{
 "programme_slug": "bank-of-melbourne-cards",
 "issuer": "Bank of Melbourne",
 "programme": "Bank of Melbourne credit card complimentary insurance",
 "issuer_page": "https://www.bankofmelbourne.com.au/personal/credit-cards/manage/insurance-cover",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/bank-of-melbourne-cards/",
 "governing_document": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
 "documents": [
  {
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
   "label": "Bank of Melbourne Credit Card Complimentary Insurance Policy Information Booklet, effective 5 April 2023",
   "role": "combined",
   "governs": "current",
   "note": "Bank of Melbourne is a division of Westpac, and this booklet is substantially the document St.George publishes: the gates, limits and card tiers are word for word the same. It is read separately because it is a separate document with its own effective date, and because a cardholder of one bank cannot rely on another's.",
   "words": 27147
  }
 ],
 "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",
  "citation": {
   "quote": "Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 Level 16, 10 Carrington Street, Sydney, NSW 2000",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
   "page": 3,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "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",
  "citation": {
   "quote": "AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631, trading as Allianz Global Assistance, of Level 16, 310 Ann Street, Brisbane, QLD 4000",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
   "page": 3,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "policy_owner": {
  "name": "Melbourne",
  "quote": "Melbourne is the policy owner",
  "citation": {
   "quote": "Melbourne is the policy owner",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
   "page": 7,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "cover_basis": {
  "basis": "group_policy_beneficiary",
  "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
  "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "When eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=7",
   "page": 7,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2023-04-05",
  "quote": "Effective date: 5 April 2023",
  "citation": {
   "quote": "Effective date: 5 April 2023",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=1",
   "page": 1,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "minimum_amount",
  "amount_aud": 500,
  "note": null,
  "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
  "citation": {
   "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs (i.e",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
   "page": 17,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": {
  "required": true,
  "quote": "you have a return overseas travel ticket before you leave Australia",
  "citation": {
   "quote": "you have a return overseas travel ticket before you leave Australia",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
   "page": 17,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "residency": {
  "required": true,
  "quote": "you reside in Australia and your journey begins and ends in Australia",
  "citation": {
   "quote": "you reside in Australia and your journey begins and ends in Australia",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=17",
   "page": 17,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 80,
  "stated_as": "aged under 81 years",
  "quote": "International Travel Insurance (for persons aged under 81 years)",
  "citation": {
   "quote": "International Travel Insurance (for persons aged under 81 years)",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=4",
   "page": 4,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 6,
    "unit": "months",
    "applies_to": "cardholders, their spouses and/or dependants",
    "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants"
   },
   {
    "count": 3,
    "unit": "months",
    "applies_to": "cardholders, their spouses and/or dependants 18",
    "stated": "Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18"
   }
  ],
  "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18",
  "citation": {
   "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants Level 2 Cards Up to three (3) consecutive months for cardholders, their spouses and/or dependants 18",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=18",
   "page": 18,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "automatic_for_listed",
  "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
  "citation": {
   "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=29",
   "page": 29,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  },
  "automatically_covered": {
   "where": "listed in the document",
   "pds_url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf",
   "how_to_read": "A condition is covered without applying only if it is in conditions, the traveller meets every one of criteria_for_every_condition and that condition's own criteria, and who (where given) includes them. Anything else follows otherwise. names is the list alone, for matching a reader's condition. Each name and criterion is quoted exactly from the document, as is each sentence's quote: page is the PDF page it is printed on (document_cited gives the url, the bytes' sha256 and the day it was confirmed), and cited_in is where every name, criterion and sentence is published with its own citation.",
