{
 "programme_slug": "amex-platinum",
 "issuer": "American Express",
 "programme": "American Express Platinum Card insurance",
 "issuer_page": "https://www.americanexpress.com/en-au/benefits/travel-insurance/",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/amex-platinum/",
 "governing_document": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf",
 "documents": [
  {
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf",
   "label": "American Express Platinum Card Insurance Terms and Conditions",
   "role": "combined",
   "governs": "current",
   "note": "American Express publishes a separate insurance document for each card it issues; this is the one for the Platinum Card. The others are not read, so nothing here should be taken as describing another American Express card.",
   "words": 32320
  }
 ],
 "insurer": {
  "name": "Chubb Insurance Australia Limited",
  "abn": "23001642020",
  "afsl": "239687",
  "quote": "Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No",
  "citation": {
   "quote": "Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020, AFS Licence No",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=22",
   "page": 22,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "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"
 },
 "group_policy_manager": null,
 "policy_owner": {
  "name": "American Express",
  "quote": "American Express",
  "citation": {
   "quote": "American Express",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=1",
   "page": 1,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "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": "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)",
  "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.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=47",
   "page": 47,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2022-03-15",
  "quote": "Effective 15th March 2022 American Express Australia Limited ABN 92 108 952 085",
  "citation": {
   "quote": "Effective 15th March 2022 American Express Australia Limited ABN 92 108 952 085",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=1",
   "page": 1,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "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": "You are going on an International Return Trip and You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia on Your: i",
  "citation": {
   "quote": "You are going on an International Return Trip and You pay the full amount of Your outbound ticket for a Scheduled Flight or Scheduled Cruise leaving Australia on Your: i",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=9",
   "page": 9,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": null,
 "residency": {
  "required": true,
  "quote": "You are a Resident of Australia",
  "citation": {
   "quote": "You are a Resident of Australia",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=9",
   "page": 9,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 79,
  "stated_as": "79 years of age or younger",
  "quote": "You must be 79 years of age or younger before You make Your Qualifying Travel Purchase",
  "citation": {
   "quote": "You must be 79 years of age or younger before You make Your Qualifying Travel Purchase",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=6",
   "page": 6,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 180,
    "unit": "days",
    "applies_to": null,
    "stated": "trip exceeds 180 consecutive days"
   }
  ],
  "quote": "d) when Your trip exceeds 180 consecutive days",
  "citation": {
   "quote": "d) when Your trip exceeds 180 consecutive days",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=22",
   "page": 22,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "excluded",
  "quote": "Pre-Existing Medical Conditions This Policy does not cover any costs incurred from or relating to any Pre-Existing Medical Condition under Sections A – L (below)",
  "citation": {
   "quote": "Pre-Existing Medical Conditions This Policy does not cover any costs incurred from or relating to any Pre-Existing Medical Condition under Sections A – L (below)",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=5",
   "page": 5,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "covers_offered": null,
 "travel_cover": {
  "international": true,
  "domestic": false,
  "named_as": null,
  "means": null,
  "quote": "before seeking overseas emergency medical Treatment",
  "citation": {
   "quote": "before seeking overseas emergency medical Treatment",
   "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=32",
   "page": 32,
   "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {},
 "limits_read_from": "Travel Insurance, International Return Trip",
 "not_read": [
  "some benefit limits"
 ],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "return-trips-only",
  "pay-whole-fare",
  "points-count",
  "australian-residents-only",
  "age-to-79",
  "overseas-180-days",
  "domestic-180-days",
  "pre-existing-not-covered"
 ],
 "conditions": {
  "lines": [
   "Covers a return trip that starts and ends in Australia, once you have paid the whole outbound flight or cruise fare with your American Express Platinum Card before you leave. Membership Rewards or frequent flyer points count as paying with the card.",
   "A trip within Australia more than 150 km from home also qualifies if you pay the whole outbound flight, cruise, bus or train fare, or spend $500 or more on accommodation, with the card. It has no medical cover.",
   "Your card account has to be current: not cancelled or suspended.",
   "You have to live in Australia.",
   "You have to be 79 or younger when you pay.",
   "One trip is covered for up to 180 days.",
   "Pre-existing medical conditions are not covered."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "c9d41da8c4db30963aededb0f253d8bdc280c3e9b6d373a9046bb4d2863c23d7"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "benefit_tables": [
  {
   "cover": "Travel Insurance",
   "column": "International Return Trip",
   "kind": "limit",
   "rule": "card.limits.schedule_of_benefits",
   "rows": [
    {
     "section": null,
     "benefit_as_printed": "Trip Cancellation and Amendment Cover (section limit)",
     "is_sub_limit": false,
     "page": 18,
     "stated": "Up to $30,000",
     "kind": "amount",
     "amount_aud": 30000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Trip Cancellation and Amendment Cover (section limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=18",
      "page": 18,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $30,000",
       "Up to $30,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Travel agent commission (sub limit)",
     "is_sub_limit": true,
     "page": 18,
     "stated": "Up to $750 or 15% of the total booking amount, whichever is the lesser",
     "kind": "amount",
     "amount_aud": 750,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Travel agent commission (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=18",
      "page": 18,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750 or 15% of the total booking amount, whichever is the lesser",
       "Up to $750 or 15% of the total booking amount, whichever is the lesser"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. Additional travel and accommodation (sub limit)",
     "is_sub_limit": true,
     "page": 18,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. Additional travel and accommodation (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=18",
      "page": 18,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Medical Emergency Expenses Cover 1. In The Event Of A Medical Emergency (section limit)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Medical Emergency Expenses Cover 1. I n The Event Of A Medical Emergency (section limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1.a. In The Event Of A Medical Emergency & Repatriation/Evacuation (sub limit) – costs arising as a result of Terrorism",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $1,000,000",
