شروط الوثيقة فيها قسط التامين ونسبة التحمل.

there is

Breakdown of شروط الوثيقة فيها قسط التامين ونسبة التحمل.

• قسط التامين: the insurance premium
• نسبة التحمل: the deductible

Questions & Answers about شروط الوثيقة فيها قسط التامين ونسبة التحمل.

What does فيها mean here?

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.

Why is there no separate verb meaning has or includes?

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...

Why is فيها feminine singular even though شروط is plural?

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.