{
 "generated_at": "2026-11-06T03:28:46Z",
 "brand_slug": "tick",
 "brand": "Tick Travel Insurance",
 "site": "https://www.tickinsurance.com.au/",
 "product": "Overseas travel policy wording",
 "page": "https://deepalmanac.com/au/insurance/travel/brands/tick/",
 "insurer": {
  "name": "Mitsui Sumitomo Insurance Company Limited",
  "legal_name": "Mitsui Sumitomo Insurance Company Limited",
  "abn": "49000525637",
  "afs_licence_number": "240816",
  "footing": "company",
  "register": {
   "outcome": "apra_authorised",
   "apra_status": "authorised",
   "matched_on": "afs_licence_number",
   "asic_licensee": "MITSUI SUMITOMO INSURANCE COMPANY, LIMITED",
   "note": null
  },
  "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
  "citation": {
   "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
   "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=3",
   "page": 3,
   "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
   "confirmed": "2026-11-05"
  }
 },
 "sold_by": {
  "name": "Europ Assistance Australia Pty Ltd",
  "basis": "binding_authority"
 },
 "documents": {
  "pds": {
   "kind": "pds",
   "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
   "label": "Tick Overseas Travel policy wording, July 2024",
   "status": "ok",
   "http_status": 200,
   "words": 26002,
   "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
   "bytes_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
   "retrieved_at": "2026-11-04T23:17:31Z"
  },
  "tmd": {
   "kind": "tmd",
   "url": "https://www.tickinsurance.com.au/sites/default/files/2026-03/TK_ST_TMD_20260401.pdf",
   "label": "Tick Single Trip Target Market Determination, 1 April 2026",
   "status": "ok",
   "http_status": 200,
   "words": 2069,
   "content_sha256": "303446151edfdc3492789703467eed814c38e9f8cd96244fd6710e5ae4e6c09c",
   "bytes_sha256": "2e2b13cb4c973b52dd8f9bb8b71f42b75492e4cb9c10a6c720e320b04bf68368",
   "retrieved_at": "2026-11-04T23:17:32Z"
  }
 },
 "application": {
  "cooling_off_days": 14,
  "cooling_off_quote": "If you cancel after this 14 day period, provided that you have not made a claim or exercised any other rights under the policy, we will refund you a proportion of the premium for the outstanding period of cover less any government charges and taxes that we cannot recover",
  "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": null,
  "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": "tick",
   "plan_slug": "basic",
   "brand": "Tick Travel Insurance",
   "site": "https://www.tickinsurance.com.au/",
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "Basic",
   "varies_by": "plan",
   "benefits_read": 16,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "Unlimited",
     "citation": {
      "quote": "Medical treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    "cancellation": {
     "kind": "no_cover",
     "amount_aud": 0,
     "stated": "Nil",
     "citation": {
      "quote": "A Cancelling your trip before departure",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "$5,000",
       "$5,000",
       "$20,000",
       "$200"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
   "labels": [
    "single-trip",
    "overseas",
    "return-trips-only",
    "cruise-not-covered",
    "age-to-69",
    "overseas-42-days",
    "pre-existing-not-covered"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip that starts and ends in Australia; travel within Australia is not covered.",
     "The longest trip is 42 days.",
     "It cannot be bought for the Worldwide Including plan, needed if you spend more than 48 hours in North or South America.",
     "Travel on a commercial cruise ship is not covered.",
     "You must be 69 or younger when you apply.",
     "Pre-existing medical conditions are not covered."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377"
   },
   "pre_existing_conditions": {
    "treatment": "not_covered",
    "in_words": "not covered",
    "labels": [
     "pre-existing-not-covered"
    ],
    "line": "Pre-existing medical conditions are not covered.",
    "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": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/tick/basic/"
  },
  {
   "brand_slug": "tick",
   "plan_slug": "budget",
   "brand": "Tick Travel Insurance",
   "site": "https://www.tickinsurance.com.au/",
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "Budget",
   "varies_by": "plan",
   "benefits_read": 16,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "Unlimited",
     "citation": {
      "quote": "Medical treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    "cancellation": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000",
     "citation": {
      "quote": "A Cancelling your trip before departure",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "$5,000",
       "$5,000",
       "$20,000",
       "$200"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
   "labels": [
