Maybe I want to steal a kidney, or a child that could reasonably pass as my own?
Unless this is an online joke I don't get, I think you mean "scapegoat".
"The concept comes from an ancient Jewish ritual described in the Bible, specifically in Leviticus 16. During the Day of Atonement (Yom Kippur), two goats were chosen: one to be sacrificed and the other to be sent into the wilderness, symbolically carrying away the sins of the community. This second goat was called the "Azazel" or the "scapegoat".
Over time, the term "scapegoat" evolved to have a more general meaning in English. It came to refer to a person or group that is unjustly blamed for the problems or misfortunes of others, reflecting the original ritual in which the goat was symbolically burdened with the sins of others before being sent away. "
However, it's a significant risk for other types of insurance including life, disability, and long term care.
It's more than likely that they would use genetic data to deny insurance, and then settle the cases in court if they happen to get sued, which statistically is probably a rare occurrence.
There are already literally entire databases of millions of peoples DNA freely available for scientific research.
So far, the only real use-case for doing this is people trying to identify criminals from just DNA.
