CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards)
The terms
This cover comes with the card, from CommBank. There is nothing extra to buy.
Conditions
- Covers a trip overseas once you have spent at least $500 in one transaction on its prepaid travel costs with your eligible CommBank card before you leave Australia. Paying that $500 with CommBank Awards points also counts.
- You have to activate the cover in NetBank, the CommBank app or with Cover-More for each trip; if you activate after you leave, there is no cover for the first 3 days.
- You have to live in Australia.
- If you are 80 or over, overseas medical, funeral and some cancellation cover is not included unless you buy the over-80 upgrade.
- One overseas trip is covered for up to 3 months with a Gold, Platinum or Qantas Business Rewards card, or 12 months with a Diamond, Smart Awards or Ultimate Awards card. A cruise around Australia counts for overseas medical cover.
- A return interstate flight is covered if you pay its whole cost with a Platinum, Diamond, Smart Awards, Ultimate Awards or Qantas Business Rewards card, for up to 14 days on a personal card or 7 days on a business Platinum or Qantas Business Rewards card.
- Some listed pre-existing medical conditions are covered automatically if you are 79 or under; others only if your application for the existing medical conditions upgrade is accepted and you pay its premium.
overseas domestic cruise pay-part-fare points-count australian-residents-only activation-required age-to-79 overseas-3-months overseas-12-months domestic-14-days domestic-7-days pre-existing-some-included pre-existing-if-approved
What it pays
Overseas Travel Policy (Gold, Platinum & Qantas Business Rewards: cardholder only): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1 | Overseas Emergency Medical Assistance~ | Unlimited |
| 2 | Overseas Emergency Medical and Hospital Expenses~ | $Unlimited |
| – Hospital Incidentals a sub-limit of the section above page 4 | $7,500 ($75 per 24 hours) | |
| – Emergency Dental Expenses a sub-limit of the section above page 4 | $1,500 per person | |
| 3 | Personal Liability | $2,500,000 |
| 4 | Overseas Funeral or Cremation, or Body Repatriation | $12,500 |
| 5 | Cancellation Costs | $5,000 |
| 6 | Resumption of Journey | $5,000 |
| 7 | Accidental Death | $25,000 |
| 8 | Loss of Income | $7,500 |
| 9 | Travel Documents, Transaction Cards, Travellers Cheques and Cash | $500 |
| 10 | Baggage and Personal Goods | $10,000 |
| 11 | Baggage Delay Expenses | $500 |
| 12 | Travel Delay Expenses | $650 |
| 13 | Alternative Transport Expenses | $3,500 |
| 14 | Rental Vehicle Insurance Excess | $2,250 |
| 15 | Hijack and Kidnap | $5,000 |
Overseas Travel Policy (Gold, Platinum & Qantas Business Rewards: cardholder with family): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1 | Overseas Emergency Medical Assistance~ | Unlimited |
| 2 | Overseas Emergency Medical and Hospital Expenses~ | $Unlimited |
| – Hospital Incidentals a sub-limit of the section above page 4 | $7,500 ($75 per 24 hours) | |
| – Emergency Dental Expenses a sub-limit of the section above page 4 | $1,500 per person | |
| 3 | Personal Liability | $2,500,000 |
| 4 | Overseas Funeral or Cremation, or Body Repatriation | $25,000 |
| 5 | Cancellation Costs | $10,000 |
| 6 | Resumption of Journey | $10,000 |
| 7 | Accidental Death | $25,000 cardholder $25,000 spouse $5,000 child |
| 8 | Loss of Income | $7,500 |
| 9 | Travel Documents, Transaction Cards, Travellers Cheques and Cash | $1,000 |
| 10 | Baggage and Personal Goods | $20,000 |
| 11 | Baggage Delay Expenses | $1,000 |
| 12 | Travel Delay Expenses | $1,300 |
| 13 | Alternative Transport Expenses | $3,500 |
| 14 | Rental Vehicle Insurance Excess | $2,250 |
| 15 | Hijack and Kidnap | $5,000 |
Overseas Travel Policy (Diamond, Smart & Ultimate: cardholder only): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1 | Overseas Emergency Medical Assistance~ | Unlimited |
| 2 | Overseas Emergency Medical and Hospital Expenses~ | $Unlimited |
| – Hospital Incidentals a sub-limit of the section above page 4 | $10,000 ($100 per 24 hours) | |
| – Emergency Dental Expenses a sub-limit of the section above page 4 | $1,500 per person | |
| 3 | Personal Liability | $2,500,000 |
| 4 | Overseas Funeral or Cremation, or Body Repatriation | $12,500 |
| 5 | Cancellation Costs | $Unlimited |
| 6 | Resumption of Journey | $5,000 |
| 7 | Accidental Death | $50,000 |
| 8 | Loss of Income | $7,500 |
| 9 | Travel Documents, Transaction Cards, Travellers Cheques and Cash | $500 |
| 10 | Baggage and Personal Goods | $15,000 |
| 11 | Baggage Delay Expenses | $500 |
| 12 | Travel Delay Expenses | $650 |
| 13 | Alternative Transport Expenses | $3,500 |
| 14 | Rental Vehicle Insurance Excess | $2,250 |
| 15 | Hijack and Kidnap | $5,000 |
Overseas Travel Policy (Diamond, Smart & Ultimate: cardholder with family): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| 1 | Overseas Emergency Medical Assistance~ | Unlimited |
| 2 | Overseas Emergency Medical and Hospital Expenses~ | $Unlimited |
| – Hospital Incidentals a sub-limit of the section above page 4 | $10,000 ($100 per 24 hours) | |
| – Emergency Dental Expenses a sub-limit of the section above page 4 | $1,500 per person | |
| 3 | Personal Liability | $2,500,000 |
| 4 | Overseas Funeral or Cremation, or Body Repatriation | $25,000 |
| 5 | Cancellation Costs | $Unlimited |
| 6 | Resumption of Journey | $10,000 |
| 7 | Accidental Death | $50,000 cardholder $25,000 spouse $5,000 child |
| 8 | Loss of Income | $7,500 |
| 9 | Travel Documents, Transaction Cards, Travellers Cheques and Cash | $1,000 |
| 10 | Baggage and Personal Goods | $30,000 |
| 11 | Baggage Delay Expenses | $1,000 |
| 12 | Travel Delay Expenses | $1,300 |
| 13 | Alternative Transport Expenses | $3,500 |
| 14 | Rental Vehicle Insurance Excess | $2,250 |
| 15 | Hijack and Kidnap | $5,000 |
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 | 29 October 2025 |
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 the Commonwealth Bank and other…
What else this document covers
- Overseas Travel Policy
Data
cba-premium-cards.json: this page as data.- Every card programme · every retail plan and what it covers
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