{ "generated_at": "2026-11-06T04:17:02Z", "brand_slug": "budget-direct", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "product": "Comprehensive", "page": "https://deepalmanac.com/au/insurance/travel/brands/budget-direct/", "insurer": { "name": "Zurich Australian Insurance Limited", "legal_name": "Zurich Australian Insurance Limited", "abn": "13000296640", "afs_licence_number": "232507", "footing": "company", "register": { "outcome": "apra_authorised", "apra_status": "authorised", "matched_on": "afs_licence_number", "asic_licensee": "ZURICH AUSTRALIAN INSURANCE LIMITED", "note": null }, "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507", "citation": { "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=22", "page": 22, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05" } }, "sold_by": { "name": "Travel Insurance Partners Pty Limited", "basis": "agent_of_insurer" }, "documents": { "pds": { "kind": "pds", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "label": "Budget Direct Travel Insurance PDS", "status": "ok", "http_status": 200, "words": 29415, "content_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "bytes_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "retrieved_at": "2026-11-04T23:17:13Z" }, "tmd": { "kind": "tmd", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf", "label": "Budget Direct Travel Insurance Target Market Determination", "status": "ok", "http_status": 200, "words": 3500, "content_sha256": "e48657537c9b0ca972ae689b416be68c24ccfd0d8d2c4526be5bcf530dfb8490", "bytes_sha256": "0cd2e7e9a133d3f37add608fd3d0100d088fe7105e5816f3a942f25fb3157ae2", "retrieved_at": "2026-11-04T23:17:14Z" } }, "application": { "cooling_off_days": 21, "cooling_off_quote": "this policy for any reason within the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back", "maximum_age": null, "maximum_age_check": "not_stated", "maximum_age_note": "No maximum age is stated in prose in this brand's PDS. Where a policy has one it is usually in an eligibility table, which is not read yet, so this is unknown rather than absent.", "who_it_is_designed_for": "The product is designed for travellers who want the flexibility to choose options to vary their cover", "always_ask_the_traveller": [ "The age of every traveller to be covered, not just the eldest.", "Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.", "Departure and return dates, and for an annual policy the longest single trip.", "The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.", "Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.", "Whether they already hold travel cover through a credit card or health fund." ] }, "plans": [ { "brand_slug": "budget-direct", "plan_slug": "comprehensive", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "Comprehensive", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas medical expenses (including emergency repatriation/evacuation)", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$10,000^ (or cover chosen)", "citation": { "quote": "3* Amendment or Cancellation Costs", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$10,000^ (or cover chosen)", "$5,000^ (or cover chosen)", "$Nil" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "4* Luggage and Personal Effects", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$10,000", "$5,000", "$2,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "7 Rental Vehicle Insurance Excess", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$10,000", "$4,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 5000000, "stated": "$5,000,000", "citation": { "quote": "Personal Liability", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$5,000,000", "$2,500,000", "$1,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "8* Travel Delay", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$2,000", "$1,000", "$Nil" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 30000, "stated": "$30,000†", "citation": { "quote": "16* Accidental Death", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$30,000†", "$20,000†", "$Nil" ] } }, "cash": { "kind": "amount", "amount_aud": 400, "stated": "$400", "citation": { "quote": "6 Money", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$400", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 16 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:", "page": 16 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 16 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 16 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 16 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 16 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the following table", "page": 16 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 16 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 16 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 16 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 16 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 16 }, { "name": "Bell’s Palsy", "criteria": [], "page": 17 }, { "name": "Bunions", "criteria": [], "page": 17 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 17 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Coeliac Disease", "criteria": [], "page": 17 }, { "name": "Congenital Blindness", "criteria": [], "page": 17 }, { "name": "Congenital Deafness", "criteria": [], "page": 17 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 16 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 17 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 17 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 17 }, { "name": "Goitre", "criteria": [], "page": 17 }, { "name": "Graves’ Disease", "criteria": [], "page": 17 }, { "name": "Gout", "criteria": [], "page": 17 }, { "name": "Hiatus Hernia", "criteria": [], "page": 17 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 17 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 17 }, { "name": "Migraine", "criteria": [], "page": 17 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 17 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 17 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis", "criteria": [], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 18 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 18 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an additional premium may apply.", "page": 15 } ], "document_cited": { "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=budget-direct].automatically_covered_conditions" } }, "page": "https://deepalmanac.com/au/insurance/travel/brands/budget-direct/comprehensive/" }, { "brand_slug": "budget-direct", "plan_slug": "essential", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "Essential", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas medical expenses (including emergency repatriation/evacuation)", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "sum_insured_chosen", "amount_aud": null, "stated": "$5,000^ (or cover chosen)", "citation": { "quote": "3* Amendment or Cancellation Costs", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$10,000^ (or cover chosen)", "$5,000^ (or cover chosen)", "$Nil" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "4* Luggage and Personal Effects", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$10,000", "$5,000", "$2,000" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 4000, "stated": "$4,000", "citation": { "quote": "7 Rental Vehicle Insurance Excess", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$10,000", "$4,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "Personal Liability", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$5,000,000", "$2,500,000", "$1,000,000" ] } }, "travel_delay": { "kind": "amount", "amount_aud": 1000, "stated": "$1,000", "citation": { "quote": "8* Travel Delay", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$2,000", "$1,000", "$Nil" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 20000, "stated": "$20,000†", "citation": { "quote": "16* Accidental Death", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$30,000†", "$20,000†", "$Nil" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "6 Money", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$400", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "labels": [ "overseas", "single-trip", "annual-multi-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip, or every trip in a year as an Annual Multi-Trip policy up to the trip length chosen.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 16 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:", "page": 16 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 16 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 16 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 16 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 16 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the following table", "page": 16 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 16 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 16 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 16 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 16 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 16 }, { "name": "Bell’s Palsy", "criteria": [], "page": 17 }, { "name": "Bunions", "criteria": [], "page": 17 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 17 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Coeliac Disease", "criteria": [], "page": 17 }, { "name": "Congenital Blindness", "criteria": [], "page": 17 }, { "name": "Congenital Deafness", "criteria": [], "page": 17 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 16 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 17 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 17 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 17 }, { "name": "Goitre", "criteria": [], "page": 17 }, { "name": "Graves’ Disease", "criteria": [], "page": 17 }, { "name": "Gout", "criteria": [], "page": 17 }, { "name": "Hiatus Hernia", "criteria": [], "page": 17 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 17 