Problem:
In the realm of genomic healthcare, an ethical dilemma revolves around genetic discrimination in life insurance. This scenario presents a conflict between the ethical principles of justice and nonmaleficence, as individuals may face discrimination based on their genetic predispositions, leading to unfair treatment and harm. Violation of Justice: Genetic discrimination in life insurance violates the principle of justice by unfairly penalizing individuals for factors beyond their control. Insurers may use genetic information to deny coverage or charge higher premiums, exacerbating inequalities in access to insurance and healthcare. Potential Harm: Genetic discrimination in life insurance may cause harm to individuals by limiting their access to essential coverage, leading to financial strain and inadequate healthcare. This dilemma highlights the tension between the economic interests of insurers and the ethical imperative to prioritize individuals' well-being and rights (Jones, & Williams, 2020). Psychological Impact: The fear of genetic discrimination may have adverse psychological effects on individuals, causing stress, anxiety, and stigma associated with genetic conditions. This raises concerns about the mental health and emotional well-being of individuals subjected to genetic discrimination in life insurance (Smith, & Johnson, 2021). Genetic discrimination in life insurance presents a significant ethical dilemma in genomic healthcare, violating principles of justice, nonmaleficence, and fairness. It underscores the need for legislative protections and ethical guidelines to safeguard individuals from discrimination based on their genetic information.