Önrész

Önrész is the portion of the cost of a service or product that the beneficiary must pay themselves, with the remaining amount covered by an insurer, reimbursement scheme, or a public subsidy. The term is used in Hungary to describe cost-sharing between the user and the payer, and it can apply to health, social, or other welfare-related services as well as to private sector purchases.

In healthcare and social benefits, önrész commonly appears as copayments or coinsurance. Examples include payments for visits to a doctor, prescribed medicines, hospital stays, or certain therapeutic services. The exact amount and the services subject to önrész depend on current laws, program rules, and policy details. Some categories or groups (such as children, elderly, or low-income individuals) may be exempt from önrész or receive reduced charges.

The mechanism and level of önrész are often defined by public health or social security regulations, and can change with policy updates. In private insurance, önrész corresponds to familiar concepts such as deductible or copayment, and it serves to share risk and control costs for both the insured and the provider.

Etymology and usage: the term combines ön (self) and rész (part), literally describing the self-contribution portion of a cost. In international contexts, önrész is analogous to co-payment, coinsurance, or deductible, though specific rules and amounts vary by country and program.