In plain English
This means a person is included under someone else’s insurance coverage, not separately on their own in that role. Their insured status comes from fitting the policy or plan’s definition of a dependent.
In context
Here, "covered dependent" identifies a person on the list of covered people who is insured under another person’s policy or plan because they meet that policy’s definition of a dependent.
- Situation
- Enrolling in policies and reading coverage, member, beneficiary, and effective-date labels
- What it communicates
- identifies a dependent role on the list of covered people
Meaning limits
The term alone does not state the specific coverage details for that person.
Examples
“Arun qualified as a covered dependent under his wife's insurance plan and was not enrolled separately in his own name.”
“The clerk added the newborn as a covered dependent under her father's plan.”