    "single-trip",
    "overseas",
    "return-trips-only",
    "cruise-not-covered",
    "age-to-79",
    "overseas-365-days",
    "pre-existing-not-covered"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip that starts and ends in Australia; travel within Australia is not covered.",
     "The longest trip is 365 days if you are 64 or under, or 90 days if you are 65 or over; trips to the Pacific only are limited to 42 days.",
     "It cannot be bought for the Worldwide Including plan, needed if you spend more than 48 hours in North or South America.",
     "Travel on a commercial cruise ship is not covered.",
     "You must be 79 or younger when you apply.",
     "Pre-existing medical conditions are not covered."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377"
   },
   "pre_existing_conditions": {
    "treatment": "not_covered",
    "in_words": "not covered",
    "labels": [
     "pre-existing-not-covered"
    ],
    "line": "Pre-existing medical conditions are not covered.",
    "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": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/tick/budget/"
  },
  {
   "brand_slug": "tick",
   "plan_slug": "standard",
   "brand": "Tick Travel Insurance",
   "site": "https://www.tickinsurance.com.au/",
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "Standard",
   "varies_by": "plan",
   "benefits_read": 16,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "Unlimited",
     "citation": {
      "quote": "Medical treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    "cancellation": {
     "kind": "amount",
     "amount_aud": 5000,
     "stated": "$5,000",
     "citation": {
      "quote": "A Cancelling your trip before departure",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "$5,000",
       "$5,000",
       "$20,000",
       "$200"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
   "labels": [
    "single-trip",
    "overseas",
    "return-trips-only",
    "cruise-not-covered",
    "age-to-100",
    "overseas-365-days",
    "pre-existing-if-approved"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip that starts and ends in Australia; travel within Australia is not covered.",
     "The longest trip is 365 days if you are 64 or under, or 90 days if you are 65 or over (35 days if you are 80 or over and choose the Worldwide Including plan); trips to the Pacific only are limited to 42 days.",
     "Travel on a commercial cruise ship is not covered.",
     "You must be 100 or younger when you apply.",
     "Pre-existing medical conditions are not covered unless you tell the insurer about them and it accepts them."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377"
   },
   "pre_existing_conditions": {
    "treatment": "if_approved",
    "in_words": "only if approved",
    "labels": [
     "pre-existing-if-approved"
    ],
    "line": "Pre-existing medical conditions are not covered unless you tell the insurer about them and it accepts them.",
    "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": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/tick/standard/"
  },
  {
   "brand_slug": "tick",
   "plan_slug": "top",
   "brand": "Tick Travel Insurance",
   "site": "https://www.tickinsurance.com.au/",
   "insurer": "Mitsui Sumitomo Insurance Company Limited",
   "insurer_footing": "company",
   "product": "All plans",
   "plan": "Top",
   "varies_by": "plan",
   "benefits_read": 16,
   "plan_names_read_from_document": true,
   "benefit_names_unreliable": true,
   "cooling_off_days": 14,
   "limits": {
    "overseas_medical": {
     "kind": "unlimited",
     "amount_aud": null,
     "stated": "Unlimited",
     "citation": {
      "quote": "Medical treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    "cancellation": {
     "kind": "amount",
     "amount_aud": 20000,
     "stated": "$20,000",
     "citation": {
      "quote": "A Cancelling your trip before departure",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "$5,000",
       "$5,000",
       "$20,000",
       "$200"
      ]
     }
    }
   },
   "implausible": null,
   "excess_applies": null,
   "document": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
   "labels": [
    "single-trip",
    "overseas",
    "return-trips-only",
    "cruise-not-covered",
    "age-to-100",
    "overseas-365-days",
    "pre-existing-if-approved"
   ],
   "conditions": {
    "lines": [
     "Covers one overseas trip that starts and ends in Australia; travel within Australia is not covered.",
     "The longest trip is 365 days if you are 64 or under, or 90 days if you are 65 or over (35 days if you are 80 or over and choose the Worldwide Including plan); trips to the Pacific only are limited to 42 days.",
     "Travel on a commercial cruise ship is not covered.",
     "You must be 100 or younger when you apply.",
     "Pre-existing medical conditions are not covered unless you tell the insurer about them and it accepts them."
