При условии, что страховое покрытие подтверждено, страховщик возместит ущерб.

При условии, что means provided that, on condition that, or assuming that. It introduces a condition.

So the sentence means something like:

• Provided that the insurance coverage has been confirmed, the insurer will compensate for the damage.

Compared with если (if), при условии, что sounds more formal, official, and legal. That makes it very natural in insurance, contracts, and policy language.

• Если страховое покрытие подтверждено... = more neutral everyday if
• При условии, что страховое покрытие подтверждено... = more formal provided that

Because при requires the prepositional case.

The noun is:

• условие = condition

In the prepositional singular, it becomes:

• при условии = under the condition / on condition

This is a fixed pattern:

• при необходимости = if necessary / when necessary
• при желании = if desired
• при условии = on condition

So при условии, что... is a standard expression.

Russian uses commas to separate subordinate clauses from main clauses.

Here, при условии, что страховое покрытие подтверждено is the conditional subordinate clause, and страховщик возместит ущерб is the main clause.

So the clause boundary is marked with a comma:

• ..., страховщик возместит ущерб.

You also see the comma before что in the written expression при условии, что. Learners should mainly remember the whole pattern as a formal conjunction introducing a condition.

Because Russian normally omits the verb to be in the present tense.

So:

• страховое покрытие подтверждено literally looks like insurance coverage confirmed
• but it means the insurance coverage is confirmed

This is completely normal Russian.

Compare:

• Он врач. = He is a doctor.
• Документ готов. = The document is ready.
• Покрытие подтверждено. = The coverage is confirmed.

If you wanted past or future, Russian would use forms of быть:

• было подтверждено = was confirmed
• будет подтверждено = will be confirmed

Подтверждено is the short form passive participle of подтверждённый (confirmed).

It is being used predicatively, meaning something like has been confirmed / is confirmed.

Why this form?

• покрытие is neuter singular
• so the short form is also neuter singular
• therefore: подтверждено

Compare the short forms:

• подтверждён — masculine
• подтверждена — feminine
• подтверждено — neuter
• подтверждены — plural

Examples:

• договор подтверждён = the contract is confirmed
• заявка подтверждена = the application is confirmed
• покрытие подтверждено = the coverage is confirmed

You may also notice the spelling подтверждено instead of подтвержденӧ. In normal Russian writing, ё is often written as е, so подтверждено stands for подтвержденӧ in pronunciation.

Страховое покрытие is a standard formal term meaning insurance coverage.

• страховой = insurance-related
• покрытие = coverage

So together:

• страховое покрытие = insurance coverage

This is more precise and professional than страховка.

• страховка is a common everyday word that can mean insurance in general
• страховое покрытие refers more specifically to what is covered under the policy

In legal or policy language, страховое покрытие is the better fit.

Страховщик means the insurer — the company or party providing the insurance.

This is different from:

• страхователь = the policyholder / the person who buys the insurance
• застрахованный = the insured person
• страховщик = the insurer

So in this sentence, страховщик возместит ущерб means:

• the insurer will compensate for the damage

This is an important vocabulary distinction in insurance Russian.

Возместит is the 3rd person singular future of the perfective verb возместить.

• возместить = to compensate / reimburse / indemnify
• возместит = will compensate

Russian often uses a perfective future when talking about a single completed future result. That fits this sentence well: the insurer will make compensation once the condition is met.

This is more natural here than an imperfective form like будет возмещать, which would sound more like an ongoing process.

So:

• страховщик возместит ущерб = the insurer will compensate the damage / will pay for the damage

Because the sentence describes a condition and its future consequence.

• страховое покрытие подтверждено = the coverage is confirmed / has been confirmed
• страховщик возместит ущерб = the insurer will compensate for the damage

This is normal in Russian. The condition is stated as a current established fact or status, and the result is future.

English often works similarly:

• If the coverage is confirmed, the insurer will compensate for the damage.

So the tense combination is not strange; it is exactly what you would expect in a formal conditional statement.

Ущерб usually means damage, harm, or loss, especially in legal, financial, or material contexts.

In insurance language, возместить ущерб is a very common collocation meaning:

• to compensate for damage
• to cover losses
• to indemnify for harm/loss

A useful point for learners: ущерб is often used in more formal or legal contexts than some everyday English uses of damage.

Also, here ущерб is in the accusative case as the direct object of возместит. Since it is an inanimate masculine noun, its accusative form looks the same as the nominative:

• nominative: ущерб
• accusative: ущерб

Yes. Russian word order is flexible, though some versions sound more natural in certain contexts.

The original sentence begins with the condition, which gives it a formal, logical structure:

• При условии, что страховое покрытие подтверждено, страховщик возместит ущерб.

You could also say:

• Страховщик возместит ущерб при условии, что страховое покрытие подтверждено.

That means the same thing. The difference is mainly in emphasis:

• putting the condition first highlights the condition
• putting the main clause first highlights the insurer’s action

In legal and official writing, both are possible, but the original version is very natural and clear.