Practice dialogues › Czech › Insurance
Health Insurance Claim: Pre-existing Condition Waiting Period
Claims Officer (speaking English) and Client (speaking Czech) talk through “Health Insurance Claim: Pre-existing Condition Waiting Period”. You interpret both ways — English into Czech, and Czech 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
Mr. Novak, I've checked your claim with Bupa, and the knee surgery falls inside your twelve-month pre-existing condition waiting period.
Ale to byla naléhavá operace, sanitka mě odvezla přímo do nemocnice! Jak to může spadat pod čekací dobu?
I understand it felt urgent, but under the Private Health Insurance Act, an emergency admission does not waive the waiting period if the condition pre-existed your policy.
Kdy tedy ta dvanáctiměsíční čekací doba vlastně začala? Uzavřel jsem pojištění teprve před pár měsíci.
Your policy started on the third of March, so the waiting period runs until the third of March next year, regardless of admission type.
Dobře, ale co mám teď dělat? Můžu se proti tomu rozhodnutí nějak odvolat?
You can lodge a complaint with the Private Health Insurance Ombudsman if you believe the assessment is wrong, but the twelve-month rule itself won't change.
A kolik mě to bude teď stát, když pojišťovna nic nezaplatí?
Without cover, the surgeon's fee and hospital stay could total around $9,800, though the public hospital in Newcastle offers a payment plan option.
To je hodně peněz, nemám je teď k dispozici. Existuje nějaký splátkový kalendář?
Yes, John Hunter Hospital's billing office can set up instalments over several months; just ring them directly, not through Bupa.
Děkuji za vysvětlení, zítra zavolám do nemocnice a domluvím si splátky.
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.
- Waiting periodPřeložit jako „čekací doba“.
- Private health insurancePřeložit jako 'soukromé zdravotní pojištění'.
- OmbudsmanPoužít slovo „ombudsman“ i v češtině – termín je mezinárodně zavedený a v češtině se běžně používá stejně, případně doplnit „nezávislý zprostředkovatel stížností“.
- Public hospitalPřeložit jako 'veřejná nemocnice'.
Practise it
Reading a transcript is not interpreting. The practice room 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. Your first full dialogue is marked free.
Start this dialogue →More Czech dialogues
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 Czech dialogues · All languages