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  • FSC introduces position on Genetic testing for insurers

    18 June 2019


    The FSC has introduced a new mandatory standard for its life insurer members, with the establishment of a moratorium on genetic tests for the life insurance industry.

    These changes will apply to any new applications and clients that are creating an alteration that requires underwriting received on or after 1 July 2019.

    What does this mean for you and your clients?

    AIA Australia (AIAA) will only request and use the results of an applicant’s previously taken, planned or considered genetic test to form part of the underwriting consideration, if the amount of cover being applied for across all policies (including group insurance) exceeds one of the following limits:

    • $500,000 of lump sum death cover
    • $500,000 of total permanent disability cover
    • $200,000 of trauma or critical illness cover
    • $4,000 a month of income protection or salary continuance cover
    dna

    What’s changed to AIAA's application process?

    To comply with the above, the paper application form has been updated and no longer requests the applicant to provide genetic test results. In addition, enhancements will be implemented in eApp to ensure the question relating to genetic tests will only appear if the cover that is being applied for meets the required thresholds.

    These changes will further streamline the application process and reinforces AIAA’s commitment to providing the highest standards of service to our clients.

    Why is this a good outcome for me and my clients?

    The objective of the moratorium is to ensure a consistent experience across the life insurance industry and promote genetic inclusion by ensuring applicants can access a level of life insurance without being asked about the result of a previously taken genetic test. In addition, AIAA’s position is to only take into account cover held with AIAA and exclude any other life insurance cover for underwriting consideration.

    How to obtain a copy of the FSC Standard

    For further information, or to obtain a copy of the Genetic Testing Moratorium and a full list of the insurance companies it covers, visit the FSC website at www.fsc.org.au.

    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

    AIA Global aia.com

    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

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    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2207, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 1 April 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
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