NAATI CCL Vietnamese Bảo hiểm & Bồi thường — Bài luyện tập

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

Vâng. Tai nạn hai ngày trước, xe không chạy được. Có xe thay khi sửa không?

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.

Lỗi tính sao? Bên kia vượt đèn đỏ.

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.

Có video dashcam nhưng chưa có biên bản cảnh sát.

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.

Nếu xe bị toàn bộ thì sao?

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.

Chi phí điều trị chấn thương có chi trả không? Đau cổ.

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.

Mai đi khám và mang xe đến tiệm. Video đã sao lưu.

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

Mời vào. Cành cây rơi hỏng mái, nước vào nhà. Trần và giấy dán phòng khách hư.

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

Sofa ướt không dùng được. TV cũng hỏng.

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?

Sofa mua ba năm trước hai nghìn có hóa đơn. TV một năm trước một nghìn năm trăm thẻ.

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.

Khoản tự chịu bao nhiêu?

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.

Sửa mất bao lâu?

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.

Dùng thợ chứng nhận. Muốn bắt đầu sớm nhất. Ít nhất mái trước khi mưa.

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

Vợ đang mang thai, phát hiện gói hiện tại không bao gồm thai sản và bệnh viện tư.

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.

Không biết. Vậy sinh ở bệnh viện công có được chi trả không?

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.

Nâng cấp cho lần mang thai sau có đáng không?

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.

Medicare hoàn là gì?

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.

Muốn bao gồm nha và mắt.

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.

Lần này sinh công. Nâng cấp sau. Cho báo giá gói gồm nha và mắt.

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

Rất tiếc ở Bali bị ngộ độc phải nhập viện. Cho biết tình hình và xác nhận số hợp đồng.

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.

Tự trả bốn nghìn ở bệnh viện. Được hoàn không?

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.

Phải đổi vé về. Phí đổi chuyến bay có được chi trả?

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.

Quy trình yêu cầu thế nào?

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.

Mua mỗi chuyến hay gói năm?

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.

Sau này mua gói năm. Hôm nay nộp hồ sơ online.

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

Ba năm rồi. Nhưng phí gia hạn cao hơn năm ngoái. Tại sao?

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.

Có cách giảm phí không?

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.

Rủi ro khi tăng khoản tự chịu?

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.

Nên so sánh với hãng khác không?

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.

Thưởng không khiếu nại là gì?

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.

So sánh rồi quyết. Xin cấp giấy chứng nhận.

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

Vợ và con đầu mới sinh. Muốn gia đình được bảo vệ tài chính nếu xảy ra chuyện.

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?

Cần bao nhiêu? Tính sao?

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.

Phí hàng tháng bao nhiêu?

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.

Nghe nói bảo hiểm qua super rẻ.

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.

Chỉ định người thụ hưởng thế nào?

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.

Xem xét kết hợp kỳ hạn và super. Muốn chọn đúng để bảo vệ gia đình.

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

Ba tháng trước chẩn đoán trầm cảm nặng và lo âu. Bác sĩ tâm thần nói tạm không làm được.

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.

Bắt đầu trả khi nào? Nghỉ ba tháng rồi.

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.

Đi làm lại thì ngừng trả? Muốn bắt đầu bán thời gian.

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.

Cần giấy tờ gì?

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.

Yêu cầu vì sức khỏe tâm thần bị từ chối không?

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.

Thu thập giấy tờ nộp trong tuần. Cảm ơn hỗ trợ.