have been insured

USAGE SUMMARY

The phrase "have been insured" is correct and usable in written English.
It can be used when referring to something that has been covered by insurance in the past and continues to be insured. Example: "All the properties in the portfolio have been insured against natural disasters."

✓ Grammatically correct

Science

News & Media

Formal & Business

Human-verified examples from authoritative sources

Exact Expressions

29 human-written examples

The inclusion criteria were that the participant must (i) have been insured at least for 1 year in the insurance scheme, and (ii) have used a health facility accredited by the NHIS during the three years preceding the survey.

BMC Health Services Research

When you pass your test, if you have been insured in your car as a leaner your insurance will now be invalid-do not drive it until you upgrade your insurance.

WikiHow

The Secretary may make loans, from the applicable insurance fund, to public housing agencies in connection with mortgages which have been insured pursuant to this subsection and which are in default.

Cornell University

We have been insured through Nationwide for at least four years.

The Guardian - Money

If the rioters had destroyed the building last night, we would have been insured.

The New York Times

(The 401 works currently on display at the de Young alone have been insured for $90 million).

The New York Times - Arts

Human-verified similar examples from authoritative sources

Similar Expressions

31 human-written examples

The banks have been insuring themselves by stocking up on Congressional derivatives--that is, saturating favored politicians with special interest funds and streamlining their expectations.

Huffington Post

Ask if house has been insured continuously, as some insurers doesn't not like to insure houses that have been without insurance for any length of time.

WikiHow

One thing that is offered is insurance, Karim told me that in his 12 years of working he had been insured for only one week of that.

BBC

That's partly because I've been insured in the Netherlands, where an all-private universal health-insurance system works very well (and costs about 40% less than American insurance).

The Economist

Thus, the design was an open insurance cohort, and in total 926 005 people had been insured, representing a total of 3.3 million person-years (PYAR).

BMJ Open

Expert writing Tips

Best practice

When writing about insurance, use "have been insured" to indicate a past action that has continuing relevance to the present, such as establishing eligibility or demonstrating a history of coverage.

Common error

Avoid using "have been insured" when referring to an ongoing state without reference to a past action. Use "are insured" instead for current coverage.

Linguistic Context

The phrase "have been insured" functions as a verb phrase in the passive voice, indicating that the subject has received the action of being insured. Ludwig AI confirms its proper usage in various contexts.

Expression frequency: Very common

Frequent in

News & Media

37%

Science

34%

Wiki

9%

Less common in

Formal & Business

9%

Encyclopedias

3%

Reference

0%

Ludwig's WRAP-UP

In summary, the phrase "have been insured" is a grammatically correct and frequently used passive voice construction that indicates a state of insurance coverage resulting from a past action. As indicated by Ludwig AI, it's appropriate across various contexts, particularly in news, scientific, and formal business settings. While versatile, it's crucial to differentiate its use from the present tense "are insured". Use "have been insured" when the act of becoming insured is relevant. Top sources using this phrase include The New York Times and The Guardian, suggesting its reliability and widespread acceptance.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

are covered by insurance

Replaces "have been insured" with a more direct statement of current insurance coverage.

are protected by insurance

Focuses on the protective aspect of having insurance.

possess insurance coverage

Formal alternative that highlights the possession of insurance benefits.

have secured insurance coverage

Stresses the act of securing insurance for protection.

hold an insurance policy

Focuses on the act of holding a policy, implying current insurance status.

are enrolled in an insurance plan

Highlights the enrollment in a specific insurance plan.

are under insurance

A more concise way of saying something is currently insured.

benefit from insurance coverage

Highlights the advantages gained from being insured.

have obtained insurance

Emphasizes the action of getting insurance in the past, with ongoing effect.

are beneficiaries of insurance

Highlights the benefit aspect of being insured.

FAQs

What is the difference between "have been insured" and "are insured"?

"Have been insured" indicates a past action with present relevance, while "are insured" describes a current state of coverage. For example, "They "have been insured" since 2010" vs "They "are insured" now".

When should I use "had been insured" instead of "have been insured"?

Use "had been insured" when referring to a past state of insurance relative to another point in the past. For example, "Before the accident, the car "had been insured"".

What are some alternatives to saying "have been insured"?

You can use phrases like "are covered by insurance", "hold an insurance policy", or "possess insurance coverage" depending on the context.

Is it correct to say "will have been insured"?

Yes, "will have been insured" is grammatically correct and refers to a state of being insured that will be completed at some point in the future. For example, "By the time he retires, he "will have been insured" for 40 years".