{
 "programme_slug": "anz-platinum-black",
 "issuer": "ANZ",
 "programme": "ANZ Platinum and Black personal credit cards complimentary insurance",
 "issuer_page": "https://www.anz.com.au/personal/credit-cards/manage-my-card/complimentary-insurances/",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/anz-platinum-black/",
 "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.",
   "words": 27504
  },
  {
   "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.",
   "words": 28074
  },
  {
   "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.",
   "words": 21327
  }
 ],
 "insurer": {
  "name": "Allianz Australia Insurance Limited",
  "abn": "15000122850",
  "afsl": "234708",
  "quote": "Allianz Australia Insurance Limited, ABN 15 000 122 850, AFSL 234708, Level 16, 10 Carrington Street, Sydney, NSW 2000, telephone 13 10 00",
  "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"
  }
 },
 "register": {
  "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"
 },
 "group_policy_manager": {
  "name": "AWP Australia Pty Ltd",
  "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",
  "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",
  "quote": "ANZ is the policy owner",
  "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)",
  "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",
  "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,
  "note": null,
  "quote": "before leaving Australia you spend at least $250 on your prepaid travel costs (i.e",
  "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",
  "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",
  "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)…",
  "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",
  "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": null,
 "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",
  "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.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=33",
   "page": 33,
   "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
   "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",
  "citations": [
   {
    "quote": "International Travel Insurance",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=4",
    "page": 4,
    "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Domestic Travel Insurance",
    "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"
   },
   {
    "quote": "Rental Vehicle Excess Insurance in Australia",
    "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"
   },
   {
    "quote": "Purchase Protection Insurance",
    "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"
   },
   {
    "quote": "Extended Warranty Insurance",
    "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"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": true,
  "named_as": [
   "International Travel Insurance",
   "Domestic Travel Insurance"
  ],
  "means": null,
  "quote": "Lodge your International Travel Insurance claim at: claimmanager.com.au/anz Access claim forms, 24 hours a day, 7 days a week at: travel.agaassistance.com.au/anz/make-a-claim Phone 1300 135 271 (within Australia) Enquiries Monday to Friday 8am to 7pm AEST Saturday 8am to 5pm AEST Claims Monday to…",
  "citation": {
   "quote": "Lodge your International Travel Insurance claim at: claimmanager.com.au/anz Access claim forms, 24 hours a day, 7 days a week at: travel.agaassistance.com.au/anz/make-a-claim Phone 1300 135 271 (within Australia) Enquiries Monday to Friday 8am to 7pm AEST Saturday 8am to 5pm AEST Claims Monday to",
   "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=4",
   "page": 4,
   "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {
  "overseas_medical": {
   "stated": "$20 million",
   "kind": "amount",
   "amount_aud": 20000000,
   "section": "1.2",
   "citation": {
    "quote": "1.2 Overseas Emergency Medical",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=23",
    "page": 23,
    "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
    "confirmed": "2026-11-05",
    "cells": [
     "$20 million"
    ]
   }
  },
  "cancellation": {
   "stated": "Up to a maximum total limit per cardholder or spouse of $20,000 (dependants are included in the limit available to the cardholder or spouse) except:",
   "kind": "amount",
   "amount_aud": 20000,
   "section": "2.1",
   "citation": {
    "quote": "2.1 Cancellation",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
    "page": 24,
    "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit per cardholder or spouse of $20,000 (dependants are included in the limit available to the cardholder or spouse) except:"
    ]
   }
  },
  "luggage_total": {
   "stated": "Up to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse, subject to the following limits:",
   "kind": "amount",
   "amount_aud": 12000,
   "section": "4.1",
   "citation": {
    "quote": "4.1 Luggage",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
    "page": 26,
    "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse, subject to the following limits:"
    ]
   }
  },
  "rental_vehicle_excess": {
   "stated": "",
   "kind": "stated_in_sub_limits",
   "amount_aud": null,
   "section": "5.1",
   "note": "this section's limits are the sub-limits listed under it",
   "citation": {
    "quote": "5.1 Rental Vehicle Excess",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
    "page": 27,
    "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
    "confirmed": "2026-11-05"
   }
  },
  "personal_liability": {
   "stated": "Up to a maximum total limit of $3,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
   "kind": "amount",
   "amount_aud": 3000000,
   "section": "6.1",
   "citation": {
    "quote": "6.1 Personal Liability",
    "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
    "page": 28,
    "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $3,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
    ]
   }
  }
 },
 "limits_read_from": "International Travel Insurance",
 "not_read": [],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "return-trips-only",
  "pay-part-fare",
