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Learn Hardcore Polish: Składka ubezpieczeniowa jest wysoka. - The insurance premium is high.

Hardcore Polish
/Appealing an insurance decision
/Składka ubezpieczeniowa jest wysoka.

Składka ubezpieczeniowa jest wysoka.

Word

Składka ubezpieczeniowa jest wysoka.

Meaning

The insurance premium is high.

Part of speech

sentence

Pronunciation

Course

Hardcore Polish

Lesson

Appealing an insurance decision

Breakdown of Składka ubezpieczeniowa jest wysoka.

składka ubezpieczeniowa

the insurance premium

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Questions & Answers about Składka ubezpieczeniowa jest wysoka.

Why is it składka ubezpieczeniowa and not the other way around?

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

Why does ubezpieczeniowa end in -a?

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)

Why is it and not ?

wysoka

wysoki

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.

What exactly is składka here?

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.

Do we need jest in this sentence?

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.

Could I also say Składka ubezpieczeniowa wysoka?

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.

Why is there no word for the in Polish?

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.

What case is składka ubezpieczeniowa in?

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

Is ubezpieczeniowa a noun or an adjective?

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

Can the word order be changed?

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.

How do you pronounce składka?

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.

How do you pronounce ubezpieczeniowa?

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

What is the plural of this sentence?

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.

Could I replace wysoka with droga?

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.

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