coaseguro
/koaseɡuɾo/from spelling rulesmasculine
Coinsurance in Spanish is coaseguro. Wiktionary also lists participación propia.
Meaning: joint assumption of risk between insurer and insured (noun)
Ways to say it
| Spanish | IPA | Note |
|---|---|---|
| coaseguro | /koaseɡuɾo/ (from spelling rules) | masculine |
| participación propia | /paɾtiθipaθjon pɾopja/ (Spain, from spelling rules) /paɾtisipasjon pɾopja/ (Latin America, from spelling rules) |
feminine |
The term refers to the joint assumption of risk between an insurer and the insured party.
Which one should you use?
While coaseguro refers to the technical arrangement of shared risk, participación propia is often used to describe the specific portion of the risk or cost held by the insured party.
Is it said differently in some regions?
In Spain, the term copago may be used to refer to the patient's share of the cost for medical services.
How does it change in a sentence?
Coaseguro is a masculine noun, whereas participación propia is a feminine noun.
How do you pronounce it?
/koaseɡuɾo/
Did you know?
- The word seguro is a linguistic triple threat. Depending on the context, it can mean 'insurance', 'sure', or even 'safe', meaning a single word covers both the concept of risk and the concept of certainty.
- Spanish speakers strictly distinguish deducible from coaseguro based on whether the cost is a flat initial sum or a percentage of the total.
- In a legal context, the phrase participación propia suggests that the insured person is an active partner in the risk rather than just a customer paying a fee.
Examples in context
- Tengo un coaseguro en mi póliza de seguro médico.I have a coinsurance in my health insurance policy.
- El coaseguro es parte de mi póliza.The coinsurance is part of my policy.
- Debemos revisar el porcentaje de coaseguro.We must review the coinsurance percentage.
- Este contrato incluye un esquema de coaseguro.This contract includes a coinsurance scheme.
Example conversation
A client is asking an insurance agent about a new policy.
- SofíaHola Mateo, ¿cómo funciona el coaseguro?Hello Mateo, how does the coinsurance work?
- MateoSofía, tú compartes parte del riesgo con nosotros.Sofía, you share part of the risk with us.
- Sofía¿El coaseguro es muy alto en este plan?Is the coinsurance very high in this plan?
- MateoNo, es un porcentaje bastante razonable.No, it is a quite reasonable percentage.
Sources
- Wiktionary, “coinsurance” translations and entries coaseguro, CC BY-SA 4.0, dump of 2026-09-26.
- IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