  "australian-residents-only",
  "age-to-80",
  "overseas-6-months",
  "overseas-3-months",
  "domestic-28-days",
  "pre-existing-if-approved"
 ],
 "conditions": {
  "lines": [
   "Covers a return trip overseas once you have spent at least $250 of your prepaid travel costs, such as the return air or cruise ticket, with your ANZ Platinum or Black card before you leave Australia.",
   "A trip within Australia is covered if you pay the whole cost of the return domestic flight, or at least $250 of your prepaid travel costs, with the card before you go.",
   "You have to live in Australia, or hold a visa that lets you live here.",
   "For overseas cover you have to be under 81 when you meet these conditions.",
   "One overseas trip is covered for up to six months with an ANZ Black card or three months with an ANZ Platinum card, and a trip within Australia for up to 28 days.",
   "Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "560427ecc3310dfc6ec4ab836d7f305114c8e976a5c4bcf564e3fd3d1e7c88d8"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "benefit_tables": [
  {
   "cover": "International Travel Insurance",
   "kind": "limit",
   "rule": "card.limits.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance (including medical evacuation and repatriation)",
     "is_sub_limit": false,
     "stated": "$20 million",
     "kind": "amount",
     "amount_aud": 20000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.1 Overseas Emergency Assistance (including medical evacuation and repatriation)",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=23",
      "page": 23,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Emergency Medical",
     "is_sub_limit": false,
     "stated": "$20 million",
     "kind": "amount",
     "amount_aud": 20000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.2 Overseas Emergency Medical",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=23",
      "page": 23,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Overseas Emergency Dental (spontaneous toothache)",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.3 Overseas Emergency Dental (spontaneous toothache)",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Hospital Cash Allowance",
     "is_sub_limit": false,
     "stated": "$75 per person per day up to a maximum total limit of $8,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 8000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.4 Hospital Cash Allowance",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$75 per person per day up to a maximum total limit of $8,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "1.5",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "stated": "$50,000 per cardholder $50,000 per spouse $25,000 per dependant up to a maximum total limit of $150,000",
     "kind": "amount",
     "amount_aud": 150000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.5 Accidental Death",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$50,000 per cardholder $50,000 per spouse $25,000 per dependant up to a maximum total limit of $150,000"
      ]
     }
    },
    {
     "section": "1.6",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 25000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.6 Funeral Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "1.7",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "stated": "Your verified income per week, up to a maximum total limit of $10,000 each for a cardholder or spouse. No cover is available for dependants.",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.7 Loss of Income",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Your verified income per week, up to a maximum total limit of $10,000 each for a cardholder or spouse. No cover is available for dependants."
      ]
     }
    },
    {
     "section": "1.8",
     "benefit_as_printed": "Assault requiring Hospital Admission",
     "is_sub_limit": false,
     "stated": "$500 per person",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.8 Assault requiring Hospital Admission",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$500 per person"
      ]
     }
    },
    {
     "section": "1.9",
     "benefit_as_printed": "Permanent Disability",
     "is_sub_limit": false,
     "stated": "$50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 50000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.9 Permanent Disability",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit per cardholder or spouse of $20,000 (dependants are included in the limit available to the cardholder or spouse) except:",
     "kind": "amount",
     "amount_aud": 20000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=24",
      "page": 24,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit per cardholder or spouse of $20,000 (dependants are included in the limit available to the cardholder or spouse) except:"
      ]
     }
    },
    {
     "section": "2.1.1b]",
     "benefit_as_printed": "Travel agents cancellation fees",
     "is_sub_limit": true,
     "stated": "Up to $2,000 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser.",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1.1b] Travel agents cancellation fees",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=25",
      "page": 25,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser."
      ]
     }
    },
    {
     "section": "2.1.1d]",
     "benefit_as_printed": "Rescheduling your journey",
     "is_sub_limit": true,
     "stated": "Up to $75 per day, up to a maximum total limit of $500 per person for reasonable additional meal costs. Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey.",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states a different limit for each card level",
     "citation": {
      "quote": "2.1.1d] Rescheduling your journey",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=25",
      "page": 25,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $75 per day, up to a maximum total limit of $500 per person for reasonable additional meal costs. Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey."
