nur mal so laut gedacht...
Deine Idee mit den Versicherungen ist nicht neu und hat zumindest in den USA überhaupt keinen bzw. wenig Umsatz gebracht.
Hier die Meldung von Calypte dazu, immerhin bereits 1 Jahr alt:
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Calypte's Urine HIV-1 Antibody Test Now Approved for Life Insurance Screening In All 50 States
ALAMEDA, Calif., Sep 19, 2002 /PRNewswire-FirstCall via COMTEX/ --
West Virginia Department of Insurance Amends Rule to Include Urine HIV-1 Antibody Testing
Calypte Biomedical Corporation (OTC Bulletin Board: CALY), the developer and marketer of the only two FDA-approved HIV-1 antibody tests that can be used on urine samples, announced today that the West Virginia Office of the Insurance Commissioner has cleared the way for urine HIV screening among life insurance applicants in that state. With this decision, Calypte's urine HIV-1 screening test is now approved for use by the life insurance industry in all 50 states.
Until now, life and health insurance companies writing policies in West Virginia have been unable to test specimens other than blood and oral fluid for HIV. The Interpretive Rule amendment made by the commissioner is intended to serve as a bridge to the effective date of the Legislative Rule, and allows the urine-based screening to begin immediately. The Legislative Rule is expected to be effective in the spring or summer of 2003.
"Life Insurance companies have been very receptive to urine-based testing as an effective, convenient and cost-effective alternative to blood testing," said Nancy Katz, President and CEO of Calypte Biomedical. "We now have the approval of approximately 150 insurance companies to order our tests, including nine of the top 10 life insurance underwriters as ranked by policy value. The Calypte urine antibody tests are completely non-invasive, which results in a painless and comfortable way for insurance applicants to provide a specimen. Also, urine testing is safe for those collecting the specimen who otherwise would be at risk of contracting HIV from accidental needlestick injuries. We are very pleased that the State of West Virginia has made progress developing the necessary procedures that allow our life insurance customers to expand their utilization of urine testing."
"Now that West Virginia has joined every other state in approving urine screening tests for HIV-1 antibodies, we believe that it will be even easier to get our message out to life insurance and other communities that our proprietary urine screening test represents the future direction of HIV-1 screening," said Anthony Cataldo, Calypte's Chairman.
Gruß, sireuitz
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