{
 "generated_at": "2026-11-06T03:56:51Z",
 "source": "Read from each issuer's own complimentary insurance document. The documents are the insurers' and the issuers' copyright; only the sentence each fact was read from is reproduced.",
 "what_this_is": "A bank does not sell this insurance; it buys one policy and names its cardholders as the people who may claim on it. The cardholder is a third party beneficiary of a group policy the bank owns, not a policyholder, which is why these documents are called Policy Information Booklets rather than Product Disclosure Statements and why there is no cooling-off period and no premium. Some issuers have begun moving the same cover onto a Product Disclosure Statement instead; where that has happened the document says so and it is recorded.",
 "why_it_belongs_in_this_dataset": "A traveller asking what travel insurance to buy may already hold some. It is not interchangeable with a retail policy: in every programme read here, cover has to be earned by charging part of the trip to the card, it runs out after a stated number of months, and it stops at a stated age. An agent that cannot see those three gates will tell someone they are covered when they are not.",
 "at_a_glance": {
  "note": "One row per programme, from the same reading as programmes[] below and cards/<slug>.json. null means not stated or not labelled yet, not no. longest_overseas_trip, overseas_trip_limits, maximum_age and pre_existing_conditions come from the conditions labelled by hand from each governing document. Where a programme has more than one trip limit, they belong to different cards in it, and conditions.lines in its url says which card gets which. must_charge_to_card is what has to be paid with the card before leaving for the cover to exist.",
  "rows": [
   {
    "programme_slug": "anz-platinum-black",
    "issuer": "ANZ",
    "programme": "ANZ Platinum and Black personal credit cards complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $250 of the trip",
    "longest_overseas_trip": "6 months",
    "overseas_trip_limits": [
     "6 months",
     "3 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "only if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/anz-platinum-black.json"
   },
   {
    "programme_slug": "anz-first",
    "issuer": "ANZ",
    "programme": "ANZ First credit card complimentary insurance",
    "overseas_travel_cover": false,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": null,
    "longest_overseas_trip": null,
    "overseas_trip_limits": null,
    "maximum_age": null,
    "pre_existing_conditions": null,
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/anz-first.json"
   },
   {
    "programme_slug": "nab-card-insurance",
    "issuer": "NAB",
    "programme": "NAB card insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "6 months",
    "overseas_trip_limits": [
     "6 months",
     "30 days"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "only if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/nab-card-insurance.json"
   },
   {
    "programme_slug": "westpac-cards",
    "issuer": "Westpac",
    "programme": "Westpac credit card complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "3 months",
    "overseas_trip_limits": [
     "3 months",
     "1 month"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/westpac-cards.json"
   },
   {
    "programme_slug": "stgeorge-cards",
    "issuer": "St.George",
    "programme": "St.George credit cards complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "6 months",
    "overseas_trip_limits": [
     "6 months",
     "3 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "some named conditions automatically; others if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/stgeorge-cards.json"
   },
   {
    "programme_slug": "cba-premium-cards",
    "issuer": "CommBank",
    "programme": "CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards)",
    "overseas_travel_cover": true,
    "insurer": "Zurich Australian Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "12 months",
    "overseas_trip_limits": [
     "12 months",
     "3 months"
    ],
    "maximum_age": 79,
    "pre_existing_conditions": "some named conditions automatically; others if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/cba-premium-cards.json"
   },
   {
    "programme_slug": "cba-standard-cards",
    "issuer": "CommBank",
    "programme": "CommBank credit card insurances (Low Rate, Low Fee, Awards Standard and Essentials cards)",
    "overseas_travel_cover": false,
    "insurer": "Zurich Australian Insurance Limited",
    "must_charge_to_card": null,
    "longest_overseas_trip": null,
    "overseas_trip_limits": null,
    "maximum_age": null,
    "pre_existing_conditions": null,
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/cba-standard-cards.json"
   },
   {
    "programme_slug": "bankwest-cards",
    "issuer": "Bankwest",
    "programme": "Bankwest credit card insurance",
    "overseas_travel_cover": true,
    "insurer": "Zurich Australian Insurance Limited",
    "must_charge_to_card": null,
    "longest_overseas_trip": "183 days",
    "overseas_trip_limits": [
     "183 days",
     "31 days"
    ],
    "maximum_age": 79,
    "pre_existing_conditions": "some named conditions automatically; others if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/bankwest-cards.json"
   },
   {
    "programme_slug": "macquarie-black",
    "issuer": "Macquarie",
    "programme": "Macquarie Black credit card insurance",
    "overseas_travel_cover": true,
    "insurer": "Chubb Insurance Australia Limited",
    "must_charge_to_card": "the whole outbound fare",
    "longest_overseas_trip": "90 days",
    "overseas_trip_limits": [
     "90 days"
    ],
    "maximum_age": 85,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/macquarie-black.json"
   },
   {
    "programme_slug": "macquarie-platinum",
    "issuer": "Macquarie",
    "programme": "Macquarie Platinum credit card insurance",
    "overseas_travel_cover": true,
    "insurer": "Chubb Insurance Australia Limited",
    "must_charge_to_card": "the whole outbound fare",
    "longest_overseas_trip": "90 days",
    "overseas_trip_limits": [
     "90 days"
    ],
    "maximum_age": 85,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/macquarie-platinum.json"
   },
   {
    "programme_slug": "amex-platinum",
    "issuer": "American Express",
    "programme": "American Express Platinum Card insurance",
    "overseas_travel_cover": true,
    "insurer": "Chubb Insurance Australia Limited",
    "must_charge_to_card": "the whole outbound fare",
    "longest_overseas_trip": "180 days",
    "overseas_trip_limits": [
     "180 days"
    ],
    "maximum_age": 79,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/amex-platinum.json"
   },
   {
    "programme_slug": "hsbc-cards",
    "issuer": "HSBC",
    "programme": "HSBC personal cards complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "4 months",
    "overseas_trip_limits": [
     "4 months"
    ],
    "maximum_age": null,
    "pre_existing_conditions": "only if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/hsbc-cards.json"
   },
   {
    "programme_slug": "mycard-cards",
    "issuer": "MyCard",
    "programme": "MyCard credit cards complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "6 months",
    "overseas_trip_limits": [
     "6 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "only if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/mycard-cards.json"
   },
   {
    "programme_slug": "bendigo-cards",
    "issuer": "Bendigo Bank",
    "programme": "Bendigo credit card insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "3 months",
    "overseas_trip_limits": [
     "3 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/bendigo-cards.json"
   },
   {
    "programme_slug": "great-southern-bank-cards",
    "issuer": "Great Southern Bank",
    "programme": "Great Southern Bank platinum credit cards complimentary insurances",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "4 months",
    "overseas_trip_limits": [
     "4 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/great-southern-bank-cards.json"
   },
   {
    "programme_slug": "boq-cards",
    "issuer": "Bank of Queensland",
    "programme": "BOQ credit cards complimentary insurance",
    "overseas_travel_cover": false,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": null,
    "longest_overseas_trip": null,
    "overseas_trip_limits": null,
    "maximum_age": null,
    "pre_existing_conditions": null,
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/boq-cards.json"
   },
   {
    "programme_slug": "bank-of-melbourne-cards",
    "issuer": "Bank of Melbourne",
    "programme": "Bank of Melbourne credit card complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "6 months",
    "overseas_trip_limits": [
     "6 months",
     "3 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "some named conditions automatically; others if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/bank-of-melbourne-cards.json"
   },
   {
    "programme_slug": "banksa-cards",
    "issuer": "BankSA",
    "programme": "BankSA credit cards complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "6 months",
    "overseas_trip_limits": [
     "6 months",
     "3 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "some named conditions automatically; others if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/banksa-cards.json"
   },
   {
    "programme_slug": "virgin-money-cards",
    "issuer": "Virgin Money",
    "programme": "Virgin Money credit cards complimentary insurance",
    "overseas_travel_cover": true,
    "insurer": "Allianz Australia Insurance Limited",
    "must_charge_to_card": "at least $500 of the trip",
    "longest_overseas_trip": "6 months",
    "overseas_trip_limits": [
     "6 months"
    ],
    "maximum_age": 80,
    "pre_existing_conditions": "only if approved",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/virgin-money-cards.json"
   },
   {
    "programme_slug": "qantas-money-platinum",
    "issuer": "Qantas Money",
    "programme": "Qantas Money Platinum and Everyday credit card travel insurance",
    "overseas_travel_cover": true,
    "insurer": "Chubb Insurance Australia Limited",
    "must_charge_to_card": "the whole outbound fare",
    "longest_overseas_trip": "30 days",
    "overseas_trip_limits": [
     "30 days"
    ],
    "maximum_age": 79,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/qantas-money-platinum.json"
   },
   {
    "programme_slug": "qantas-money-titanium",
    "issuer": "Qantas Money",
    "programme": "Qantas Money Titanium credit card insurance",
    "overseas_travel_cover": true,
    "insurer": "Chubb Insurance Australia Limited",
    "must_charge_to_card": "the whole outbound fare",
    "longest_overseas_trip": "180 days",
    "overseas_trip_limits": [
     "180 days"
    ],
    "maximum_age": 79,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/qantas-money-titanium.json"
   },
   {
    "programme_slug": "pn-bank-cards",
    "issuer": "P&N Bank",
    "programme": "P&N Bank Visa Platinum credit card insurance",
    "overseas_travel_cover": true,
    "insurer": "Chubb Insurance Australia Limited",
    "must_charge_to_card": "the whole outbound fare",
    "longest_overseas_trip": "180 days",
    "overseas_trip_limits": [
     "180 days"
    ],
    "maximum_age": 79,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/pn-bank-cards.json"
   },
   {
    "programme_slug": "beyond-bank-cards",
    "issuer": "Beyond Bank",
    "programme": "Beyond Bank Visa Platinum credit card insurance",
    "overseas_travel_cover": true,
    "insurer": "Chubb Insurance Australia Limited",
    "must_charge_to_card": "the whole outbound fare",
    "longest_overseas_trip": "180 days",
    "overseas_trip_limits": [
     "180 days"
    ],
    "maximum_age": 79,
    "pre_existing_conditions": "not covered",
    "url": "https://deepalmanac.com/au/insurance/travel/v1/cards/beyond-bank-cards.json"
   }
  ]
 },
 "not_read_and_why": {
  "premium": "There is none. The cover is included with the card, so there is no price to collect and no quote to get. The card's annual fee is the price of the card, not of the insurance, and is not collected here: it is a credit product fee, published in the card's own terms, and quoting it beside an insurance limit would invite the comparison that it is a premium.",
  "eligible_card_list": "Read where the document prints one under its own heading. Several issuers describe eligible cards as 'Level 1' and 'Level 2' and define those lists elsewhere, so a card absent from this data is not a card without cover.",
  "claims_experience": "No issuer or insurer publishes claim acceptance rates for complimentary card cover, and AFCA's published datacube does not separate it."
 },
 "not_collected": {
  "issuers_known_to_offer_it_but_not_read": "Suncorp Bank's programme ended with the card: its own page says the arrangement with NAB, the issuer of Suncorp Clear Options credit cards, ended on 24 November 2025, cardholders were moved to a NAB MyCard, and Suncorp Bank is now part of the ANZ group. Two Suncorp booklets are still reachable on the web but neither is linked from any live page, so neither is pinned here. Beyond that: ING, Westpac's business range, the corporate and business cards of every issuer below, and a long tail of mutuals. The programmes above are the ones a person has read; they are a floor, not a census, and a card absent from this file is not a card without cover.",
  "business_and_corporate_cards": "Most issuers publish a separate booklet for business and corporate cards, usually with different limits and a different eligibility test. None is read: the dataset is for a person going on holiday.",
  "debit_and_travel_money_cards": "Several issuers attach insurance to a platinum debit card or a prepaid travel money card. Not read, for the same reason.",
  "annual_fees": "A card's annual fee is published in the card's own terms, not in the insurance document, and is not collected. See not_read_and_why.premium.",
  "why_two_programmes_carry_no_travel_cover": "ANZ First, CommBank's standard-card booklet and BOQ's current booklet are read even though they carry no travel insurance, because each sits beside a booklet from the same issuer that does, or -- in BOQ's case -- because the product page still advertises cover the booklet no longer contains. A reader who assumes every card in a range is covered gets this wrong, so the negative is published rather than left out."
