insurance coverage
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insurance coverage
The contractually guaranteed benefit of an insurance policy that applies in the event of a specific loss or damage event (e.g., accident, illness, theft). The term describes the scope of coverage.
Prüfen Sie vor der Reise, ob Ihr Versicherungsschutz auch im Ausland gilt.
Before traveling, check whether your insurance coverage also applies abroad.
The word consists of 'die Versicherung' (insurance) and 'der Schutz' (protection). So it literally describes the protection you receive through insurance.
Ohne gültigen Vertrag haben Sie keinen Versicherungsschutz.
Without a valid contract, you have no insurance coverage.
Common verbs used with 'Versicherungsschutz' (insurance coverage) are 'haben' (have), 'bieten' (offer/provide), 'genießen' (enjoy), or 'verlieren' (lose). A person 'has' coverage; an insurance company 'offers' it.
Viele Kreditkarten bieten einen zusätzlichen Versicherungsschutz auf Reisen.
Many credit cards offer additional insurance coverage when traveling.
To express that the coverage is active or valid, you often use the verbs 'bestehen' (exist/be in place) or 'gelten' (apply/be valid). For example, you can say: 'Es besteht Versicherungsschutz' (insurance coverage is in place) or 'Der Schutz gilt weltweit' (the coverage applies worldwide).
Für diese spezielle Behandlung besteht leider kein Versicherungsschutz.
Unfortunately, there is no insurance coverage for this special treatment.
protection
'der Schutz' and 'der Versicherungsschutz' both have to do with protection against harm. 'Schutz' is very general and can come from people, rules, clothing, or measures. 'Versicherungsschutz' is much more specific: it means protection through an insurance contract, for example in the case of an accident, illness, or theft. When it is about safety or protection in general, 'Schutz' fits. When it is about insurance and its benefits, 'Versicherungsschutz' is more precise.
Vor der Reise prüft meine Nachbarin ihren Versicherungsschutz.
Before the trip, my neighbor checks her insurance coverage.
Bei der Arbeit in der Werkstatt trägt Paul Handschuhe zum Schutz seiner Hände.
When working in the workshop, Paul wears gloves to protect his hands.