The proposed bill, H. 3257, aims to enhance genetic protections in insurance policies within South Carolina by adding several new sections to the South Carolina Code of Laws. Specifically, it introduces provisions that prohibit life insurers, health insurers, and long-term care insurers from canceling, limiting, or denying coverage based solely on an individual's genetic information. The bill defines "genetic information" and establishes that insurers cannot require genetic testing as a condition for insurability or use genetic information for underwriting purposes without the individual's written consent. Additionally, the bill clarifies that these protections do not apply to certain types of insurance policies, such as accident-only or dental policies.

Furthermore, the bill amends Section 38-71-105 to ensure that disability income insurance policies cannot discriminate against individuals based on their genetic information or their status as living organ donors. The Department of Insurance is granted authority to enforce these provisions. The bill is set to take effect upon approval by the Governor, reinforcing the commitment to protect individuals from genetic discrimination in insurance practices.

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