 },
 "copyright": "These documents are the insurers' and the issuers' copyright. The extracted text is cached under data/au-travel-insurance/pds-cache/ and gitignored; only the short sentence each published fact was read from is committed, which is what makes the fact checkable.",
 "rules": {
  "card.insurer.labelled": {
   "fact": "insurer",
   "description": "A heading or phrase that names the risk carrier outright - 'THE INSURER IS', 'The Group Policy insurer is', 'about the insurer, X' - followed by a company name and its ABN or AFS licence number. These booklets name several Allianz and Zurich companies in the same page, so a heading that says which one is the insurer outranks every phrase-based rule.",
   "source": "scripts/au_travel_insurance_cards.py:find_insurer"
  },
  "card.insurer.declared": {
   "fact": "insurer",
   "description": "A sentence declaring who carries the risk that also carries an ABN or an AFS licence number, read by the same rule the retail Product Disclosure Statements are read with.",
   "source": "scripts/au_travel_insurance_terms.py:find_issuer"
  },
  "card.insurer.underwritten": {
   "fact": "insurer",
   "description": "A sentence saying outright who underwrites or insures the cover, where no sentence names an insurer beside an ABN or an AFS licence number. Weaker evidence than the rules above, and recorded as such: the licence number is what usually distinguishes the carrier from its agent, and this rule has to do without it.",
   "source": "scripts/au_travel_insurance_cards.py:find_insurer"
  },
  "card.insurer.lloyds": {
   "fact": "insurer",
   "description": "A sentence naming Lloyd's underwriters as the risk carrier. Lloyd's syndicates have no Australian ABN of their own, so the identifier test cannot apply and the regulatory footing is recorded as lloyds rather than as an APRA-authorised company.",
   "source": "scripts/au_travel_insurance_terms.py:find_lloyds_issuer"
  },
  "card.insurer.absent": {
   "fact": "insurer",
   "description": "A negative finding: the document was read in full and no sentence names the insurer with an identifier. The evidence is the document, not a quote from it.",
   "source": "scripts/au_travel_insurance_cards.py:read_document"
  },
  "card.manager.labelled": {
   "fact": "group_policy_manager",
   "description": "The company a document says issues and manages the group policy for the insurer. It is not the insurer: it holds a binder, answers the phone and settles the claims, and it is who a cardholder actually deals with.",
   "source": "scripts/au_travel_insurance_cards.py:find_manager"
  },
  "card.policy_owner.declared": {
   "fact": "policy_owner",
   "description": "The entity a document says owns the policy. In a group policy arrangement that is the bank, which is the fact that explains why the cardholder has no policy of their own.",
   "source": "scripts/au_travel_insurance_cards.py:find_policy_owner"
  },
  "card.cover_basis.beneficiary": {
   "fact": "cover_basis",
   "description": "A sentence putting the cardholder's standing on section 48 of the Insurance Contracts Act 1984, or calling them a third party beneficiary of the group policy.",
   "source": "scripts/au_travel_insurance_cards.py:find_cover_basis"
  },
  "card.cover_basis.pds": {
   "fact": "cover_basis",
   "description": "The document calls itself a Product Disclosure Statement and no sentence makes the cardholder a beneficiary of someone else's policy, so the cover is issued to the cardholder rather than to the bank.",
   "source": "scripts/au_travel_insurance_cards.py:find_cover_basis"
  },
  "card.effective_date.labelled": {
   "fact": "effective_date",
   "description": "A line of the document's own title block reading 'Effective 15 May 2026' or 'Effective date: 1 March 2023'. Matched only where it stands as a line of its own: several of these files open with a notice of change whose prose names the effective date of the version that replaces them, and a mid-sentence match publishes that date instead.",
   "source": "scripts/au_travel_insurance_cards.py:find_effective_date"
  },
  "card.effective_date.applies_from": {
   "fact": "effective_date",
   "description": "A sentence saying which events the booklet covers - 'cover applies to events occurring on or after 7 June 2024' - used where the title block carries no effective date.",
   "source": "scripts/au_travel_insurance_cards.py:find_effective_date"
  },
  "card.charge_requirement.minimum": {
   "fact": "charge_requirement",
   "description": "The amount of the trip that must be charged to the card before leaving Australia for cover to exist at all. Where a document states one figure for overseas travel and another for domestic, the overseas figure is taken and the sentence naming it is the quote.",
   "source": "scripts/au_travel_insurance_cards.py:find_charge_requirement"
  },
  "card.charge_requirement.full_fare": {
   "fact": "charge_requirement",
   "description": "A document that sets no dollar floor but requires the whole outbound fare for the trip to be charged to the card. Stricter than a minimum, not looser: a traveller who put only part of the airfare on the card has no cover at all. Read only where the sentence is about overseas travel, because the same documents set a dollar figure for a domestic trip and the full fare for an overseas one.",
   "source": "scripts/au_travel_insurance_cards.py:find_charge_requirement"
  },
  "card.charge_requirement.entire_cost": {
   "fact": "charge_requirement",
   "description": "A document that sets no dollar figure but requires the whole cost of the travel to be charged to the card. A stricter test than a minimum, not a looser one.",
   "source": "scripts/au_travel_insurance_cards.py:find_charge_requirement"
  },
  "card.return_ticket.required": {
   "fact": "return_ticket",
   "description": "A sentence requiring a return travel ticket to be held before leaving Australia. A one-way traveller is not covered by a programme that says this.",
   "source": "scripts/au_travel_insurance_cards.py:find_return_ticket"
  },
  "card.residency.required": {
   "fact": "residency",
   "description": "A sentence requiring the traveller to reside in Australia or hold a visa entitling them to residency.",
   "source": "scripts/au_travel_insurance_cards.py:find_residency"
  },
  "card.age_limit.heading": {
   "fact": "age_limit",
   "description": "A heading that scopes the whole cover - \"International Travel Insurance (for people aged under 81 years)\" - which states the limit outright and is preferred over every other mention of an age.",
   "source": "scripts/au_travel_insurance_cards.py:find_age_limit"
  },
  "card.age_limit.criterion": {
   "fact": "age_limit",
   "description": "The eligibility criterion addressed to the reader: \"you are aged under 81 years at the time you become eligible\". Second in precedence to a heading and ahead of counting the ages a document mentions.",
   "source": "scripts/au_travel_insurance_cards.py:find_age_limit"
  },
  "card.age_limit.or_younger": {
   "fact": "age_limit",
   "description": "\"79 years of age or younger\" or \"under 80 years of age\", which is how the Chubb-underwritten programmes state it. Note which number each names: the first is the oldest age still covered, the second the first age that is not. Ages below 60 are ignored, which is what keeps a rental driver's lower bound of 21 out of the traveller's age limit.",
   "source": "scripts/au_travel_insurance_cards.py:find_age_limit"
  },
  "card.age_limit.stated": {
   "fact": "age_limit",
   "description": "The age at which the cover stops being available, from a sentence or heading stating it. These documents also state ages for dependants and students; only a limit of 60 years or more is read as the traveller's age limit, and two different limits of 60 or more in one document are withheld for review rather than guessed between.",
   "source": "scripts/au_travel_insurance_cards.py:find_age_limit"
  },
  "card.period_of_cover.stated": {
   "fact": "period_of_cover",
   "description": "The maximum length of one journey the cover runs for, read from the period of cover section, with the card tier each length applies to. Read only from that section: the same documents state other periods for a delayed return and for an extension, and those are not the limit on a journey.",
   "source": "scripts/au_travel_insurance_cards.py:find_period_of_cover"
  },
  "card.period_of_cover.trip_definition": {
   "fact": "period_of_cover",
   "description": "The cap on one journey taken from the definition of a trip, which ends \"when Your Trip exceeds ninety (90) consecutive days\". Used where a document has no period-of-cover section, which is every Chubb-underwritten programme read.",
   "source": "scripts/au_travel_insurance_cards.py:find_period_of_cover"
  },
  "card.activation.required": {
   "fact": "activation",
   "description": "A sentence requiring the cardholder to take a step to start the cover, beyond charging the trip to the card. The sentence has to mention the cover as well as the activation, so activating a card is not read as activating an insurance policy.",
   "source": "scripts/au_travel_insurance_cards.py:find_activation"
  },
  "card.pre_existing.stated": {
   "fact": "pre_existing_conditions",
   "description": "What the document says about a condition the traveller already has, whether it calls it pre-existing or existing. Classified only as far as the sentence supports: some listed conditions covered automatically (automatic_for_listed), excluded, excluded unless the insurer approves it, or addressed in terms that need reading in full. Where a person has written out the list itself, it is published under automatically_covered with a citation for each condition and criterion.",
   "source": "scripts/au_travel_insurance_cards.py:find_pre_existing"
  },
  "card.travel_cover.headings": {
   "fact": "travel_cover",
   "description": "A heading naming a travel cover, which settles whether the document carries one and whether it reaches outside Australia.",
   "source": "scripts/au_travel_insurance_cards.py:find_travel_cover"
  },
  "card.travel_cover.overseas_medical": {
   "fact": "travel_cover",
   "description": "A document that organises itself without cover headings, but states a benefit for overseas medical expenses at least twice. No travel policy omits that benefit and no booklet of purchase protection carries it, so it stands in for the heading.",
   "source": "scripts/au_travel_insurance_cards.py:find_travel_cover"
  },
  "card.travel_cover.absent": {
   "fact": "travel_cover",
   "description": "A negative finding from a full read: this document carries no travel cover at all. It is published rather than left absent because a card's booklet sitting beside one that does carry travel cover is exactly what misleads a reader.",
   "source": "scripts/au_travel_insurance_cards.py:find_travel_cover"
  },
  "card.read_by_hand": {
   "fact": "any",
   "description": "A fact a person read out of the document and recorded in cards.json, with the sentence they read it from. Used where the wording defeats a general rule: these documents state the same condition in a dozen shapes, and a rule loose enough to catch all of them also catches a dependant's age, a worked claim example and the age at which an upgrade may be bought. The quote is checked against the document on every run, so a hand-read fact cannot outlive the sentence it came from: when the document stops containing it, the fact is withheld and the run says so.",
   "source": "scripts/au_travel_insurance_cards.py:read_by_hand"
  },
  "card.withheld_by_hand": {
   "fact": "any",
   "description": "A fact a person decided this reader should not publish for one programme, with the reason. Used where a document distinguishes cases the data model does not -- an age limit that differs by cover section, or one that can be lifted by taking an extra step -- and where publishing any single value would be read as the whole answer.",
   "source": "scripts/au_travel_insurance_cards.py:read_by_hand"
  },
  "card.covers_offered.headings": {
   "fact": "covers_offered",
   "description": "Which insurances the document contains, from the headings it prints. A card programme is usually several policies in one booklet, and whether domestic travel or rental vehicle excess is among them is a question about this booklet rather than about the card.",
   "source": "scripts/au_travel_insurance_cards.py:find_covers_offered"
  },
  "card.limits.section_table": {
   "fact": "benefit_limits",
   "description": "The two-column Section/Limit table these booklets print under 'Part C - Benefit Limits', read by splitting each line at the column where the word Limit begins in the table's own header. The section number at the start of a row is the anchor, so a wrapped benefit name and a wrapped limit each rejoin the row they belong to. Where the rendering sets a name one space from its limit, the position of each word on the page settles where the name ends; the table ends at the heading after it, General exclusions among them.",
   "source": "scripts/au_travel_insurance_cards.py:read_section_tables"
  },
  "card.excesses.section_table": {
   "fact": "excesses",
   "description": "The Section/Excess table under 'Part D', read the same way as the limits table.",
   "source": "scripts/au_travel_insurance_cards.py:read_section_tables"
  },
  "card.limits.section_spread": {
   "fact": "benefit_limits",
   "description": "The same Section/Limit table printed in a booklet laid out as two pages side by side on each PDF page, a table on each half, read from the position of every word: each page is cut at the gutter no word crosses and each half read on its own, so the two tables are never merged row by row. A row is the band of text between two blank gaps and holds exactly one section number, which may sit level with the middle line of a wrapped name; a band with none or with two is recorded as not read.",
   "source": "scripts/au_travel_insurance_cards.py:read_spread_section_tables"
  },
  "card.excesses.section_spread": {
   "fact": "excesses",
   "description": "The Section/Excess table in the same booklets, read the same way.",
   "source": "scripts/au_travel_insurance_cards.py:read_spread_section_tables"
  },
  "card.limits.schedule_of_benefits": {
   "fact": "benefit_limits",
   "description": "The Schedule of Benefits the Chubb group policies print -- a column of covers, then one column for an overseas or international return trip and one for a domestic return trip -- read from the position of every word on the page. Columns are found under their own headings on each page, or carried from the page before where the headings are printed once. A limit is tied to the cover it sits level with; where a cell sits level with more than one cover, or a column divides into sub-columns (by person covered, or into per-person and all-travellers figures), or a cell is not centred under its heading, the cell is not published and the reason is recorded instead. The excess and age columns are merged down whole sections and are not read.",
   "source": "scripts/au_travel_insurance_cards.py:read_grid"
  },
  "card.limits.westpac_complimentary": {
   "fact": "benefit_limits",
   "description": "The table of benefits for Complimentary International Medical Travel Insurance in Westpac's Product Disclosure Statement: a Cardholder limit and a Cardholder & Spouse limit for each benefit, centred in their cells, read from the position of every word on the page. Read only on a page headed with that cover's name, because the same document prints the same grid for the Comprehensive International Travel Insurance a cardholder can buy.",
   "source": "scripts/au_travel_insurance_cards.py:read_grid"
  },
  "card.excesses.westpac_complimentary": {
   "fact": "excesses",
   "description": "The Benefit/Excess table for the same complimentary cover, read the same way.",
   "source": "scripts/au_travel_insurance_cards.py:read_grid"
  },
  "card.limits.commbank_overseas_travel": {
   "fact": "benefit_limits",
   "description": "The Overseas Travel Policy benefits table at the front of CommBank's premium booklet: four columns, a cardholder-only and a with-family limit under each of two card group headings. Each column's group and household are checked against the headings printed over it on every run, and the row number printed beside each benefit is its section.",
   "source": "scripts/au_travel_insurance_cards.py:read_grid"
  },
  "card.limits.bankwest_complimentary": {
   "fact": "benefit_limits",
   "description": "The benefits table for Bankwest's Complimentary Overseas Travel Insurance: a column each for the Platinum and World Mastercard. Read only on the page headed with that cover's name, because the upgraded benefits a cardholder can buy follow in the same grid.",
   "source": "scripts/au_travel_insurance_cards.py:read_grid"
  }
 },
 "stats": {
  "programmes": 23,
  "issuers": 19,
  "documents": 28,
  "words_read": 693126,
  "facts_with_a_quote": 232,
  "facts_not_stated": 87,
  "programmes_with_a_limits_table": 18,
  "for_review": 8,
  "register_check_outcomes": {
   "apra_authorised": 23
  }
 },
 "programmes": [
  {
   "programme_slug": "anz-platinum-black",
   "issuer": "ANZ",
   "programme": "ANZ Platinum and Black personal credit cards complimentary insurance",
   "page": "https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/",
   "governing_document": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
   "documents": [
    {
     "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 7 June 2024",
     "role": "combined",
     "governs": "current",
     "note": "ANZ's own page labels this file 'Policy Information Booklet dated 7 June 2024' and the file opens with a notice of the two replacements that follow it.",
     "status": "ok",
     "http_status": 200,
     "words": 27504,
     "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
     "bytes_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
     "retrieved_at": "2026-11-04T23:15:50Z"
    },
    {
     "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/phase-one-anz-platinum-and-black-complimentary-insurance-booklet.pdf",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 9 December 2026",
     "role": "combined",
     "governs": "forthcoming",
     "note": "Applies to an insurable event occurring on or after 9 December 2026.",
     "status": "ok",
     "http_status": 200,
     "words": 28074,
     "content_sha256": "1c71d4cdebe8894134c9a5fb4d949c722843787033bd31c0b894b6e0c25f2b76",
     "bytes_sha256": "dce84978de70f9b62a13421420fd22a12f7ff791d8c2b79c2035521df6f7ba74",
     "retrieved_at": "2026-11-04T23:15:50Z"
    },
    {
     "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/phase-two-anz-platinum-and-black-complimentary-insurance-booklet.pdf",
     "label": "ANZ Platinum and Black Personal Credit Cards Complimentary Insurance Policy Information Booklet dated 24 March 2027",
     "role": "combined",
     "governs": "forthcoming",
     "note": "Applies to an insurable event occurring on or after 24 March 2027.",
     "status": "ok",
     "http_status": 200,
     "words": 21327,
     "content_sha256": "28178774949991114bee0e53394397f7f9ecd9af34a3af30140240d1b0ff4293",
     "bytes_sha256": "4fff65f9453faa532adc1fb2cb12eb320e7e21a6a0d80849b07f7add39a915ae",
     "retrieved_at": "2026-11-04T23:15:50Z"
    }
   ],
   "facts": {
    "insurer": {
     "name": "Allianz Australia Insurance Limited",
     "abn": "15000122850",
     "afsl": "234708",
     "footing": "company",
     "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.insurer.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=6",
      "page": 6,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "group_policy_manager": {
     "name": "AWP Australia Pty Ltd",
     "abn": "52097227177",
     "afsl": "245631",
     "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.manager.labelled",
      "stale": false
     },
     "citation": {
      "quote": "AWP Australia Pty Ltd, ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000, telephone 1800 091 710",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=6",
      "page": 6,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "policy_owner": {
     "name": "ANZ",
     "named_as": "the short form the document defined",
     "quote": "ANZ is the policy owner",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.policy_owner.declared",
      "stale": false
     },
     "citation": {
      "quote": "ANZ is the policy owner",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=7",
      "page": 7,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=7",
      "page": 7,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2024-06-07",
     "quote": "EFFECTIVE DATE: 7 JUNE 2024",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "EFFECTIVE DATE: 7 JUNE 2024",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=3",
      "page": 3,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 250,
     "quote": "before leaving Australia you spend at least $250 on your prepaid travel costs (i.e",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $250 on your prepaid travel costs (i.e",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=21",
      "page": 21,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=21",
      "page": 21,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=21",
      "page": 21,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "(for people aged under 81 years)…",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.age_limit.heading",
      "stale": false
     },
     "citation": {
      "quote": "(for people aged under 81 years)",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 6,
       "unit": "months",
       "applies_to": "ANZ Black Credit Card cardholders, their spouses and/or dependants",
       "stated": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants"
      },
      {
       "count": 3,
       "unit": "months",
       "applies_to": "ANZ Platinum Credit Card cardholders, their spouses and/or dependants",
       "stated": "Up to three (3) consecutive months for ANZ Platinum Credit Card cardholders, their spouses and/or dependants"
      }
     ],
     "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-06T07:05:56Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to six (6) consecutive months for ANZ Black Credit Card cardholders, their spouses and/or dependants",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=22",
      "page": 22,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8",
      "first_seen_at": "2026-10-15T06:47:49Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
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     "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
     "evidence": {
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     "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance",
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    },
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    },
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     "why": "this document does not require Australian residency in terms this reader recognises",
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    },
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     "why": "this document states no single age limit of 60 years or more",
     "evidence": {
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     "why": "this document carries no travel cover, so anything it states about a journey, an age or what must go on the card is about another kind of cover",
     "evidence": {
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    },
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     "why": "this document does not mention pre-existing conditions",
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     "quote": "Purchase Protection Insurance; Extended Warranty Insurance",
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     "means": "this document carries no travel cover: it was read in full and states no travel benefit",
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      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.manager.labelled",
      "stale": false
     },
     "citation": {
      "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=1",
      "page": 1,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-15T06:47:51Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=7",
      "page": 7,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2026-05-15",
     "quote": "Effective 15 May 2026",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Effective 15 May 2026",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=2",
      "page": 2,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
      "page": 22,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
      "page": 22,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
      "page": 22,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.age_limit.criterion",
      "stale": false
     },
     "citation": {
      "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
      "page": 22,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 6,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants"
      },
      {
       "count": 30,
       "unit": "days",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to thirty (30) consecutive days for cardholders, their spouses and/or dependants"
      }
     ],
     "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=24",
      "page": 24,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-15T06:47:51Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "excluded",
     "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "citation": {
      "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=35",
      "page": 35,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05"
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    },
    "covers_offered": {
     "covers": [
      "International Travel Insurance",
      "Domestic Travel Insurance",
      "Rental Vehicle Excess Insurance in Australia",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance"
     ],
     "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec",
      "first_seen_at": "2026-10-06T07:09:24Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "International Travel Insurance",
       "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=3",
       "page": 3,
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       "confirmed": "2026-11-05"
      },
      {
       "quote": "Domestic Travel Insurance",
       "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=5",
