versichert

Versichert is the past participle of the German verb versichern and is commonly used as an adjective meaning "covered by an insurance policy" or "insured." As a noun, the insured person is typically referred to as der Versicherte (die Versicherte in feminine form). The word versichert itself is not used as a noun.

In insurance contracts and formal language, der Versicherte or die Versicherte designates the person or property that is covered by the policy. The policyholder is usually the Versicherungsnehmer (the insured person may or may not be the same as the policyholder). The contract defines what is insured, the insured risks or events (versicherte Risiken oder versicherte Ereignisse), and the benefits payable in case of a claim.

Usage and scope. In everyday language, one can say, Ich bin gut versichert, meaning I have comprehensive insurance coverage. The term can describe objects as well, for example das versicherte Fahrzeug (the insured vehicle) or versicherte Gegenstände. In legal and administrative contexts, the status of being versichert affects rights to benefits, premiums, and duties related to the respective insurance system, whether in private insurance or in state social insurance programs such as health, pension, or unemployment insurance.

Notes. Versichert is frequently contrasted with uninsured (unversichert) or with terms like Versicherungsvertrag (insurance contract) and Versicherungsschutz (insurance coverage). The concept is central to risk management, financial planning, and legal entitlement to compensation or medical care under a policy.