Forutsatt at dette står i forsikringsvilkårene, reduserer egenandelen erstatningen.

Forutsatt at means provided that, assuming that, or on condition that.

In this sentence, it introduces a condition:

• Forutsatt at dette står i forsikringsvilkårene = Provided that this is stated in the insurance terms

It is more formal than hvis (if), so it fits legal, contractual, and insurance language very well.

Grammatically, forutsatt is originally the past participle of forutsette (to presuppose / assume), but in this fixed expression it works like a conjunction.

This is because Norwegian main clauses follow the V2 rule: the finite verb normally comes in the second position.

Here, the whole opening condition takes the first position:

• Forutsatt at dette står i forsikringsvilkårene = first position

So the finite verb must come next:

• reduserer

After that comes the subject:

• egenandelen

So the structure is:

• Forutsatt at dette står i forsikringsvilkårene, reduserer egenandelen erstatningen.

If you remove the opening condition, the normal order is:

• Egenandelen reduserer erstatningen.

This is a very common pattern in Norwegian after fronted adverbials, time phrases, and subordinate clauses.

Yes. In Norwegian, stå i is very commonly used to mean:

• be written in
• be stated in
• appear in

So:

• Dette står i forsikringsvilkårene = This is stated in the insurance terms

This is a normal idiomatic use of stå. English usually does not say this stands in the terms, but Norwegian does.

Similar examples:

• Det står i kontrakten. = It says so in the contract.
• Hva står det i loven? = What does the law say?

It is a compound noun in the definite plural.

Breakdown:

• forsikring = insurance
• vilkår = term, condition

Together:

• forsikringsvilkår = insurance terms / policy conditions

Then the definite plural ending is added:

• forsikringsvilkårene = the insurance terms

About vilkår specifically:

• singular indefinite: et vilkår
• singular definite: vilkåret
• plural indefinite: vilkår
• plural definite: vilkårene

So forsikringsvilkårene means the insurance terms/conditions, not just insurance terms in general.

Because both are definite singular nouns, and both are common-gender nouns.

• en egenandel = a deductible / excess

• egenandelen = the deductible

• en erstatning = a compensation payment / settlement
• erstatningen = the compensation

In this sentence, the speaker is not talking about any deductible or any compensation in general, but the specific deductible and the specific compensation relevant to the case or policy.

That is why the definite forms are natural here.

Because of the verb and the sentence structure.

The main clause is:

• reduserer egenandelen erstatningen

Since Norwegian uses the V2 rule, the verb comes first here in the main clause because something else has been placed before it.

After the verb, the subject appears:

• egenandelen = the subject

Then the object:

• erstatningen = the thing being reduced

So the meaning is:

• the deductible reduces the compensation

not:

• the compensation reduces the deductible

In other words, the fronted conditional phrase changes the order, but not the roles.

Norwegian often uses the present tense for:

• general truths
• rules
• policy statements
• legal or contractual wording

That is exactly what is happening here. The sentence describes a general rule in an insurance context.

So:

• står = is stated / appears
• reduserer = reduces

In natural English, you might sometimes prefer will reduce, but Norwegian commonly keeps the present tense in this kind of formal statement.

So the Norwegian present tense here does not necessarily mean right now. It can mean as a general rule.

Yes, absolutely.

• Hvis dette står i forsikringsvilkårene, reduserer egenandelen erstatningen.

That is grammatical and natural.

The difference is mainly style:

• hvis = ordinary if, more neutral and everyday
• forutsatt at = more formal, more legal/administrative, closer to provided that

In contracts, insurance, and official writing, forutsatt at often sounds more appropriate.

The comma separates the opening conditional part from the main clause:

• Forutsatt at dette står i forsikringsvilkårene,
• reduserer egenandelen erstatningen.

This helps the reader see where the condition ends and the main statement begins.

In formal Norwegian, commas are commonly used after introductory clauses like this, especially when the sentence is long or legal in style.

It is natural, but it definitely sounds formal and belongs to a legal/insurance register.

Several things make it sound formal:

• forutsatt at
• står i forsikringsvilkårene
• abstract nouns like egenandelen and erstatningen
• the general-rule present tense

In everyday conversation, people might say something simpler, for example:

• Hvis dette står i vilkårene, blir erstatningen redusert av egenandelen.
• Hvis det er nevnt i forsikringsvilkårene, trekkes egenandelen fra erstatningen.

But the original sentence fits well in written policy language.