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 17 }, { "name": "Migraine", "criteria": [], "page": 17 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 17 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 17 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis", "criteria": [], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 18 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 18 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an additional premium may apply.", "page": 15 } ], "document_cited": { "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=budget-direct].automatically_covered_conditions" } }, "page": "https://deepalmanac.com/au/insurance/travel/brands/budget-direct/essential/" }, { "brand_slug": "budget-direct", "plan_slug": "basic", "brand": "Budget Direct Travel Insurance", "site": "https://www.budgetdirect.com.au/travel-insurance.html", "insurer": "Zurich Australian Insurance Limited", "insurer_footing": "company", "product": "International", "plan": "Basic", "varies_by": "plan", "benefits_read": 24, "plan_names_read_from_document": true, "benefit_names_unreliable": false, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "unlimited", "amount_aud": null, "stated": "$Unlimited~", "citation": { "quote": "Overseas medical expenses (including emergency repatriation/evacuation)", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] } }, "cancellation": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "3* Amendment or Cancellation Costs", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$10,000^ (or cover chosen)", "$5,000^ (or cover chosen)", "$Nil" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "4* Luggage and Personal Effects", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$10,000", "$5,000", "$2,000" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "7 Rental Vehicle Insurance Excess", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$10,000", "$4,000", "$Nil" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 1000000, "stated": "$1,000,000", "citation": { "quote": "Personal Liability", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$5,000,000", "$2,500,000", "$1,000,000" ] } }, "travel_delay": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "8* Travel Delay", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$2,000", "$1,000", "$Nil" ] } }, "accidental_death": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "16* Accidental Death", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$30,000†", "$20,000†", "$Nil" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "$Nil", "citation": { "quote": "6 Money", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$400", "$250", "$Nil" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "rental_vehicle_excess": false, "personal_liability": false, "travel_delay": false, "accidental_death": false, "cash": false }, "document": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "labels": [ "overseas", "single-trip", "cruise-add-on", "pre-existing-if-approved", "pre-existing-some-included", "overseas-365-days", "australian-residents-only" ], "conditions": { "lines": [ "Covers one overseas trip.", "Worldwide cover is at most 12 months in total.", "A cruise of two or more nights on an ocean or sea outside Australian coastal waters is covered only if Cruise Cover is added, for an extra premium.", "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "You must live in Australia, with a Medicare card or a visa to live, work or study here, and be returning home at the end of the trip." ], "written_on": "2026-10-15", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31" }, "pre_existing_conditions": { "treatment": "some_named_automatically_others_if_approved", "in_words": "some named conditions automatically; others if approved", "labels": [ "pre-existing-if-approved", "pre-existing-some-included" ], "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "automatically_covered": { "where": "listed in the document", "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf", "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.", "names": [ "Acne", "ADHD (Attention Deficit Hyperactivity Disorder)", "Allergy", "Anxiety", "Asthma", "Bell’s Palsy", "Bunions", "Carpal Tunnel Syndrome", "Cataracts", "Glaucoma", "Coeliac Disease", "Congenital Blindness", "Congenital Deafness", "Depression", "Ear Grommets", "Epilepsy", "Gastric Reflux", "Goitre", "Graves’ Disease", "Gout", "Hiatus Hernia", "Hip Replacement", "Knee Replacement", "Shoulder Replacement", "Hip Resurfacing", "Hypercholesterolaemia (High Cholesterol)", "Hypertension (High Blood Pressure)", "Migraine", "Peptic Ulcer", "Gastric Ulcer", "Plantar Fasciitis", "Raynaud’s Disease", "Skin Cancer", "Stenosing Tenosynovitis", "Urinary Incontinence", "Underactive Thyroid", "Overactive Thyroid" ], "read_by_hand": true, "written_on": "2026-11-06", "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31", "term_used": "existing medical condition", "section": { "quote": "Existing Medical Conditions