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       "confirmed": "2026-11-05"
      },
      {
       "quote": "Rental Vehicle Excess Insurance in Australia",
       "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=5",
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       "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Purchase Protection Insurance",
       "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=6",
       "page": 6,
       "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Extended Warranty Insurance",
       "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=6",
       "page": 6,
       "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
       "confirmed": "2026-11-05"
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     ]
    },
    "travel_cover": {
     "international": true,
     "domestic": true,
     "named_as": [
      "International Travel Insurance",
      "Domestic Travel Insurance"
     ],
     "quote": "Online Lodge your International Travel Insurance claim at: claimmanager.com.au/nab Access claim forms 24 hours a day, 7 days a week at: travel.agaassistance.com.au/nab/make-a-claim Phone 1800 187 025 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to…",
     "evidence": {
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
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      "document": "combined",
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      "stale": false
     },
     "citation": {
      "quote": "Online Lodge your International Travel Insurance claim at: claimmanager.com.au/nab Access claim forms 24 hours a day, 7 days a week at: travel.agaassistance.com.au/nab/make-a-claim Phone 1800 187 025 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=3",
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   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Allianz Australia Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "234708"
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   "review": []
  },
  {
   "programme_slug": "westpac-cards",
   "issuer": "Westpac",
   "programme": "Westpac credit card complimentary insurance",
   "page": "https://www.westpac.com.au/personal-banking/credit-cards/complimentary-credit-card-insurance/",
   "governing_document": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
   "documents": [
    {
     "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
     "label": "Westpac Credit Card International Travel Insurance Product Disclosure Statements",
     "role": "international",
     "governs": "current",
     "note": "Westpac replaced the group policy booklet for travel from 1 October 2026 with Product Disclosure Statements.",
     "status": "ok",
     "http_status": 200,
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    {
     "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_Domestic_Complimentary_Insurance_Policy_Information_Booklet.pdf",
     "label": "Westpac Credit Card Domestic Complimentary Insurance Policy Information Booklet",
     "role": "domestic",
     "governs": "current",
     "note": null,
     "status": "ok",
     "http_status": 200,
     "words": 12403,
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     "label": "Westpac Credit Cards Complimentary Insurance Policy Information Booklet",
     "role": "combined",
     "governs": "superseded",
     "note": "Still the document that applies where the eligibility criteria were met before 1 October 2026, and cover under it ends on 30 September 2027. Pinned at the short URL Westpac publishes.",
     "status": "ok",
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   "facts": {
    "insurer": {
     "name": "Allianz Australia Insurance Limited",
     "abn": "15000122850",
     "afsl": "234708",
     "footing": "company",
     "quote": "These insurances are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Registered Office Level 16, 10 Carrington Street Sydney NSW 2000",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
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      "stale": false
     },
     "citation": {
      "quote": "These insurances are insured by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Registered Office Level 16, 10 Carrington Street Sydney NSW 2000",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=2",
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    "group_policy_manager": {
     "status": "not_stated",
     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
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      "rule": "card.not_stated",
      "stale": false
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    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
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    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=12",
      "page": 12,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2026-10-01",
     "quote": "Effective: 1 October 2026",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Effective: 1 October 2026",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=1",
      "page": 1,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
     }
    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs on your eligible card or you upgrade your cover by purchasing Comprehensive International Travel Insurance",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs on your eligible card or you upgrade your cover by purchasing Comprehensive International Travel Insurance",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=15",
      "page": 15,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=16",
      "page": 16,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "are a permanent resident of Australia",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "are a permanent resident of Australia",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=15",
      "page": 15,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.age_limit.or_younger",
      "stale": false
     },
     "citation": {
      "quote": "Only available for customers aged under 81 years at the time of issue of your Certificate of Insurance",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=59",
      "page": 59,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
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    },
    "period_of_cover": {
     "periods": [
      {
       "count": 3,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/ or dependants from the date you commence your journey",
       "stated": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey"
      },
      {
       "count": 1,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants from the date you commence your journey",
       "stated": "Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey"
      }
     ],
     "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey Level 2 Cards Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey The maximum period of cover available for…",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to three (3) consecutive months for cardholders, their spouses and/ or dependants from the date you commence your journey Level 2 Cards Up to one (1) month for cardholders, their spouses and/or dependants from the date you commence your journey The maximum period of cover available for",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=17",
      "page": 17,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
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    },
    "activation": {
     "required": true,
     "quote": "You must activate the cover and fulfil the eligibility criteria for your card type in order to access both the Complimentary International Medical Travel Insurance and the purchased cover in the Comprehensive International Travel Insurance of these Product Disclosure…",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.activation.required",
      "stale": false
     },
     "citation": {
      "quote": "You must activate the cover and fulfil the eligibility criteria for your card type in order to access both the Complimentary International Medical Travel Insurance and the purchased cover in the Comprehensive International Travel Insurance of these Product Disclosure",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=5",
      "page": 5,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
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    },
    "pre_existing_conditions": {
     "cover": "excluded",
     "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "citation": {
      "quote": "PRE-EXISTING MEDICAL CONDITIONS There is no cover for any claims arising from, related to or associated with your pre-existing medical conditions under Complimentary International Medical Travel Insurance",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=22",
      "page": 22,
      "document_sha256": "407b13bd14197a2330161785d291198d91f51a682aa1d32841c01ad0f427f126",
      "confirmed": "2026-11-05"
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    },
    "covers_offered": {
     "covers": [
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     ],
     "quote": "International Travel Insurance",
     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "International Travel Insurance",
       "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=1",
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     ]
    },
    "travel_cover": {
     "international": true,
     "domestic": false,
     "named_as": [
      "International Travel Insurance"
     ],
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     "evidence": {
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf",
      "http_status": 200,
      "document": "international",
      "content_sha256": "41d433258d75047a49e26b10fe41018448beb3bed074ddd2278ce54a49bd625d",
      "first_seen_at": "2026-10-06T07:10:45Z",
      "rule": "card.travel_cover.headings",
      "stale": false
     },
     "citation": {
      "quote": "Comprehensive International Travel Insurance These insurances are issued and managed by AWP Australia Pty Ltd trading as Allianz Global Assistance ABN 52 097 227 177 AFS Licence 245631 as an agent for Allianz Australia Insurance Limited Registered Office Level 16, 310 Ann Street Brisbane QLD 4000",
      "url": "https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/pb/credit-cards/WBC_Credit_Card_International_Travel_Insurance_PDS.pdf#page=2",
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    }
   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Allianz Australia Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "234708"
   },
   "review": []
  },
  {
   "programme_slug": "stgeorge-cards",
   "issuer": "St.George",
   "programme": "St.George credit cards complimentary insurance",
   "page": "https://www.stgeorge.com.au/personal/credit-cards/manage/insurance-cover",
   "governing_document": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
   "documents": [
    {
     "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
     "label": "St.George Credit Cards Complimentary Insurance Policy Information Booklet",
     "role": "combined",
     "governs": "current",
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   ],
   "facts": {
    "insurer": {
     "name": "Allianz Australia Insurance Limited",
     "abn": "15000122850",
     "afsl": "234708",
     "footing": "company",
     "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
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      "document": "combined",
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      "first_seen_at": "2026-10-06T07:10:46Z",
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     },
     "citation": {
      "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
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    "group_policy_manager": {
     "name": "AWP Australia Pty Ltd",
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     "afsl": "245631",
     "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
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     },
     "citation": {
      "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
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    },
    "policy_owner": {
     "name": "St.George Bank",
     "named_as": "the short form the document defined",
     "quote": "St.George Bank is the policy owner",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.policy_owner.declared",
      "stale": false
     },
     "citation": {
      "quote": "St.George Bank is the policy owner",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=8",
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      "confirmed": "2026-11-05"
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    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
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      "stale": false
     },
     "citation": {
      "quote": "of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=8",
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      "confirmed": "2026-11-05"
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    },
    "effective_date": {
     "effective_date": "2023-03-01",
     "quote": "Effective date:1 March 2023",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.effective_date.labelled",
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     },
     "citation": {
      "quote": "Effective date:1 March 2023",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=1",
      "page": 1,
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      "confirmed": "2026-11-05"
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    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
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    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
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    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia and your journey begins and ends in Australia",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you reside in Australia and your journey begins and ends in Australia",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "International Travel Insurance (for persons aged under 81 years) \b…",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.age_limit.or_younger",
      "stale": false
     },
     "citation": {
      "quote": "International Travel Insurance (for persons aged under 81 years) \b",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
      "page": 5,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 6,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants"
      },
      {
       "count": 3,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants"
      }
     ],
     "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-15T06:47:53Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "automatic_for_listed",
     "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "automatically_covered": {
      "read_by_hand": true,
      "written_on": "2026-11-06",
      "written_against_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "term_used": "pre-existing medical condition",
      "section": {
       "quote": "Pre-existing medical conditions that are covered (some restrictions apply)",
       "citation": {
        "quote": "Pre-existing medical conditions that are covered (some restrictions apply)",
        "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
        "page": 34,
        "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
        "confirmed": "2026-11-05"
       }
      },
      "who": [
       {
        "line": "The travel cover, and so the list, is only for people aged under 81 when they become eligible for the cover.",
        "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available",
        "citation": {
         "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
         "page": 22,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "lead": {
       "line": "A condition in the table is covered without assessment if it meets that condition's requirements.",
       "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
       "citation": {
        "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
        "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
        "page": 34,
        "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
        "confirmed": "2026-11-05"
       }
      },
      "criteria_for_every_condition": [],
      "count": 13,
      "conditions": [
       {
        "name": "Acne",
        "citation": {
         "quote": "Acne",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
         "page": 34,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have not required treatment by a medical adviser in the last three (3) consecutive months",
          "citation": {
           "quote": "If you have not required treatment by a medical adviser in the last three (3) consecutive months",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
           "page": 34,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Allergies",
        "citation": {
         "quote": "Allergies",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
         "page": 34,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma",
          "citation": {
           "quote": "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
           "page": 34,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Asthma",
        "citation": {
         "quote": "Asthma",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
         "page": 34,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months",
          "citation": {
           "quote": "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
           "page": 34,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Cataracts/Glaucoma",
        "citation": {
         "quote": "Cataracts/Glaucoma",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
         "page": 34,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months",
          "citation": {
           "quote": "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
           "page": 34,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Coeliac Disease",
        "citation": {
         "quote": "Coeliac Disease",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
         "page": 34,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months",
          "citation": {
           "quote": "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
           "page": 34,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Diabetes/Glucose Intolerance",
        "citation": {
         "quote": "Diabetes/Glucose Intolerance",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months",
          "citation": {
           "quote": "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less",
          "citation": {
           "quote": "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "You must also not currently be undergoing treatment for kidney, eye or nerve complications",
          "citation": {
           "quote": "You must also not currently be undergoing treatment for kidney, eye or nerve complications",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Ear Grommets",
        "citation": {
         "quote": "Ear Grommets",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "With no current infection",
          "citation": {
           "quote": "With no current infection",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Epilepsy",
        "citation": {
         "quote": "Epilepsy",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years",
          "citation": {
           "quote": "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Gastric Reflux",
        "citation": {
         "quote": "Gastric Reflux",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition does not relate to another underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
          "citation": {
           "quote": "If the condition does not relate to another underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Gout",
        "citation": {
         "quote": "Gout",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the gout has remained stable for the last nine (9) consecutive months",
          "citation": {
           "quote": "If the gout has remained stable for the last nine (9) consecutive months",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hiatus Hernia",
        "citation": {
         "quote": "Hiatus Hernia",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If no surgery is planned",
          "citation": {
           "quote": "If no surgery is planned",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hip/Knee Replacement",
        "citation": {
         "quote": "Hip/Knee Replacement",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago",
          "citation": {
           "quote": "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hypertension (High Blood Pressure)",
        "citation": {
         "quote": "Hypertension (High Blood Pressure)",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
         "page": 35,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)",
          "citation": {
           "quote": "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)",
           "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=35",
           "page": 35,
           "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
           "confirmed": "2026-11-05"
          }
         }
        ]
       }
      ],
      "notes": [
       {
        "line": "A listed condition that does not meet its requirements can still be put forward for assessment.",
        "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy",
        "citation": {
         "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
         "page": 34,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "otherwise": [
       {
        "line": "A pre-existing condition that is not covered is excluded from every claim.",
        "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
        "citation": {
         "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=33",
         "page": 33,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "Before travelling you can ask Allianz Global Assistance to assess the condition, online or by phone.",
        "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone",
        "citation": {
         "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=33",
         "page": 33,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "If Allianz accepts it, a $45 administration fee is payable, by phone or online.",
        "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment",
        "citation": {
         "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment",
         "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=33",
         "page": 33,
         "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     "citation": {
      "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=34",
      "page": 34,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     }
    },
    "covers_offered": {
     "covers": [
      "International Travel Insurance",
      "Interstate Flight Inconvenience Insurance",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance",
      "Overseas Transit Accident Insurance"
     ],
     "quote": "International Travel Insurance; Interstate Flight Inconvenience Insurance; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "International Travel Insurance",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
       "page": 3,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Interstate Flight Inconvenience Insurance",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
       "page": 6,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Purchase Protection Insurance",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
       "page": 7,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Extended Warranty Insurance",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
       "page": 7,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Overseas Transit Accident Insurance",
       "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
       "page": 6,
       "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "travel_cover": {
     "international": true,
     "domestic": true,
     "named_as": [
      "International Travel Insurance",
      "Interstate Flight Inconvenience Insurance"
     ],
     "quote": "Letter of Eligibility for International Travel Insurance You can obtain written confirmation of eligibility for cover for your overseas journey based on the answers you give us, by applying online at: checkyourcover.com.au/stgeorge If you provide us with incorrect answers to the questions we ask you, you may not be…",
     "evidence": {
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ebcb79856e5fd69b433698cf86c658ac3536ee87dcd30f185213c123e2da99f9",
      "first_seen_at": "2026-10-06T07:10:46Z",
      "rule": "card.travel_cover.headings",
      "stale": false
     },
     "citation": {
      "quote": "Letter of Eligibility for International Travel Insurance You can obtain written confirmation of eligibility for cover for your overseas journey based on the answers you give us, by applying online at: checkyourcover.com.au/stgeorge If you provide us with incorrect answers to the questions we ask you, you may not be",
      "url": "https://www.stgeorge.com.au/content/dam/stg/downloads/accounts_and_cards/STG_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
      "page": 3,
      "document_sha256": "8efc9ad46709b3e0f931aed0de9d64c423d1d80809ee2014c224601286f19d44",
      "confirmed": "2026-11-05"
     }
    }
   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Allianz Australia Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "234708"
   },
   "review": []
  },
  {
   "programme_slug": "cba-premium-cards",
   "issuer": "CommBank",
   "programme": "CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards)",
   "page": "https://www.commbank.com.au/travel/travel-insurance/travel-insurance-included.html",
   "governing_document": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
   "documents": [
    {
     "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
     "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet",
     "role": "combined",
     "governs": "current",
     "note": null,
     "status": "ok",
     "http_status": 200,
     "words": 27215,
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     "retrieved_at": "2026-11-04T23:15:54Z"
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   ],
   "facts": {
    "insurer": {
     "name": "Zurich Australian Insurance Limited",
