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Health Insurance Claim Rejected Over Waiting Period
Insurance Claims Officer (speaking English) and 客戶 (speaking Cantonese) talk through “Health Insurance Claim Rejected Over Waiting Period”. You interpret both ways — English into Cantonese, and Cantonese into English — one segment at a time, exactly as in the CCL test.
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Full transcript
Thanks for coming in, Mr. Nguyen. I've reviewed your claim for the knee reconstruction at Royal Melbourne Hospital, and I need to explain why it's been declined.
吓？即係話唔賠喫？點解會拒絕呀，我做手術嗰陣已經將所有資料交晒俾你哋喇喎。
Under the Private Health Insurance Act, pre-existing conditions carry a mandatory twelve-month waiting period before any benefit can be paid, and you've only held cover for eight months.
咁即係話因為我張保單未夠十二個月，所以就唔賠得？咁我可唔可以就住呢個決定上訴呀？
You can lodge a written appeal with our claims review team, and they'll reassess it once your treating doctor confirms whether the condition existed before you joined.
好呀，咁如果我上訴嘅話，大概要等幾耐先有結果呀？
There's no fixed turnaround time, but reviews typically take a few weeks if your doctor provides the medical report promptly.
咁喺等結果嘅呢段時間，啲物理治療嘅費用係咪都要我自己俾先呀？
In the meantime, you'll need to cover the surgery cost yourself, though extras cover may reimburse some of your physiotherapy sessions afterward.
咁额外保障嗰部分，一年可以賠幾多次物理治療呀？
Your extras policy allows twelve physiotherapy visits each calendar year, but that's separate from this hospital claim.
明白喇，噉我即刻去搵醫生攞封信，證明個情況係之後先出現嘅，多謝你解釋得咁清楚。
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 insurance講「私人醫療保險」就得，呢個講法喺廣東話好自然又準確。
- waiting period可以講「等候期」呢個詞,已經係廣東話慣用講法,聽得明。
- extras cover講「附加保障」或者「額外保險項目」都得,講清楚係Medicare以外嘅額外保險部分。
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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