The bill H. 3257 aims to enhance genetic protections in insurance policies within South Carolina by adding new sections to the state code that prohibit insurers from discriminating against individuals based on their genetic information. Specifically, it establishes that life insurers, health insurers, and long-term care insurers cannot require genetic testing as a condition for coverage, nor can they cancel, limit, or deny coverage based solely on an individual's genetic information without obtaining written consent. The bill also clarifies the definition of "genetic information" and outlines the rights of individuals regarding their genetic data in the context of insurance underwriting.

Additionally, the bill amends existing legislation related to disability income insurance to ensure that insurers cannot decline or limit coverage based solely on an individual's genetic information. It reinforces that insurers must not discriminate against living organ donors in the context of disability income policies. The bill includes specific provisions that delineate the types of insurance policies to which these protections apply and emphasizes that insurers can still access medical records for underwriting purposes, provided they comply with the consent requirements. The act will take effect upon approval by the Governor.

Statutes affected:
12/05/2024: 38-63-120, 38-71-105
02/05/2025: 38-63-120, 38-71-105
Latest Version: 38-63-120, 38-71-105
12/06/2024: 38-63-120, 38-71-105