I live in America, and English is my native tongue. Here in the US, a "couch potato" is a term used to refer to a person who spends much or all his/ her time on the couch. It can mean the person is lazy, but in my understanding, its not a particularly insulting term, but I think that would also depend on who you are referring to , and how that person might take it. An example of a non derogatory comment could be, "I worked so hard yesterday, that today I'm just going to be a couch potato".