     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other…",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
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      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-06T07:09:25Z",
      "rule": "card.insurer.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2",
      "page": 2,
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    },
    "group_policy_manager": {
     "status": "not_stated",
     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
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     }
    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
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      "rule": "card.not_stated",
      "stale": false
     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-06T07:09:25Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=45",
      "page": 45,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2025-10-29",
     "quote": "Effective 29 October 2025",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-06T07:09:25Z",
      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Effective 29 October 2025",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=1",
      "page": 1,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
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     }
    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "note": "the sentence this was read from does not say whether it is the overseas or the domestic figure",
     "quote": "card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia and/ or a copy of the letter/statement/email confirming the redemption of your CommBank Awards points through the CommBank Awards Program or using Travel Booking travel credits on…",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-06T07:09:25Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia and/ or a copy of the letter/statement/email confirming the redemption of your CommBank Awards points through the CommBank Awards Program or using Travel Booking travel credits on",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=9",
      "page": 9,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
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    },
    "return_ticket": {
     "required": true,
     "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-06T07:09:25Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=9",
      "page": 9,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05"
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    },
    "residency": {
     "status": "not_stated",
     "why": "this document does not require Australian residency in terms this reader recognises",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-15T06:47:54Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "age_limit": {
     "status": "not_stated",
     "why": "This booklet gates the cover by age in more than one place and in more than one way: a cardholder under 70 activates it as a matter of course, and one aged 80 or over has a further step to take. Publishing either figure alone would read as the age the cover stops at, which neither is.",
     "withheld_by_hand": true,
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
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    },
    "period_of_cover": {
     "periods": [
      {
       "count": 12,
       "unit": "months",
       "applies_to": "Upgrades",
       "stated": "12 months for Upgrades"
      },
      {
       "count": 3,
       "unit": "months",
       "applies_to": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "stated": "3 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified"
      },
      {
       "count": 12,
       "unit": "months",
       "applies_to": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
       "stated": "12 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified"
      }
     ],
     "quote": "commencing within 12 months of activation",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-06T07:09:25Z",
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     },
     "citation": {
      "quote": "commencing within 12 months of activation",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
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      "confirmed": "2026-11-05"
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    },
    "activation": {
     "required": true,
     "quote": "The cardholder will need to complete the 2 steps to activate the Overseas Travel Policy and then apply for the Extension of period of cover Upgrade",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "first_seen_at": "2026-10-06T07:09:25Z",
      "rule": "card.activation.required",
      "stale": false
     },
     "citation": {
      "quote": "The cardholder will need to complete the 2 steps to activate the Overseas Travel Policy and then apply for the Extension of period of cover Upgrade",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
      "page": 11,
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      "confirmed": "2026-11-05"
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    },
    "pre_existing_conditions": {
     "cover": "automatic_for_listed",
     "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
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      "rule": "card.pre_existing.stated",
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     },
     "automatically_covered": {
      "read_by_hand": true,
      "written_on": "2026-11-06",
      "written_against_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
      "term_used": "existing medical condition",
      "section": {
       "quote": "Automatically accepted existing medical conditions",
       "citation": {
        "quote": "Automatically accepted existing medical conditions",
        "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
        "page": 12,
        "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
        "confirmed": "2026-11-05"
       }
      },
      "who": [
       {
        "line": "The list applies to travellers aged 79 and under.",
        "quote": "Existing medical conditions for persons aged 79 years and under",
        "citation": {
         "quote": "Existing medical conditions for persons aged 79 years and under",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
         "page": 11,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "Anyone aged 80 or over, and anyone with an existing medical condition not on the list, has to activate the Overseas Travel Policy and apply for an Upgrade to be covered under Benefits 1, 2, 4 and 5.",
        "quote": "People aged 80 or over and people with existing medical conditions (not automatically accepted on pages 22-24) must follow the activation process for the Overseas Travel Policy and apply for cover under Upgrades for cover under Benefits 1,2, 4 and 5.",
        "citation": {
         "quote": "People aged 80 or over and people with existing medical conditions (not automatically accepted on pages 22-24) must follow the activation process for the Overseas Travel Policy and apply for cover under Upgrades for cover under Benefits 1,2, 4 and 5.",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=22",
         "page": 22,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "lead": {
       "line": "A condition in the tables is covered automatically if all three criteria below are met.",
       "quote": "We automatically accept cover for an existing medical condition shown in the tables following, provided:",
       "citation": {
        "quote": "We automatically accept cover for an existing medical condition shown in the tables following, provided:",
        "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
        "page": 12,
        "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
        "confirmed": "2026-11-05"
       }
      },
      "criteria_for_every_condition": [
       {
        "line": "No hospital stay, day surgery or emergency department visit for the condition in the 12 months before.",
        "quote": "in the 12 months prior to the relevant time, you have not been hospitalised (including day surgery or emergency department attendance) for that condition",
        "citation": {
         "quote": "in the 12 months prior to the relevant time, you have not been hospitalised (including day surgery or emergency department attendance) for that condition",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "Never had surgery on a joint, the back, spine, brain or abdomen for the condition that needed at least an overnight hospital stay.",
        "quote": "prior to the relevant time, you have not had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for that condition",
        "citation": {
         "quote": "prior to the relevant time, you have not had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for that condition",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "The condition meets its own criteria in the table, where it has any.",
        "quote": "your condition meets any criteria shown for that condition",
        "citation": {
         "quote": "your condition meets any criteria shown for that condition",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "count": 39,
      "conditions": [
       {
        "name": "Acne",
        "citation": {
         "quote": "Acne",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
        "citation": {
         "quote": "ADHD (Attention Deficit Hyperactivity Disorder)",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Bunions",
        "citation": {
         "quote": "Bunions",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Carpal Tunnel Syndrome",
        "citation": {
         "quote": "Carpal Tunnel Syndrome",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
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         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Cataracts",
        "citation": {
         "quote": "Cataracts",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Cleft Palate",
        "citation": {
         "quote": "Cleft Palate",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Cochlear Implant",
        "citation": {
         "quote": "Cochlear Implant",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Coeliac Disease",
        "citation": {
         "quote": "Coeliac Disease",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Congenital Adrenal Hyperplasia",
        "citation": {
         "quote": "Congenital Adrenal Hyperplasia",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Congenital Blindness",
        "citation": {
         "quote": "Congenital Blindness",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Congenital Deafness",
        "citation": {
         "quote": "Congenital Deafness",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Conjunctivitis",
        "citation": {
         "quote": "Conjunctivitis",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Dengue Fever",
        "citation": {
         "quote": "Dengue Fever",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Dry Eye Syndrome",
        "citation": {
         "quote": "Dry Eye Syndrome",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Dupuytrens Contracture",
        "citation": {
         "quote": "Dupuytrens Contracture",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Eczema",
        "citation": {
         "quote": "Eczema",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Gastric Reflux (GORD)",
        "citation": {
         "quote": "Gastric Reflux (GORD)",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Glaucoma",
        "citation": {
         "quote": "Glaucoma",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Gout",
        "citation": {
         "quote": "Gout",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Hay Fever",
        "citation": {
         "quote": "Hay Fever",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Hormone Replacement Therapy",
        "citation": {
         "quote": "Hormone Replacement Therapy",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Hypothyroidism including Hashimoto’s Disease",
        "citation": {
         "quote": "Hypothyroidism including Hashimoto’s Disease",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Lipoma",
        "citation": {
         "quote": "Lipoma",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Macular Degeneration",
        "citation": {
         "quote": "Macular Degeneration",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Meniere’s Disease",
        "citation": {
         "quote": "Meniere’s Disease",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Rhinitis",
        "citation": {
         "quote": "Rhinitis",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Rosacea",
        "citation": {
         "quote": "Rosacea",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Sinusitis",
        "citation": {
         "quote": "Sinusitis",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Tinnitus",
        "citation": {
         "quote": "Tinnitus",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Anxiety",
        "citation": {
         "quote": "Anxiety",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "you have not been diagnosed with Depression in the last 3 years",
          "citation": {
           "quote": "you have not been diagnosed with Depression in the last 3 years",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "in the last 12 months, your prescribed medication hasn’t changed",
          "citation": {
           "quote": "in the last 12 months, your prescribed medication hasn’t changed",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
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         },
         {
          "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
          "citation": {
           "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "you have not previously been required to cancel or curtail your travel plans due to your Anxiety",
          "citation": {
           "quote": "you have not previously been required to cancel or curtail your travel plans due to your Anxiety",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Asthma",
        "citation": {
         "quote": "Asthma",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "are under 60 years of age",
          "citation": {
           "quote": "are under 60 years of age",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "have not smoked for at least the last 18 months",
          "citation": {
           "quote": "have not smoked for at least the last 18 months",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "do not need prescribed oxygen outside of a hospital",
          "citation": {
           "quote": "do not need prescribed oxygen outside of a hospital",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "have no other lung condition or disease including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
          "citation": {
           "quote": "have no other lung condition or disease including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Diabetes (type 1 or type 2) or glucose intolerance",
        "citation": {
         "quote": "Diabetes (type 1 or type 2) or glucose intolerance",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "First diagnosed more than 6 months ago",
          "citation": {
           "quote": "First diagnosed more than 6 months ago",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "No complications in last 12 months",
          "citation": {
           "quote": "No complications in last 12 months",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "No kidney, eye or neuropathy complications",
          "citation": {
           "quote": "No kidney, eye or neuropathy complications",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "No cardiovascular disease",
          "citation": {
           "quote": "No cardiovascular disease",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Depression",
        "citation": {
         "quote": "Depression",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "you have not been hospitalised for this condition in the last 2 years",
          "citation": {
           "quote": "you have not been hospitalised for this condition in the last 2 years",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "in the last 12 months, your prescribed medication hasn’t changed",
          "citation": {
           "quote": "in the last 12 months, your prescribed medication hasn’t changed",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
          "citation": {
           "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "you have not previously been required to cancel or curtail your travel plans due to your Depression",
          "citation": {
           "quote": "you have not previously been required to cancel or curtail your travel plans due to your Depression",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Ear Grommets",
        "citation": {
         "quote": "Ear Grommets",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no current infection",
          "citation": {
           "quote": "Provided no current infection",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hiatus Hernia",
        "citation": {
         "quote": "Hiatus Hernia",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
         "page": 12,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no surgery is planned",
          "citation": {
           "quote": "Provided no surgery is planned",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=12",
           "page": 12,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hypercholesterolaemia (High Cholesterol)",
        "citation": {
         "quote": "Hypercholesterolaemia (High Cholesterol)",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no cardiovascular disease and/or no diabetes",
          "citation": {
           "quote": "Provided no cardiovascular disease and/or no diabetes",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
           "page": 13,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hyperlipidaemia (High Blood Lipids)",
        "citation": {
         "quote": "Hyperlipidaemia (High Blood Lipids)",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no cardiovascular disease and/or no diabetes",
          "citation": {
           "quote": "Provided no cardiovascular disease and/or no diabetes",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
           "page": 13,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hypertension (High Blood Pressure)",
        "citation": {
         "quote": "Hypertension (High Blood Pressure)",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no cardiovascular disease and/or no diabetes",
          "citation": {
           "quote": "Provided no cardiovascular disease and/or no diabetes",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
           "page": 13,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Pregnancy",
        "citation": {
         "quote": "Pregnancy",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If it is a single, uncomplicated pregnancy – cover up to the 24th week i.e. up to 23 weeks, 6 days provided:",
          "citation": {
           "quote": "If it is a single, uncomplicated pregnancy – cover up to the 24th week i.e. up to 23 weeks, 6 days provided:",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
           "page": 13,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "the conception was not medically assisted e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation (IVF)",
          "citation": {
           "quote": "the conception was not medically assisted e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation (IVF)",
           "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
           "page": 13,
           "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
           "confirmed": "2026-11-05"
          }
         }
        ]
       }
      ],
      "notes": [
       {
        "line": "Diabetes, high cholesterol, high blood lipids and high blood pressure (marked * in the table) are not covered automatically for anyone with a history of cardiovascular disease that is an existing medical condition.",
        "quote": "If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions are also excluded.",
        "citation": {
         "quote": "If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions are also excluded.",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "otherwise": [
       {
        "line": "Any other existing medical condition is not covered at all.",
        "quote": "If your existing medical condition is not automatically accepted above we will not provide any cover for any claims which in any way relate to, or are exacerbated by, that condition.",
        "citation": {
         "quote": "If your existing medical condition is not automatically accepted above we will not provide any cover for any claims which in any way relate to, or are exacerbated by, that condition.",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "Cover for it can be applied for as the Existing medical conditions Upgrade, for an extra premium if accepted.",
        "quote": "If you want to take cover for existing medical condition(s), you will need to apply for an Existing medical conditions Upgrade.",
        "citation": {
         "quote": "If you want to take cover for existing medical condition(s), you will need to apply for an Existing medical conditions Upgrade.",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "An accepted application costs an extra premium.",
        "quote": "If we accept your application for cover of existing medical conditions, an extra premium is payable to us.",
        "citation": {
         "quote": "If we accept your application for cover of existing medical conditions, an extra premium is payable to us.",
         "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=13",
         "page": 13,
         "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     "citation": {
      "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05"
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    },
    "covers_offered": {
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     "quote": "Overseas Travel Policy",
     "evidence": {
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      "first_seen_at": "2026-10-06T07:09:25Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "Overseas Travel Policy",
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    },
    "travel_cover": {
     "international": true,
     "domestic": false,
     "named_as": [
      "Overseas Travel Policy"
     ],
     "quote": "Steps to access the Overseas Travel Policy…",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
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     },
     "citation": {
      "quote": "Steps to access the Overseas Travel Policy",
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   },
   "register_check": {
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    "authorised": true,
    "matched_name": "Zurich Australian Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": null
   },
   "review": []
  },
  {
   "programme_slug": "cba-standard-cards",
   "issuer": "CommBank",
   "programme": "CommBank credit card insurances (Low Rate, Low Fee, Awards Standard and Essentials cards)",
   "page": "https://www.commbank.com.au/travel/travel-insurance/travel-insurance-included.html",
   "governing_document": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
   "documents": [
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     "label": "CommBank Credit Card Insurances Booklet (Low Rate Standard, Low Fee Standard, Awards Standard and Essentials)",
     "role": "combined",
     "governs": "current",
     "note": "Pinned beside the premium booklet for the same reason as ANZ First: the shorter booklet is how a cardholder finds out which insurances their card does not carry.",
     "status": "ok",
     "http_status": 200,
     "words": 7578,
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   ],
   "facts": {
    "insurer": {
     "name": "Zurich Australian Insurance Limited",
     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other…",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
      "http_status": 200,
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      "first_seen_at": "2026-10-06T07:09:26Z",
      "rule": "card.insurer.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we, our and us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as the Commonwealth Bank and other",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=2",
      "page": 2,
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    "group_policy_manager": {
     "status": "not_stated",
     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a0bfc93fc4dd20dedfd7cc383f901f8e91b05df9879f139d78a4ed1707aa5d68",
      "first_seen_at": "2026-10-15T06:47:56Z",
      "rule": "card.not_stated",
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     }
    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
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     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
     "evidence": {
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      "document": "combined",
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      "first_seen_at": "2026-10-06T07:09:26Z",
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      "stale": false
     },
     "citation": {
      "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3379fe978510c7fc6b7e952e1839c8e2d6386b68c4351e583fd81ab661fd6815",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "status": "not_stated",
     "why": "this document carries no effective date on a line of its own and no sentence saying which events it applies to",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
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      "first_seen_at": "2026-10-15T06:47:56Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "charge_requirement": {
     "status": "not_stated",
     "why": "this document states no amount that must be charged to the card, and no requirement that the whole cost go on it, in terms this reader recognises",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
      "content_sha256": "a0bfc93fc4dd20dedfd7cc383f901f8e91b05df9879f139d78a4ed1707aa5d68",
      "first_seen_at": "2026-10-15T06:47:56Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "return_ticket": {
     "status": "not_stated",
