A policyholder is the person or company that has bought an insurance policy — the contract that says the insurance company will pay if something goes wrong. If you have bought car insurance, you are the policyholder for that car. If the family’s health insurance is in your name, you are the policyholder.

A policyholder保戶（policyholder） is the person or company that has bought an insurance policy是買了保險保單的那個人或公司——the contract that says the insurance company will pay if something goes wrong也就是那份「出事保險公司會理賠」的合約。If you have bought car insurance如果你買了汽車保險，you are the policyholder for that car你就是那台車的 policyholder。If the family's health insurance is in your name如果全家的健康保險是登記在你名下，you are the policyholder你就是 policyholder。

Though actually, the person who is protected is not always the same person who bought the policy. You might buy life insurance that pays your children: you are the policyholder, and they are the ones who receive the money.

Though actually不過其實，the person who is protected is not always the same person who bought the policy被保障的人不一定跟買保單的人是同一個。You你 might buy life insurance that pays your children可能買一份會賠給你孩子的壽險：you are the policyholder你是 policyholder，and they are the ones who receive the money而他們才是拿到那筆錢的人。

Everyday talk often says “the customer” or “the insured,” but in insurance offices “policyholder” is the precise word for the name on the contract as the buyer. It is a paperwork word. You see it on letters from the company, not in casual chat.

Everyday talk日常對話 often says 'the customer' or 'the insured,'常說 'the customer'（客戶）或 'the insured'（被保險人），but在保險公司裡 in insurance offices 'policyholder' is the precise word for the name on the contract as the buyer'policyholder' 才是精準指「合約上買方那個名字」的字。It它 is a paperwork word是個公文用字。You你 see it on letters from the company只會在公司寄來的信上看到它，not in casual chat平常聊天不會這樣講。