out-of-pocket

US /ˌaʊt əv ˈpɑːkɪt/
UK /ˌaʊt əv ˈpɑːkɪt/
"out-of-pocket" picture
1.

자비의, 개인 부담의

paid for by oneself rather than by one's employer or by insurance

:
I had to pay for the repairs out-of-pocket.
수리비를 자비로 지불해야 했다.
Many patients face high out-of-pocket medical expenses.
많은 환자들이 높은 자비 의료비에 직면한다.