本文在基因检测登记、结果集中管理的基础上,赋予公民基因检测的自由,对不同的选择采用不同的保费核算规则:对放弃基因检测的,可不考虑基因因素对出险概率的影响;对选择基因检测的,保险人可以知悉并使用其基因信息作为保费核算的依据,但要对其知悉范围、使用目的加以限制,并加强对被保险人知情权和基因隐私权的保护。 In this paper, gene test registration, the results of centralized management based on the freedom of citizens to give genetic testing, for different choices using different rules of premium calculation: to give up genetic testing, regardless of genetic factors on the probability of risk; , The insurer may know and use its genetic information as the basis for premium accounting, but it should limit its scope of knowledge and use purpose and strengthen the protection of the insured’s right to information and genetic privacy.