We automatically include", "page": 16 }, "who": [], "lead": { "line": "A condition in the table is covered automatically if all the points below are met.", "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:", "page": 16 }, "criteria_for_every_condition": [ { "line": "Every existing medical condition you have must be on the list.", "quote": "all Your Existing Medical Conditions are on this list", "page": 16 }, { "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.", "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions", "page": 16 }, { "line": "Not under investigation for any listed condition.", "quote": "You are not under investigation for any of the listed conditions", "page": 16 }, { "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.", "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions", "page": 16 }, { "line": "Each condition meets its own criteria in the table.", "quote": "Your condition satisfies the criteria in the following table", "page": 16 } ], "count": 37, "conditions": [ { "name": "Acne", "criteria": [], "page": 16 }, { "name": "ADHD (Attention Deficit Hyperactivity Disorder)", "criteria": [], "page": 16 }, { "name": "Allergy", "criteria": [ "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition", "You have no known respiratory conditions (e.g. Asthma)" ], "page": 16 }, { "name": "Anxiety", "criteria": [ "You have not been diagnosed with Depression in the last 3 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety" ], "page": 16 }, { "name": "Asthma", "criteria": [ "You are less than 60 years of age when You purchase the policy", "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner", "You have been a non-smoker for at least the last 18 months", "You don’t need prescribed oxygen outside of a hospital", "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis" ], "page": 16 }, { "name": "Bell’s Palsy", "criteria": [], "page": 17 }, { "name": "Bunions", "criteria": [], "page": 17 }, { "name": "Carpal Tunnel Syndrome", "criteria": [], "page": 17 }, { "name": "Cataracts", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Glaucoma", "criteria": [ "In the last 90 days, You haven’t had an operation for this condition", "You have no ongoing complications of this condition" ], "page": 17 }, { "name": "Coeliac Disease", "criteria": [], "page": 17 }, { "name": "Congenital Blindness", "criteria": [], "page": 17 }, { "name": "Congenital Deafness", "criteria": [], "page": 17 }, { "name": "Depression", "criteria": [ "You have not been hospitalised for this condition in the last 2 years", "In the last 12 months, Your prescribed medication hasn’t changed", "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)", "You have not previously been required to cancel or curtail Your travel plans due to Your Depression" ], "page": 16 }, { "name": "Ear Grommets", "criteria": [ "You don’t have an ear infection" ], "page": 17 }, { "name": "Epilepsy", "criteria": [ "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)" ], "page": 17 }, { "name": "Gastric Reflux", "criteria": [ "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)" ], "page": 17 }, { "name": "Goitre", "criteria": [], "page": 17 }, { "name": "Graves’ Disease", "criteria": [], "page": 17 }, { "name": "Gout", "criteria": [], "page": 17 }, { "name": "Hiatus Hernia", "criteria": [], "page": 17 }, { "name": "Hip Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Knee Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Shoulder Replacement", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hip Resurfacing", "criteria": [ "The procedure was performed more than 12 months ago and less than 10 years ago", "You haven’t had any post-operative complications related to that surgery", "Post-operative complications include joint dislocation and infection" ], "page": 17 }, { "name": "Hypercholesterolaemia (High Cholesterol)", "criteria": [ "You don’t have a known heart or cardiovascular condition" ], "page": 17 }, { "name": "Hypertension (High Blood Pressure)", "criteria": [ "You don’t have a known heart or cardiovascular condition", "You don’t have Diabetes (Type I or Type II)", "Your Hypertension is stable and managed by Your medical practitioner", "In the last 12 months, Your prescribed blood pressure medication hasn’t changed", "You aren’t suffering symptoms of Hypertension", "You aren’t having investigations related to blood pressure" ], "page": 17 }, { "name": "Migraine", "criteria": [], "page": 17 }, { "name": "Peptic Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Gastric Ulcer", "criteria": [ "In the last 12 months, the Peptic/Gastric Ulcer has been stable" ], "page": 17 }, { "name": "Plantar Fasciitis", "criteria": [], "page": 17 }, { "name": "Raynaud’s Disease", "criteria": [], "page": 17 }, { "name": "Skin Cancer", "criteria": [ "Your Skin Cancer isn’t a Melanoma", "You haven’t had chemotherapy or radiotherapy for this condition", "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision" ], "page": 18 }, { "name": "Stenosing Tenosynovitis", "criteria": [], "page": 