Before entering into a private insurance contract not covered by Article 43, insurance providers may not request genetic data from prior presymptomatic genetic tests or make use of such data unless:
the test in question provides reliable results both technically and in practical medical terms;
the scientific value of the test for the calculation of premiums has been demonstrated and is relevant; and
the person to be insured has knowledge of the genetic data.
The insurance provider may only require that the data according to paragraph 1 be transmitted to the designated physician. The physician may inform the insurance provider only of the risk group to which the applicant must be assigned.
The genetic data and data on the risk group assigned may only be processed with a view to entering into a private insurance contract in accordance with paragraph 1.