Omavastuu on sata euroa.

to be

Breakdown of Omavastuu on sata euroa.

• sata: one hundred
• euro: the euro
• omavastuu: the insurance deductible; excess

Questions & Answers about Omavastuu on sata euroa.

What does omavastuu mean exactly?

Omavastuu is a common Finnish word in insurance and payment contexts. It means the part you pay yourself before an insurer or some other payer covers the rest. In British English, excess is often the closest term; in American English, deductible is often the closest term.

It is a compound word:

• oma = own
• vastuu = responsibility, liability

So the idea is roughly your own share of the responsibility/cost.

Why is omavastuu written as one word?

Because Finnish very often forms compound nouns as a single word.

So:

• oma
  • vastuu → omavastuu

This is very normal in Finnish. English often writes similar ideas as two words, but Finnish usually joins them:

• sairausvakuutus = health insurance
• luottokortti = credit card
• matkalippu = travel ticket

If you are an English speaker, one of the most useful habits to build in Finnish is: when two nouns or noun-like elements belong tightly together, Finnish often makes them into one word.

Why is there no word for the or a in the sentence?