   "names": [
    "Acne",
    "Allergies",
    "Asthma",
    "Cataracts/Glaucoma",
    "Coeliac Disease",
    "Diabetes/Glucose Intolerance",
    "Ear Grommets",
    "Epilepsy",
    "Gastric Reflux",
    "Gout",
    "Hiatus Hernia",
    "Hip/Knee Replacement",
    "Hypertension (High Blood Pressure)"
   ],
   "read_by_hand": true,
   "written_on": "2026-11-06",
   "written_against_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156",
   "term_used": "pre-existing medical condition",
   "section": {
    "quote": "Pre-existing medical conditions that are covered (some restrictions apply)",
    "page": 29
   },
   "who": [
    {
     "line": "The travel cover, and so the list, is only for people aged under 81 when they become eligible for the cover.",
     "quote": "you are aged under eighty one (81) years at the time you become eligible for the cover available",
     "page": 17
    }
   ],
   "lead": {
    "line": "A condition in the table is covered without assessment if it meets that condition's requirements.",
    "quote": "The pre-existing medical conditions listed in the following table are covered under this International Travel Insurance without assessment, provided the pre-existing medical condition you have meets the specified requirements that must be met",
    "page": 29
   },
   "criteria_for_every_condition": [],
   "count": 13,
   "conditions": [
    {
     "name": "Acne",
     "criteria": [
      "If you have not required treatment by a medical adviser in the last three (3) consecutive months"
     ],
     "page": 30
    },
    {
     "name": "Allergies",
     "criteria": [
      "If the condition has not required treatment by a medical adviser in the last nine (9) consecutive months and you have no known respiratory conditions e.g. Asthma"
     ],
     "page": 30
    },
    {
     "name": "Asthma",
     "criteria": [
      "If no exacerbation requiring treatment by a medical adviser in the last twelve (12) consecutive months"
     ],
     "page": 30
    },
    {
     "name": "Cataracts/Glaucoma",
     "criteria": [
      "If you have no ongoing complications, are not on a waiting list for an operation and have not been operated on in the last two (2) consecutive months"
     ],
     "page": 30
    },
    {
     "name": "Coeliac Disease",
     "criteria": [
      "If the condition has not required treatment by a medical adviser in the last six (6) consecutive months"
     ],
     "page": 30
    },
    {
     "name": "Diabetes/Glucose Intolerance",
     "criteria": [
      "If you were diagnosed over twelve (12) consecutive months ago and have not had any complications in the last twelve (12) consecutive months",
      "You must also have a Blood Sugar Level reading between four (4) and twelve (12) or a HbA1C score of nine per cent (9%) or less",
      "You must also not currently be undergoing treatment for kidney, eye or nerve complications"
     ],
     "page": 30
    },
    {
     "name": "Ear Grommets",
     "criteria": [
      "With no current infection"
     ],
     "page": 30
    },
    {
     "name": "Epilepsy",
     "criteria": [
      "If there are no underlying medical conditions (e.g. Previous head trauma, stroke) and you have not required treatment by a medical adviser for a seizure in the last two (2) consecutive years"
     ],
     "page": 30
    },
    {
     "name": "Gastric Reflux",
     "criteria": [
      "If the condition does not relate to another underlying diagnosis (e.g. Hernia / Gastric Ulcer)"
     ],
     "page": 30
    },
    {
     "name": "Gout",
     "criteria": [
      "If the gout has remained stable for the last nine (9) consecutive months"
     ],
     "page": 30
    },
    {
     "name": "Hiatus Hernia",
     "criteria": [
      "If no surgery is planned"
     ],
     "page": 30
    },
    {
     "name": "Hip/Knee Replacement",
     "criteria": [
      "If performed more than nine (9) consecutive months ago and less than ten (10) consecutive years ago"
     ],
     "page": 30
    },
    {
     "name": "Hypertension (High Blood Pressure)",
     "criteria": [
      "If you have no known heart conditions and your current blood pressure reading is lower than one hundred and sixty five over ninety five (165/95)"
     ],
     "page": 30
    }
   ],
   "notes": [
    {
     "line": "A listed condition that does not meet its requirements can still be put forward for assessment.",
     "quote": "If your condition is listed in the table, but the criteria for cover are not met, you may still apply for assessment of whether the pre-existing medical condition you have is covered by the group policy",
     "page": 29
    }
   ],
   "otherwise": [
    {
     "line": "A pre-existing condition that is not covered is excluded from every claim.",
     "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
     "page": 29
    },
    {
     "line": "Before travelling you can ask Allianz Global Assistance to assess the condition, online or by phone.",
