usikringene

Usikringene is a Norwegian term that roughly translates to “the uninsured” or “the unprotected,” depending on context. In public discourse, it is often used to describe people, groups, or sectors that lack formal protection within a given system—such as health insurance, pension schemes, unemployment benefits, or safety nets. The word is formed from usikring (the absence of protection) with the plural definite suffix -ene.

In social policy, usikringene are discussed as gaps or vulnerabilities in coverage. For example, self-employed workers, temporary or part-time employees, asylum seekers or migrants, and people in structural poverty may fall outside standard social insurance schemes, leaving them more exposed to financial risk from illness, job loss, or old age. The exact composition of usikringene varies by country and by policy domain.

Policy responses aim to reduce or close these gaps through universal or mixed protection models, simplified eligibility, portability of benefits, or targeted programs. Common approaches include expanding public health coverage, extending insurance to the self-employed, ensuring minimum income schemes, and improving access to social services regardless of employment status or residency.

In academic and policy literature, usikringene are used to analyze the effectiveness and fairness of welfare systems, and to assess the distributional impact of reforms. Critics argue that high levels of protection should apply broadly to reduce insecurity, while proponents emphasize targeted measures to control costs.

See also: welfare state, universal health coverage, social security, insurance law, social safety nets.