In Australia, genetic test results do not affect your ability to get health insurance. However, a genetic test may have implications for “risk rated” insurances like life, disability, income protection, or travel insurance. An insurer can only ask you for your own genetic test result, not a result for one of your relatives. A limited moratorium on insurers asking for genetic test results has been in place since July 2019.
The Australian government is in the process of legislating a total ban on the use of adverse genetic testing results in life insurance.
A genetic counsellor can provide you with up to date general information about what genetic testing means for your insurance. For detailed advice about your personal circumstances, you may need to speak with a legal, financial, or insurance professional. Further information is available from:
The Financial Services Council (Genetic Tests and Life Insurance-Key Facts)
The Centre for Genetics Education (Implications for life insurance)