Practice dialogues › Cantonese › Insurance
Health Insurance Claim: Gap Payment Query
Insurance Claims Officer (speaking English) and Policy Holder (speaking Cantonese) talk through “Health Insurance Claim: Gap Payment Query”. You interpret both ways — English into Cantonese, and Cantonese 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
Thanks for calling Bupa claims, my name is Claire speaking today. Could you please confirm the policy holder's full name and date of birth for me?
喂，我係陳大文，出世紙係一九八零年五月十二號。想問吓我喺利物浦醫院做嘅膝頭關節鏡手術，個索償計到未呀？
I can see the claim for your knee arthroscopy, but there's an outstanding gap payment of eight hundred and fifty dollars that hasn't been reimbursed yet.
吓？點解仲有錢要畀㗎？我買嘅係最頂級嘅醫院保險喎，應該全包㗎喎，點解仲有八百五十蚊差額呀？
The surgeon charged above the scheduled Medicare fee, and unfortunately informed financial consent wasn't signed before the operation took place.
我份保單買咗都成十四個月喇喎，唔係應該已經夠十二個月等候期咩？做手術嗰時已經過咗喇喎。
Because your knee condition is listed as pre-existing, the twelve-month waiting period applies from the date you first joined this specific hospital cover.
我由舊年三月開始就買咗呢份最高級嘅醫院保險，計落都超過十二個月喇，點解仲拒絕賠我呢？
I'll check your exact join date now. In the meantime, please upload the referral letter and specialist report through the Bupa member app.
好，我依家上載轉介信同專科報告。咁大約要等幾耐先有結果呀？
The review usually takes up to ten business days. If we need anything else from you, we'll contact you directly, not by email.
明白，多謝晒。我今日之內就會上載晒啲文件，希望盡快有回覆。
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.
- medicare直接講「Medicare」呢個英文詞就得，因為係專有名詞，廣東話冇對應詞。
- waiting period可以講「等候期」呢個詞,已經係廣東話慣用講法,聽得明。
- referral letter講「轉介信」就得,呢個係醫療系統慣用嘅講法。
Practise it
Reading a transcript is not interpreting. The free daily dialogue on this site plays each segment at native speed, records you, and marks the information you transferred against the same categories examiners use — omissions, distortions, insertions — so you know where the marks went.
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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 Cantonese dialogues · All languages