CONCEPTUAL APPROACHES TO USING THE RESULTS OF GENETIC RESEARCH IN THE FIELD OF PERSONAL INSURANCE

The availability and high information content of the results of genetic research require the legislator to decide on the limits of their use in various spheres of public life, including when concluding insurance contracts. Targeted genome sequencing is more appropriate for insurance purposes, although for de novo mutations, disease detection is only possible when exomic sequencing is performed. The research made it possible to conclude that there is a need for regulatory regulation of the use of genetic research results in the implementation of personal insurance. At the same time, we should proceed from: a differentiated approach to diagnostic and predictive tests, extending restrictions only to the latter; the possibility of regulating these relations at the level of self-regulationwhile controlling key positions by the Central Bank of the Russian Federation as the regulator of the insurance market; the permissibility of the use of genetic testing results in the sphere of voluntary personal insurance in case of a contract for the amount above the established limits; the necessity of refutation is a family history in order to develop a more favorable terms of insurance with the appropriate will of the insured; the feasibility of establishing a Biobank data including the purpose of ensuring the access of insurers to the impersonal statistical information. At the same time, it is true that in many aspects the lack of access to genetic data is fully compensated for by traditional actuarial methods.