      ]
     }
    },
    {
     "section": "2.2",
     "benefit_as_printed": "Withdrawal of Services",
     "is_sub_limit": false,
     "stated": "Up to $50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "2.2 Withdrawal of Services",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=25",
      "page": 25,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $100,000",
     "kind": "amount",
     "amount_aud": 100000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=25",
      "page": 25,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $100,000"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "stated": "After six (6) consecutive hours, up to $50 for meals and $250 for accommodation per 24 consecutive hours, up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=25",
      "page": 25,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "After six (6) consecutive hours, up to $50 for meals and $250 for accommodation per 24 consecutive hours, up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.3",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.3 Alternative Transport Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=25",
      "page": 25,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.4",
     "benefit_as_printed": "Return Home & Resumption of Journey following the Death or Hospital Admission of a Relative",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.4 Return Home & Resumption of Journey following the Death or Hospital Admission of a Relative",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
      "page": 26,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.5",
     "benefit_as_printed": "Domestic Pet Accommodation",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.5 Domestic Pet Accommodation",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
      "page": 26,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.6",
     "benefit_as_printed": "Emergency Accommodation due to Terrorism",
     "is_sub_limit": false,
     "stated": "Up to $300 per person, per day, up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.6 Emergency Accommodation due to Terrorism",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
      "page": 26,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $300 per person, per day, up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.7",
     "benefit_as_printed": "Hijack",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.7 Hijack",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
      "page": 26,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse, subject to the following limits:",
     "kind": "amount",
     "amount_aud": 12000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1 Luggage",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
      "page": 26,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $12,000 per cardholder or spouse, dependants are included in the limit available to the cardholder or spouse, subject to the following limits:"
      ]
     }
    },
    {
     "section": "4.1.1a]",
     "benefit_as_printed": "Stolen, accidentally damaged or permanently lost covered items",
     "is_sub_limit": true,
     "stated": "Up to $4,000 per item for computers, cameras and video cameras. Up to $1,000 per item for any other covered item, including mobile phones.",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "4.1.1a] Stolen, accidentally damaged or permanently lost covered items",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
      "page": 26,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $4,000 per item for computers, cameras and video cameras.",
       "Up to $1,000 per item for any other covered item, including mobile phones."
      ]
     }
    },
    {
     "section": "4.1.1b]",
     "benefit_as_printed": "Covered items left in a vehicle during daylight hours",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1.1b] Covered items left in a vehicle during daylight hours",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=26",
      "page": 26,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $5,000"
      ]
     }
    },
    {
     "section": "4.1.1c]",
     "benefit_as_printed": "Valuables left in a vehicle or checked-in luggage",
     "is_sub_limit": true,
     "stated": "No cover available, except for the items described in the circumstances under 4.1.1c] of Part E – The Cover Available, which is limited to the maximum item limits in 4.1.1a].",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "4.1.1c] Valuables left in a vehicle or checked-in luggage",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "No cover available, except for the items described in the circumstances under 4.1.1c] of Part E – The Cover Available, which is limited to the maximum item limits in 4.1.1a]."
      ]
     }
    },
    {
     "section": "4.2",
     "benefit_as_printed": "Travel Documents, Transaction Cards & Travellers Cheques",
     "is_sub_limit": false,
     "stated": "",
     "kind": "stated_in_sub_limits",
     "amount_aud": null,
     "note": "this section's limits are the sub-limits listed under it",
     "citation": {
      "quote": "Travel Documents, Transaction Cards & Travellers Cheques",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    {
     "section": "4.2.1a]",
     "benefit_as_printed": "Reissue or replacement cost",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2.1a] Reissue or replacement cost",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "4.2.1b]",
     "benefit_as_printed": "Fraudulent use",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2.1b] Fraudulent use",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "4.3",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Up to $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.3 Luggage Delay",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "4.4",
     "benefit_as_printed": "Replacement Sporting Equipment",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $200 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 200,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.4 Replacement Sporting Equipment",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $200 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "5.1",
     "benefit_as_printed": "Rental Vehicle Excess",
     "is_sub_limit": false,
     "stated": "",
     "kind": "stated_in_sub_limits",
     "amount_aud": null,
     "note": "this section's limits are the sub-limits listed under it",
     "citation": {
      "quote": "5.1 Rental Vehicle Excess",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05"
     }
    },
    {
     "section": "5.1.1a]",
     "benefit_as_printed": "Rental vehicle damage or theft",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "5.1.1a] Rental vehicle damage or theft",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=27",
      "page": 27,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "5.1.1b]",
     "benefit_as_printed": "Return of rental vehicle",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 750,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "5.1.1b] Return of rental vehicle",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 3000000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "6.1 Personal Liability",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "6.2",
     "benefit_as_printed": "Legal Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "6.2 Legal Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    }
   ]
  },
  {
   "cover": "International Travel Insurance",
   "kind": "excess",
