Who is described as a person covered by the insurance policy under a member's plan?

The correct answer refers to the definition of a "dependent" in the context of insurance policies. A dependent is typically a person who is covered by a health insurance plan but is not the primary holder of that policy, often relying on the primary subscriber's coverage. This can include children, spouses, or other family members that qualify under the terms of the insurance plan.

The term reflects the relationship to the primary insured individual (the subscriber), who is the main policyholder and often pays the premiums for the insurance coverage. Dependents enjoy benefits such as medical care and financial protection without being directly responsible for these costs through their own insurance policies.

In contrast, a subscriber is the primary individual who owns the insurance policy; a beneficiary usually refers to someone who may receive benefit payments upon certain conditions, like a death benefit, and the term insured can be used more broadly to describe anyone covered under the policy, which may include both the subscriber and dependents. However, the specific terminology highlights the nature of the relationship among those covered.