The term "uninsured" refers to individuals or entities that do not have insurance coverage for certain risks, losses or damages. This can include people who cannot afford insurance or choose not to purchase it, as well as those whose applications for insurance have been denied due to high risk factors such as pre-existing medical conditions or a history of claims. Being uninsured means that an individual is responsible for bearing the full cost of any losses they may incur, and they do not have access to financial protection provided by insurance policies.