     "why": "this document does not require a return ticket in terms this reader recognises",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a0bfc93fc4dd20dedfd7cc383f901f8e91b05df9879f139d78a4ed1707aa5d68",
      "first_seen_at": "2026-10-15T06:47:56Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "residency": {
     "status": "not_stated",
     "why": "this document does not require Australian residency in terms this reader recognises",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a0bfc93fc4dd20dedfd7cc383f901f8e91b05df9879f139d78a4ed1707aa5d68",
      "first_seen_at": "2026-10-15T06:47:56Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "age_limit": {
     "status": "not_stated",
     "why": "this document states no single age limit of 60 years or more",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
      "content_sha256": "a0bfc93fc4dd20dedfd7cc383f901f8e91b05df9879f139d78a4ed1707aa5d68",
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      "rule": "card.not_stated",
      "stale": false
     }
    },
    "period_of_cover": {
     "status": "not_stated",
     "why": "this document carries no travel cover, so anything it states about a journey, an age or what must go on the card is about another kind of cover",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
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      "rule": "card.not_stated",
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     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
      "content_sha256": "a0bfc93fc4dd20dedfd7cc383f901f8e91b05df9879f139d78a4ed1707aa5d68",
      "first_seen_at": "2026-10-15T06:47:56Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "status": "not_stated",
     "why": "this document does not mention pre-existing conditions",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
      "content_sha256": "a0bfc93fc4dd20dedfd7cc383f901f8e91b05df9879f139d78a4ed1707aa5d68",
      "first_seen_at": "2026-10-15T06:47:56Z",
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     }
    },
    "covers_offered": {
     "covers": [
      "Extended Warranty Insurance"
     ],
     "quote": "Extended Warranty Insurance",
     "evidence": {
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf",
      "http_status": 200,
      "document": "combined",
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      "first_seen_at": "2026-10-06T07:09:26Z",
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     },
     "citations": [
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       "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf#page=3",
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     ]
    },
    "travel_cover": {
     "international": false,
     "domestic": false,
     "named_as": null,
     "means": "this document carries no travel cover: it was read in full and states no travel benefit",
     "evidence": {
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    }
   },
   "register_check": {
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    "authorised": true,
    "matched_name": "Zurich Australian Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": null
   },
   "review": [
    {
     "what": "benefit limits",
     "why": "This booklet carries no travel insurance, so there are no travel limits in it to read. Its covers are Purchase Security and Extended Warranty, and its one table of benefits gives their limits: a purchase price, a jewellery sub-limit and a yearly cap, none of them a travel benefit (facts.travel_cover records the booklet as read in full with no travel benefit in it). The reason recorded here before, that it shares the premium booklet's front-of-book layout, was wrong: the premium booklet's table is of overseas travel benefits.",
     "document": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-info-booklet.pdf"
    }
   ]
  },
  {
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   "issuer": "Bankwest",
   "programme": "Bankwest credit card insurance",
   "page": "https://www.bankwest.com.au/support/credit-cards/complimentary-insurance",
   "governing_document": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf",
   "documents": [
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     "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet",
     "role": "combined",
     "governs": "current",
     "note": "The only insurance document Bankwest's own complimentary insurance page links.",
     "status": "ok",
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     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we”, “our” and “us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as Bankwest and other relevant…",
     "evidence": {
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     "citation": {
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     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
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    },
    "policy_owner": {
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     "why": "this document does not say who owns the policy",
     "evidence": {
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    },
    "cover_basis": {
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     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
     "evidence": {
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     },
     "citation": {
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     "amount_aud": null,
     "note": "the whole cost of the travel must go on the card, not a part of it",
     "quote": "Transit Accident Insurance: the entire payment for the trip was charged to the cardholder’s eligible credit card account",
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     },
     "citation": {
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    },
    "return_ticket": {
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     "why": "this document does not require a return ticket in terms this reader recognises",
     "evidence": {
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    },
    "residency": {
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     "why": "this document does not require Australian residency in terms this reader recognises",
     "evidence": {
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      "document": "combined",
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    },
    "age_limit": {
     "status": "not_stated",
     "why": "The only ages in this booklet that survive the general rules are the age at which an upgrade may be bought and the age in a worked claim example. Neither is the age the complimentary cover stops at, and the booklet does not appear to state one for it.",
     "withheld_by_hand": true,
     "evidence": {
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    },
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     "periods": [
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       "unit": "months",
       "applies_to": "Bankwest World Mastercard cardholders",
       "stated": "12 consecutive months for Bankwest World Mastercard cardholders"
      }
     ],
     "quote": "12 consecutive months for Bankwest World Mastercard cardholders",
     "evidence": {
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      "stale": false
     },
     "citation": {
      "quote": "12 consecutive months for Bankwest World Mastercard cardholders",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=6",
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    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf",
      "http_status": 200,
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      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "automatic_for_listed",
     "quote": "Cover is not provided for existing medical conditions unless we automatically include cover for that condition or you apply for and obtain existing medical condition cover for that condition",
     "evidence": {
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf",
      "http_status": 200,
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      "first_seen_at": "2026-10-15T06:47:56Z",
      "rule": "card.pre_existing.stated",
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     },
     "automatically_covered": {
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      "written_on": "2026-11-06",
      "written_against_sha256": "23d8e0bfd24cadfea129470615545445ce3a81f3ce40fd3f47231034ef67813a",
      "term_used": "existing medical condition",
      "section": {
       "quote": "Existing medical conditions we automatically include",
       "citation": {
        "quote": "Existing medical conditions we automatically include",
        "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
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        "confirmed": "2026-11-05"
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      },
      "who": [
       {
        "line": "Some existing conditions are covered automatically only for people aged 79 or under at the relevant time.",
        "quote": "However, if you are 79 years of age or less at the relevant time, cover for some existing medical conditions may be automatically included, as described on pages 46-48",
        "citation": {
         "quote": "However, if you are 79 years of age or less at the relevant time, cover for some existing medical conditions may be automatically included, as described on pages 46-48",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=23",
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         "confirmed": "2026-11-05"
        }
       }
      ],
      "lead": {
       "line": "A condition in the tables is covered automatically if all four criteria below are met.",
       "quote": "We automatically include cover for an existing medical condition shown in the tables following, provided",
       "citation": {
        "quote": "We automatically include cover for an existing medical condition shown in the tables following, provided",
        "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
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      },
      "criteria_for_every_condition": [
       {
        "line": "Aged 79 or under at the relevant time.",
        "quote": "you are 79 years of age or less at the relevant time",
        "citation": {
         "quote": "you are 79 years of age or less at the relevant time",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "No hospital stay, day surgery or emergency department visit for the condition in the 12 months before.",
        "quote": "in the 12 months prior to the relevant time, you have not been hospitalised (including day surgery or emergency department attendance) for that condition",
        "citation": {
         "quote": "in the 12 months prior to the relevant time, you have not been hospitalised (including day surgery or emergency department attendance) for that condition",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "Never had surgery on a joint, the back, spine, brain or abdomen for the condition that needed at least an overnight hospital stay.",
        "quote": "prior to the relevant time, you have not had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for that condition",
        "citation": {
         "quote": "prior to the relevant time, you have not had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for that condition",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "The condition meets its own criteria in the table, where it has any.",
        "quote": "your condition meets any criteria shown for that condition",
        "citation": {
         "quote": "your condition meets any criteria shown for that condition",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "count": 39,
      "conditions": [
       {
        "name": "Acne",
        "citation": {
         "quote": "Acne",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
        "citation": {
         "quote": "ADHD (Attention Deficit Hyperactivity Disorder)",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Bunions",
        "citation": {
         "quote": "Bunions",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Carpal Tunnel Syndrome",
        "citation": {
         "quote": "Carpal Tunnel Syndrome",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Cataracts",
        "citation": {
         "quote": "Cataracts",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Cleft Palate",
        "citation": {
         "quote": "Cleft Palate",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Cochlear Implant",
        "citation": {
         "quote": "Cochlear Implant",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Coeliac Disease",
        "citation": {
         "quote": "Coeliac Disease",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Congenital Adrenal Hyperplasia",
        "citation": {
         "quote": "Congenital Adrenal Hyperplasia",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Congenital Blindness",
        "citation": {
         "quote": "Congenital Blindness",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Congenital Deafness",
        "citation": {
         "quote": "Congenital Deafness",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Conjunctivitis",
        "citation": {
         "quote": "Conjunctivitis",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Dengue Fever",
        "citation": {
         "quote": "Dengue Fever",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Dry Eye Syndrome",
        "citation": {
         "quote": "Dry Eye Syndrome",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Dupuytrens Contracture",
        "citation": {
         "quote": "Dupuytrens Contracture",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Eczema",
        "citation": {
         "quote": "Eczema",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Gastric Reflux (GORD)",
        "citation": {
         "quote": "Gastric Reflux (GORD)",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Glaucoma",
        "citation": {
         "quote": "Glaucoma",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Gout",
        "citation": {
         "quote": "Gout",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Hay Fever",
        "citation": {
         "quote": "Hay Fever",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Hormone Replacement Therapy",
        "citation": {
         "quote": "Hormone Replacement Therapy",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Hypothyroidism including Hashimoto’s Disease",
        "citation": {
         "quote": "Hypothyroidism including Hashimoto’s Disease",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Lipoma",
        "citation": {
         "quote": "Lipoma",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Macular Degeneration",
        "citation": {
         "quote": "Macular Degeneration",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Meniere’s Disease",
        "citation": {
         "quote": "Meniere’s Disease",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Rhinitis",
        "citation": {
         "quote": "Rhinitis",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Rosacea",
        "citation": {
         "quote": "Rosacea",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Sinusitis",
        "citation": {
         "quote": "Sinusitis",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Tinnitus",
        "citation": {
         "quote": "Tinnitus",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": []
       },
       {
        "name": "Anxiety",
        "citation": {
         "quote": "Anxiety",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "you have not been diagnosed with Depression in the last 3 years",
          "citation": {
           "quote": "you have not been diagnosed with Depression in the last 3 years",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "in the last 12 months, your prescribed medication hasn’t changed",
          "citation": {
           "quote": "in the last 12 months, your prescribed medication hasn’t changed",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
          "citation": {
           "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "you have not previously been required to cancel or curtail your travel plans due to your Anxiety",
          "citation": {
           "quote": "you have not previously been required to cancel or curtail your travel plans due to your Anxiety",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Asthma",
        "citation": {
         "quote": "Asthma",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "are under 60 years of age",
          "citation": {
           "quote": "are under 60 years of age",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "have not smoked for at least the last 18 months",
          "citation": {
           "quote": "have not smoked for at least the last 18 months",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "do not need prescribed oxygen outside of a hospital",
          "citation": {
           "quote": "do not need prescribed oxygen outside of a hospital",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "have no other lung condition or disease",
          "citation": {
           "quote": "have no other lung condition or disease",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Diabetes (type 1 or type 2) or glucose intolerance",
        "citation": {
         "quote": "Diabetes (type 1 or type 2) or glucose intolerance",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "you are under 50 years of age",
          "citation": {
           "quote": "you are under 50 years of age",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "first diagnosed more than six months ago",
          "citation": {
           "quote": "first diagnosed more than six months ago",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "no complications in last 12 months",
          "citation": {
           "quote": "no complications in last 12 months",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "no kidney, eye or neuropathy complications",
          "citation": {
           "quote": "no kidney, eye or neuropathy complications",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "no cardiovascular disease",
          "citation": {
           "quote": "no cardiovascular disease",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Depression",
        "citation": {
         "quote": "Depression",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
         "page": 24,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "you have not been hospitalised for this condition in the last 2 years",
          "citation": {
           "quote": "you have not been hospitalised for this condition in the last 2 years",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "in the last 12 months, your prescribed medication hasn’t changed",
          "citation": {
           "quote": "in the last 12 months, your prescribed medication hasn’t changed",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
          "citation": {
           "quote": "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=24",
           "page": 24,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "you have not previously been required to cancel or curtail your travel plans due to your Depression",
          "citation": {
           "quote": "you have not previously been required to cancel or curtail your travel plans due to your Depression",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Ear Grommets",
        "citation": {
         "quote": "Ear Grommets",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
         "page": 25,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no current infection",
          "citation": {
           "quote": "Provided no current infection",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hiatus Hernia",
        "citation": {
         "quote": "Hiatus Hernia",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
         "page": 25,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no surgery is planned",
          "citation": {
           "quote": "Provided no surgery is planned",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hypercholesterolaemia (High Cholesterol)",
        "citation": {
         "quote": "Hypercholesterolaemia (High Cholesterol)",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
         "page": 25,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no cardiovascular disease and/or no diabetes",
          "citation": {
           "quote": "Provided no cardiovascular disease and/or no diabetes",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hyperlipidaemia (High Blood Lipids)",
        "citation": {
         "quote": "Hyperlipidaemia (High Blood Lipids)",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
         "page": 25,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no cardiovascular disease and/or no diabetes",
          "citation": {
           "quote": "Provided no cardiovascular disease and/or no diabetes",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hypertension (High Blood Pressure)",
        "citation": {
         "quote": "Hypertension (High Blood Pressure)",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
         "page": 25,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "Provided no cardiovascular disease and/or no diabetes",
          "citation": {
           "quote": "Provided no cardiovascular disease and/or no diabetes",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Pregnancy",
        "citation": {
         "quote": "Pregnancy",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
         "page": 25,
         "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If it is a single, uncomplicated pregnancy – cover up to the 24th week i.e. up to 23 weeks, 6 days provided",
          "citation": {
           "quote": "If it is a single, uncomplicated pregnancy – cover up to the 24th week i.e. up to 23 weeks, 6 days provided",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
           "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "the conception was not medically assisted e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation (IVF)",
          "citation": {
           "quote": "the conception was not medically assisted e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation (IVF)",
           "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
           "page": 25,
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           "confirmed": "2026-11-05"
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         }
        ]
       }
      ],
      "notes": [
       {
        "line": "Diabetes, high cholesterol, high blood lipids and high blood pressure (marked * in the table) are not covered automatically for anyone with a history of cardiovascular disease that is an existing medical condition.",
        "quote": "If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions are also excluded",
        "citation": {
         "quote": "If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions are also excluded",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
         "page": 25,
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         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "The automatically included conditions stay covered even if you do not pay for, or are refused, cover for other conditions.",
        "quote": "Note the existing medical conditions we automatically include are still available to you even if you don’t pay the relevant premium for cover of any approved existing medical condition or we have not agreed to provide you with cover for any other existing medical condition",
        "citation": {
         "quote": "Note the existing medical conditions we automatically include are still available to you even if you don’t pay the relevant premium for cover of any approved existing medical condition or we have not agreed to provide you with cover for any other existing medical condition",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=26",
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         "confirmed": "2026-11-05"
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      ],
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       {
        "line": "Any other existing medical condition is not covered at all.",
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        "citation": {
         "quote": "If your existing medical condition is not automatically included (see policy condition 14. Existing medical conditions we automatically include on pages 46-48) we will not provide any cover for any claims which in any way relate to, or are exacerbated by, that condition",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
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       },
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        "line": "You can apply for cover for it by completing a health assessment before the journey.",
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        "citation": {
         "quote": "you can apply for cover by completing a health assessment before you start the journey",
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        }
       },
       {
        "line": "If the assessment is approved, a premium must be paid before the journey.",
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        "citation": {
         "quote": "If your assessment is approved, to obtain the cover, you must pay a premium to us before you start the journey",
         "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=25",
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       }
      ]
     },
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     "quote": "Overseas Travel Insurance",
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    },
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     "citation": {
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   "page": "https://www.macquarie.com.au/help/personal/international-and-travel/travelling-overseas/credit-card-travel-insurance.html",
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     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
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    },
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     "why": "this document does not say who owns the policy",
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     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
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     },
     "citation": {
