NAATI CCL Urdu انشورنس اور دعوے مشقی مکالمے

Good afternoon. I'm calling about the car accident claim you submitted online yesterday.

جی۔ دو دن پہلے حادثہ ہوا اور گاڑی چلنے لائق نہیں۔ مرمت کے دوران متبادل گاڑی ملے گی؟

Your policy includes rental car cover. You're covered for up to eighty dollars a day for a maximum of fourteen days. You can go directly to an authorised rental company.

غلطی کیسے طے ہوگی؟ دوسرے ڈرائیور نے سرخ بتی توڑی۔

A police report and dashcam footage make it easier to establish fault. If the other party is at fault, their insurer covers your costs including repairs and the rental car.

ڈیش کیم فوٹیج ہے لیکن پولیس رپورٹ ابھی نہیں ملی۔

Police reports take two to four weeks. Meanwhile, back up your dashcam footage — save copies to your computer and email them to yourself as a backup.

گاڑی مکمل نقصان ہو تو؟

If repair cost exceeds the car's market value, it's classified as a total loss. You'd receive the market value minus the excess, and the car becomes the insurer's property.

طبی اخراجات بھی ادا ہوں گے؟ گردن میں درد ہے۔

Yes, your policy includes up to five thousand in personal injury cover. See a doctor and keep all receipts and medical reports. These are needed for the injury claim.

کل ڈاکٹر کو دکھاتا ہوں اور مجاز مرمت کار کے پاس گاڑی لے جاتا ہوں۔ ڈیش کیم فوٹیج پہلے سے بیک اپ ہے۔

Good morning. I'm the claims assessor. I'm here to inspect the storm damage you reported.

اندر آئیں۔ درخت کی شاخ چھت پر گری اور پانی اندر آیا۔ بیٹھک کی چھت اور وال پیپر نقصان زدہ ہیں۔

I'll photograph and document the extent of the damage. Was any furniture or electronics damaged?

صوفا بھیگ کر خراب ہو گیا۔ ٹیلی ویژن بھی پانی سے نقصان ہوا۔

Contents are covered under your contents insurance. Whether you receive the replacement value or a brand-new item depends on the type of policy. Do you have purchase receipts or credit card statements?

تین سال پہلے دو ہزار ڈالر میں صوفا خریدا رسید ہے۔ ٹیلی ویژن سال پہلے پندرہ سو میں کریڈٹ کارڈ سے۔

Your policy is a new-for-old type. That means you're paid the cost of replacing the item with an equivalent new one, not its current market value. That's very favourable for you.

ایکسیس کتنا ہے؟

The excess for storm damage is five hundred dollars. However, the roof, furniture, and television are separate claims. Total payout depends on individual item assessments.

مرمت کتنی دیر لگے گی؟

Roof repairs usually take one to two weeks, but after a major storm there's high demand. I'll prioritise an emergency tarp to prevent further water damage in the meantime.

اپنے مجاز مرمت کار سے بندوبست کریں۔ جلد از جلد مرمت شروع ہونی چاہیے — کم از کم دوبارہ بارش سے پہلے چھت۔

Welcome. You're thinking about upgrading your health insurance. What prompted this?

بیوی حاملہ ہے اور ابھی پتا چلا موجودہ پلان حمل یا نجی ہسپتال قیام شامل نہیں کرتا۔

An important point — private hospital pregnancy cover usually has a twelve-month waiting period. That means even if you upgrade now, it may not apply to this pregnancy.

یہ معلوم نہیں تھا۔ سرکاری ہسپتال میں پیدائش پھر بھی شامل ہے؟

Under Medicare, childbirth in a public hospital is fully covered. Even without private insurance, you'll receive good medical care. Private only adds a choice of doctor and room.

مستقبل حمل کے لیے ابھی مرتبہ بڑھانا مفید ہے؟

If you're planning a private hospital birth in future, upgrading now starts the waiting period. Most insurers have a twelve-month wait for pregnancy-related claims.

میڈیکیئر ریبیٹ کیا ہے؟

The government rebate covers part of your premium. The rate depends on your income and age. Lower income earners receive a higher rebate — up to about twenty-five per cent.

دانت اور آنکھ کور بھی چاہیے۔

Dental and optical are included in extras cover. Bundling extras with hospital cover gives you a discount. Compare the annual limits and waiting periods to choose the best plan.

اس بار سرکاری ہسپتال میں پیدائش اور مستقبل کے لیے مرتبہ بڑھائیں گے۔ دانت آنکھ شامل پلان کا تخمینہ دیں۔

You're calling about a medical expenses claim from an overseas trip. Can I have your policy number?

بدقسمتی سے بالی میں فوڈ پوائزننگ ہوئی اور ہسپتال میں داخل ہوا۔ کیا ہوا بتاؤں اور پالیسی تصدیق ہو سکتی ہے؟

I'm sorry to hear that. Let me check your policy's medical cover limit. Your plan covers up to fifty thousand dollars in overseas medical expenses per trip.

ہسپتال میں جیب سے چار ہزار ڈالر ادا کیے۔ واپس ملیں گے؟

Yes, once you submit the receipts and medical records, you'll be reimbursed. For overseas emergency medical treatment, the excess often doesn't apply. Your policy waives the excess for emergency hospitalisation.