18 }, { "name": "Urinary Incontinence", "criteria": [], "page": 18 }, { "name": "Underactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 }, { "name": "Overactive Thyroid", "criteria": [ "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour" ], "page": 18 } ], "notes": [ { "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.", "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.", "page": 18 } ], "otherwise": [ { "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.", "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.", "page": 18 }, { "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.", "quote": "If such cover is applied for and approved, an additional premium may apply.", "page": 15 } ], "document_cited": { "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf" }, "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/policies.json brands[brand_slug=budget-direct].automatically_covered_conditions" } }, "page": "https://deepalmanac.com/au/insurance/travel/brands/budget-direct/basic/" } ], "benefit_tables": [ { "group": "International", "label_quality": { "benefits": 24, "names_that_look_fragmentary": 0, "note": null }, "plans_without_a_readable_name": null, "plan_name_mismatch": null, "plan_axis": "plan", "plans": [ { "plan": "Comprehensive", "trip_type": null }, { "plan": "Essential", "trip_type": null }, { "plan": "Basic", "trip_type": null } ], "plan_names": [ "Comprehensive", "Essential", "Basic" ], "coverage": { "benefits": 24, "cells": 72, "cells_possible": 72 }, "benefits": [ { "benefit": "overseas_medical", "benefit_as_printed": "Overseas medical expenses (including emergency repatriation/evacuation)", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$Unlimited~", "kind": "unlimited", "amount_aud": null }, "Essential": { "stated": "$Unlimited~", "kind": "unlimited", "amount_aud": null }, "Basic": { "stated": "$Unlimited~", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "Yes $Unlimited~ $Unlimited~ $Unlimited~" }, "citation": { "quote": "Overseas medical expenses (including emergency repatriation/evacuation)", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited~", "$Unlimited~", "$Unlimited~" ] }, "excess_applies": true }, { "benefit": "overseas_dental_emergency", "benefit_as_printed": "Overseas dental expenses", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Essential": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 }, "Basic": { "stated": "$500", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "Overseas dental expenses Yes $2,000 $1,000 $500" }, "citation": { "quote": "Overseas dental expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$2,000", "$1,000", "$500" ] }, "excess_applies": true }, { "benefit": "additional_expenses", "benefit_as_printed": "Additional Expenses", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$Unlimited#", "kind": "unlimited", "amount_aud": null }, "Essential": { "stated": "$Unlimited#", "kind": "unlimited", "amount_aud": null }, "Basic": { "stated": "$Unlimited#", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "2* Additional Expenses Yes $Unlimited# $Unlimited# $Unlimited#" }, "citation": { "quote": "2* Additional Expenses", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$Unlimited#", "$Unlimited#", "$Unlimited#" ] }, "excess_applies": true }, { "benefit": "cancellation", "benefit_as_printed": "Amendment or Cancellation Costs", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$10,000^ (or cover chosen)", "kind": "sum_insured_chosen", "amount_aud": null, "note": "the limit is the sum insured the traveller chooses at purchase" }, "Essential": { "stated": "$5,000^ (or cover chosen)", "kind": "sum_insured_chosen", "amount_aud": null, "note": "the limit is the sum insured the traveller chooses at purchase" }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "3* Amendment or Cancellation Costs Yes $10,000^ (or cover chosen) $5,000^ (or cover chosen) $Nil" }, "citation": { "quote": "3* Amendment or Cancellation Costs", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$10,000^ (or cover chosen)", "$5,000^ (or cover chosen)", "$Nil" ] }, "excess_applies": true }, { "benefit": "luggage_total", "benefit_as_printed": "Luggage and Personal Effects", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 }, "Essential": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Basic": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 } }, "evidence": { "row": "4* Luggage and Personal Effects $10,000 $5,000 $2,000" }, "citation": { "quote": "4* Luggage and Personal Effects", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$10,000", "$5,000", "$2,000" ] } }, { "benefit": "Phone or smart watch - limit per item", "benefit_as_printed": "Phone or smart watch - limit per item", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$1,500•", "kind": "amount", "amount_aud": 1500 }, "Essential": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 }, "Basic": { "stated": "$750•", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "Phone