How to Say “Self-pay” in Spanish

pago por cuenta propia
/paɡo poɾ kwenta pɾopja/from spelling rules
The English phrase 'self-pay' is translated into Spanish as pago por cuenta propia.
This phrase describes the act of paying for a service or medical care out of one's own pocket instead of using insurance. In many Spanish-speaking medical contexts, using the term pago particular is a common way to indicate that a patient is paying privately rather than through an insurance provider or social security.

What does it mean word for word?

The phrase is composed of pago (payment), por (by/for), cuenta (account) and propia (own).

Which one should you use?

In a medical billing context, pago particular or sin seguro is often clearer.

How does it change in a sentence?

To express the action of self-paying (the verb 'to self-pay'), use the verb pagar por cuenta propia instead of the noun pago (payment).

Did you know?

  • Spanish has a second, less common meaning for pago that refers to a rural district or a piece of countryside.
  • In many Spanish-speaking countries, the phrase cuenta propia is used not just for payments, but to describe someone who is self-employed or a freelancer.

Examples in context

  • No te preocupes, lo pagaré de mi bolsillo
    Don't worry, I'll pay for it myself
  • Necesitamos pagar nuestro tratamiento dental.
    We need to pay for our dental treatment.
  • Prefiero el pago por cuenta propia para esta consulta.
    I prefer self-pay for this consultation.
  • ¿Ofrecen descuentos para el pago por cuenta propia?
    Do you offer discounts for self-pay?

Example conversation

At a dental clinic reception desk.

  1. Javier

    ¿Va a usar su seguro médico o prefiere el pago por cuenta propia?
    Are you going to use your insurance or do you prefer self-pay?
  2. Sofía

    Haré el pago por cuenta propia hoy.
    I will do self-pay today.
  3. Javier

    Muy bien, Sofía, el costo total es cincuenta euros.
    Very well, Sofía, the total cost is fifty euros.
  4. Sofía

    Perfecto, Javier, aquí tiene la tarjeta.
    Perfect, Javier, here is the card.

Sources

  • IPA marked “from spelling rules” is derived from standard Spanish spelling, where Wiktionary gives none.
  • Word origins: Wiktionary entries cuenta, pago, por, CC BY-SA 4.0.
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Valerie Phoebe
Valerie PhoebeHelp make this guide better. Spot a mistake, know another way to say it, or have an example from real life? Share it below.
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