自付额/免赔额 (Deductible) 俗称「垫底费」，有时称为「超额」。只在每宗赔偿个案中，保单毋须负责投保人的首部分损失。在某些风险下，自负额是由承保人加于投保人身上的；在有些清况下，投保人是自愿的，藉此降低保费。
如果你的自付额高些，你的保费就要低些。
自付额应该提高，使病人和医生更加注重节约成本。
Co-payments should be raised to make patients and their physicians more cost-conscious.
从健康保险的自付额到照料费用或是收入减少额，你都得考虑到生一个孩子的成本。
You will need to consider the costs of having a baby from health insurance co-payments to day care or a reduction in income.
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