NY A04811

Requires all accident and health insurance policies delivered or issued in New York on or after September 1, 2023 to cover genetic testing for individuals deemed to have significant risk of contracting cancer based on attending physician opinion.

Defines "significant risk" as having a family history of cancer where multiple generations were affected, a family member had multiple cancer occurrences, or a family member under age 45 was diagnosed with cancer.

Mandates coverage for genetic testing and any subsequent treatment resulting from test results for qualifying individuals, applying to policies providing physician office services or major medical/comprehensive-type coverage.

Prohibits insurers from using or releasing genetic test results for any purpose other than the medical coverage determination and prevents policy denial or cancellation based on predisposing genetic characteristics.

Applies requirements to all three insurance policy types covered under Insurance Law sections 3216, 3221, and 4303.