As a general remark, Insurance Europe wishes to stress that the insurance market differs from country to country in various respects (eg regulation, market structure, products on offer). This diversity is observed in particular for the issues dealt with in the Council of Europe’s consultation on predictivity, genetic testing and insurance.

As a result, and given the closed nature of the Council of Europe’s questions, Insurance Europe has refrained from answering the questionnaire because it would involve commenting on the merits of the different approaches taken by Member States. Instead, Insurance Europe has set out key messages that are applicable to the insurance sector as a whole.