Russian Translation(s) & Details for 'insured'

English Word: insured

Key Russian Translations:

• страхованный [ˈstrɐxəvənnɨj] - [Formal, Adjective]
• застрахованный [zəˈstrɐxəvənnɨj] - [Formal, Noun or Adjective, Used in legal or insurance contexts]

Frequency: Medium (Common in business, legal, and insurance discussions, but not everyday casual conversation)

Difficulty: B1 (Intermediate; requires understanding of Russian adjectives and noun inflections, though basic forms are straightforward for learners at this level)

Pronunciation (Russian):

страхованный: [ˈstrɐxəvənnɨj]

Note on страхованный: The stress falls on the second syllable; be cautious with the soft 'н' sound, which can be tricky for English speakers. Variations may occur in rapid speech.

застрахованный: [zəˈstrɐxəvənnɨj]

Note on застрахованный: Stress on the third syllable; the prefix 'за-' adds a prefixal emphasis, and the word may shorten in informal contexts to [zəstrɐxəvənnɨj].

Audio: []

Meanings and Usage:

Meaning 1: As an adjective, referring to something or someone covered by insurance.

Translation(s) & Context:

• страхованный - Used in formal contexts like contracts or policies to describe protected assets or individuals.
• застрахованный - Often used for people or entities that are insured, emphasizing the act of insuring.

Usage Examples:

• Мой автомобиль был застрахован на случай аварии.

  My car was insured in case of an accident. (This example shows the word in a possessive context, highlighting protection.)

• Страхованный груз прибыл без повреждений.

  The insured cargo arrived without damage. (Demonstrates use in a business or logistics setting.)

• Застрахованный клиент имеет право на компенсацию.

  The insured client has the right to compensation. (Illustrates legal implications in insurance claims.)

• Эта политика покрывает все застрахованные риски.

  This policy covers all insured risks. (Shows the word in a broader policy context.)

Meaning 2: As a noun, referring to the person or entity that is insured.

Translation(s) & Context:

• застрахованный - Common in insurance documents to refer to the policyholder or beneficiary.

Usage Examples:

• Застрахованный должен уведомить компанию о любых изменениях.

  The insured must notify the company of any changes. (This example highlights obligations in a contractual setting.)

• В контракте указано имя застрахованного лица.

  The contract specifies the name of the insured person. (Demonstrates use in formal documentation.)

• Застрахованный получает выплату в случае потери.

  The insured receives a payout in case of loss. (Shows the word in a financial recovery context.)

Russian Forms/Inflections:

Both "страхованный" and "застрахованный" are adjectives/participles derived from verbs, and they follow standard Russian adjective inflections. They agree in gender, number, and case with the noun they modify. For example:

These words are regular in their inflections, following the first declension pattern for adjectives. If used as a noun (e.g., застрахованный as "the insured"), it may take nominal endings but is less common.

Russian Synonyms/Antonyms:

• Synonyms:
  • защищённый (protected) - Often used interchangeably in non-insurance contexts, but less specific to financial insurance.
  • обеспеченный (secured) - Implies broader security, with a connotation of financial stability.
• Antonyms:
  • незастрахованный (uninsured) - Directly opposite, indicating lack of coverage.
  • рискованный (risky) - Implies exposure to danger without protection.

Related Phrases:

• Застраховать имущество - To insure property (Common phrase for purchasing insurance on assets).
• Страховой полис застрахованного - Insurance policy of the insured (Used in legal documents to refer to policy details).
• Полностью застрахованный - Fully insured (Emphasizes comprehensive coverage in financial discussions).

Usage Notes:

In Russian, "insured" is typically translated as "страхованный" or "застрахованный" depending on context. "Застрахованный" is more common for people or entities, while "страхованный" suits objects or general coverage. Always consider the formal register, as these terms are prevalent in legal and business settings. For everyday English speakers, note that Russian requires gender and case agreement, so the word changes based on the noun it describes. When choosing between translations, opt for "застрахованный" if emphasizing the action of insuring.

• Grammar tip: These words are past passive participles, so they can function as adjectives or parts of verb phrases.
• Context guidance: In informal speech, Russians might use simpler terms like "с страховкой" (with insurance), but stick to the formal equivalents for accuracy.

Common Errors:

English learners often confuse the inflections, such as using "страхованный" in the wrong case. For example:

• Error: Saying "Я имею страхованный полис" (incorrect, as it doesn't agree in case).
• Correct: "Я имею застрахованный полис" (proper agreement for a masculine noun in accusative case). Explanation: Russian adjectives must match the noun's case, so always check the sentence structure to avoid this mismatch.
• Another common error: Overusing "страхованный" for people, when "застрахованный" is more precise. Explanation: This can lead to ambiguity; use context to differentiate.

Cultural Notes:

In Russia, insurance terminology like "застрахованный" reflects a cultural emphasis on bureaucratic and legal precision, stemming from Soviet-era regulations. It's often associated with state-mandated insurance, such as for vehicles, which can carry connotations of reliability and compliance in modern society.

Related Concepts:

• страховка (insurance)
• полис (policy)
• компенсация (compensation)