    ],
    "written_on": "2026-10-15",
    "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377"
   },
   "pre_existing_conditions": {
    "treatment": "if_approved",
    "in_words": "only if approved",
    "labels": [
     "pre-existing-if-approved"
    ],
    "line": "Pre-existing medical conditions are not covered unless you tell the insurer about them and it accepts them.",
    "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": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
    "automatically_covered": null
   },
   "page": "https://deepalmanac.com/au/insurance/travel/brands/tick/top/"
  }
 ],
 "benefit_tables": [
  {
   "group": "All plans",
   "label_quality": {
    "benefits": 16,
    "names_that_look_fragmentary": 1,
    "note": "A benefit's name can wrap across lines in these documents. Where the wrap is not separated cleanly a name arrives as a fragment of its own row joined to part of the next. The limits are still read from the right row; it is the name that is unreliable, so a high count here means this brand's benefit names should not be compared across brands yet."
   },
   "plans_without_a_readable_name": null,
   "plan_name_mismatch": null,
   "plan_axis": "plan",
   "plans": [
    {
     "plan": "Basic",
     "trip_type": null
    },
    {
     "plan": "Budget",
     "trip_type": null
    },
    {
     "plan": "Standard",
     "trip_type": null
    },
    {
     "plan": "Top",
     "trip_type": null
    }
   ],
   "plan_names": [
    "Basic",
    "Budget",
    "Standard",
    "Top"
   ],
   "coverage": {
    "benefits": 16,
    "cells": 60,
    "cells_possible": 64
   },
   "benefits": [
    {
     "benefit": "cancellation",
     "benefit_as_printed": "A Cancelling your trip before departure",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Budget": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Standard": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Top": {
       "stated": "$20,000",
       "kind": "amount",
       "amount_aud": 20000
      }
     },
     "evidence": {
      "row": "A      Cancelling your trip before departure         Nil              $5,000            $5,000            $20,000             $200"
     },
     "citation": {
      "quote": "A Cancelling your trip before departure",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "$5,000",
       "$5,000",
       "$20,000",
       "$200"
      ]
     }
    },
    {
     "benefit": "B1",
     "benefit_as_printed": "B1",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Budget": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Standard": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Top": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "B1                                                    Unlimited          Unlimited       Unlimited        Unlimited           $200"
     },
     "citation": {
      "quote": "B1",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "$200"
      ]
     }
    },
    {
     "benefit": "overseas_medical",
     "benefit_as_printed": "Medical treatment",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Budget": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Standard": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Top": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Medical treatment                             Unlimited          Unlimited       Unlimited         Unlimited"
     },
     "citation": {
      "quote": "Medical treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "benefit": "Surgical treatment",
     "benefit_as_printed": "Surgical treatment",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Budget": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Standard": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Top": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Surgical treatment                            Unlimited          Unlimited       Unlimited         Unlimited"
     },
     "citation": {
      "quote": "Surgical treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "benefit": "Hospital treatment",
     "benefit_as_printed": "Hospital treatment",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Budget": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Standard": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Top": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Hospital treatment                            Unlimited          Unlimited       Unlimited         Unlimited"
     },
     "citation": {
      "quote": "Hospital treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "benefit": "Repatriation",
     "benefit_as_printed": "Repatriation",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Budget": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Standard": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Top": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Repatriation                                  Unlimited          Unlimited       Unlimited         Unlimited"
     },
     "citation": {
      "quote": "Repatriation",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "benefit": "Ambulance costs",
     "benefit_as_printed": "Ambulance costs",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Budget": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Standard": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Top": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Ambulance costs                               Unlimited          Unlimited       Unlimited         Unlimited"
     },
     "citation": {
      "quote": "Ambulance costs",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "benefit": "Complications of pregnancy",
     "benefit_as_printed": "Complications of pregnancy",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Budget": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Standard": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      },
      "Top": {
       "stated": "Unlimited",
       "kind": "unlimited",
       "amount_aud": null
      }
     },
     "evidence": {
