ADVANCES in genetic science are throwing up the prospect of a disturbing side-effect - a new underclass in society which cannot get insurance cover. For though genetic tests may be the key to discovering whether people are at risk from hereditary illnesses or disease, the results could also affect their ability to get a mortgage, life insurance or cover for health or long-term care.

As yet, the insurance industry is not demanding that people take genetic tests - that could be a hurdle they face in the future. But companies are seeking the results of tests from applicants who are asked if they have had them - even though this is a science in its infancy. This puts them at loggerheads with the Human Genetics Advisory Commission's report that insurers should not ask and that a two-year moratorium on testing should take place.

This is a thorny problem to be resolved. And ministers may urgently have to draw up a code of practice to respond to this impact of genetics on millions of lives.

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