Underinsured refers to various degrees of being

insured Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect ...

for some real risks and

uninsured Insurance is a means of protection from financial loss in which, in exchange for a fee, a party agrees to compensate another party in the event of a certain loss, damage, or injury. It is a form of risk management, primarily used to protect ...

for others, at the same time.

Health care

Johns Hopkins University The Johns Hopkins University (often abbreviated as Johns Hopkins, Hopkins, or JHU) is a private university, private research university in Baltimore, Maryland, United States. Founded in 1876 based on the European research institution model, J ...

professor Vicente Navarro stated in 2003, "the problem does not end here, with the

. An even larger problem is the underinsured" and "The most credible estimate of the number of people in the United States who have died because of lack of medical care was provided by a study carried out by

Harvard Medical School Harvard Medical School (HMS) is the medical school of Harvard University and is located in the Longwood Medical and Academic Area, Longwood Medical Area in Boston, Massachusetts. Founded in 1782, HMS is the third oldest medical school in the Un ...

. Professors Himmelstein and Woolhandler (''

New England Journal of Medicine ''The New England Journal of Medicine'' (''NEJM'') is a weekly medical journal published by the Massachusetts Medical Society. Founded in 1812, the journal is among the most prestigious peer-reviewed medical journals. Its 2023 impact factor was ...

'' 336, no. 11, 1997). They concluded that almost 100,000 people died in the United States each year because of lack of needed care—three times the number of people who died of

AIDS The HIV, human immunodeficiency virus (HIV) is a retrovirus that attacks the immune system. Without treatment, it can lead to a spectrum of conditions including acquired immunodeficiency syndrome (AIDS). It is a Preventive healthcare, pr ...

."The Inhuman State of U.S. Health Care
''Monthly Review'', Vicente Navarro, September 2003. Retrieved 2009-09-10

Auto insurance

In the

auto insurance Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury ...

industry, underinsured motorist coverage is designed to protect motorists in the event that they have an accident with an at-fault underinsured motorist."Should I Invest In Uninsured and Underinsured Motorist Coverage?"
''AZ Insurance Team''. Retrieved 2016-11-20

References

Insurance Social problems in medicine {{insurance-stub