Give feedback on draft regulations to support the ban on the use of adverse genetic test results in life insurance.
The ban comes into effect on 8 October 2026. It stops insurers requesting or using the results when underwriting life insurance policies.
There is an exception where both:
the policyholder (or their authorised agent or medical practitioner) volunteers the test
using it improves the policyholder's or beneficiary's outcomes.
The draft regulations:
clarify how the ban applies to certain genetic predispositions
make the strict liability offence and civil penalty provisions subject to the infringement notice scheme under the Insurance Contracts Act 1984.
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The Australian Parliament passed the ban on 1 April 2026. The ban was informed from previous consultations on:
