försäkrade

Försäkrade is a Swedish term used to describe the person or persons who are covered by an insurance contract. The word comes from the verb försäkra (to insure) and is commonly found in insurance documents as the designation for the individual whose life, health, property or other risk is protected by the policy. The insured is not necessarily the same as the policyholder, who owns the contract and typically pays the premiums; in many cases both roles are held by the same person, but they can be different.

In life and health insurance, the insured is the person on whose life or health the policy is based. In property and casualty insurance, the insured may refer to the owner of the property or the party seeking coverage for the asset or risk. The policy outlines what benefits will be paid to or on behalf of the insured when a covered event occurs, and it may specify conditions for validity, exclusions, and obligations of the insured.

In the Swedish social insurance system, the term also appears in reference to individuals eligible for benefits from authorities such as Försäkringskassan. Here, the insureds are those who qualify for sickness benefits, disability allowances, pensions, or other social security benefits, subject to meeting the relevant criteria and documentation requirements.

The expression is widely used in everyday language as well, e.g., “jag är försäkrad” (I am insured). Overall, försäkrade denotes the beneficiary or subject of coverage under an insurance agreement or program.