---
title: Policyholder vs. Insured
description: The terms paid and incurred medical expenses are applicable both in considering billing for healthcare services and in calculating damage awards in a medical malpractice case.
---

[Knowledge Center | ProAssurance ](https://proassurance.com/knowledge-center)

# [Policyholder vs. Insured](https://proassurance.com/knowledge-center/policyholder-vs-insured)

 Written by [ProAssurance](https://proassurance.com/knowledge-center/author/proassurance) | February 2025

Policyholder vs. Insured

Contributors: Lucy Sam, Regional Vice President Underwriting, Gina Harris, Claims Regional Executive, Andrea Linder, Assistant Vice President Business Development

Upon graduating from residency, a doctor will have many different practice opportunities. When a doctor is joining a medical group, the medical professional is more than likely not going to be making decisions about what healthcare professional liability insurance protects them. While they may not be a decision maker in the insurance purchase process, the provider will be added as an insured.

What is a “policyholder”?

A policyholder is the person who is the first named insured on policy documents. As an example, if there is a medical group named “ABC Medical Group” and they have 10 doctors: ABC Medical Group is the policyholder, and the 10 doctors are endorsed on the policy as insureds.

What is an “insured”?

An insured is a person or entity protected under an insurance contract. Insureds may also be added by definitions provided in a policy form.

Why do I need medical malpractice insurance?

If an insured is sued for medical negligence, this coverage will most likely apply. Other things this kind of insurance may cover include assistance with:

- depositions if you are a medical provider
- billing issues
- inquiries by a medical board
- peer review investigations, and more.

Edited by Emily Aysse, Marketing Communications Strategist

[View full post](https://proassurance.com/knowledge-center/policyholder-vs-insured)

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