Who is referred to as a subscriber in an insurance context?

In an insurance context, the term "subscriber" specifically refers to the person who has purchased the insurance policy and is therefore covered under its terms. This individual assumes the responsibility of paying premiums to maintain the insurance coverage. As a subscriber, they hold the rights associated with the policy, including the ability to file claims and receive benefits defined by the insurance contract.

In contrast, the healthcare provider typically refers to the medical professional or facility delivering care, not the individual who pays for and holds the insurance. The insurance company is the entity offering the insurance policy, taking on the risk and managing claims, but does not represent the individual subscriber. Lastly, the beneficiary of a policy is usually a person designated to receive benefits upon the occurrence of a specific event, such as the death of the insured individual, which is distinct from the subscriber who owns the policy.