Bill > H3257

This bill provides comprehensive genetic protections across different types of insurance in South Carolina by prohibiting insurers from using genetic information to discriminate against individuals. Specifically, the bill defines "genetic information" as data derived from genetic testing that reveals potential disease risks or genetic mutations, and applies to life, health, and long-term care insurance policies. Under the new law, insurers cannot require genetic tests as a condition of obtaining coverage, cannot request or use genetic information for underwriting purposes without explicit written consent, and are prohibited from canceling, limiting, or denying coverage based solely on genetic information. The bill also explicitly states that these protections do not apply to specific types of policies like accident-only, dental, or vision insurance, and does not prevent insurers from accessing medical records or considering medical diagnoses. Additionally, the bill extends similar protections to disability income insurance policies, ensuring that insurers cannot discriminate against individuals based on their genetic information. The goal of the legislation is to prevent genetic discrimination and protect individuals from potential insurance-related penalties based on their genetic predispositions.

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https://www.scstatehouse.gov/billsearch.php?billnumbers=3257&session=126&summary=B