Udział własny jest niski.

Literally, udział means share, participation, or portion, and własny means own.

So udział własny literally means something like one’s own share or own contribution. In real usage, it often depends on context:

• in insurance: deductible or excess
• in finance/project funding: own contribution
• more generally: personal share

So even if you already know the translation from context, it helps to see how the phrase is built.

In Polish, adjectives usually come after the noun in many fixed or formal expressions, especially when the phrase sounds technical or official.

So:

• udział własny = the standard expression

You can often put adjectives before nouns in Polish, but that may change the tone, emphasis, or naturalness. In this case, udział własny is the normal set phrase, so learners should treat it as a chunk.

Because udział is a masculine singular noun.

In Polish, adjectives must agree with the noun in:

• gender
• number
• case

Here:

• udział = masculine singular
• so niski must also be masculine singular

Compare:

• niski udział = low share/contribution
• niska cena = low price
• niskie ryzyko = low risk

Jest means is.

The sentence structure is:

• Udział własny = subject
• jest = is
• niski = low

So it directly matches English:

• Udział własny jest niski.
• The deductible / own contribution is low.

In present-tense Polish, the verb to be is often omitted in some situations, especially in informal speech or in headlines, but in a normal full sentence like this, jest is completely natural and standard.

You may also see:

• Udział własny niski
  in ads, tables, or note-like style, but that is more elliptical.

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

Here is the basic breakdown:

• udział = nominative singular
• własny = nominative singular masculine, matching udział
• niski = nominative singular masculine, describing the subject after jest

This is one of the common patterns in Polish:

• subject in nominative
• linking verb (jest)
• adjective also in nominative

It describes the whole noun phrase, but grammatically it agrees with the head noun udział.

In udział własny:

• udział is the main noun
• własny modifies udział
• niski says something about that noun phrase: the udział własny is low

So the structure is roughly:

• [udział własny] jest niski
• [the own contribution / deductible] is low

Yes, Polish word order is fairly flexible, but the neutral order here is:

• Udział własny jest niski.

You might also hear or see:

• Niski jest udział własny.
• Niski udział własny.
  in headings, bullet points, marketing language, or compressed style

But for a learner, the standard neutral sentence is best:

• Udział własny jest niski.

A rough English-friendly guide is:

• udział ≈ OOD-jyaw
• własny ≈ VWAS-nih
• jest ≈ yest
• niski ≈ NEES-kee

A few important pronunciation notes:

• ł sounds like English w
• w sounds like English v
• ś/si sounds like a soft sh-like sound, but here in niski, the si is not the same as ś
• dział has a sound close to jyał / jyao

If you want a more careful approximation:

• Udział własny jest niski ≈ OOD-jyaw VWAS-nih yest NEES-kee

It is natural Polish, but the phrase udział własny is especially common in:

• insurance
• contracts
• banking
• official or commercial contexts

So the sentence sounds perfectly normal, but it is more likely to appear in practical or financial contexts than in casual conversation.

Sometimes, but niski is more natural here.

Both niski and mały can relate to something being small/low, but they are not always interchangeable:

• niski often works for levels, rates, values, amounts in a more abstract or measured sense
• mały often means physically small or generally small in size/amount

With things like fees, rates, risk, income, or deductibles, Polish often prefers niski:

• niski udział własny
• niskie oprocentowanie
• niskie ryzyko

So in this sentence, niski is the most idiomatic choice.