or smart watch - limit per item $1,500• $1,000• $750•" }, "citation": { "quote": "Phone or smart watch - limit per item", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$1,500•", "$1,000•", "$750•" ] } }, { "benefit": "Camera or video camera - limit per item", "benefit_as_printed": "Camera or video camera - limit per item", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$4,000•", "kind": "amount", "amount_aud": 4000 }, "Essential": { "stated": "$2,000•", "kind": "amount", "amount_aud": 2000 }, "Basic": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "Camera or video camera - limit per item $4,000• $2,000• $1,000•" }, "citation": { "quote": "Camera or video camera - limit per item", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$4,000•", "$2,000•", "$1,000•" ] } }, { "benefit": "Laptop computer - limit per item", "benefit_as_printed": "Laptop computer - limit per item", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$3,000•", "kind": "amount", "amount_aud": 3000 }, "Essential": { "stated": "$2,000•", "kind": "amount", "amount_aud": 2000 }, "Basic": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "Laptop computer - limit per item $3,000• $2,000• $1,000•" }, "citation": { "quote": "Laptop computer - limit per item", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$3,000•", "$2,000•", "$1,000•" ] } }, { "benefit": "Tablet computer - limit per item", "benefit_as_printed": "Tablet computer - limit per item", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$3,000•", "kind": "amount", "amount_aud": 3000 }, "Essential": { "stated": "$2,000•", "kind": "amount", "amount_aud": 2000 }, "Basic": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 } }, "evidence": { "row": "Tablet computer - limit per item Yes $3,000• $2,000• $1,000•" }, "citation": { "quote": "Tablet computer - limit per item", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$3,000•", "$2,000•", "$1,000•" ] }, "excess_applies": true }, { "benefit": "Drone (with or without camera) - limit per item", "benefit_as_printed": "Drone (with or without camera) - limit per item", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 }, "Essential": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 }, "Basic": { "stated": "$750•", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "Drone (with or without camera) - limit per item $1,000• $1,000• $750•" }, "citation": { "quote": "Drone (with or without camera) - limit per item", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$1,000•", "$1,000•", "$750•" ] } }, { "benefit": "Artificial limb, removable dental appliance, dentures or medical device", "benefit_as_printed": "Artificial limb, removable dental appliance, dentures or medical device", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 }, "Essential": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 }, "Basic": { "stated": "$750•", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "$1,000• $1,000• $750•" }, "citation": { "quote": "Artificial limb, removable dental appliance, dentures or medical device", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$1,000•", "$1,000•", "$750•" ] } }, { "benefit": "Jewellery, watch or any other item - limit per item", "benefit_as_printed": "Jewellery, watch or any other item - limit per item", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 }, "Essential": { "stated": "$1,000•", "kind": "amount", "amount_aud": 1000 }, "Basic": { "stated": "$750•", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "Jewellery, watch or any other item - limit per item $1,000• $1,000• $750•" }, "citation": { "quote": "Jewellery, watch or any other item - limit per item", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "$1,000•", "$1,000•", "$750•" ] } }, { "benefit": "luggage_delayed", "benefit_as_printed": "Delayed Luggage Allowance", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 }, "Essential": { "stated": "$800", "kind": "amount", "amount_aud": 800 }, "Basic": { "stated": "$600", "kind": "amount", "amount_aud": 600 } }, "evidence": { "row": "5* Delayed Luggage Allowance Yes $1,000 $800 $600" }, "citation": { "quote": "5* Delayed Luggage Allowance", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$1,000", "$800", "$600" ] }, "excess_applies": true }, { "benefit": "cash", "benefit_as_printed": "Money", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$400", "kind": "amount", "amount_aud": 400 }, "Essential": { "stated": "$250", "kind": "amount", "amount_aud": 250 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "6 Money No $400 $250 $Nil" }, "citation": { "quote": "6 Money", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$400", "$250", "$Nil" ] }, "excess_applies": false }, { "benefit": "rental_vehicle_excess", "benefit_as_printed": "Rental Vehicle Insurance Excess", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 }, "Essential": { "stated": "$4,000", "kind": "amount", "amount_aud": 4000 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "7 Rental Vehicle Insurance Excess No $10,000 $4,000 $Nil" }, "citation": { "quote": "7 Rental Vehicle Insurance Excess", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$10,000", "$4,000", "$Nil" ] }, "excess_applies": false }, { "benefit": "travel_delay", "benefit_as_printed": "Travel Delay", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Essential": { "stated": "$1,000", "kind": "amount", "amount_aud": 1000 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "8* Travel Delay No $2,000 $1,000 $Nil" }, "citation": { "quote": "8* Travel Delay", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$2,000", "$1,000", "$Nil" ] }, "excess_applies": false }, { "benefit": "resumption_of_journey", "benefit_as_printed": "Resumption of Journey", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$3,000", "kind": "amount", "amount_aud": 3000 }, "Essential": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "9 Resumption of Journey Yes $3,000 $Nil $Nil" }, "citation": { "quote": "9 Resumption of Journey", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$3,000", "$Nil", "$Nil" ] }, "excess_applies": true }, { "benefit": "missed_connections", "benefit_as_printed": "Missed Connections", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$3,000", "kind": "amount", "amount_aud": 3000 }, "Essential": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "10 Missed Connections Yes $3,000 $Nil $Nil" }, "citation": { "quote": "10 Missed Connections", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$3,000", "$Nil", "$Nil" ] }, "excess_applies": true }, { "benefit": "Special Events", "benefit_as_printed": "Special Events", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Essential": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "11 Special Events Yes $5,000 $Nil $Nil" }, "citation": { "quote": "11 Special Events", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "Yes", "$5,000", "$Nil", "$Nil" ] }, "excess_applies": true }, { "benefit": "hospital_incidentals", "benefit_as_printed": "Hospital Incidentals", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Essential": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "12* Hospital Incidentals No $5,000 $2,000 $Nil" }, "citation": { "quote": "12* Hospital Incidentals", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$5,000", "$2,000", "$Nil" ] }, "excess_applies": false }, { "benefit": "hijacking", "benefit_as_printed": "Hijacking", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Essential": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "13* Hijacking No $5,000 $Nil $Nil" }, "citation": { "quote": "13* Hijacking", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$5,000", "$Nil", "$Nil" ] }, "excess_applies": false }, { "benefit": "loss_of_income", "benefit_as_printed": "Loss of Income", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$45,000†", "kind": "amount", "amount_aud": 45000 }, "Essential": { "stated": "$25,000†", "kind": "amount", "amount_aud": 25000 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "14* Loss of Income No $45,000† $25,000† $Nil" }, "citation": { "quote": "14* Loss of Income", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$45,000†", "$25,000†", "$Nil" ] }, "excess_applies": false }, { "benefit": "accidental_death", "benefit_as_printed": "Accidental Death", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$30,000†", "kind": "amount", "amount_aud": 30000 }, "Essential": { "stated": "$20,000†", "kind": "amount", "amount_aud": 20000 }, "Basic": { "stated": "$Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "16* Accidental Death No $30,000† $20,000† $Nil" }, "citation": { "quote": "16* Accidental Death", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$30,000†", "$20,000†", "$Nil" ] }, "excess_applies": false }, { "benefit": "personal_liability", "benefit_as_printed": "Personal Liability", "page": "lines 115-144", "limits": { "Comprehensive": { "stated": "$5,000,000", "kind": "amount", "amount_aud": 5000000 }, "Essential": { "stated": "$2,500,000", "kind": "amount", "amount_aud": 2500000 }, "Basic": { "stated": "$1,000,000", "kind": "amount", "amount_aud": 1000000 } }, "evidence": { "row": "17 Personal Liability No $5,000,000 $2,500,000 $1,000,000" }, "citation": { "quote": "Personal Liability", "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=4", "page": 4, "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28", "confirmed": "2026-11-05", "cells": [ "No", "$5,000,000", "$2,500,000", "$1,000,000" ] }, "excess_applies": false } ] } ], "rows_withheld_for_review": [ { "page": "lines 115-144", "proposed_benefit": "Disability", "line": "15* Disability No $30,000 †", "problems": [ "too few of the plan columns carry a value" ] } ], "how_it_was_read": "The PDS rendered with its page columns preserved, then the grid reconstructed: a column has to carry values on several rows to count as a column, plan names come from the header words over each column, and every row keeps the line it was read from. A row that could not be read confidently is in `review`, not in `benefits`." }