The 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. It defines "genetic information" and prohibits life insurers, health insurers, and long-term care insurers from canceling, limiting, or denying coverage based solely on an individual's genetic information. Insurers are also barred from requiring genetic tests as a condition for insurability and must obtain written consent before using genetic information for underwriting purposes. The bill specifies that these protections do not apply to certain types of insurance policies, such as accident-only or dental policies.

Additionally, 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. Overall, the legislation seeks to protect individuals from genetic discrimination in various insurance contexts, promoting fairness and equity in insurance coverage.

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