Pojišťovna uhradí část nákladů.

The subject is Pojišťovna. It is in the nominative singular, because it is the thing doing the action.

A quick structure breakdown:

• Pojišťovna = subject
• uhradí = verb
• část nákladů = object phrase

Also, pojišťovna is a feminine noun.

The dictionary form is uhradit.

uhradí is the 3rd person singular form, used with on / ona / ono and with singular nouns like pojišťovna.

So:

• pojišťovna uhradí = the insurance company will cover/pay

This is because uhradit is a perfective verb.

In Czech, perfective verbs use present-tense forms to express a future completed action. So although uhradí looks formally like present tense, it means something like will cover / will pay.

Compare:

• hradí = is paying / pays regularly / pays in general
• uhradí = will pay / will cover, as a completed act

This is very normal in Czech.

Both can often be translated as to pay, but uhradit sounds a bit more formal and is very common in official, medical, legal, and insurance contexts.

So with insurance, uhradit náklady sounds very natural.

Roughly:

• zaplatit = pay
• uhradit = settle, cover, reimburse, pay for in a more formal/institutional way

In everyday speech, people may often use zaplatit, but in this sentence uhradí fits the register very well.

Because část is followed by the genitive.

The phrase is:

• část nákladů = part of the costs

After nouns like část (part), Czech normally puts the following noun in the genitive.

So:

• náklady = costs
• nákladů = of the costs

This pattern is very common:

• část peněz = part of the money
• část práce = part of the work
• část studentů = part of the students

Here it is accusative singular, because it is the direct object of uhradí.

However, část has the same form in nominative and accusative singular, so you do not see a visible change.

That is why it can be confusing at first.

So grammatically:

• Pojišťovna = nominative subject
• část = accusative object
• nákladů = genitive dependent on část

Náklady means costs or expenses, often in a fairly neutral or formal financial sense.

It is commonly used for things like:

• treatment costs
• operating costs
• travel costs
• project costs

It is a good fit in bureaucratic, medical, and insurance language.

Useful comparison:

• cena = price
• náklady = costs
• výdaje = expenses, spending

So náklady is the natural word when talking about what something costs in total.

Yes. Czech word order is fairly flexible.

The neutral order here is:

• Pojišťovna uhradí část nákladů.

But you could also say:

• Část nákladů uhradí pojišťovna.

That version puts more emphasis on část nákladů or creates a contrast, for example if someone else will pay the rest.

So the meaning stays basically the same, but the focus changes.

Because Czech has no articles.

English needs words like the and an, but Czech normally does not use anything equivalent.

So:

• Pojišťovna can mean the insurance company or just an insurance company, depending on context.
• část nákladů can mean part of the costs or a part of the costs, again depending on context.

The situation usually makes it clear.

The most important rule is that Czech stress is usually on the first syllable of each word:

• POjišťovna
• Uhradí
• ČÁST
• NÁkladů

A few pronunciation notes:

• á, í, ů are long vowels
• šť in pojišťovna is a consonant cluster that English speakers may need to practice slowly
• č in část sounds like ch in church

So a careful learner version might be practiced as:

• PO-jišťov-na U-hra-dí ČÁST NÁ-kla-dů

You do not need perfect pronunciation immediately; getting the first-syllable stress right is already very helpful.