Practice dialogues › Gujarati › Insurance
Health Insurance Claim for Knee Surgery
Insurance Claims Officer (speaking English) and 客户 (speaking Gujarati) talk through “Health Insurance Claim for Knee Surgery”. You interpret both ways — English into Gujarati, and Gujarati into English — one segment at a time, exactly as in the CCL test.
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Full transcript
Thanks for calling HCF, Mr. Trivedi. I've pulled up your claim for the knee surgery you had at Epworth Freemasons Hospital last month.
હા, મેં ગયા અઠવાડિયે બધા દસ્તાવેજો સબમિટ કર્યા હતા. શું મારો દાવો પ્રોસેસ થઈ ગયો છે?
Unfortunately not yet - we're still missing the itemised invoice from your surgeon's office. Without it, we can't finalise your $500 excess payment today.
ઓહ, પણ સર્જનની ઓફિસ તો બંધ છે. હું ઈન્વોઈસ ક્યાંથી મેળવી શકું?
You could ask the hospital's billing department directly, or request it through your surgeon's rooms. Once we receive it, processing usually takes about ten business days.
સમજાયું. અને જો સર્જરીનો સંપૂર્ણ ખર્ચ કવર ન થાય તો, ગેપ પેમેન્ટ કેટલો હશે?
The gap amount depends on your benefit limit, but your excess is fixed at $500 regardless. Some procedures simply aren't fully covered under your current policy.
શું ફિઝિયોથેરાપી પણ કવર થાય છે, કે એ ખર્ચ મારે જાતે ભરવો પડશે?
Physiotherapy isn't included unless you hold extras cover as well; your current policy is hospital-only, so that particular cost won't be reimbursed at all.
ઠીક છે. ગેપ પેમેન્ટ ચૂકવ્યા પછી રિફંડ મળવામાં કેટલો સમય લાગશે?
Once we receive the itemised invoice along with your payment, the claim closes within ten business days, and reimbursement is paid directly into your nominated account.
આભાર. હું શુક્રવાર સુધીમાં ઈન્વોઈસ મોકલી દઈશ.
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.
- excess"excess" શબ્દ અંગ્રેજીમાં જ રાખવો, અથવા "પોતાના ભાગની ફાળવણી રકમ" તેમ સમજાવવું.
- extras cover'એક્સ્ટ્રાસ કવર' શબ્દ અંગ્રેજીમાં જ રાખવો, જરૂર પડે તો 'Medicare માં ન આવતી સેવાઓ માટેનું વધારાનું વીમા કવર' એમ સમજાવવું.
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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 Gujarati dialogues · All languages