No pressure

Insurers will not require, compel or pressure potential applicants to undertake genetic testing for underwriting purposes.

Diagnostic Genetic Test Results

Insurers may request for the results of such Diagnostic Genetic Test for the purpose of underwriting.

Scientific Research Content

Insurers will not ask for the results of any type of genetic tests (Diagnostic or Predictive) for the purpose of underwriting if the genetic testing was conducted in the context of scientific research.

Three Criteria

Three criteria – Type of Insurance Policy & Protection Limit Applied, and defined Predictive Genetic Tests

Type of Insurance Protection Limit Predictive Genetic Tests
Life Insurance HKD5,000,000
  • Early-onset autosomal dominant Alzheimer Disease (EOAD)
  • Hereditary breast & ovarian cancer syndrome
  • Lynch syndrome / Hereditary non-polyposis colorectal cancer
  • Autosomal dominant polycystic kidney disease (ADPKD)
  • Huntington's disease (HD)
  • Hypertrophic cardiomyopathy (HOCM)
Critical Illness / Dread Disease Insurance HKD1,000,000


Relative or Family Member's Results

Insurers will not ask or use the results of any genetic tests of a relative or family member of a proposed or existing insured person for the purpose of underwriting.


Read more about the Best Practice on the Use of Genetic Test Results.

* Should there be any discrepancies between the contents of this page and that of the Best Practice, the latter shall prevail.