Who are termed as insureds in health insurance?

In health insurance terminology, insureds refer specifically to the individuals who are covered under a health insurance policy and are thus eligible to receive health benefits. This includes not only those who may have purchased the insurance themselves but also dependents or family members who are included in the policy. The essence of being an insured is the protection provided by the health insurance plan against medical expenses, meaning these individuals can access benefits like hospital stays, doctor visits, and preventive care.

While individuals who purchase health insurance policies can be considered insureds, the definition is broader and encompasses anyone receiving coverage under that policy. This is why the chosen answer correctly highlights people who are covered and able to utilize the health benefits provided by the insurance plan. Employers who provide health insurance are not termed as insureds, as they are the entities that facilitate the insurance coverage rather than the individuals benefiting from it. Similarly, healthcare providers, while integral to the delivery of services, are not the insured parties under health insurance policies.