     "kind": "amount",
     "amount_aud": 1000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.a. In The Event Of A Medical Emergency & Repatriation/Evacuation (sub limit) – costs arising as a result of Terrorism",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,000,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. Emergency Dental (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $1,500",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. Emergency Dental (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "3. Repatriation/Evacuation (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3. Repatriation/Evacuation (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "4. Incidental expenses each 24 hours (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $75 per 24-hour period to a maximum of $5,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "4. Incidental expenses each 24 hours (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $75 per 24-hour period to a maximum of $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "5. Extra accommodation (room only) (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $250 per 24-hour period up to a maximum of $2,500",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "5. Extra accommodation (room only) (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250 per 24-hour period up to a maximum of $2,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6. a) Return economy airfare (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "6. a) Return economy airfare (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6. b) Extra accommodation (room only)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $250 per 24-hour period up to a maximum of $2,500",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "6. b) Extra accommodation (room only)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250 per 24-hour period up to a maximum of $2,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. In The Event Of Your death (Repatriation/Funeral/Burial Costs)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. In The Event Of Your death (Repatriation/ Funeral/Burial Costs)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $15,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "In the event of Your death in a Schengen member state",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to 30,000 EUR",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states no amount in Australian dollars",
     "citation": {
      "quote": "In the event of Your death in a Schengen member state",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 30,000 EUR",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1) Returning to Australia for a Close Relative",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1) Returning to Australia for a Close Relative",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Baggage, Valuables, Money And Travel Documents Cover (section limit)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $30,000",
     "kind": "amount",
     "amount_aud": 30000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Baggage, Valuables, Money And Travel Documents Cover (section limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $30,000",
       "Up to $30,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. Money and Travel Documents (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a. Money and Travel Documents (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,000",
       "Up to $1,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Maximum total of all Valuables (including sub limits i. to iv.);",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $9,000",
     "kind": "amount",
     "amount_aud": 9000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. M aximum total of all Valuables (including sub limits i. to iv.);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $9,000",
       "Up to $9,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "i. One (1) Smartphone (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "i. One (1) Smartphone (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,000",
       "Up to $1,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "ii. One (1) laptop (including accessories sold with the laptop) (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $3,000",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "ii. O ne (1) laptop (including accessories sold with the laptop) (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000",
       "Up to $3,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iii. One (1) camera (including lenses and accessories) (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iii. O ne (1) camera (including lenses and accessories) (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iv. Any other Valuable item (sub-limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iv. Any other Valuable item (sub-limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. any other single item or Pair or Set of items (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. a ny other single item or Pair or Set of items (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Liability Cover",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $3,000,000",
     "kind": "amount",
     "amount_aud": 3000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability Cover",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000,000",
       "Up to $3,000,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Loss Of Income Cover (section limit)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss Of Income Cover (section limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $15,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Monthly Salary (up to 5 months)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $3,000 per month",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Monthly Salary (up to 5 months)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000 per month",
       "Up to $3,000 per month"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $29,000",
     "kind": "amount",
     "amount_aud": 29000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $29,000",
       "Up to $29,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. return economy airfare",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a. return economy airfare",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $2,000 per 24-hour period to a maximum of $24,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "b. E xtra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000 per 24-hour period to a maximum of $24,000",
       "Up to $2,000 per 24-hour period to a maximum of $24,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $29,000",
     "kind": "amount",
     "amount_aud": 29000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $29,000",
       "Up to $29,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a) return economy airfare",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a) return economy airfare",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b) Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $2,000 per 24-hour period to a maximum of $24,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "b) E xtra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000 per 24-hour period to a maximum of $24,000",
       "Up to $2,000 per 24-hour period to a maximum of $24,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Loss Damage Waiver Cover",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $125,000",
     "kind": "amount",
     "amount_aud": 125000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss Damage Waiver Cover",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $125,000",
       "Up to $125,000"
      ]
     }
    }
   ]
  },
  {
   "cover": "Travel Insurance",
   "column": "Domestic Return Trip",
   "kind": "limit",
   "rule": "card.limits.schedule_of_benefits",
