شروط الوثيقة فيها قسط التامين ونسبة التحمل.

فيها literally means in it or in them, depending on what it refers to. In this sentence, it works idiomatically like it contains, it includes, or it has.

So the structure is not word-for-word like English. Arabic is using فيها to express the idea that these items are found in or included in the policy terms.

Arabic often does not need an explicit verb in sentences like this. A phrase like فيها can do the job by giving the sense of there is/are in it.

So شروط الوثيقة فيها قسط التأمين ونسبة التحمل is structurally closer to:

The policy terms — in them there is the insurance premium and the deductible percentage.

Natural English turns that into The policy terms include...

Because شروط is a non-human plural. In Arabic, non-human plurals are very often treated grammatically as feminine singular for agreement.

So even though شروط means terms/conditions and is plural, using ها in فيها is normal. This is a very common Arabic pattern.

The singular of شروط is شرط, meaning condition or term.

So:

• شرط = a condition / a term
• شروط = conditions / terms

شروط الوثيقة means the terms/conditions of the document/policy. In an insurance context, الوثيقة usually means the policy rather than just a generic document.

By itself, وثيقة can mean document. But in insurance language, وثيقة التأمين means insurance policy.

So when you see الوثيقة in an insurance sentence, it often refers to the policy. Context is what tells you that.

Because both are part of an iḍāfa construction, often called a construct phrase.

• قسط التأمين = the insurance premium
• نسبة التحمل = the deductible percentage / excess percentage

In Arabic, the first word in this kind of phrase often does not take الـ, even though the whole phrase can still be definite. The definiteness comes from the second noun:

• التأمين makes قسط التأمين definite
• التحمل makes نسبة التحمل definite

قسط literally often means installment or payment amount, but in insurance language قسط التأمين is the standard term for insurance premium.

So even if the literal sense feels like insurance installment, the real meaning in this context is the premium you pay for the policy.

In insurance language, التحمل refers to the part the insured person has to bear themselves. Depending on the system, English might translate it as:

• deductible
• excess
• co-pay

Because the sentence says نسبة التحمل, it specifically sounds like a percentage that the customer pays, not a fixed amount.

Yes, the more careful standard spelling is التأمين.

Writing التامين without the hamza is very common in casual Arabic typing. Many native speakers omit hamzas in everyday writing, especially online or in quick notes. So it is not unusual, but the formal spelling is التأمين.

In both words, الـ is followed by ت, which is a sun letter. That means the l sound of الـ is not pronounced, and the ت is doubled.

So in Egyptian pronunciation:

• التأمين sounds like et-ta'meen
• التحمل sounds like et-taḥammol

But in الوثيقة, و is a moon letter, so the l is pronounced:

• الوثيقة sounds like el-wasee'a in Egyptian speech

A rough Egyptian pronunciation would be:

shoroot el-wasee'a feeha 'est et-ta'meen we nesbet et-taḥammol

A few useful notes:

• شروط → shoroot
• الوثيقة is often pronounced more like el-wasee'a in Egyptian
• قسط is often pronounced 'est because ق commonly becomes a glottal stop in Egyptian
• و meaning and is usually pronounced we

It is a mix.

The vocabulary is fairly formal and very typical of insurance or business Arabic:

• الوثيقة
• قسط التأمين
• نسبة التحمل

But the structure with فيها feels very natural and usable in Egyptian speech. So it sounds like formal insurance vocabulary inside a simple, natural sentence.

Yes.

A more formal version would be:

تشمل شروط الوثيقة قسط التأمين ونسبة التحمل.
This means The policy terms include the insurance premium and the deductible percentage.

A natural Egyptian-style version could also be:

شروط الوثيقة فيها قسط التأمين ونسبة التحمل.

So the original sentence is already quite natural, but تشمل sounds more written and official.