P&N Bank Visa Platinum credit card insurance
The terms
- P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025
The group policy is held by Cuscal, the mutuals' payments provider, not by P&N -- which is why this booklet and Beyond Bank's are the same policy under two bank names. Neither document says so on its face.
This cover comes with the card, from P&N Bank. There is nothing extra to buy.
Conditions
- Travel cover comes with the P&N Bank Visa Platinum credit card.
- Overseas, a return trip is covered once you have paid the whole return flight or cruise fare with the card before you leave.
- Within Australia, a return trip is covered when you pay the whole return flight or cruise fare, or at least $500 of accommodation, with the card.
- Your card account has to be open when you pay: not cancelled, suspended or terminated.
- You have to live in Australia and be 79 or younger.
- One trip is covered for up to 180 days overseas, or 14 days within Australia.
- Pre-existing medical conditions are not covered.
overseas domestic cruise return-trips-only pay-whole-fare pay-part-fare australian-residents-only age-to-79 overseas-180-days domestic-14-days pre-existing-not-covered
What it pays
Travel Insurance (Overseas Return Trip): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| Trip Cancellation and Amendment Cover (section limit) page 19 | Up to $20,000 | |
| b. Travel agent commission (sub-limit) a sub-limit of the section above page 19 | Up to $750 or 15%, whichever is the lesser | |
| c. Additional travel and accommodation (sub-limit) a sub-limit of the section above page 19 | Up to $500 | |
| Overseas Medical Emergency Cover 1. In the event of a medical emergency (section limit) page 19 | Up to $560,000* | |
| 2. Emergency Dental (sub-limit) a sub-limit of the section above page 19 | Up to $1,250 | |
| 3. Repatriation/Evacuation (sub-limit) a sub-limit of the section above page 19 | Up to $250,000 | |
| 4. Incidental expenses each 24 hours (sub-limit) a sub-limit of the section above page 19 | Up to $50 per 24-hour period up to a maximum of $3,000 | |
| 5. Extra accommodation (room only) (sub-limit) a sub-limit of the section above page 19 | Up to $200 per 24-hour period up to a maximum of $4,000 | |
| 6. (a) Return economy airfare (sub-limit) a sub-limit of the section above page 19 | Up to $1,000 | |
| 6. (b) Extra accommodation (room-only) (sub-limit) a sub-limit of the section above page 19 | Up to $150 per 24-hour period up to a maximum of $2,100 | |
| 2. In the Event Of Your death (Repatriation/Funeral/Burial Costs) (section limit) page 19 | Up to $15,000 | |
| In the event of Your death in a Schengen member state page 19 | Up to 30,000 EUR | |
| Loss of income (section limit) page 19 | Up to $13,000 | |
| Monthly Salary (up to 5 months) page 19 | Up to $2,600 per month | |
| 1. Returning to Australia for a Close Relative page 20 | Up to $3,000 | |
| 2. Returning to Australia for a Close Relative with a Pre-Existing Medical Condition page 20 | Up to $2,000 | |
| 1. Delayed, cancelled, overbooked or missed onward flight page 20 | Up to $250, after 6 hours | |
| 2. Extended Delayed, cancelled, overbooked or missed onward flight page 20 | Up to $250 per 24-hour period (first payable after 30 hours) to a maximum of $1,000 | |
| 3. Delay of Personal Baggage checked-in on Scheduled Flight page 20 | Up to $400, after 12 hours | |
| 4. Extended Delay of Personal Baggage checked-in on Scheduled Flight page 20 | Up to $400 per 24-hour period (first payable after 36 hours) to a maximum of $2,000 | |
| 5. Delayed arrival to a Special Event page 20 | Up to $750 | |
| Personal Baggage, Valuables, Money and Travel Documents Cover (section limit) page 20 | Up to $15,000 | |
| (a) Money and Travel Documents (sub-limit) a sub-limit of the section above page 20 | Up to $500 | |
| (b) Maximum total of all Valuables (including sub-limits i. to iv.); page 20 | Up to $13,000 | |
| i. One (1) Smartphone (sub-limit); a sub-limit of the section above page 20 | Up to $2,000 | |
| ii. One (1) laptop (sub-limit); a sub-limit of the section above page 20 | Up to $5,000 | |
| iii. One (1) camera (including lenses and accessories) (sub-limit); a sub-limit of the section above page 20 | Up to $5,000 | |
| iv. Any other Valuable item (sub-limit) a sub-limit of the section above page 20 | Up to $2,000 | |