      "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
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     },
     "citation": {
      "quote": "Effective 18 June 2025",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=1",
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    },
    "charge_requirement": {
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     "amount_aud": null,
     "note": "no dollar minimum: the whole outbound fare for the trip must go on the card",
     "quote": "pay the full amount of Your outbound Return Trip that ticket for Your Scheduled Flight or eligibility condition Scheduled Cruise leaving Australia using: 3 applies to, i",
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    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
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      "first_seen_at": "2026-10-06T08:42:21Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3",
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      "confirmed": "2026-11-05"
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    },
    "effective_date": {
     "effective_date": "2025-03-26",
     "quote": "Effective: 26 March 2025",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
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      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Effective: 26 March 2025",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=1",
      "page": 1,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
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    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
      "first_seen_at": "2026-10-06T08:42:21Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
      "page": 10,
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      "confirmed": "2026-11-05"
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    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
      "first_seen_at": "2026-10-06T08:42:21Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
      "page": 10,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05"
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    },
    "residency": {
     "required": true,
     "quote": "you permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
      "first_seen_at": "2026-10-06T08:42:21Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
      "page": 10,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05"
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    },
    "age_limit": {
     "status": "not_stated",
     "why": "this document states no single age limit of 60 years or more",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
      "first_seen_at": "2026-10-15T06:48:00Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 4,
       "unit": "months",
       "applies_to": "cardholders, their spouse and/or dependants",
       "stated": "Up to 4 consecutive months for cardholders, their spouse and/or dependants"
      }
     ],
     "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants The maximum period of cover available for your journey cannot be extended by you",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
      "first_seen_at": "2026-10-06T08:42:21Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants The maximum period of cover available for your journey cannot be extended by you",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
      "page": 10,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05"
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    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
      "first_seen_at": "2026-10-15T06:48:00Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "excluded_unless_approved",
     "quote": "related to or associated with, your pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b",
      "first_seen_at": "2026-10-06T08:42:21Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "citation": {
      "quote": "related to or associated with, your pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=16",
      "page": 16,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05"
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    },
    "covers_offered": {
     "covers": [
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      "Domestic Travel Insurance",
      "Rental Vehicle Excess Insurance in Australia",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance",
      "Overseas Transit Accident Insurance"
     ],
     "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance",
     "evidence": {
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
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      "document": "combined",
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     },
     "citations": [
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       "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
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      {
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       "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
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      {
       "quote": "Rental Vehicle Excess Insurance in Australia",
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      {
       "quote": "Purchase Protection Insurance",
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      {
       "quote": "Extended Warranty Insurance",
       "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3",
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       "confirmed": "2026-11-05"
      },
      {
       "quote": "Overseas Transit Accident Insurance",
       "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
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    },
    "travel_cover": {
     "international": true,
     "domestic": true,
     "named_as": [
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     "evidence": {
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     "citation": {
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   },
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   "review": []
  },
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   "facts": {
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     "footing": "company",
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     "evidence": {
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     "citation": {
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     "evidence": {
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    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
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     "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
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     },
     "citation": {
      "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
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     "effective_date": "2026-05-15",
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     },
     "citation": {
      "quote": "Effective 15 May 2026 Contact Allianz Global Assistance Claims & Enquiries Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia)",
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     "amount_aud": 500,
     "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before leaving Australia",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.age_limit.criterion",
      "stale": false
     },
     "citation": {
      "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 6,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants"
      }
     ],
     "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
      "page": 11,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-15T06:48:00Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "excluded_unless_approved",
     "quote": "No cover is available for any claims arising from, related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "citation": {
      "quote": "No cover is available for any claims arising from, related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=17",
      "page": 17,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    "covers_offered": {
     "covers": [
      "International Travel Insurance",
      "Domestic Travel Insurance",
      "Rental Vehicle Excess Insurance in Australia",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance"
     ],
     "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "International Travel Insurance",
       "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2",
       "page": 2,
       "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Domestic Travel Insurance",
       "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
       "page": 3,
       "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Rental Vehicle Excess Insurance in Australia",
       "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
       "page": 3,
       "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Purchase Protection Insurance",
       "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
       "page": 3,
       "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Extended Warranty Insurance",
       "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
       "page": 3,
       "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "travel_cover": {
     "international": true,
     "domestic": true,
     "named_as": [
      "International Travel Insurance",
      "Domestic Travel Insurance"
     ],
     "quote": "Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email:…",
     "evidence": {
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1",
      "first_seen_at": "2026-10-06T08:42:22Z",
      "rule": "card.travel_cover.headings",
      "stale": false
     },
     "citation": {
      "quote": "Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email:",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2",
      "page": 2,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    }
   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Allianz Australia Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "234708"
   },
   "review": []
  },
  {
   "programme_slug": "bendigo-cards",
   "issuer": "Bendigo Bank",
   "programme": "Bendigo credit card insurance",
   "page": "https://www.bendigobank.com.au/disclosure-documents/",
   "governing_document": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
   "documents": [
    {
     "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
     "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024",
     "role": "combined",
     "governs": "current",
     "note": "One booklet for four cards, and unusually the entry-level Bendigo Ready card gets the international travel cover too.",
     "status": "ok",
     "http_status": 200,
     "words": 24432,
     "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
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     "retrieved_at": "2026-11-04T23:16:00Z"
    }
   ],
   "facts": {
    "insurer": {
     "name": "Allianz Australia Insurance Limited",
     "abn": "15000122850",
     "afsl": "234708",
     "footing": "company",
     "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.insurer.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
      "page": 2,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
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    },
    "group_policy_manager": {
     "name": "AWP Australia Pty Ltd",
     "abn": "52097227177",
     "afsl": "245631",
     "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.manager.labelled",
      "stale": false
     },
     "citation": {
      "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
      "page": 2,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
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    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-15T06:48:02Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=3",
      "page": 3,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2024-10-16",
     "quote": "Cover applies to events occurring on or after 16 October 2024",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.effective_date.applies_from",
      "stale": false
     },
     "citation": {
      "quote": "Cover applies to events occurring on or after 16 October 2024",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=3",
      "page": 3,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
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    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
      "page": 10,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
      "page": 10,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
      "page": 10,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.age_limit.criterion",
      "stale": false
     },
     "citation": {
      "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
      "page": 10,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
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    },
    "period_of_cover": {
     "periods": [
      {
       "count": 3,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to 3 consecutive months for cardholders, their spouses and/or dependants"
      }
     ],
     "note": "Read by hand because this booklet prints its journey cap and its twelve-month evacuation allowance close enough together, and in a similar enough shape, that the reader cannot tell which is which; the allowance is the longer number and is not a limit on a journey.",
     "read_by_hand": true,
     "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-15T06:48:02Z",
      "rule": "card.read_by_hand",
      "stale": false
     },
     "citation": {
      "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=11",
      "page": 11,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-15T06:48:02Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "see_document",
     "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "citation": {
      "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=8",
      "page": 8,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
      "confirmed": "2026-11-05"
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    },
    "covers_offered": {
     "covers": [
      "International Travel Insurance",
      "Domestic Travel Insurance",
      "Rental Vehicle Excess Insurance in Australia",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance"
     ],
     "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf",
      "first_seen_at": "2026-10-06T08:41:25Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "International Travel Insurance",
       "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
       "page": 2,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
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      },
      {
       "quote": "Domestic Travel Insurance",
       "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
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      },
      {
       "quote": "Rental Vehicle Excess Insurance in Australia",
       "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
       "page": 2,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Purchase Protection Insurance",
       "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
       "page": 2,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Extended Warranty Insurance",
       "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
       "page": 2,
       "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "travel_cover": {
     "international": true,
     "domestic": true,
     "named_as": [
      "International Travel Insurance",
      "Domestic Travel Insurance"
     ],
     "quote": "International Travel Insurance…",
     "evidence": {
      "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
      "http_status": 200,
      "document": "combined",
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      "rule": "card.travel_cover.headings",
      "stale": false
     },
     "citation": {
      "quote": "International Travel Insurance",
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      "page": 2,
      "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
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    }
   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Allianz Australia Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "234708"
   },
   "review": []
  },
  {
   "programme_slug": "great-southern-bank-cards",
   "issuer": "Great Southern Bank",
   "programme": "Great Southern Bank platinum credit cards complimentary insurances",
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   "documents": [
    {
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     "role": "combined",
     "governs": "current",
     "note": "A narrow booklet: international travel and purchase protection only, with no domestic travel and no rental vehicle excess. The Low Rate card does not get it.",
     "status": "ok",
     "http_status": 200,
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   ],
   "facts": {
    "insurer": {
     "name": "Allianz Australia Insurance Limited",
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     "footing": "company",
     "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
     "evidence": {
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     },
     "citation": {
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    "group_policy_manager": {
     "name": "AWP Australia Pty Ltd",
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     "evidence": {
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      "http_status": 200,
      "document": "combined",
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     },
     "citation": {
      "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000",
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    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
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    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
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     "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
      "http_status": 200,
      "document": "combined",
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     },
     "citation": {
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    },
    "effective_date": {
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     "evidence": {
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      "http_status": 200,
      "document": "combined",
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     },
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    },
    "charge_requirement": {
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     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
     "evidence": {
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
      "http_status": 200,
      "document": "combined",
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      "rule": "card.charge_requirement.minimum",
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     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=10",
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    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "evidence": {
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
      "http_status": 200,
      "document": "combined",
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      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
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    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
     "evidence": {
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
      "http_status": 200,
      "document": "combined",
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     },
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
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    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged 81 years or over is excluded",
     "scope": "International Travel Insurance",
     "note": "This booklet states no age condition in its eligibility section: the cap is a general exclusion instead. A reader who checks only the eligibility criteria would conclude there is no age limit.",
     "read_by_hand": true,
     "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
     "evidence": {
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
      "http_status": 200,
      "document": "combined",
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      "rule": "card.read_by_hand",
      "stale": false
     },
     "citation": {
      "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=14",
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    },
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       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to 4 consecutive months for cardholders, their spouses and/or dependants"
      }
     ],
     "note": "Read by hand for the same reason as Bendigo's. Four months is the longest journey cap of any programme read that states one in months.",
     "read_by_hand": true,
     "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
     "evidence": {
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
      "http_status": 200,
      "document": "combined",
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     },
     "citation": {
      "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
      "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=11",
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    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
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     "evidence": {
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     "why": "this document does not require Australian residency in terms this reader recognises",
     "evidence": {
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    },
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     "why": "this document states no single age limit of 60 years or more",
     "evidence": {
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    },
    "period_of_cover": {
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     "why": "this document carries no travel cover, so anything it states about a journey, an age or what must go on the card is about another kind of cover",
     "evidence": {
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     "why": "no sentence requires the cover to be activated",
     "evidence": {
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     "status": "not_stated",
     "why": "this document does not mention pre-existing conditions",
     "evidence": {
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     "quote": "Purchase Protection Insurance; Extended Warranty Insurance",
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     "means": "this document carries no travel cover: it was read in full and states no travel benefit",
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     "citation": {
      "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
      "page": 3,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "policy_owner": {
     "name": "Melbourne",
     "named_as": "the short form the document defined",
     "quote": "Melbourne is the policy owner",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.policy_owner.declared",
      "stale": false
     },
     "citation": {
      "quote": "Melbourne is the policy owner",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
      "page": 7,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
      "page": 7,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2023-04-05",
     "quote": "Effective date: 5 April 2023",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Effective date: 5 April 2023",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=1",
      "page": 1,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
      "page": 17,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
      "page": 17,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia and your journey begins and ends in Australia",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you reside in Australia and your journey begins and ends in Australia",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
      "page": 17,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "International Travel Insurance (for persons aged under 81 years)",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.age_limit.or_younger",
      "stale": false
     },
     "citation": {
      "quote": "International Travel Insurance (for persons aged under 81 years)",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
      "page": 4,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 6,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants"
      },
      {
       "count": 3,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants 18",
       "stated": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18"
      }
     ],
     "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=18",
      "page": 18,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-15T06:48:03Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "automatic_for_listed",
     "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "automatically_covered": {
      "read_by_hand": true,
      "written_on": "2026-11-06",
      "written_against_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "term_used": "pre-existing medical condition",
      "section": {
       "quote": "Pre-existing medical conditions that are covered (some restrictions apply)",
       "citation": {
        "quote": "Pre-existing medical conditions that are covered (some restrictions apply)",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
        "page": 29,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      },
      "who": [
       {
        "line": "The travel cover, and so the list, is only for people aged under 81 when they become eligible for the cover.",
        "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available",
        "citation": {
         "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
         "page": 17,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "lead": {
       "line": "A condition in the table is covered without assessment if it meets that condition's requirements.",
       "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
       "citation": {
        "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
        "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
        "page": 29,
        "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
        "confirmed": "2026-11-05"
       }
      },
