ההשתתפות העצמית כתובה בפוליסה.

In Hebrew, the present tense usually does not use a separate verb meaning to be.

So:

• ההשתתפות העצמית כתובה בפוליסה literally looks like
• the-deductible written in-the-policy

but it means

• The deductible is written in the policy.

This is very normal Hebrew.
If you wanted past or future, then Hebrew would use forms of להיות (to be) when needed.

For example:

• ההשתתפות העצמית הייתה כתובה בפוליסה = The deductible was written in the policy.
• ההשתתפות העצמית תהיה כתובה בפוליסה = The deductible will be written in the policy.

Because the subject, ההשתתפות העצמית, is a feminine singular noun phrase.

The main noun here is:

• השתתפות = participation / contribution / deductible (in insurance context)

This noun is feminine, so the word describing its state must also be feminine singular:

• כתוב = written, masculine singular
• כתובה = written, feminine singular

So Hebrew says:

• ההשתתפות העצמית כתובה not
• ההשתתפות העצמית כתוב

Even though the whole phrase may translate as the deductible, Hebrew grammar still follows the gender of the noun השתתפות.

In this sentence, כתובה functions like a predicate adjective/state, meaning written.

It comes from the root:

• כ-ת-ב = write

A very useful way to think about it is:

• כתוב / כתובה / כתובים / כתובות = written

So in:

• ההשתתפות העצמית כתובה בפוליסה

כתובה describes the condition or status of the deductible: it is written/stated in the policy.

For learners, the easiest interpretation is usually:

• כתובה = written

Even if grammatically it comes from a verbal idea, in sentences like this it behaves very much like an adjective.

Because in Hebrew, when a noun + adjective phrase is definite, both the noun and the adjective usually take the definite article.

So:

• השתתפות עצמית = a deductible / deductible participation
• ההשתתפות העצמית = the deductible

This is a very important Hebrew pattern:

• ספר טוב = a good book
• הספר הטוב = the good book

So here:

• השתתפות = noun
• עצמית = adjective modifying it

Since the phrase is definite, both become definite:

• ההשתתפות העצמית

Literally, עצמית means something like self- or personal.

The phrase:

• השתתפות עצמית

literally suggests self-participation or own contribution, but in insurance Hebrew it means:

• deductible
• excess
• sometimes copay, depending on context

So this is a set phrase you should learn as one unit in insurance contexts.

Grammatically:

• עצמית is the feminine singular form
• it matches השתתפות, which is feminine singular

Because the preposition ב (in) combines with the definite article ה (the).

So:

• ב + פוליסה = בפוליסה can mean in a policy
• ב + ה + פוליסה is pronounced בַּפוליסה and written the same way without vowel marks: בפוליסה

In normal unpointed Hebrew writing, both forms look the same, but context tells you the meaning.

Here, the sentence is understood as:

• בפוליסה = in the policy

This same thing happens with other prepositions too:

• בבית = in a house / in the house, depending on context
• בספר = in a book / in the book, depending on context

Because כתובה agrees with it in gender and number, and semantically it is the thing being described.

Structure:

• ההשתתפות העצמית = the subject
• כתובה בפוליסה = what is being said about it

So the sentence means:

• The deductible — is written in the policy

A good clue is agreement:

• ההשתתפות העצמית is feminine singular
• כתובה is feminine singular

That matching tells you they belong together.

The word order here is very natural and neutral:

• ההשתתפות העצמית כתובה בפוליסה

That is basically:

• Subject + description + location

Hebrew could sometimes vary word order for emphasis, but this version is the most straightforward.

For example, you might also hear a more emphatic structure such as:

• בפוליסה כתובה ההשתתפות העצמית

but that sounds more marked or stylistic.
For everyday usage, the original sentence is the standard way to say it.

A common pronunciation would be:

• ha-hishtatfut ha-atzmit ktuva ba-polisá

A few notes:

• ההשתתפות = ha-hishtatfut
• העצמית = ha-atzmit
• כתובה = ktuva
• בפוליסה here is pronounced ba-polisá if it means in the policy

The stress is usually near the end in:

• פוליסה = polisá
• כתובה = ktuvá in many natural pronunciations

No, פוליסה is a borrowed word, from the international insurance term policy.

Hebrew uses many borrowed words in legal, financial, and insurance language, and פוליסה is the normal word for an insurance policy.

So in this sentence:

• בפוליסה = in the policy

Even though the word is borrowed, it behaves like a regular Hebrew noun in phrases and with prepositions.

Yes, absolutely. In natural English, that is often the best translation.

Hebrew כתוב / כתובה often literally means written, but in formal or legal contexts it can naturally mean:

• written
• stated
• specified
• set out

So depending on context, this sentence could be understood as:

• The deductible is written in the policy
• The deductible is stated in the policy
• The deductible is specified in the policy

All of those are close in meaning.