policyholder
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policyholder
The person or organization that takes out an insurance contract with an insurance company. The policyholder is the contractual partner of the insurer and is obligated to pay the premiums.
Im Schadensfall muss der Versicherungsnehmer den Vorfall umgehend der Versicherung melden.
In the event of damage, the policyholder must report the incident to the insurance company immediately.
The word is made up of three parts: 'Versicherung' (insurance), the linking -s, and 'Nehmer' (from 'nehmen' — to take). So a 'Versicherungsnehmer' is literally someone who “takes” insurance, or takes out a contract.
Der Versicherungsnehmer muss die Vertragsbedingungen genau lesen.
The policyholder must read the contract terms carefully.
'Versicherungsnehmer' (policyholder) is an official term from contract and insurance law. It is mainly used in written documents such as contracts or in formal conversations.
Alle Rechte und Pflichten des Versicherungsnehmers sind im Vertrag aufgeführt.
All rights and obligations of the policyholder are listed in the contract.
Common verbs used with 'Versicherungsnehmer' (policyholder) are 'einen Vertrag abschließen' (to conclude/take out a contract), 'einen Schaden melden' (to report damage/a claim), and 'einen Beitrag zahlen' (to pay a premium/contribution).
Der Versicherungsnehmer ist verpflichtet, jeden Schaden unverzüglich zu melden.
The policyholder is obligated to report any damage immediately.
insurer
'der Versicherer' and 'der Versicherungsnehmer' are on two different sides of an insurance contract. The insurer offers the coverage and pays in the event of a claim according to the rules of the contract. The policyholder takes out the contract and pays the premiums. The words are easy to confuse because they sound very similar and both belong to the topic of insurance. A simple way to remember it is: the 'Versicherer' gives the protection, while the 'Versicherungsnehmer' makes use of the protection.
Der Versicherungsnehmer muss seine neue Adresse sofort melden.
The policyholder must report his new address immediately.
Der Versicherer hat den Schaden am Auto bezahlt.
The insurer paid for the damage to the car.