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Insurance and Genetic Information

2010· other· en· W4231200303 on OpenAlexaff
Yvonne Bombard, Trudo Lemmens

Bibliographic record

VenueEncyclopedia of Life Sciences · 2010
Typeother
Languageen
FieldBiochemistry, Genetics and Molecular Biology
TopicBRCA gene mutations in cancer
Canadian institutionsUniversity of Toronto
Fundersnot available
KeywordsUnderwritingActuarial scienceGenetic testingPaceAuto insurance risk selectionBusinessPopulationGenetic discriminationKey person insuranceHealth insuranceGroup insuranceMedical underwritingInsurance policyEconomicsGeneral insuranceHealth careIncome protection insuranceMedicineEnvironmental healthEconomic growth

Abstract

fetched live from OpenAlex

Abstract With the accelerating pace of genetic technology comes increased opportunity for individuals to obtain additional risk estimates about their susceptibilities to disease. Insurers argue that they need to have access to any information that predicts disease risk because the amount that policyholders pay for insurance coverage is determined by assessing their level of risk. Without access to genetic information, insurers are concerned that individuals may purchase more insurance at unadjusted premiums, which may lead to the collapse of the market. However, people are reluctant to share genetic test results with insurers due to the potential risk of insurance discrimination. As genetic testing becomes more prevalent, there are concerns that sections of the population will be denied insurance because of their genetic profiles. The question of what governments should do about this is one that has been debated in many countries. Key concept: Despite the public's fear of insurance discrimination, insurers argue that genetic health information should be shared with them to enable underwriters to make an accurate assessment of the risk.

Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.

How this classification was reachedexpand

Full frame distilled prediction

Teacher imitation

Not calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.

metaresearch head score (Codex)0.000
metaresearch head score (Gemma)0.000
Version: codex-gemma-dda1882f352aValidation status: machine_predicted_unvalidated
Candidate categoriesnone
Consensus categoriesnone
DomainCandidate signal: none · Consensus signal: none
Study designCandidate signal: Not applicable · Consensus signal: Not applicable
GenreCandidate signal: Other · Consensus signal: Other
Teacher disagreement score0.488
Threshold uncertainty score0.404

Codex and Gemma teacher scores by category

CategoryCodexGemma
Metaresearch0.0000.000
Meta-epidemiology (narrow)0.0000.000
Meta-epidemiology (broad)0.0000.000
Bibliometrics0.0000.000
Science and technology studies0.0000.000
Scholarly communication0.0000.000
Open science0.0000.000
Research integrity0.0000.000
Insufficient payload (model declined to judge)0.0000.000

Machine scores (provisional)

The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.

Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.

Opus teacher head0.006
GPT teacher head0.248
Teacher spread0.242 · how far apart the two teachers sit on this one work
Validation statusscore_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it

Classification

machine, unvalidated

Machine predicted; a candidate call from one teacher head, not a consensus.

The models applied no category: nothing in the taxonomy fit this work.
Study designNot applicable
Domainnot available
GenreOther

How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".

Quick stats

Citations8
Published2010
Admission routes1
Has abstractyes

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