   "rows": [
    {
     "section": null,
     "benefit_as_printed": "Trip Cancellation and Amendment Cover (section limit)",
     "is_sub_limit": false,
     "page": 18,
     "stated": "Up to $30,000",
     "kind": "amount",
     "amount_aud": 30000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Trip Cancellation and Amendment Cover (section limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=18",
      "page": 18,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $30,000",
       "Up to $30,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Travel agent commission (sub limit)",
     "is_sub_limit": true,
     "page": 18,
     "stated": "Up to $750 or 15% of the total booking amount, whichever is the lesser",
     "kind": "amount",
     "amount_aud": 750,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Travel agent commission (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=18",
      "page": 18,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750 or 15% of the total booking amount, whichever is the lesser",
       "Up to $750 or 15% of the total booking amount, whichever is the lesser"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. Additional travel and accommodation (sub limit)",
     "is_sub_limit": true,
     "page": 18,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. Additional travel and accommodation (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=18",
      "page": 18,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "3. Repatriation/Evacuation (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "3. Repatriation/Evacuation (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. In The Event Of Your death (Repatriation/Funeral/Burial Costs)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. In The Event Of Your death (Repatriation/ Funeral/Burial Costs)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $15,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "In the event of Your death in a Schengen member state",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "In the event of Your death in a Schengen member state",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 30,000 EUR",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1) Returning to Australia for a Close Relative",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "1) Returning to Australia for a Close Relative",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Baggage, Valuables, Money And Travel Documents Cover (section limit)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $30,000",
     "kind": "amount",
     "amount_aud": 30000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Baggage, Valuables, Money And Travel Documents Cover (section limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $30,000",
       "Up to $30,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. Money and Travel Documents (sub limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a. Money and Travel Documents (sub limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,000",
       "Up to $1,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Maximum total of all Valuables (including sub limits i. to iv.);",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $9,000",
     "kind": "amount",
     "amount_aud": 9000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. M aximum total of all Valuables (including sub limits i. to iv.);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $9,000",
       "Up to $9,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "i. One (1) Smartphone (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "i. One (1) Smartphone (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,000",
       "Up to $1,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "ii. One (1) laptop (including accessories sold with the laptop) (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $3,000",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "ii. O ne (1) laptop (including accessories sold with the laptop) (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000",
       "Up to $3,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iii. One (1) camera (including lenses and accessories) (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iii. O ne (1) camera (including lenses and accessories) (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iv. Any other Valuable item (sub-limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iv. Any other Valuable item (sub-limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. any other single item or Pair or Set of items (sub limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. a ny other single item or Pair or Set of items (sub limit);",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Liability Cover",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $3,000,000",
     "kind": "amount",
     "amount_aud": 3000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability Cover",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000,000",
       "Up to $3,000,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Loss Of Income Cover (section limit)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss Of Income Cover (section limit)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $15,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Monthly Salary (up to 5 months)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $3,000 per month",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Monthly Salary (up to 5 months)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=20",
      "page": 20,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000 per month",
       "Up to $3,000 per month"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $29,000",
     "kind": "amount",
     "amount_aud": 29000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $29,000",
       "Up to $29,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. return economy airfare",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a. return economy airfare",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $2,000 per 24-hour period to a maximum of $24,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "b. E xtra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000 per 24-hour period to a maximum of $24,000",
       "Up to $2,000 per 24-hour period to a maximum of $24,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $29,000",
     "kind": "amount",
     "amount_aud": 29000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $29,000",
       "Up to $29,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a) return economy airfare",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a) return economy airfare",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b) Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $2,000 per 24-hour period to a maximum of $24,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "b) E xtra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000 per 24-hour period to a maximum of $24,000",
       "Up to $2,000 per 24-hour period to a maximum of $24,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Loss Damage Waiver Cover",
     "is_sub_limit": false,
     "page": 21,
     "stated": "Up to $125,000",
     "kind": "amount",
     "amount_aud": 125000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss Damage Waiver Cover",
      "url": "https://www.americanexpress.com/content/dam/amex/au/benefits/Platinum/PlatinumInsurance.pdf#page=21",
      "page": 21,
      "document_sha256": "2568a8d23a7264f300e9fb7e7709d3a634f45baf66b9083d457de856d7c78117",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $125,000",
       "Up to $125,000"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [
  {
   "what": "some benefit limits",
   "why": "22 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"
  }
 ],
 "no_premium": "There is none. This cover comes with the card; the card's annual fee is a credit product fee, not an insurance premium, and is not collected."
}