染色体异常是否可以在投保前进行检测？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	染色体异常是否可以在投保前进行检测？
释义	法律分析：目前，我国没有专门的法律规定投保前是否可以进行染色体异常检测。但是，根据《中华人民共和国保险法》第三十二条规定，保险公司应当在核保时向投保人告知必要的投保要求和条款，投保人应当如实告知被保险人的健康状况和其他有关情况。因此，投保人和被保险人在投保前需如实告知自身的健康状况和其他相关情况，如果染色体异常会对被保险人的健康造成风险，应当如实告知保险公司。法律依据：《中华人民共和国保险法》第三十二条保险公司应当在核保时向投保人告知必要的投保要求和条款，投保人应当如实告知被保险人的健康状况和其他有关情况。总之，虽然目前我国没有明确规定是否可以在投保前进行染色体异常检测，但是投保人和被保险人应当如实告知自身的健康状况和其他相关情况，以便保险公司根据具体情况进行投保审核和理赔。
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