| (c) any single item or Pair or Set of items (sub-limit); a sub-limit of the section above page 20 | Up to $2,000 | |
| Hijack Cover (section limit is an aggregate limit for all Your Close Relatives) page 20 | Up to $6,200 | |
| (a) Return economy airfare page 20 | Up to $2,000 | |
| (b) Extra accommodation (room-only) for each twenty-four (24) hour period page 20 | Up to $300 per 24-hour period to a maximum of $4,200 | |
| Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives) page 20 | Up to $6,200 | |
| (a) Return economy airfare page 20 | Up to $2,000 | |
| (b) Extra accommodation (room-only) for each twenty-four (24) hour period page 20 | Up to $300 per 24-hour period to a maximum of $4,200 | |
| Personal Liability Cover page 20 | Up to $2,500,000 | |
| Rental Vehicle Excess Cover page 20 | Up to $5,000 |
Travel Insurance (Domestic Return Trip): the limit per benefit
| Section | Benefit as printed | Limit |
|---|---|---|
| Trip Cancellation and Amendment Cover (section limit) page 19 | Up to $2,000 | |
| b. Travel agent commission (sub-limit) a sub-limit of the section above page 19 | Up to $500 or 15%, whichever is the lesser | |
| c. Additional travel and accommodation (sub-limit) a sub-limit of the section above page 19 | Not Covered | |
| 2. In the Event Of Your death (Repatriation/Funeral/Burial Costs) (section limit) page 19 | Up to $15,000 | |
| In the event of Your death in a Schengen member state page 19 | Not Covered | |
| 1. Returning to Australia for a Close Relative page 20 | Not Covered | |
| 1. Delayed, cancelled, overbooked or missed onward flight page 20 | Up to $100, after 6 hours | |
| 2. Extended Delayed, cancelled, overbooked or missed onward flight page 20 | Up to $100 per 24-hour period (first payable after 30 hours) to a maximum of $300 | |
| 3. Delay of Personal Baggage checked-in on Scheduled Flight page 20 | Up to $100, after 12 hours | |
| 4. Extended Delay of Personal Baggage checked-in on Scheduled Flight page 20 | Up to $100 per 24-hour period (first payable after 36 hours)to a maximum of $300 | |
| 5. Delayed arrival to a Special Event page 20 | Not Covered | |
| Personal Baggage, Valuables, Money and Travel Documents Cover (section limit) page 20 | Up to $2,000 | |
| (a) Money and Travel Documents (sub-limit) a sub-limit of the section above page 20 | Up to $250 | |
| (b) Maximum total of all Valuables (including sub-limits i. to iv.); page 20 | Up to $1,500 | |
| i. One (1) Smartphone (sub-limit); a sub-limit of the section above page 20 | Included in above limit | |
| ii. One (1) laptop (sub-limit); a sub-limit of the section above page 20 | Included in above limit | |
| iii. One (1) camera (including lenses and accessories) (sub-limit); a sub-limit of the section above page 20 | Included in above limit | |
| iv. Any other Valuable item (sub-limit) a sub-limit of the section above page 20 | Included in above limit | |
| (c) any single item or Pair or Set of items (sub-limit); a sub-limit of the section above page 20 | Up to $500 | |
| Hijack Cover (section limit is an aggregate limit for all Your Close Relatives) page 20 | Up to $1,850 | |
| (a) Return economy airfare page 20 | Up to $800 | |
| (b) Extra accommodation (room-only) for each twenty-four (24) hour period page 20 | Up to $150 per 24-hour period to a maximum of $1,050 | |
| Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives) page 20 | Up to $1,850 | |
| (a) Return economy airfare page 20 | Up to $800 | |
| (b) Extra accommodation (room-only) for each twenty-four (24) hour period page 20 | Up to $150 per 24-hour period to a maximum of $1,050 | |
| Personal Liability Cover page 20 | Up to $1,000,000 | |
| Rental Vehicle Excess Cover page 20 | Up to $1,250 |
Who stands behind it
| Insurer | Chubb Insurance Australia Limited
ABN 23 001 642 020 |
| Register | on APRA’s register and authorised to write new business on APRA’s register as Chubb Insurance Australia Ltd |
| Claims handled by | — |
| Policy owned by | Cuscal Limited |
| 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 | — |
Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No
What else this document covers
This document prints no cover name as a heading of its own.
Data
pn-bank-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.