      "criteria_for_every_condition": [],
      "count": 13,
      "conditions": [
       {
        "name": "Acne",
        "citation": {
         "quote": "Acne",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have not required treatment by a medical adviser in the last three (3) consecutive months",
          "citation": {
           "quote": "If you have not required treatment by a medical adviser in the last three (3) consecutive months",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Allergies",
        "citation": {
         "quote": "Allergies",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma",
          "citation": {
           "quote": "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Asthma",
        "citation": {
         "quote": "Asthma",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months",
          "citation": {
           "quote": "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Cataracts/Glaucoma",
        "citation": {
         "quote": "Cataracts/Glaucoma",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months",
          "citation": {
           "quote": "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Coeliac Disease",
        "citation": {
         "quote": "Coeliac Disease",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months",
          "citation": {
           "quote": "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Diabetes/Glucose Intolerance",
        "citation": {
         "quote": "Diabetes/Glucose Intolerance",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months",
          "citation": {
           "quote": "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less",
          "citation": {
           "quote": "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "You must also not currently be undergoing treatment for kidney, eye or nerve complications",
          "citation": {
           "quote": "You must also not currently be undergoing treatment for kidney, eye or nerve complications",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Ear Grommets",
        "citation": {
         "quote": "Ear Grommets",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "With no current infection",
          "citation": {
           "quote": "With no current infection",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Epilepsy",
        "citation": {
         "quote": "Epilepsy",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years",
          "citation": {
           "quote": "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Gastric Reflux",
        "citation": {
         "quote": "Gastric Reflux",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer)",
          "citation": {
           "quote": "If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer)",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Gout",
        "citation": {
         "quote": "Gout",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the gout has remained stable for the last nine (9) consecutive months",
          "citation": {
           "quote": "If the gout has remained stable for the last nine (9) consecutive months",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hiatus Hernia",
        "citation": {
         "quote": "Hiatus Hernia",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If no surgery is planned",
          "citation": {
           "quote": "If no surgery is planned",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hip/Knee Replacement",
        "citation": {
         "quote": "Hip/Knee Replacement",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago",
          "citation": {
           "quote": "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hypertension (High Blood Pressure)",
        "citation": {
         "quote": "Hypertension (High Blood Pressure)",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)",
          "citation": {
           "quote": "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)",
           "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
           "page": 30,
           "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
           "confirmed": "2026-11-05"
          }
         }
        ]
       }
      ],
      "notes": [
       {
        "line": "A listed condition that does not meet its requirements can still be put forward for assessment.",
        "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy",
        "citation": {
         "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
         "page": 29,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "otherwise": [
       {
        "line": "A pre-existing condition that is not covered is excluded from every claim.",
        "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
        "citation": {
         "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
         "page": 29,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "Before travelling you can ask Allianz Global Assistance to assess the condition, online or by phone.",
        "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone",
        "citation": {
         "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
         "page": 29,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "If Allianz accepts it, a $45 administration fee is payable, by phone or online.",
        "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment",
        "citation": {
         "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment",
         "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
         "page": 29,
         "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     "citation": {
      "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
      "page": 29,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    },
    "covers_offered": {
     "covers": [
      "International Travel Insurance",
      "Interstate Flight Inconvenience Insurance",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance",
      "Overseas Transit Accident Insurance"
     ],
     "quote": "International Travel Insurance; Interstate Flight Inconvenience Insurance; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "International Travel Insurance",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
       "page": 3,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Interstate Flight Inconvenience Insurance",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
       "page": 5,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Purchase Protection Insurance",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
       "page": 6,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Extended Warranty Insurance",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
       "page": 6,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Overseas Transit Accident Insurance",
       "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
       "page": 5,
       "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
       "confirmed": "2026-11-05"
      }
     ]
    },
    "travel_cover": {
     "international": true,
     "domestic": true,
     "named_as": [
      "International Travel Insurance",
      "Interstate Flight Inconvenience Insurance"
     ],
     "quote": "Letter of Eligibility for International Travel Insurance",
     "evidence": {
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.travel_cover.headings",
      "stale": false
     },
     "citation": {
      "quote": "Letter of Eligibility for International Travel Insurance",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
      "page": 3,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05"
     }
    }
   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Allianz Australia Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "234708"
   },
   "review": []
  },
  {
   "programme_slug": "banksa-cards",
   "issuer": "BankSA",
   "programme": "BankSA credit cards complimentary insurance",
   "page": "https://www.banksa.com.au/personal/credit-cards/manage/insurance-cover",
   "governing_document": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
   "documents": [
    {
     "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
     "label": "BankSA Credit Cards Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
     "role": "combined",
     "governs": "current",
     "note": "Also a Westpac division, and also substantially St.George's document -- with one real difference: BankSA's Level 2 list adds the Australian Medical Association Gold Visa and the Law Society Gold Visa, which appear in neither of the other two.",
     "status": "ok",
     "http_status": 200,
     "words": 27068,
     "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
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     "retrieved_at": "2026-11-04T23:16:02Z"
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   ],
   "facts": {
    "insurer": {
     "name": "Allianz Australia Insurance Limited",
     "abn": "15000122850",
     "afsl": "234708",
     "footing": "company",
     "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.insurer.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
      "page": 3,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "group_policy_manager": {
     "name": "AWP Australia Pty Ltd",
     "abn": "52097227177",
     "afsl": "245631",
     "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.manager.labelled",
      "stale": false
     },
     "citation": {
      "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance Level 16, 310 Ann Street, Brisbane, QLD 4000",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
      "page": 3,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "policy_owner": {
     "name": "BankSA",
     "named_as": "the short form the document defined",
     "quote": "BankSA is the policy owner",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.policy_owner.declared",
      "stale": false
     },
     "citation": {
      "quote": "BankSA is the policy owner",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
      "page": 7,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
      "page": 7,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2023-04-05",
     "quote": "Effective Date: 5 April 2023",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Effective Date: 5 April 2023",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=1",
      "page": 1,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "charge_requirement": {
     "kind": "minimum_amount",
     "amount_aud": 500,
     "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.charge_requirement.minimum",
      "stale": false
     },
     "citation": {
      "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=19",
      "page": 19,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "required": true,
     "quote": "you have a return overseas travel ticket before you leave Australia",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.return_ticket.required",
      "stale": false
     },
     "citation": {
      "quote": "you have a return overseas travel ticket before you leave Australia",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=19",
      "page": 19,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "residency": {
     "required": true,
     "quote": "you reside in Australia and your journey begins and ends in Australia",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "you reside in Australia and your journey begins and ends in Australia",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=19",
      "page": 19,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "International Travel Insurance (for persons aged under 81 years)",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.age_limit.or_younger",
      "stale": false
     },
     "citation": {
      "quote": "International Travel Insurance (for persons aged under 81 years)",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
      "page": 4,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 6,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants"
      },
      {
       "count": 3,
       "unit": "months",
       "applies_to": "cardholders, their spouses and/or dependants",
       "stated": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants"
      }
     ],
     "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants The maximum period of cover available for your journey cannot be extended by you",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-15T06:48:03Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "automatic_for_listed",
     "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "automatically_covered": {
      "read_by_hand": true,
      "written_on": "2026-11-06",
      "written_against_sha256": "1bdc3db36e3c0989e06c90ec034051c23a58cdf02251d742c6652fa5bb6f8ad3",
      "term_used": "pre-existing medical condition",
      "section": {
       "quote": "Pre-existing medical conditions that are covered (some restrictions apply)",
       "citation": {
        "quote": "Pre-existing medical conditions that are covered (some restrictions apply)",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
        "page": 30,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      },
      "who": [
       {
        "line": "The travel cover, and so the list, is only for people aged under 81 when they become eligible for the cover.",
        "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available",
        "citation": {
         "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=19",
         "page": 19,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "lead": {
       "line": "A condition in the table is covered without assessment if it meets that condition's requirements.",
       "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
       "citation": {
        "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
        "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
        "page": 30,
        "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
        "confirmed": "2026-11-05"
       }
      },
      "criteria_for_every_condition": [],
      "count": 13,
      "conditions": [
       {
        "name": "Acne",
        "citation": {
         "quote": "Acne",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have not required treatment by a medical adviser in the last three (3) consecutive months",
          "citation": {
           "quote": "If you have not required treatment by a medical adviser in the last three (3) consecutive months",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Allergies",
        "citation": {
         "quote": "Allergies",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma",
          "citation": {
           "quote": "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Asthma",
        "citation": {
         "quote": "Asthma",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months",
          "citation": {
           "quote": "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Cataracts/ Glaucoma",
        "citation": {
         "quote": "Cataracts/ Glaucoma",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months",
          "citation": {
           "quote": "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Coeliac Disease",
        "citation": {
         "quote": "Coeliac Disease",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months",
          "citation": {
           "quote": "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Diabetes/ Glucose Intolerance",
        "citation": {
         "quote": "Diabetes/ Glucose Intolerance",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months",
          "citation": {
           "quote": "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less",
          "citation": {
           "quote": "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         },
         {
          "quote": "You must also not currently be undergoing treatment for kidney, eye or nerve complications",
          "citation": {
           "quote": "You must also not currently be undergoing treatment for kidney, eye or nerve complications",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Ear Grommets",
        "citation": {
         "quote": "Ear Grommets",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "With no current infection",
          "citation": {
           "quote": "With no current infection",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Epilepsy",
        "citation": {
         "quote": "Epilepsy",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years",
          "citation": {
           "quote": "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
           "page": 31,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Gastric Reflux",
        "citation": {
         "quote": "Gastric Reflux",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
         "page": 32,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer)",
          "citation": {
           "quote": "If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer)",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
           "page": 32,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Gout",
        "citation": {
         "quote": "Gout",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
         "page": 32,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If the gout has remained stable for the last nine (9) consecutive months",
          "citation": {
           "quote": "If the gout has remained stable for the last nine (9) consecutive months",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
           "page": 32,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hiatus Hernia",
        "citation": {
         "quote": "Hiatus Hernia",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
         "page": 32,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If no surgery is planned",
          "citation": {
           "quote": "If no surgery is planned",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
           "page": 32,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hip/Knee Replacement",
        "citation": {
         "quote": "Hip/Knee Replacement",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
         "page": 32,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago",
          "citation": {
           "quote": "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
           "page": 32,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       },
       {
        "name": "Hypertension (High Blood Pressure)",
        "citation": {
         "quote": "Hypertension (High Blood Pressure)",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
         "page": 32,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        },
        "criteria": [
         {
          "quote": "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)",
          "citation": {
           "quote": "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)",
           "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=32",
           "page": 32,
           "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
           "confirmed": "2026-11-05"
          }
         }
        ]
       }
      ],
      "notes": [
       {
        "line": "A listed condition that does not meet its requirements can still be put forward for assessment.",
        "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy",
        "citation": {
         "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=31",
         "page": 31,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        }
       }
      ],
      "otherwise": [
       {
        "line": "A pre-existing condition that is not covered is excluded from every claim.",
        "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
        "citation": {
         "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "Before travelling you can ask Allianz Global Assistance to assess the condition, online or by phone.",
        "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone",
        "citation": {
         "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        }
       },
       {
        "line": "If Allianz accepts it, a $45 administration fee is payable, by phone or online.",
        "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment",
        "citation": {
         "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment",
         "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
         "page": 30,
         "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     "citation": {
      "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=30",
      "page": 30,
      "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
      "confirmed": "2026-11-05"
     }
    },
    "covers_offered": {
     "covers": [
      "International Travel Insurance",
      "Interstate Flight Inconvenience Insurance",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance",
      "Overseas Transit Accident Insurance"
     ],
     "quote": "International Travel Insurance; Interstate Flight Inconvenience Insurance; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
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      "document": "combined",
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      "first_seen_at": "2026-10-06T08:39:52Z",
      "rule": "card.covers_offered.headings",
      "stale": false
     },
     "citations": [
      {
       "quote": "International Travel Insurance",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
       "page": 3,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Interstate Flight Inconvenience Insurance",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
       "page": 5,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Purchase Protection Insurance",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
       "page": 6,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Extended Warranty Insurance",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
       "page": 6,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
      },
      {
       "quote": "Overseas Transit Accident Insurance",
       "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
       "page": 5,
       "document_sha256": "d1f0e640e6ecbbe45b7a7e101f1d894746cb5ed7d6a41ee4749f1749978b3b8d",
       "confirmed": "2026-11-05"
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    },
    "travel_cover": {
     "international": true,
     "domestic": true,
     "named_as": [
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      "Interstate Flight Inconvenience Insurance"
     ],
     "quote": "Letter of eligibility for International Travel Insurance",
     "evidence": {
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
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      "rule": "card.travel_cover.headings",
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     },
     "citation": {
      "quote": "Letter of eligibility for International Travel Insurance",
      "url": "https://www.banksa.com.au/content/dam/bsa/downloads/accounts_and_cards/BSA_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
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      "confirmed": "2026-11-05"
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   },
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    "matched_name": "Allianz Australia Insurance Limited",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "234708"
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   "review": []
  },
  {
   "programme_slug": "virgin-money-cards",
   "issuer": "Virgin Money",
   "programme": "Virgin Money credit cards complimentary insurance",
   "page": "https://www.virginmoney.com.au/help-and-support/forms-and-important-information/credit-cards",
   "governing_document": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf",
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     "label": "Virgin Money Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
     "role": "combined",
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     "note": "Only the Velocity High Flyer card gets travel cover; the Velocity Flyer card gets purchase protection and an extended warranty and no travel insurance at all. The group policy is held by NAB rather than by Virgin Money.",
     "status": "ok",
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     "footing": "company",
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      "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000",
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=2",
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    "group_policy_manager": {
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     "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street, Brisbane, QLD 4000",
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     },
     "citation": {
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      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=2",
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     "why": "this document does not say who owns the policy",
     "evidence": {
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    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
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     },
     "citation": {
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      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=1",
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    },
    "charge_requirement": {
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     "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
     "evidence": {
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     },
     "citation": {
      "quote": "spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=20",
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     },
     "citation": {
      "quote": "you have a return overseas travel ticket before leaving Australia",
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf#page=20",
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    },
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     "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
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      "http_status": 200,
      "document": "combined",
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     },
     "citation": {
      "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
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    },
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     "maximum_age": 80,
     "stated_as": "aged under 81 years",
