A five-year ban on allowing insurers to use genetic test results has been backed by ministers.The moratorium is a key part of the government's response to the science and technology select committee report on genetics and insurance, published last week. It will apply to life insurance policies up to£500,000 and critical illness, long-term care insurance and income protection up to£300,000. Junior health minister Lord Hunt said: 'This will ensure no-one is put off having a genetic test because they fear the result may affect their ability to get insurance cover. This is essential because genetic tests can offer important health benefits for many people.'