Since the 1990s, insurance has been the primary field focused on the social disadvantages of using genetic test results because of the concerns related to adverse selection. Although life insurance is popular in Japan, Japan does not currently have any regulations on the use of genetic information and insurers have largely kept silent for decades. To reveal insurers’ attitudes on the topic, we conducted an anonymous questionnaire survey with 100 insurance company employees and recruited nine interviewees from the survey respondents. We found that genetic discrimination is not generally considered as a topic of human rights. We also found that insurers have uncertain fears and concerns about adverse selection in terms of actuarial fairness but not regarding profits. When it comes to preparing guidelines on the use of genetic information by Japanese insurers, we believe that public dialog and consultation are necessary to gain understanding of the people.

自 1990 年代以来，由于与逆向选择相关的担忧，保险一直是关注使用基因测试结果的社会不利因素的主要领域。虽然人寿保险在日本很受欢迎，但日本目前没有任何关于使用基因信息的规定，保险公司几十年来基本上保持沉默。为了揭示保险公司对该话题的态度，我们对 100 名保险公司员工进行了匿名问卷调查，并从调查对象中招募了 9 名受访者。我们发现基因歧视通常不被视为人权话题。我们还发现，保险公司对精算公平性而非利润方面的逆向选择存在不确定的恐惧和担忧。