försäkrad

Försäkrad is a Swedish term meaning insured, used to refer to a person who is covered by an insurance policy. The form can function as an adjective or a noun (den försäkrade). In everyday language a policy may cover one or several persons; the policyholder is often called the försäkringstagare, while the person covered by the policy is the försäkrad.

The insured amount (försäkringsbelopp) is the maximum compensation fixed in the contract. Private insurance contracts, such as life, health, or property insurance, define who is försäkrad and under which circumstances benefits are paid. The wording of the försäkringsavtal governs eligibility, deductibles, and limits. In Sweden, public social insurance also covers individuals; a person can be considered försäkrad through employment or participation in schemes administered by Försäkringskassan, which determine eligibility for sickness benefits, disability benefits, and other support.

Being försäkrad does not automatically guarantee benefits; entitlement requires meeting conditions and filing a claim with the insurer or relevant authority. Claims are assessed according to policy terms, medical or loss documentation, and applicable legislation. The term is mainly used in insurance contexts, but can appear in legal texts, employment agreements, and consumer explanations.

Related terms include försäkring, försäkringsbolag, försäkringstagare, and Försäkringskassan.