   "rule": "card.excesses.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance (including Medical Evacuation and Repatriation)",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Emergency Medical",
     "is_sub_limit": false,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.2 Overseas Emergency Medical",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$500"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Overseas Emergency Dental (spontaneous toothache)",
     "is_sub_limit": false,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.3 Overseas Emergency Dental (spontaneous toothache)",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$500"
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Hospital Cash Allowance",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.4 Hospital Cash Allowance",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.5",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.5 Accidental Death",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.6",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.6 Funeral Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.7",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.7 Loss of Income",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=28",
      "page": 28,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.8",
     "benefit_as_printed": "Assault requiring Hospital Admission",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.8 Assault requiring Hospital Admission",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.9",
     "benefit_as_printed": "Permanent Disability",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.9 Permanent Disability",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$500"
      ]
     }
    },
    {
     "section": "2.2",
     "benefit_as_printed": "Withdrawal of Services",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "2.2 Withdrawal of Services",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$500"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.3",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.3 Alternative Transport Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.4",
     "benefit_as_printed": "Return Home & Resumption of Journey following the Death or Hospital Admission of a Relative",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.4 Return Home & Resumption of Journey following the Death or Hospital Admission of a Relative",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.5",
     "benefit_as_printed": "Domestic Pet Accommodation",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.5 Domestic Pet Accommodation",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.6",
     "benefit_as_printed": "Emergency Accommodation due to Terrorism",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.6 Emergency Accommodation due to Terrorism",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.7",
     "benefit_as_printed": "Hijack",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.7 Hijack",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "4.1 Luggage",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$500"
      ]
     }
    },
    {
     "section": "4.2",
     "benefit_as_printed": "Travel Documents, Transaction Cards & Travellers Cheques",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "4.2 Travel Documents, Transaction Cards & Travellers Cheques",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "4.3",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "4.3 Luggage Delay",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "4.4",
     "benefit_as_printed": "Replacement Sporting Equipment",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "4.4 Replacement Sporting Equipment",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "5.1",
     "benefit_as_printed": "Rental Vehicle Excess",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "5.1 Rental Vehicle Excess",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "6.1 Personal Liability",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "6.2",
     "benefit_as_printed": "Legal Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "6.2 Legal Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=29",
      "page": 29,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    }
   ]
  },
  {
   "cover": "Domestic Travel Insurance",
   "kind": "limit",
   "rule": "card.limits.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,000 for all claims combined",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.1 Cancellation",
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      "page": 62,
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      "confirmed": "2026-11-05",
      "cells": [
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      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Flight Delay Expenses",
     "is_sub_limit": false,
     "stated": "4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined",
     "kind": "amount",
     "amount_aud": 300,
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     "citation": {
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      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,000",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=62",
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      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
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      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "Up to $750 for each covered item, up to a maximum total limit of $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1 Luggage",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=62",
      "page": 62,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750 for each covered item, up to a maximum total limit of $2,000"
      ]
     }
    },
    {
     "section": "4.2",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2 Luggage Delay",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=63",
      "page": 63,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined"
      ]
     }
    }
   ]
  },
  {
   "cover": "Domestic Travel Insurance",
   "kind": "excess",
   "rule": "card.excesses.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "$100",
     "kind": "amount",
     "amount_aud": 100,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.1 Cancellation",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=63",
      "page": 63,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$100"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Flight Delay Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "2.1 Flight Delay Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=63",
      "page": 63,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "$100",
     "kind": "amount",
     "amount_aud": 100,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=63",
      "page": 63,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$100"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "$100",
     "kind": "amount",
     "amount_aud": 100,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "4.1 Luggage",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=63",
      "page": 63,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "$100"
      ]
     }
    },
    {
     "section": "4.2",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "4.2 Luggage Delay",
      "url": "https://www.anz.com.au/content/dam/anzcomau/documents/pdf/anz-platinum-and-black-complimentary-insurance-booklet.pdf#page=63",
      "page": 63,
      "document_sha256": "5d250a546efa9fb396a29e882628c7108561b436761fb40c34183dda9bbb29cd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [],
 "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."
}