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German Phrase

Deckt meine Versicherung das?

/dɛkt ˈmaɪ̯nə fɛɐ̯ˈzɪçəʁʊŋ das/
Meaning"Does my insurance cover that?"
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Meaning

This phrase is a direct and common way to inquire whether a specific item, service, or event is financially protected by one's insurance policy. It's used when you need to know if your costs will be reimbursed or paid for by your insurer.

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When to use

You would typically use this phrase when speaking with an insurance agent, a doctor's office, a repair shop, or any service provider to confirm if your insurance policy will cover the expenses. It's essential before incurring significant costs to avoid unexpected bills.

✦Grammar Breakdown

DecktmeineVersicherungdas

1

Deckt (decken)

'Decken' means 'to cover'. In this context, it specifically refers to insurance coverage. It's a regular verb, and 'deckt' is the 3rd person singular conjugation for 'Versicherung'.

2

meine

'Meine' is the possessive pronoun 'my' in the nominative feminine singular, agreeing with 'Versicherung' (feminine noun). It indicates ownership or relation.

3

Versicherung

This is the German word for 'insurance'. It's a feminine noun, hence 'die Versicherung'. It's a key term when discussing policies and coverage.

4

das

'Das' here acts as a demonstrative pronoun, meaning 'that' or 'it'. It refers to the specific item, service, or event whose coverage is being questioned.

🗨In Conversation

A

Ich habe mir den Arm gebrochen. Muss ich das selbst bezahlen?

I broke my arm. Do I have to pay for it myself?

Deckt meine Versicherung das?

Does my insurance cover that?

B

✕Common Mistakes

  • Ist meine Versicherung das?

    Using 'ist' (is) instead of 'deckt' (covers) is incorrect. 'Decken' is the specific verb for insurance coverage.

  • Meine Versicherung deckt das?

    While grammatically understandable, this is a statement with a rising intonation. The correct question structure in German places the verb first: 'Deckt meine Versicherung das?'

↔Alternatives

  • Ist das von meiner Versicherung abgedeckt?

    Is that covered by my insurance?

  • Übernimmt meine Versicherung die Kosten dafür?

    Does my insurance cover the costs for that?

  • Wird das von meiner Versicherung bezahlt?

    Will that be paid by my insurance?

de

Cultural Tip

In Germany, insurance (Versicherung) is a significant part of daily life, and people are generally very thorough about understanding their coverage. It's common and expected to ask detailed questions about what is and isn't covered. Don't hesitate to ask this question, as it shows you are being responsible and informed.