International Journal of

Arts , Humanities & Social Science

ISSN 2693-2547 (Print) , ISSN 2693-2555 (Online)
Risks Identification of Genetic Test Results Applied in Insurance Underwriting- A Design Thinking Analysis


In order to provide more information to help insurers do the preparation well to face the era of genetic generation, there are two goals need to be achieved for this research. The first is to identify the risks concerned by potential insurance consumers either agree to provide genetic testing results used as part of the underwriting process or not. The second is to identify the risks concerned by insurers either be allowed to use genetic testing results as an underwriting reference or not. A five-point scale attitude survey is used to collect data, then analyzed by the descriptive statistic analysis and independent t test. Furthermore, this study conducts a five-step process of design thinking that enables to come up with impactful solutions vetted by the potential customers. There are four recommendations include 1. The supervisor should invite insurer, genetic experts and consumers to get together to develop laws or regulations related to reasonable using genetic testing in insurance underwriting. 2. Insurers should design a clear and easy understand policy related to using genetic testing results in underwriting to avoid disputes and improve the acceptance of policies. 3. The supervisor not only to develop a consumer protection mechanism by revising the contemporary related statutes but also to request insurance companies to improve the employees’ legal awareness of using genetic test results appropriately by providing advance on the job training program. 4. The insurance industry, by applying Blockchain tech, to establish a third-party justice and trusted unit to manage genetic testing information fairly and insurance companies could reasonably employ genetic testing information in their underwriting procedures.