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Copayment = deducible?

Discussion in 'Financial Terms' started by keyl, May 5, 2006.

  1. keyl Senior Member

    NJ, USA
    Argentina-Spanish / USA
    Hey there: soy K again. En la presentacion que estoy traduciendo se menciona el "deducible": "
    "Aplicación del deducible y coaseguro por Reembolso"

    "Deducible a cargo del asegurado"

    Se refiere a lo que en EE.UU llamamos "co-payment"? el monto que el asegurado por el seguro medico ha de pagar (un porcentaje del costo total) para ser visto por el medico o internado en el hospital u operado?

    Gracias por su ayuda.

    K


     
  2. piloscar Junior Member

    Spanish. Spain
    Por lo que tengo entendido así es. El copayment puede ser un porcentaje del total del medicamento o bien una cantidad fija, dependiendo del tipo de seguro, medicamento...

    Si no es así, a ver si alguien nos lo aclara...
     
  3. fenixpollo

    fenixpollo Mod Chicken

    Arizona
    American English
    Hay dos hilos anteriores (co-pay, copayment) que te podrían servir.

    Saludos.
     
  4. palomica Senior Member

    New York City
    English, USA
    El copayment se llama generalmente en los EEUU el 'co-pago'. El 'deducible' no es la misma cosa. Algunos planes de seguro médico tienen un deducible individual (o bien familiar) que el asegurado tiene que pagar cada año antes de que el seguro empiece a pagar sus gasto médicos. Muchas veces es $1000. El co-pago es una cantidad fija que el asegurado tiene que pagar cuando va a un médico, laboratorio o radiólogo.
     
  5. danielfranco

    danielfranco Senior Member

    Palomica tiene razón. Yo solo quería comentar que en algunos documentos hemos visto el término "cuota del asegurado" para describir el concepto de "co-payment".
    Saludos.
     
  6. JB

    JB Senior Member

    Santa Monica, CA, EEUU
    English (AE)
    Two small points:
    1. The English is deductible
    2. Everyone is assuming medical policies, but this is a general forum, and you didn't tell us the context. In certain types of insurance (auto, for example) there is a fixed deductible, and generally speaking, the higher the deductible you choose, the lower your premium (pago).
    For example, Collision Insurance on a car might have a $1,000 deductible per incident.
    So, for example, tomorrow I put a dent in my car hitting a pole in a parking lot, the bodywork costs $900, I pay out of my pocket.
    But if I put a dent in my car and break something, resulting in a total repair bill of $2,500, I pay the first $1,000, the insurance co. the rest.

    Now it occurs to me I should have asked you for the context before I wrote an explanation that might be of no value.
     
  7. keyl Senior Member

    NJ, USA
    Argentina-Spanish / USA
    THANK YOU VERY MUCH TO ALL OF YOU. AND JBRUCEISMAY, THANKS FOR SUCH A DETAILED EXPLANATION. SORRY ABOUT NOT PROVIDING THE CONTEXT. IT IS AS A MATTER OF FACT, A TEXT THAT TALKS ABOUT MEDICAL INSURANCE POLICIES. BUT IT IS FUNNY YOU WROTE ALL THIS EXPLANATION BECAUSE I HAVE JUST GOTTEN AN ASSIGNMENT THAT USES THE TERM IN THE SENSE YOU HAVE PROVIDED.

    thanks to every body.

    BTW, does anybody know which is the best way to translate "juicio de sucesion testamentaria?

    K
     
  8. fenixpollo

    fenixpollo Mod Chicken

    Arizona
    American English
    keyl, when you write in all capital letters on the internet, it means that you are yelling. Please don't yell in this forum. We can hear you fine if you speak in a normal voice. :)

    If you have a question about a phrase other than copayment, you need to open a new thread -- ask a new question.

    Saludos.
     
  9. keyl Senior Member

    NJ, USA
    Argentina-Spanish / USA
    thanks pollo fenix: sorry I didnt know that using capital letters meant yelling :) no my intention. I meant to say thank you.

    Keyl
     

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