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Topic Summary
Arizona State Statute:
opens new window Arizona: ARS 20-448
Health Insurance Nondiscrimination,
Other Lines of Insurance Nondiscrimination
Life and disability insurers (disability insurance is defined in the statutes to include health insurers) may not refuse to consider an application on the basis of a genetic condition. Information about a genetic condition may not be used for underwriting or ratemaking of life and disability insurance policies unless supported by the applicants medical condition, medical history and either claims experience or actuarial projections. In the case of disability insurance the use of information about a genetic condition for underwriting or ratemaking purposes constitutes unfair discrimination in the absence of a diagnosis.

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Last Reviewed: June 10, 2014