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人类基因组计划的完成使基因检测技术的应用成为可能与现实。本文从收益成本角度来衡量不同情况下的保险人、投保人采用昂贵的基因检测技术获取个人的基因信息的行为选择,并利用博弈分析双方的利益分配。得出信息优势一方都可能利用其信息优势获利或采取不利于对方的行动,侵占对方利益的结论。因此,基因检测技术的应用会打破保险市场的原有均衡,在基因技术成熟应用以前,各国有必要对保险公司的行为予以约束,采取相应的立法措施对基因检测技术的使用和应用加以限制,保护相关人的合法利益,维护保险人存在的基础。
The completion of the human genome project makes the application of genetic testing technology possible and realistic. In this paper, from the point of view of cost of return, we measure the behaviors of insurers and policyholders using expensive genetic testing technology to obtain personal genetic information from different perspectives, and use game theory to analyze the distribution of benefits of both parties. Obtaining information advantages One party may use its information advantage to profit or take adverse action to each other, embezzle the interests of each other’s conclusions. Therefore, the application of genetic testing technology will break the original balance of the insurance market. Before the mature application of genetic technology, all countries need to restrain the behavior of insurance companies and adopt corresponding legislative measures to limit the use and application of genetic testing technologies. Protect the legitimate interests of the relevant people, and maintain the basis for the existence of the insurer.