As already said, there is a difference. The verzekerde is the insured party, the verzekeringnemer is the person in whose name the policy is made out, i.e. the policyholder. Often, these two parties will be the same, but not always. E.g. in life assurance, you can take out a policy on the life of your spouse (or some other person). In which case, your spouse is the insured, but you are the policyholder.

-> "The insured person may or may not be the policyholder. The insured in a life assurance policy, for instance, is the person whose life is assured. Therefore, the policyholder, the owner of the policy, can take out assurance on someone else, the insured person's, life. This usually happens in business agreements between partners."
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