     "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
     "evidence": {
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     },
     "citation": {
      "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
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     ],
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     "citation": {
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     "evidence": {
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    },
    "pre_existing_conditions": {
     "cover": "excluded_unless_approved",
     "quote": "related to or associated with any pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the preexisting medical condition causing your claim is covered by the Group Policy",
     "evidence": {
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf",
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     "citation": {
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     "covers": [
      "International Travel Insurance",
      "Domestic Travel Insurance",
      "Rental Vehicle Excess Insurance in Australia",
      "Purchase Protection Insurance",
      "Extended Warranty Insurance"
     ],
     "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance",
     "evidence": {
      "url": "https://www.virginmoney.com.au/content/dam/virginmoney/vma-downloads/credit-cards/credit-cards-complimentary-insurance-terms-and-conditions.pdf",
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     "citations": [
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     "citation": {
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     "citation": {
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     ],
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     "evidence": {
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    },
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     "cover": "excluded",
     "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – I below",
     "evidence": {
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     },
     "citation": {
      "quote": "Pre-Existing Medical Conditions This Policy does not cover any Pre-Existing Medical Conditions under Sections A – I below",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=10",
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     "why": "this document prints no cover name as a heading of its own",
     "evidence": {
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     }
    },
    "travel_cover": {
     "international": true,
     "domestic": false,
     "named_as": null,
     "read_from": "a benefit for overseas medical expenses, the one benefit no travel policy omits",
     "quote": "Section B – Overseas Medical Emergency Expenses Cover",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf",
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      "document": "combined",
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      "first_seen_at": "2026-10-27T04:22:15Z",
      "rule": "card.travel_cover.overseas_medical",
      "stale": false
     },
     "citation": {
      "quote": "Section B – Overseas Medical Emergency Expenses Cover",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf#page=2",
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   },
   "register_check": {
    "outcome": "apra_authorised",
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    "register_section": "Authorised to conduct new or renewal insurance business",
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   },
   "review": [
    {
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     "why": "8 rows or cells of the table could not be tied to a benefit with certainty and are not published; each is listed with its reason under rows_not_read in this programme's card-benefits file",
     "document": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Platinum_Everyday_Credit_Card_Travel_Insurance_Terms.pdf"
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   ]
  },
  {
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   "issuer": "Qantas Money",
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   "page": "https://www.qantasmoney.com/terms-and-forms",
   "governing_document": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
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   "facts": {
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     "footing": "company",
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     },
     "citation": {
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    },
    "group_policy_manager": {
     "status": "not_stated",
     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ec05c098533052bb02b11b4258250e47e0703e31c09f690ba10276738886f89a",
      "first_seen_at": "2026-10-27T04:22:17Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
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      "stale": false
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    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to you solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
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      "first_seen_at": "2026-10-27T04:22:17Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to you solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=6",
      "page": 6,
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      "confirmed": "2026-11-05"
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    },
    "effective_date": {
     "effective_date": "2025-09-08",
     "quote": "Effective 8 September 2025 National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) is the Credit Provider and Issuer of Qantas Money Credit Cards on behalf of Qantas Airways Limited ABN 16 009 661 901",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
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      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
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      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=1",
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    },
    "charge_requirement": {
     "kind": "full_fare",
     "amount_aud": null,
     "note": "no dollar minimum: the whole outbound fare for the trip must go on the card",
     "quote": "departure date you pay the full amount of a return Scheduled Flight or Scheduled Cruise ticket for each Covered Person",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
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      "stale": false
     },
     "citation": {
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      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=8",
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    },
    "return_ticket": {
     "status": "not_stated",
     "why": "this document does not require a return ticket in terms this reader recognises",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
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      "rule": "card.not_stated",
      "stale": false
     }
    },
    "residency": {
     "required": true,
     "quote": "– who are a Resident of Australia",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
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      "first_seen_at": "2026-10-27T04:22:17Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "– who are a Resident of Australia",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
      "page": 7,
      "document_sha256": "403f0f3b0f12fa466619d0cb80fa4087cfe7456c6f952268e1ed47b88b8042f0",
      "confirmed": "2026-11-05"
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    },
    "age_limit": {
     "maximum_age": 79,
     "stated_as": "79 years of age or younger",
     "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ec05c098533052bb02b11b4258250e47e0703e31c09f690ba10276738886f89a",
      "first_seen_at": "2026-10-27T04:22:17Z",
      "rule": "card.age_limit.or_younger",
      "stale": false
     },
     "citation": {
      "quote": "– who are 79 years of age or younger when making a Relevant Travel Purchase",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
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    },
    "period_of_cover": {
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       "unit": "days",
       "applies_to": "Overseas Return Trips",
       "stated": "180 consecutive days for Overseas Return Trips"
      },
      {
       "count": 14,
       "unit": "days",
       "applies_to": "Domestic Return Trips",
       "stated": "14 consecutive days for Domestic Return Trips"
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     ],
     "quote": "(a) 180 consecutive days for Overseas Return Trips",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
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      "first_seen_at": "2026-10-27T04:22:17Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "(a) 180 consecutive days for Overseas Return Trips",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=7",
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    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "ec05c098533052bb02b11b4258250e47e0703e31c09f690ba10276738886f89a",
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      "rule": "card.not_stated",
      "stale": false
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    },
    "pre_existing_conditions": {
     "cover": "excluded",
     "quote": "This Policy does not cover any PreExisting Medical Conditions under Sections A-K below",
     "evidence": {
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf",
      "http_status": 200,
      "document": "combined",
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      "stale": false
     },
     "citation": {
      "quote": "This Policy does not cover any PreExisting Medical Conditions under Sections A-K below",
      "url": "https://www.qantasmoney.com/assets/legals/qmoney/documents/Qantas_Money_Titanium_Credit_Card_Travel_Insurance_Terms.pdf#page=14",
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    },
    "covers_offered": {
     "status": "not_stated",
     "why": "this document prints no cover name as a heading of its own",
     "evidence": {
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      "http_status": 200,
      "document": "combined",
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    },
    "travel_cover": {
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     "domestic": false,
     "named_as": null,
     "read_from": "a benefit for overseas medical expenses, the one benefit no travel policy omits",
     "quote": "Section B – Overseas Medical Emergency Expenses Cover",
     "evidence": {
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      "document": "combined",
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     },
     "citation": {
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   "review": [
    {
     "what": "some benefit limits",
     "why": "12 rows or cells of the table could not be tied to a benefit with certainty and are not published; each is listed with its reason under rows_not_read in this programme's card-benefits file",
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  },
  {
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   "issuer": "P&N Bank",
   "programme": "P&N Bank Visa Platinum credit card insurance",
   "page": "https://www.pnbank.com.au/cards/credit-cards/visa-platinum/",
   "governing_document": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
   "documents": [
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     "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
     "role": "combined",
     "governs": "current",
     "note": "The group policy is held by Cuscal, the mutuals' payments provider, not by P&N -- which is why this booklet and Beyond Bank's are the same policy under two bank names. Neither document says so on its face.",
     "status": "ok",
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   "facts": {
    "insurer": {
     "name": "Chubb Insurance Australia Limited",
     "abn": "23001642020",
     "afsl": null,
     "footing": "company",
     "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
     "evidence": {
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      "stale": false
     },
     "citation": {
      "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=9",
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    },
    "group_policy_manager": {
     "status": "not_stated",
     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
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      "stale": false
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    },
    "policy_owner": {
     "name": "Cuscal Limited",
     "quote": "is pursuant to a Group Policy held by Cuscal Limited, issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687), the benefit of which is provided on a complimentary basis to Visa Platinum Credit Card Members, subject to eligibility requirements, terms, conditions, limits and…",
     "evidence": {
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     },
     "citation": {
      "quote": "is pursuant to a Group Policy held by Cuscal Limited, issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687), the benefit of which is provided on a complimentary basis to Visa Platinum Credit Card Members, subject to eligibility requirements, terms, conditions, limits and",
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     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-06T08:41:26Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "status": "not_stated",
     "why": "this document carries no effective date on a line of its own and no sentence saying which events it applies to",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-15T06:48:05Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "charge_requirement": {
     "kind": "full_fare",
     "amount_aud": null,
     "note": "no dollar minimum: the whole outbound fare for the trip must go on the card",
     "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s P&N Bank Card Account",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-06T08:41:26Z",
      "rule": "card.charge_requirement.full_fare",
      "stale": false
     },
     "citation": {
      "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s P&N Bank Card Account",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=10",
      "page": 10,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "status": "not_stated",
     "why": "this document does not require a return ticket in terms this reader recognises",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-15T06:48:05Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "residency": {
     "required": true,
     "quote": "who are a Resident of Australia",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-06T08:41:26Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "who are a Resident of Australia",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 79,
     "stated_as": "79 years of age or younger",
     "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-06T08:41:26Z",
      "rule": "card.age_limit.or_younger",
      "stale": false
     },
     "citation": {
      "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 14,
       "unit": "days",
       "applies_to": "a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
       "stated": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip"
      },
      {
       "count": 180,
       "unit": "days",
       "applies_to": "an Overseas Return Trip",
       "stated": "eighty (180) consecutive days for an Overseas Return Trip"
      }
     ],
     "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-06T08:41:26Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-15T06:48:05Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "excluded",
     "quote": "Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-06T08:41:26Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "citation": {
      "quote": "Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=7",
      "page": 7,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     }
    },
    "covers_offered": {
     "status": "not_stated",
     "why": "this document prints no cover name as a heading of its own",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-15T06:48:05Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "travel_cover": {
     "international": true,
     "domestic": false,
     "named_as": null,
     "read_from": "a benefit for overseas medical expenses, the one benefit no travel policy omits",
     "quote": "Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24 Section E - Loss of Income Cover 24 Section F - Resumption of Long Overseas Trip Cover 25 Section G - Trip Delay Cover 26 3",
     "evidence": {
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc",
      "first_seen_at": "2026-10-06T08:41:26Z",
      "rule": "card.travel_cover.overseas_medical",
      "stale": false
     },
     "citation": {
      "quote": "Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24 Section E - Loss of Income Cover 24 Section F - Resumption of Long Overseas Trip Cover 25 Section G - Trip Delay Cover 26 3",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=3",
      "page": 3,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05"
     }
    }
   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Chubb Insurance Australia Ltd",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "239687"
   },
   "review": [
    {
     "what": "some benefit limits",
     "why": "9 rows or cells of the table could not be tied to a benefit with certainty and are not published; each is listed with its reason under rows_not_read in this programme's card-benefits file",
     "document": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf"
    }
   ]
  },
  {
   "programme_slug": "beyond-bank-cards",
   "issuer": "Beyond Bank",
   "programme": "Beyond Bank Visa Platinum credit card insurance",
   "page": "https://www.beyondbank.com.au/about-us/corporate-governance/disclosures/disclosure-documents/",
   "governing_document": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
   "documents": [
    {
     "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
     "label": "Beyond Bank Visa Platinum Credit Card Insurance Policy Information Booklet, effective 1 February 2025",
     "role": "combined",
     "governs": "current",
     "note": "Beneficiary of the same Cuscal group policy as P&N Bank, with identical gates and limits. Beyond Bank's current card range lists only a Low Rate Visa, so this looks like a legacy card still serviced for existing holders; no dated withdrawal statement was found, so none is asserted.",
     "status": "ok",
     "http_status": 200,
     "words": 28043,
     "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
     "bytes_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
     "retrieved_at": "2026-11-04T23:16:04Z"
    }
   ],
   "facts": {
    "insurer": {
     "name": "Chubb Insurance Australia Limited",
     "abn": "23001642020",
     "afsl": null,
     "footing": "company",
     "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.insurer.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=8",
      "page": 8,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
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    },
    "group_policy_manager": {
     "status": "not_stated",
     "why": "this document does not say who issues and manages the policy for the insurer",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-15T06:48:06Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "policy_owner": {
     "status": "not_stated",
     "why": "this document does not say who owns the policy",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-15T06:48:06Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "cover_basis": {
     "basis": "group_policy_beneficiary",
     "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
     "quote": "Section 48 of the Insurance Contracts Act This Policy sets out important information about the insurance benefits available to eligible Card Members, Additional Card Members, their Spouses and Dependent Children",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.cover_basis.beneficiary",
      "stale": false
     },
     "citation": {
      "quote": "Section 48 of the Insurance Contracts Act This Policy sets out important information about the insurance benefits available to eligible Card Members, Additional Card Members, their Spouses and Dependent Children",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=4",
      "page": 4,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     }
    },
    "effective_date": {
     "effective_date": "2025-02-01",
     "quote": "Effective 1 February 2025 Visa Platinum Credit Card Insurance Policy Terms and Conditions",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.effective_date.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Effective 1 February 2025 Visa Platinum Credit Card Insurance Policy Terms and Conditions",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=1",
      "page": 1,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
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    },
    "charge_requirement": {
     "kind": "full_fare",
     "amount_aud": null,
     "note": "no dollar minimum: the whole outbound fare for the trip must go on the card",
     "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s Visa Platinum Credit Card Account",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.charge_requirement.full_fare",
      "stale": false
     },
     "citation": {
      "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s Visa Platinum Credit Card Account",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=8",
      "page": 8,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     }
    },
    "return_ticket": {
     "status": "not_stated",
     "why": "this document does not require a return ticket in terms this reader recognises",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-15T06:48:06Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "residency": {
     "required": true,
     "quote": "who are a Resident of Australia",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.residency.required",
      "stale": false
     },
     "citation": {
      "quote": "who are a Resident of Australia",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=4",
      "page": 4,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     }
    },
    "age_limit": {
     "maximum_age": 79,
     "stated_as": "79 years of age or younger",
     "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.age_limit.or_younger",
      "stale": false
     },
     "citation": {
      "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=4",
      "page": 4,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     }
    },
    "period_of_cover": {
     "periods": [
      {
       "count": 14,
       "unit": "days",
       "applies_to": "a Domestic Return Trip",
       "stated": "Fourteen (14) consecutive days for a Domestic Return Trip"
      },
      {
       "count": 180,
       "unit": "days",
       "applies_to": "an Overseas Return Trip • who are a Resident of Australia",
       "stated": "eighty (180) consecutive days for an Overseas Return Trip • who are a Resident of Australia"
      }
     ],
     "quote": "- Fourteen (14) consecutive days for a Domestic Return Trip",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.period_of_cover.stated",
      "stale": false
     },
     "citation": {
      "quote": "- Fourteen (14) consecutive days for a Domestic Return Trip",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=4",
      "page": 4,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     }
    },
    "activation": {
     "status": "not_stated",
     "why": "no sentence requires the cover to be activated",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-15T06:48:06Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "pre_existing_conditions": {
     "cover": "excluded",
     "quote": "Pre-Existing Medical Conditions COVID-19 This Policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.pre_existing.stated",
      "stale": false
     },
     "citation": {
      "quote": "Pre-Existing Medical Conditions COVID-19 This Policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=6",
      "page": 6,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     }
    },
    "covers_offered": {
     "status": "not_stated",
     "why": "this document prints no cover name as a heading of its own",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-15T06:48:06Z",
      "rule": "card.not_stated",
      "stale": false
     }
    },
    "travel_cover": {
     "international": true,
     "domestic": false,
     "named_as": null,
     "read_from": "a benefit for overseas medical expenses, the one benefit no travel policy omits",
     "quote": "Section B - Overseas Medical Emergency Expenses Cover 33 Section C - Accidental Death Cover 35 Section D - Transport Accident Cover 36 Section E - Loss of Income Cover 37 Section F - Resumption of Long Overseas Trip Cover 38 1",
     "evidence": {
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf",
      "http_status": 200,
      "document": "combined",
      "content_sha256": "160cf0da13615a4f167b8307bae4ebe5472630b26dea34883da86a6f19b14e4d",
      "first_seen_at": "2026-10-06T08:41:27Z",
      "rule": "card.travel_cover.overseas_medical",
      "stale": false
     },
     "citation": {
      "quote": "Section B - Overseas Medical Emergency Expenses Cover 33 Section C - Accidental Death Cover 35 Section D - Transport Accident Cover 36 Section E - Loss of Income Cover 37 Section F - Resumption of Long Overseas Trip Cover 38 1",
      "url": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf#page=2",
      "page": 2,
      "document_sha256": "e163d30228be08d0ed6ecbae78f793af1784cf4341d023baf266ca77544680ad",
      "confirmed": "2026-11-05"
     }
    }
   },
   "register_check": {
    "outcome": "apra_authorised",
    "authorised": true,
    "matched_name": "Chubb Insurance Australia Ltd",
    "register_section": "Authorised to conduct new or renewal insurance business",
    "afs_licence_number": "239687"
   },
   "review": [
    {
     "what": "some benefit limits",
     "why": "6 rows or cells of the table could not be tied to a benefit with certainty and are not published; each is listed with its reason under rows_not_read in this programme's card-benefits file",
     "document": "https://brand.beyondbank.com.au/m/33ac4eb7282b00c7/original/Platinum-Credit-Card-Insurance-Policy.pdf"
    }
   ]
  }
 ]
}