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Health Insurance Claim: Expired Referral Dispute
保险理赔顾问 (speaking English) and 客户 (speaking Arabic) talk through “Health Insurance Claim: Expired Referral Dispute”. You interpret both ways — English into Arabic, and Arabic into English — one segment at a time, exactly as in the CCL test.
Practise this dialogue with AI marking →Read it first if you like, then practise it cold: the recording plays one segment, you interpret, the next segment plays. Marking shows, segment by segment, what you kept, left out or changed.
Full transcript
Ms. Haddad, your last physiotherapy claim with nib for the Bankstown clinic was declined because your referral expired in March.
لم أكن أعلم أنّ للإحالة تاريخ صلاحية! هل يمكنني تقديم استئناف، أم يجب أن أدفع الفارق من جيبي؟
You can lodge an internal appeal with nib, and if you're not satisfied with the outcome, you can then contact the Private Health Insurance Ombudsman; until it's resolved, the gap remains payable.
حسناً، سأقدّم الاستئناف. لكن كم من الوقت يستغرق الحصول على إحالة جديدة من طبيبي العام؟
Most GPs can issue a new referral the same day or within a couple of days, so book an appointment this week if possible.
جيد، سأتصل بالعيادة غداً الخميس. هل يمكنني رفع الإحالة مباشرة عبر تطبيق نِب، أم يجب إرسالها بالبريد؟
You can upload the referral instantly through the nib app - there's no need to mail anything in.
وإذا لم أرفعها قبل يوم الخميس القادم، هل ستبقى المطالبة مرفوضة؟
Yes, if we don't receive the new referral by next Thursday, the claim will stay declined and you'll need to pay the full eighty-five dollar gap yourself.
فهمت. هل ستحتاج نِب أيضاً إلى نسخة من فاتورة العلاج الطبيعي الأصلية؟
No, we already have the invoice on file - just the updated referral is needed to reprocess your claim.
شكراً جزيلاً على التوضيح، سأتصل بالعيادة غداً وأرفع الإحالة فور استلامها.
Terms in this dialogue that cost marks
CCL is marked on information transferred. These Australian terms have no direct word in most test languages — get one wrong and the segment's information is gone.
- private health insuranceيمكن قول «التأمين الصحي الخاص» كترجمة مباشرة، مع ذكر أنه منفصل عن Medicare إذا احتاج السياق لذلك.
- ombudsmanيفضل استخدام كلمة 'أمين المظالم' مع ذكر الاسم الإنجليزي Ombudsman إذا استخدمه المتحدث، لأنه مصطلح رسمي معروف في الدول العربية أيضًا.
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Same topic · Insurance
How the test works
Practice dialogue written to the CCL specification (two speakers, segments of 35 words or fewer, about 300 words). It is a practice text, not a NAATI test paper, and the AI score is this site's estimate, not a NAATI result. All Arabic dialogues · All languages