Insured Person

An insured person is the individual covered under an insurance policy who is entitled to receive benefits for eligible claims. In a personal policy, the insured person is typically the policyholder who owns the coverage. In a group insurance plan, the insured person is the employee or member enrolled in the plan, and their eligible dependents may also be covered under the same contract.

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The insured person’s rights and benefits are outlined in the policy or certificate of insurance. These may include coverage for medical, dental, disability, life, or accident-related expenses, depending on the type of plan. The insured person is responsible for providing accurate information during the application process, paying any required premiums, and submitting claims according to the policy’s terms.

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Example:

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If you are covered under your employer’s group health plan, you are the insured person. Your spouse and children, if listed as dependents, are also insured persons under your family coverage.

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What to Watch For:

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Ensure that your personal details and those of your dependents are correct on your insurance records, as errors can delay or deny claims. Review your policy to understand your responsibilities, including premium payments and claims submission deadlines. When transitioning between group and individual plans, verify that your insured status continues without interruption.