Thursday, September 22, 2011

insurance - health screening to predict heart attack risk?


the free daily tabloid, today carried a report that hundreds of singaporeans will be involved in a landmark studay to develop a simple blood test that can predict if a person is at risk of a heart attack or even stroke.

a team of scientists from the netherlands and singapore had discovered that more than 10 types of unique proteins, or biomarkers are present in the blood of people who recently had a stroke or heart attack.

professor newman sze, ntu's lead scientist, estimates that the blood test kit can be developed for use during health screenings at local polyclinics and hospitals in 4 to 5 years' time.

my comments:


let me pose a rhetorical question; what happens when what professor newman sze has said that the kit has been fully developed and incorporated into health screenings on a national level through polyclinics and hospitals in 4 to 5 years' time?

well, the test kit (when freely available) can be both a boon and a hindrance to u, depending on which side of the equation u fall into?

what do i mean?

if the result is negative, fine but if it is otherwise and u wish to apply for an insurance policy?

what then?

insurance contracts operate on both the principle of utmost good faith and the other one on insurability.

and because u now fall into the category of a person with the risk of a future probability of suffering a stroke or heart attack, do u think insurers will ignore this risk in their underwriting process.

meanwhile, the clock is counting down to the day when this test kit becomes a reality.

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