Składka ubezpieczeniowa jest wysoka.

In Polish, adjectives usually come before the noun, just like in English. So:

• składka = premium / contribution
• ubezpieczeniowa = insurance-related

So składka ubezpieczeniowa literally means insurance premium.

This is the normal word order:

• duży dom = big house
• polski film = Polish film
• składka ubezpieczeniowa = insurance premium

Because it agrees with składka, which is a feminine singular noun.

In Polish, adjectives must match the noun in:

• gender
• number
• case

Here:

• składka is feminine singular nominative
• so the adjective must also be feminine singular nominative: ubezpieczeniowa

Compare:

• wysoki koszt = high cost (masculine)
• wysoka składka = high premium (feminine)
• wysokie ubezpieczenie = high insurance / high level of insurance (neuter)

For the same reason: wysoka has to agree with składka, which is feminine.

The adjective wysoki changes depending on the noun:

• wysoki = masculine
• wysoka = feminine
• wysokie = neuter

So:

• Składka jest wysoka. = The premium is high.
• Koszt jest wysoki. = The cost is high.
• Oprocentowanie jest wysokie. = The interest rate is high.

Składka often means a contribution, fee, or premium, depending on context.

Common uses:

• składka ubezpieczeniowa = insurance premium
• składka emerytalna = pension contribution
• składka członkowska = membership fee

So the word is broader than just insurance, but in this sentence the adjective ubezpieczeniowa makes the meaning specific.

Yes, in a normal present-tense statement like this, jest is the standard form.

• Składka ubezpieczeniowa jest wysoka. = The insurance premium is high.

Polish sometimes omits to be in certain styles, especially in headlines, notes, or very informal speech, but for learners it is safest to keep jest here.

So this sentence is fully natural and standard.

Not as a normal full sentence in standard Polish.

It might appear in:

• headlines
• short notes
• very informal speech
• elliptical style

But in ordinary correct prose and speech, you should say:

• Składka ubezpieczeniowa jest wysoka.

So for learning purposes, include jest.

Polish does not have articles like a/an and the.

So:

• składka can mean a premium or the premium
• the exact meaning depends on context

In this sentence, English translation usually uses the insurance premium is high or an insurance premium is high, depending on the situation, but Polish does not mark that difference with an article.

It is in the nominative case, because it is the subject of the sentence.

Structure:

• Składka ubezpieczeniowa = subject
• jest = is
• wysoka = predicate adjective describing the subject

Since the subject is nominative, both the noun and its adjective are nominative:

• składka
• ubezpieczeniowa

And the predicate adjective also matches the subject:

• wysoka

It is an adjective.

It comes from ubezpieczenie = insurance, but in this sentence it functions as an adjective meaning insurance-related or for insurance.

So:

• ubezpieczenie = insurance (noun)
• ubezpieczeniowy / ubezpieczeniowa / ubezpieczeniowe = insurance-related (adjective)

Examples:

• firma ubezpieczeniowa = insurance company
• umowa ubezpieczeniowa = insurance contract
• składka ubezpieczeniowa = insurance premium

Yes, Polish word order is more flexible than English, but the basic order here is the most neutral:

• Składka ubezpieczeniowa jest wysoka.

You might also hear:

• Wysoka jest składka ubezpieczeniowa.
• Składka jest wysoka.

Changing the order usually changes the focus or emphasis, not the basic meaning.

For a learner, the safest default is:

• subject + jest + adjective
• Składka ubezpieczeniowa jest wysoka.

Roughly: SKWAT-ka, but with Polish sounds.

A few helpful points:

• skł- sounds a bit like skw-
• ą is a nasal vowel, but before d/k it is often pronounced more like on/om depending on the context
• stress is on the second-to-last syllable, so: SKŁAD-ka

Polish pronunciation is more regular than English spelling, but this word can feel tricky because of the consonant cluster at the beginning.

Roughly: oo-bez-pye-che-NYO-va

Helpful breakdown:

• u = oo
• bez = like bez
• pie often sounds like pye
• cz = English ch as in chop
• nio here sounds like nyo
• w in Polish is pronounced like English v

Stress is usually on the second-to-last syllable:

• u-bez-pie-cze-NIO-wa

Plural:

• Składki ubezpieczeniowe są wysokie.
• The insurance premiums are high.

Changes:

• składka → składki
• ubezpieczeniowa → ubezpieczeniowe
• jest → są
• wysoka → wysokie

This shows again how Polish words change to match number and gender.

Yes, but the meaning shifts slightly.

• wysoka składka = a high premium
• droga składka = an expensive premium

In many contexts these are similar, but not always identical:

• wysoka emphasizes the amount/level
• droga emphasizes expense/costliness

For insurance premiums, wysoka is very natural and common.