      "row": "Complications of pregnancy                    Unlimited          Unlimited       Unlimited         Unlimited"
     },
     "citation": {
      "quote": "Complications of pregnancy",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "benefit": "overseas_dental_emergency",
     "benefit_as_printed": "Dental treatment",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "Budget": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "Standard": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      },
      "Top": {
       "stated": "$500",
       "kind": "amount",
       "amount_aud": 500
      }
     },
     "evidence": {
      "row": "Dental treatment                              $500               $500            $500              $500"
     },
     "citation": {
      "quote": "Dental treatment",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$500",
       "$500",
       "$500"
      ]
     }
    },
    {
     "benefit": "return_of_remains",
     "benefit_as_printed": "Return of body or ashes to Australia",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      },
      "Budget": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      },
      "Standard": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      },
      "Top": {
       "stated": "$50,000",
       "kind": "amount",
       "amount_aud": 50000
      }
     },
     "evidence": {
      "row": "Return of body or ashes to Australia          $50,000            $50,000         $50,000           $50,000"
     },
     "citation": {
      "quote": "Return of body or ashes to Australia",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "$50,000",
       "$50,000",
       "$50,000",
       "$50,000"
      ]
     }
    },
    {
     "benefit": "Funeral or burial expenses outside of",
     "benefit_as_printed": "Funeral or burial expenses outside of",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Budget": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Standard": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Top": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      }
     },
     "evidence": {
      "row": "$10,000            $10,000         $10,000           $10,000"
     },
     "citation": {
      "quote": "Funeral or burial expenses outside of",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$10,000",
       "$10,000",
       "$10,000"
      ]
     }
    },
    {
     "benefit": "hospital_incidentals",
     "benefit_as_printed": "B2 Hospital cash allowance",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Budget": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      }
     },
     "evidence": {
      "row": "B2     Hospital cash allowance                       Nil                Nil                                                     Nil"
     },
     "citation": {
      "quote": "B2 Hospital cash allowance",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "Nil",
       "Nil"
      ]
     }
    },
    {
     "benefit": "on pages 21-23 prior to purchase",
     "benefit_as_printed": "on pages 21-23 prior to purchase",
     "page": "lines 806-836",
     "limits": {
      "Standard": {
       "stated": "$1,500",
       "kind": "amount",
       "amount_aud": 1500
      },
      "Top": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "on pages 21-23 prior to purchase."
     },
     "citation": {
      "quote": "on pages 21-23 prior to purchase.",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500",
       "$3,000"
      ]
     }
    },
    {
     "benefit": "C1 Cutting your trip short",
     "benefit_as_printed": "C1 Cutting your trip short",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Budget": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Standard": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Top": {
       "stated": "$15,000",
       "kind": "amount",
       "amount_aud": 15000
      }
     },
     "evidence": {
      "row": "C1     Cutting your trip short                       Nil                Nil             $5,000            $15,000              $200"
     },
     "citation": {
      "quote": "C1 Cutting your trip short",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "Nil",
       "$5,000",
       "$15,000",
       "$200"
      ]
     }
    },
    {
     "benefit": "additional_expenses",
     "benefit_as_printed": "C2 Additional emergency expenses",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Budget": {
       "stated": "$5,000",
       "kind": "amount",
       "amount_aud": 5000
      },
      "Standard": {
       "stated": "$10,000",
       "kind": "amount",
       "amount_aud": 10000
      },
      "Top": {
       "stated": "$20,000",
       "kind": "amount",
       "amount_aud": 20000
      }
     },
     "evidence": {
      "row": "C2     Additional emergency expenses                 $5,000             $5,000          $10,000           $20,000              $200"
     },
     "citation": {
      "quote": "C2 Additional emergency expenses",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$5,000",
       "$10,000",
       "$20,000",
       "$200"
      ]
     }
    },
    {
     "benefit": "resumption_of_journey",
     "benefit_as_printed": "C3 Resumption of journey",
     "page": "lines 806-836",
     "limits": {
      "Basic": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Budget": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Standard": {
       "stated": "Nil",
       "kind": "no_cover",
       "amount_aud": 0
      },
      "Top": {
       "stated": "$3,000",
       "kind": "amount",
       "amount_aud": 3000
      }
     },
     "evidence": {
      "row": "C3     Resumption of journey                         Nil                Nil             Nil               $3,000               $200"
     },
     "citation": {
      "quote": "C3 Resumption of journey",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=13",
      "page": 13,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil",
       "Nil",
       "Nil",
       "$3,000",
       "$200"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [],
 "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`."
}