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Physiotherapy Claim Rejected Under Annual Limit
Insurance Officer (speaking English) and Client (speaking Indonesian) talk through “Physiotherapy Claim Rejected Under Annual Limit”. You interpret both ways — English into Indonesian, and Indonesian into English — one segment at a time, exactly as in the CCL test.
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Full transcript
I'm calling about your physiotherapy claim with Bupa — unfortunately it's been rejected because you've reached your session limit for this policy year.
Lho, kok bisa ditolak? Saya kira asuransi masih menanggung terapi saya sampai akhir tahun ini.
Your policy year isn't the calendar year — it runs from your renewal date, which for your policy started on the first of March.
Oh, jadi bukan Januari sampai Desember ya. Berarti sekarang saya sudah pakai berapa kali sesi terapinya?
You've used all ten sessions allowed under your extras cover between March and now, so this eleventh claim can't be reimbursed.
Baik, saya mengerti. Kalau saya tetap mau lanjut terapi, apakah saya harus bayar sendiri dulu?
Yes, any further sessions this policy year would be out of pocket, unless your doctor provides evidence of a new condition.
Oh begitu, kalau ada surat dokter yang baru mungkin bisa diklaim lagi. Nanti saya tanyakan ke dokter saya.
That's right. You can also check your remaining balance anytime through the Bupa member portal or by phoning our customer line.
Baik, nanti saya coba cek lewat portal itu. Kalau saya merasa keputusan ini kurang adil, apa saya bisa mengajukan banding?
Yes, you can request an internal review — just submit your claim reference number along with any supporting medical documents.
Terima kasih banyak atas penjelasannya, saya akan siapkan dokumennya dan menghubungi dokter saya lebih dulu.
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.
- extras coverJelaskan sebagai 'asuransi tambahan (extras cover)' yaitu cakupan asuransi swasta di luar yang ditanggung Medicare untuk layanan seperti gigi atau fisioterapi.
- out of pocketGunakan frasa 'biaya yang harus dibayar sendiri' atau 'biaya tambahan dari kantong sendiri' untuk menjelaskan konsep ini.
- reference numberTerjemahkan sebagai 'nomor referensi', istilah ini sudah umum dipakai dan dipahami.
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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 Indonesian dialogues · All languages