Practice dialogues › Malay › Insurance
Physiotherapy Claim Waiting Period
Claims Officer (speaking English) and 客户 (speaking Malay) talk through “Physiotherapy Claim Waiting Period”. You interpret both ways — English into Malay, and Malay into English — one segment at a time, exactly as in the CCL test.
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Full transcript
Thanks for waiting, Mr. Rahman. I've checked your physiotherapy claim with Medibank Private and need to explain why the payment was declined.
Emm, kenapa tuntutan saya ditolak? Saya sertai Medibank bulan Mac lepas dan ingat semua rawatan macam ni terus dilindungi lepas mendaftar.
Your claim was rejected because it fell within the standard two-month waiting period that applies to general treatment items, such as physiotherapy visits.
Oh begitu ke? Bila tarikh sebenar saya mula jadi ahli? Saya tak berapa ingat, tapi rasanya awal bulan Mac.
You joined Medibank on the third of March, so your two-month waiting period actually ends on the third of May, not twelve months later.
Tapi kawan saya kata ada tempoh menunggu dua belas bulan untuk sesetengah rawatan. Adakah itu terpakai untuk fisioterapi saya juga?
That's correct—longer twelve-month waiting periods usually apply to pre-existing conditions, major dental treatment, or obstetrics, not routine physiotherapy sessions like yours.
Baguslah kalau macam tu. Jadi saya patut buat apa sekarang untuk dapatkan bayaran balik saya?
Once the third of May passes, please resubmit your claim through the Medibank app, attaching the paid physiotherapy receipt and your GP referral.
Okay, saya faham. Lepas saya hantar semula, berapa lama biasanya sebelum bayaran balik saya masuk?
Once it's resubmitted, processing usually takes around ten business days, though it can take longer depending on how complex the claim turns out to be.
Baiklah, terima kasih banyak. Saya akan tunggu sampai tiga Mei dan hantar semula tuntutan melalui aplikasi Medibank.
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 periodGunakan 'tempoh menunggu' sebagai terjemahan standard yang jelas dan tepat.
- gp referralGunakan frasa 'surat rujukan doktor keluarga' atau 'rujukan GP'.
Practise it
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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 Malay dialogues · All languages