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fully insured group policy

Spanish translation: poliza grupal totalmente asegurada

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
English term or phrase:fully insured group policy
Spanish translation:poliza grupal totalmente asegurada
Entered by: Débora Corones

13:04 Mar 18, 2021
English to Spanish translations [PRO]
Insurance
English term or phrase: fully insured group policy
Buenos días...

Me ayudan con esto?

Estoy editando y tradujeron "fully insured group policy" como " seguros de discapacidad, un seguro voluntario "

For employees covered under a fully insured Group policy ....Para los empleados cubiertos en virtud de un seguros de discapacidad, un seguro voluntario

cómo lo usarían?

Gracias

Débo
Débora Corones
Local time: 17:02
poliza grupal totalmente asegurada
Explanation:
Se trata de una póliza grupal que contrata el empleador con una empresa de salud, para protección de sus empleados, en EEUU.

Fully insured se refiere a que no es autoasegurado, es decir, quien va a responder ante el empleado no es el empleador (caso autoasegurado) sino un tercero que es una empresa de salud. Está aclarado más abajo.

No sé si la adhesión es voluntaria o no, pero no es algo que esté explicitado en la expresión, ni es parte de su esencia, por lo que no corresponde decirlo como parte de la traducción. Lo mismo respecto a discapacidad; el concepto es mucho más amplio y general.

fully insured: totalmente asegurada (fuente: busqueda en ProZ)

Referencia para qué es fully-insured group policy
https://www.ag.state.mn.us/consumer/Handbooks/ManageHealthca... o lo que tiene Google en su cache:

https://webcache.googleusercontent.com/search?q=cache:gF8MYv...

An employer purchases a fully-insured group policy from a health carrier to cover employees of the organization. The employer may pay all or part of an employee’s premium. The policy is called fully-insured because the health carrier assumes the risk of providing coverage to the employees (in a self-insured group plan the employer assumes the risk and financial obligation to provide coverage to employees).

In a fully-insured group plan, the health carrier issues a contract (typically called a master contract or policy) to the employer. In it, the health carrier agrees to provide coverage to the employees subject to various conditions. In turn, the employees and their dependents are covered under what are typically called “certificates of coverage.”
Selected response from:

Daniel Delgado
Argentina
Local time: 17:02
Grading comment
4 KudoZ points were awarded for this answer



Summary of answers provided
4 +1poliza grupal totalmente asegurada
Daniel Delgado
3 -1seguro grupal integral
patinba


  

Answers


1 hr   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): -1
seguro grupal integral


Explanation:

Seguro grupal | Principalwww.principal.com › empleadores
¿Qué es un seguro grupal?
El seguro grupal consiste en un seguro que cubre a un grupo de personas, en tu caso, tus empleados. El seguro grupal hace parte de un paquete integral de beneficios que puede incluir varios productos de seguro. Además, puedes pagar todo, una parte o ninguno de los beneficios de tus empleados.

patinba
Argentina
Local time: 17:02
Native speaker of: Native in EnglishEnglish
PRO pts in category: 328

Peer comments on this answer (and responses from the answerer)
disagree  Daniel Delgado: Notar que "fully insured" no significa que cubre todos los riesgos, es decir, no significa integral. "Fully insured" significa que el asegurador es un tercero y no el empleador. La alternativa a "fully insured" es "self insured". Son temas distintos.
1 hr
  -> OK. Gracias!
Login to enter a peer comment (or grade)

1 hr   confidence: Answerer confidence 4/5Answerer confidence 4/5 peer agreement (net): +1
poliza grupal totalmente asegurada


Explanation:
Se trata de una póliza grupal que contrata el empleador con una empresa de salud, para protección de sus empleados, en EEUU.

Fully insured se refiere a que no es autoasegurado, es decir, quien va a responder ante el empleado no es el empleador (caso autoasegurado) sino un tercero que es una empresa de salud. Está aclarado más abajo.

No sé si la adhesión es voluntaria o no, pero no es algo que esté explicitado en la expresión, ni es parte de su esencia, por lo que no corresponde decirlo como parte de la traducción. Lo mismo respecto a discapacidad; el concepto es mucho más amplio y general.

fully insured: totalmente asegurada (fuente: busqueda en ProZ)

Referencia para qué es fully-insured group policy
https://www.ag.state.mn.us/consumer/Handbooks/ManageHealthca... o lo que tiene Google en su cache:

https://webcache.googleusercontent.com/search?q=cache:gF8MYv...

An employer purchases a fully-insured group policy from a health carrier to cover employees of the organization. The employer may pay all or part of an employee’s premium. The policy is called fully-insured because the health carrier assumes the risk of providing coverage to the employees (in a self-insured group plan the employer assumes the risk and financial obligation to provide coverage to employees).

In a fully-insured group plan, the health carrier issues a contract (typically called a master contract or policy) to the employer. In it, the health carrier agrees to provide coverage to the employees subject to various conditions. In turn, the employees and their dependents are covered under what are typically called “certificates of coverage.”

Daniel Delgado
Argentina
Local time: 17:02
Native speaker of: Spanish
PRO pts in category: 27

Peer comments on this answer (and responses from the answerer)
agree  Luis M. Sosa
1 day 9 hrs
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