Italian Phrase
Ho già raggiunto la mia franchigia?
Meaning
The speaker is asking whether they have already met the deductible amount set in an insurance policy. In Italian, ‘franchigia’ refers to the sum the policyholder must pay before the insurer starts covering costs.
When to use
Use this sentence when you are reviewing an insurance claim, checking a health or car insurance policy, or discussing whether you have paid enough out‑of‑pocket expenses to trigger coverage.
✦Grammar Breakdown
Hogiàraggiuntolamiafranchigia?
Auxiliary verb (avere)
In the Italian present perfect, most transitive verbs use the auxiliary ‘avere’; here ‘ho’ (I have) forms the perfect tense of ‘raggiungere’.
Adverb già
‘Già’ means ‘already’ and is placed before the past participle to stress that the action happened earlier than expected.
Past participle raggiunto
‘Raggiunto’ is the past participle of ‘raggiungere’ (to reach, to achieve). It agrees in gender and number with the direct object only when ‘avere’ is used with a preceding pronoun, which is not the case here.
Possessive adjective mia
‘Mia’ agrees in gender and number with the noun ‘franchigia’, which is feminine singular.
Question mark
Italian questions can be formed simply by intonation; the written form adds a question mark at the end.
🗨In Conversation
Ho già raggiunto la mia franchigia?
Have I already reached my deductible?
Sì, hai speso 1.200 euro, quindi la franchigia è stata superata.
Yes, you’ve spent €1,200, so the deductible has been exceeded.
✕Common Mistakes
Sono già raggiunto la mia franchigia?
‘Raggiungere’ uses ‘avere’ as its auxiliary, not ‘essere’. Use ‘Ho già raggiunto’.
Ho raggiunto già la mia franchigia?
Placing ‘già’ after the verb changes the emphasis; it should precede the past participle: ‘Ho già raggiunto…’.
la mio franchigia
Possessive adjectives must agree in gender and number with the noun: ‘la mia franchigia’.
↔Alternatives
Ho già superato la mia franchigia?
Have I already exceeded my deductible?
Ho già raggiunto il mio limite di franchigia?
Have I already reached my deductible limit?
Sono già arrivato alla franchigia?
Am I already at the deductible?
Cultural Tip
In Italy, the term ‘franchigia’ is most common in car insurance (RC auto) and health policies. When speaking with an insurance agent, a slightly more formal register—e.g., ‘Il mio massimale di franchigia’—is preferred. Remember that the deductible can be a fixed amount or a percentage of the claim, so always clarify the type of policy you’re discussing.