واپسی فلائٹ بدلنی پڑی۔ فلائٹ تبدیلی خرچ شامل ہے؟

If the flight was changed for medical reasons, the change fee and fare difference are covered. A medical certificate confirming you were unfit to fly is required.

دعوے کا عمل کیا ہے؟

Complete the claim form online and upload the receipts, medical records, doctor's certificate, and flight change receipt. Once all documents are submitted, reimbursement usually takes ten to fifteen business days.

ہر سفر پر ٹریول انشورنس خریدوں یا سالانہ پلان بہتر مالیت؟

If you travel overseas more than twice a year, an annual plan is better value. A single-trip policy costs about a hundred and fifty, while an annual plan is around three hundred.

اب سے سالانہ پلان لیتا ہوں۔ آج ہی دعوے کی دستاویزات آن لائن جمع کرتا ہوں۔

Good afternoon. Your car insurance renewal is due next week. I'm calling to review the renewal details.

جی، تین سال سے آپ کے ساتھ ہوں۔ لیکن تجدید پریمیم پچھلے سال سے زیادہ لگتا ہے۔ کیوں؟

Premiums are recalculated annually based on your car's market value, rising repair costs, changes in accident rates, and the risk profile of your address. This year, repair costs have risen across the board.

پریمیم کم کرنے کا طریقہ ہے؟

There are several options. Increasing your excess lowers the premium. Raising it from five hundred to one thousand dollars saves about a hundred and fifty per year. There are also low-kilometre plans and dashcam discounts.

ایکسیس بڑھانے کا خطرہ کیا ہے؟

Higher excess means lower premium but more out of pocket at claim time. With a thousand-dollar excess, even a minor repair like a bumper costs you the full thousand first.

دوسرے انشورر سے موازنہ کروں؟

Yes, I'd recommend comparing. Use comparison websites to get quotes from other companies, then come back and negotiate with us. Also check whether your long-term customer discount and no-claims bonus will carry over.

نو کلیمز بونس کیا ہے؟

Your premium is discounted based on claim-free years. You've had three claim-free years, giving you a good discount. Making a claim would reset it to zero.

موازنہ کرکے فیصلہ کرتا ہوں۔ نو کلیمز بونس سرٹیفکیٹ جاری کریں۔

You're enquiring about life insurance. Can you tell me about your family situation and what you're looking to achieve?

بیوی اور میرا پہلا بچہ ہوا ہے۔ مجھے کچھ ہو جائے تو خاندان مالی طور پر محفوظ رہے یقینی بنانا ہے۔

Excellent decision. There are several types — term life covers a set period, total and permanent disability, and trauma cover for critical illness. Which interests you most?

کتنا کور چاہیے؟ حساب کیسے لگاؤں؟

A guide is to add up your mortgage, living costs until your child is independent, education costs, and any debts. For most young families, one to one and a half million is common.

ماہانہ پریمیم کتنا ہے؟

For someone in their early thirties, non-smoker, office job, one and a half million in term cover costs around sixty to eighty dollars per month. Premiums increase with age.

سپر کے ذریعے انشورنس سستی سنی ہے۔

Yes, premiums can be deducted from super so they don't affect take-home pay. However, this reduces your retirement savings over time. It's worth comparing both options.

فائدہ اٹھانے والا کیسے نامزد کروں؟

You nominate the beneficiary when applying. Naming your spouse is most common. You can also name a trust for minor children so the payout is managed until they're adults.

ٹرم انشورنس اور سپر انشورنس کی کمبینیشن پر غور کروں گا۔ خاندان کی حفاظت کے لیے صحیح انتخاب کرنا چاہتا ہوں۔

You've submitted an income protection claim for medical reasons. Can you tell me about the situation?

تین ماہ پہلے شدید ڈپریشن اور اضطراب کی تشخیص ہوئی۔ ماہر نفسیات نے فی الحال کام کرنے سے قاصر قرار دیا ہے۔

Mental health conditions are covered by income protection insurance. Under your policy, after a thirty-day waiting period, you'll receive seventy-five per cent of your monthly salary for up to two years.

ادائیگیاں کب شروع ہوں گی؟ تین ماہ سے چھٹی پر ہوں۔

Once approved, payments are backdated to day thirty-one. Since you've been off for two months, you'd receive a lump sum for the period after the waiting period.

دوبارہ کام کر سکوں تو ادائیگیاں رک جائیں گی؟ پارٹ ٹائم سے شروع کرنا چاہتا ہوں۔

We support gradual return. If you return part-time, the policy pays the difference between your part-time income and your pre-disability income. This makes the transition easier.

کون سی دستاویزات چاہییں؟

You'll need a psychiatrist's diagnosis, treatment plan, certificate of incapacity, payslips showing lost income, and a letter from your employer confirming your absence.

ذہنی صحت حالت ہونے سے دعویٰ مسترد ہو سکتا ہے؟

Mental health claims aren't automatically rejected. However, pre-existing conditions at the time of taking out the policy must be disclosed. Non-disclosure could void the claim.

دستاویزات جمع کرکے اس ہفتے جمع کرتا ہوں۔ حمایت کا شکریہ۔