insurance

USAGE SUMMARY

The phrase "insurance" is correct and usable in written English.
It can be used in contexts related to protection against financial loss or risk, typically in discussions about policies or coverage. Example: "Before traveling abroad, it's wise to purchase travel insurance to cover any unexpected medical expenses."

✓ Grammatically correct

News & Media

Formal & Business

Human-verified examples from authoritative sources

Exact Expressions

60 human-written examples

We don't have people that become ill, who die in their apartment because they don't have insurance".

The New York Times

The two supreme court justices thought likely to cast the deciding votes, Anthony Kennedy and the chief justice, John Roberts, appeared deeply sceptical of the government's contention that healthcare regulation is a special case that gives Congress the power to oblige individuals to obtain insurance.

The Guardian

If the Conservatives' latest policy of a cut in national insurance was meant to give him a debating advantage against Vince Cable and Alistair Darling, the plan backfired in spectacular fashion.

The Guardian

The legal argument focused on the challenge to core of the legislation – its requirement that almost all Americans buy health insurance.

The Guardian

George Osborne's proposed "cuts" in national insurance contributions will cost about £5.6bn, according to the Institute for Fiscal Studies.

The Guardian

A generation ago, Warren says, basics (housing costs, health insurance, transportation, education, and taxes) accounted for fifty-four per cent of the average family's income.

The Economist

Their political support no longer depends on analogizing them to private insurance.

The Economist

Against this, the three options set out for debate would leave an individual paying an average £20,000-£22,500 under a basic partnership scheme, though some would pay far more; £20,000-£25,000 under a voluntary insurance scheme, though the uninsured might pay much more; and £17,000-£20,000 under a compulsory comprehensive scheme.

The Guardian

She said McDonald's offered health insurance, but it would cost $400 a month for her alone –about half her monthly salary.

The Guardian - Business

"The longer a motorist protects their NCD and doesn't make a claim, the less cost-effective it becomes," says Kevin Pratt, insurance expert at Moneysupermarket.

The Guardian - Money

The kind of knock that would mean very little nowadays, aged just 25, he never played professionally again, and though Newcastle got their money back on the insurance, the team was never the same.

The Guardian - Sport

Expert writing Tips

Best practice

When discussing "insurance", be specific about the type of insurance (e.g., health, auto, life) to avoid ambiguity and ensure clarity.

Common error

Avoid assuming that all "insurance" policies cover the same things. Always verify the specific terms and conditions of a policy.

Linguistic Context

The noun "insurance" primarily functions as a means of protection against financial loss or risk. As Ludwig AI explains, it refers both to the business and the specific policies that provide indemnity.

Expression frequency: Very common

Frequent in

News & Media

70%

Formal & Business

20%

Science

5%

Less common in

Academia

2%

Encyclopedias

1%

Wiki

2%

Ludwig's WRAP-UP

The term "insurance" is a very common and grammatically correct noun used to describe a means of protection against financial loss or risk. As Ludwig AI confirms, it appears frequently in news, business, and finance contexts. When using "insurance", it's crucial to specify the type (health, auto, life) and understand the policy's specific terms to prevent misinterpretations. Alternatives include "coverage plan" and "protection policy", depending on the desired emphasis. This guide provides best practices, common errors to avoid, and linguistic insights to enhance clarity and precision in your writing.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

coverage plan

Refers to the specific details of what is protected under an insurance policy, focusing on the extent of protection.

protection policy

Highlights the aspect of safeguarding against potential risks or damages.

risk management

Emphasizes the broader strategy of identifying, assessing, and mitigating potential risks.

assurance coverage

Focuses on the guarantee of financial protection in case of specific events.

financial security

Shifts the focus to the peace of mind and stability that insurance provides.

indemnity plan

Specifically refers to the compensation for damages or losses provided by an insurance agreement.

hedge against risk

Implies a proactive strategy to minimize potential financial losses.

safety net

Uses a metaphorical term for the protection provided by insurance against unforeseen circumstances.

guarantee of compensation

Emphasizes the promise of reimbursement for covered losses.

contingency plan

Focuses on preparing for unexpected events and mitigating their impact, which insurance can be a part of.

FAQs

How can I use "insurance" in a sentence?

You can use "insurance" to describe a policy that protects against financial loss, as in "I need to buy car insurance" or to refer to the industry itself, such as "He works in the insurance industry".

What are some alternatives to the word "insurance"?

Depending on the context, you could use "coverage plan", "protection policy", or "risk management" as alternatives.

What's the difference between "insurance" and "assurance"?

"Insurance" typically covers events that might happen, while "assurance" usually covers events that will happen (like death). "Life insurance" is technically assurance because payout is guaranteed.

Is "insurance" a countable or uncountable noun?

"Insurance" can be both. As a general concept, it's uncountable (e.g., "Insurance is important"). To refer to a specific policy, it's countable (e.g., "I have two insurance policies").