Kihatarishi kinaongeza ada ya bima.

The insurable risk increases the insurance premium.

Breakdown of Kihatarishi kinaongeza ada ya bima.

• kuongeza: to increase
• kihatarishi: insurable risk; peril
• ada ya bima: insurance premium

Questions & Answers about Kihatarishi kinaongeza ada ya bima.

Why does kinaongeza start with ki-?

Because kihatarishi belongs to the KI-/VI- noun class in Swahili. Verbs have to agree with their subject’s noun class.

So:

• kihatarishi = class 7 singular
• class 7 subject prefix = ki-
• ki-na-ongeza = it is increasing / it increases

If the subject were plural, the agreement would change:

• vihatarishi vinaongeza ada ya bima = risk factors increase the insurance premium

So the ki- in kinaongeza is there to match kihatarishi.

How is kinaongeza built up?

It can be broken down like this:

• ki- = subject marker for a class 7 singular noun
• -na- = present tense marker
• ongeza = increase / add

So:

• ki-na-ongeza
• literally: it + present + increase

This gives the meaning it increases, it is increasing, or sometimes it does increase, depending on context.

Does kinaongeza mean increases or is increasing?