A kárigény nagyobb az önrésznél.

In Hungarian, the verb van (to be) is usually left out in the present tense, third person when the predicate is a noun or adjective.

So:

• A kárigény nagyobb az önrésznél. = The claim is larger than the deductible.

If you said it literally with van, it would sound wrong here.

Compare:

• Én nagyobb vagyok. = I am bigger.
• Te nagyobb vagy. = You are bigger.
• Ő nagyobb. = He/she/it is bigger.
  → no van

So the missing is is completely normal.

Kárigény is a compound noun:

• kár = damage, loss
• igény = claim, demand, entitlement

Together, kárigény means something like damage claim or insurance claim.

Hungarian very often builds longer nouns by combining shorter ones, so this is a useful pattern to notice.

A is the Hungarian definite article, equivalent to the.

So:

• a kárigény = the claim

Hungarian has two forms of the definite article:

• a before most consonants
• az before vowels

For example:

• a ház = the house
• az autó = the car

Since kárigény starts with a consonant sound, it takes a.

Nagyobb is the comparative form of nagy (big, large).

• nagy = big
• nagyobb = bigger, larger

Hungarian often forms comparatives with -bb.

Examples:

• gyors = fast

• gyorsabb = faster

• magas = tall
• magasabb = taller

So in this sentence, nagyobb means larger or greater.

In Hungarian, comparisons with adjectives are often made with the ending -nál/-nél, which means than in this kind of sentence.

So:

• nagyobb az önrésznél = larger than the deductible

This is a very common Hungarian structure:

• X nagyobb Y-nál/Y-nél
• X kisebb Y-nál/Y-nél
• X jobb Y-nál/Y-nél

English uses a separate word, than. Hungarian often uses a case ending instead.

You may also meet mint in comparisons, but in sentences like this, -nál/-nél is the standard pattern learners should know well.

Here, -nél marks the thing being compared to.

• önrész = deductible / excess
• önrésznél = than the deductible / at the deductible

More literally, -nál/-nél often means at, by, or near, but in comparative sentences it commonly corresponds to English than.

Which form you use depends on vowel harmony:

• -nál after back vowels
• -nél after front vowels

Since önrész has front vowels, it becomes önrésznél.

Because önrész begins with a vowel sound, Hungarian uses az, not a.

So:

• az önrész
• az önrésznél

The case ending -nél is added to the noun, but the article still stays az because the next word begins with a vowel.

This is just like:

• az autó
• az autónál

Önrész is a common insurance term. It means the part of the loss that you yourself must pay before the insurer covers the rest.

Depending on the variety of English, it may be translated as:

• deductible in American English
• excess in British English

So in this sentence, the idea is that the insurance claim amount is greater than the amount the insured person must cover personally.

Yes, Hungarian word order is flexible, but changes usually affect emphasis or topic/focus.

The neutral sentence:

• A kárigény nagyobb az önrésznél.

This presents a kárigény as the topic, and says something about it.

Other word orders may be possible in context, but they would sound more marked or emphasize a different part of the message. For a learner, this version is the safest neutral one.

Here nagyobb refers to amount/value, not physical size.

Hungarian uses nagy and nagyobb not only for physical size, but also for things like:

• amount
• extent
• importance
• degree

So in an insurance context, A kárigény nagyobb az önrésznél means the claim amount exceeds the deductible, not that the claim is physically bigger in some literal sense.