Bankwest credit card insurance
The terms
- Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet
The only insurance document Bankwest's own complimentary insurance page links.
This cover comes with the card, from Bankwest. There is nothing extra to buy.
Conditions
- Covers a trip overseas from Australia while you hold a Bankwest Platinum Mastercard (not Platinum Zero) or World Mastercard that is activated and not cancelled or suspended. You do not have to pay for the trip with the card or tell anyone you are going.
- You have to live in Australia.
- If you are 80 or over, claims about your own health under overseas medical, additional expenses and cancellation cover are not covered.
- One overseas trip is covered for up to 31 days with a Platinum Mastercard or six months with a World Mastercard. A cruise around Australia counts for overseas medical cover.
- A return interstate flight is covered for up to 14 days if you pay its whole cost with the card.
- Some listed pre-existing medical conditions are covered automatically if you are 79 or under; others only if your health assessment is approved and you pay a premium.
overseas domestic cruise australian-residents-only age-to-79 overseas-31-days overseas-183-days domestic-14-days pre-existing-some-included pre-existing-if-approved
What it pays
Complimentary Overseas Travel Insurance (Platinum Mastercard): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Overseas Emergency Medical and Hospital Expenses~ – pages 60-62 | $Unlimited* |
| 1.2 | Hospital Incidentals~ – page 60 | $15,000* ($100 per 24 hours) |
| 1.3 | Assault Requiring Hospitalisation – page 60 | $500* |
| 1.4 | Emergency Dental Expenses~ – page 60 | $2,000* per person |
| 2 | Personal Liability – pages 63-64 | $2,500,000 |
| 3 | Accidental Death – page 64 | $25,000 cardholder $25,000 spouse |
| 4 | Baggage and Personal Goods (Accidental damage, theft and permanent loss)# – pages 65-68 | $20,000 cardholder only $30,000 cardholder with family |
| 6 | Cancellation Costs – pages 72-74 | $Nil See pages 16-19 for Upgraded Benefit details. |
Complimentary Overseas Travel Insurance (World Mastercard): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1.1 | Overseas Emergency Medical and Hospital Expenses~ – pages 60-62 | $Unlimited* |
| 1.2 | Hospital Incidentals~ – page 60 | $15,000* ($100 per 24 hours) |
| 1.3 | Assault Requiring Hospitalisation – page 60 | $500* |
| 1.4 | Emergency Dental Expenses~ – page 60 | $2,000* per person |
| 2 | Personal Liability – pages 63-64 | $2,500,000 |
| 3 | Accidental Death – page 64 | $25,000 cardholder $25,000 spouse |
| 4 | Baggage and Personal Goods (Accidental damage, theft and permanent loss)# – pages 65-68 | $20,000 cardholder only $30,000 cardholder with family |
| 5 | Additional Expenses – pages 70-71 | $Unlimited* |
| 6 | Cancellation Costs – pages 72-74 | $15,000* cardholder only $20,000* cardholder with family |
Who stands behind it
| Insurer | Zurich Australian Insurance Limited
ABN 13 000 296 640 AFSL 232507 |
| Register | on APRA’s register and authorised to write new business on APRA’s register as Zurich Australian Insurance Limited |
| Claims handled by | — |
| Policy owned by | — |
| What the cardholder holds |
the bank’s policy, claimable by the cardholder
The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right. |
| Document effective | 22 April 2026 |
Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we”, “our” and “us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as Bankwest and other relevant…
What else this document covers
- Overseas Travel Insurance
Data
bankwest-cards.json: this page as data.- Every card programme · every retail plan and what it covers
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.