     "quote": "Before going overseas, you can apply for assessment of whether your pre-existing medical condition is covered by the group policy online or over the phone",
     "page": 29
    },
    {
     "line": "If Allianz accepts it, a $45 administration fee is payable, by phone or online.",
     "quote": "you will need to pay an administration fee of $45 for assessment by phone or an administration fee of $45 for an online assessment",
     "page": 29
    }
   ],
   "document_cited": {
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf"
   },
   "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=bank-of-melbourne-cards].facts.pre_existing_conditions.automatically_covered"
  }
 },
 "covers_offered": {
  "covers": [
   "International Travel Insurance",
   "Interstate Flight Inconvenience Insurance",
   "Purchase Protection Insurance",
   "Extended Warranty Insurance",
   "Overseas Transit Accident Insurance"
  ],
  "quote": "International Travel Insurance; Interstate Flight Inconvenience Insurance; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance",
  "citations": [
   {
    "quote": "International Travel Insurance",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
    "page": 3,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Interstate Flight Inconvenience Insurance",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
    "page": 5,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Purchase Protection Insurance",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
    "page": 6,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Extended Warranty Insurance",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=6",
    "page": 6,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Overseas Transit Accident Insurance",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=5",
    "page": 5,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": true,
  "named_as": [
   "International Travel Insurance",
   "Interstate Flight Inconvenience Insurance"
  ],
  "means": null,
  "quote": "Letter of Eligibility for International Travel Insurance",
  "citation": {
   "quote": "Letter of Eligibility for International Travel Insurance",
   "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=3",
   "page": 3,
   "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {
  "overseas_medical": {
   "stated": "Unlimited~",
   "kind": "unlimited",
   "amount_aud": null,
   "section": "1.2",
   "citation": {
    "quote": "1.2 Overseas Emergency Medical",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
    "page": 20,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05",
    "cells": [
     "Unlimited~"
    ]
   }
  },
  "cancellation": {
   "stated": "Unlimited~ except:",
   "kind": "unlimited",
   "amount_aud": null,
   "section": "2.1",
   "citation": {
    "quote": "2.1 Cancellation",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
    "page": 21,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05",
    "cells": [
     "Unlimited~ except:"
    ]
   }
  },
  "luggage_total": {
   "stated": "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories.",
   "kind": "amount",
   "amount_aud": 30000,
   "section": "4.1.1 a]",
   "citation": {
    "quote": "4.1.1 a] Luggage",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
    "page": 22,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories."
    ]
   }
  },
  "rental_vehicle_excess": {
   "stated": "Up to a maximum total limit of $5,500.",
   "kind": "amount",
   "amount_aud": 5500,
   "section": "5.1",
   "citation": {
    "quote": "5.1 Rental Vehicle Excess",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
    "page": 23,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $5,500."
    ]
   }
  },
  "personal_liability": {
   "stated": "Up to a maximum total limit of $2,500,000.",
   "kind": "amount",
   "amount_aud": 2500000,
   "section": "6.1",
   "citation": {
    "quote": "6.1 Personal Liability",
    "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
    "page": 23,
    "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $2,500,000."
    ]
   }
  }
 },
 "limits_read_from": "International Travel Insurance",
 "not_read": [],
 "labels": [
  "overseas",
  "domestic",
  "return-trips-only",
  "pay-part-fare",
  "australian-residents-only",
  "age-to-80",
  "overseas-6-months",
  "overseas-3-months",
  "domestic-14-days",
  "pre-existing-if-approved",
  "pre-existing-some-included"
 ],
 "conditions": {
  "lines": [
   "Overseas, a trip that starts and ends in Australia is covered once you have charged at least $500 of prepaid travel costs, such as fares, taxes or accommodation, to the card before you leave, and you hold a return ticket.",
   "Within Australia, only interstate flights are covered (cancellation, delay, luggage and funeral costs), and only when you charge the whole return fare to the card before you go.",
   "You have to live in Australia, and for overseas cover be under 81 when you qualify.",
   "One overseas trip is covered for up to six months with a Level 1 card (Amplify Signature, Vertigo Platinum, Platinum Mastercard, Visa Platinum Private Clients) or three months with a Level 2 card (Amplify Platinum, Platinum Advantage Visa, Gold Low Rate and Gold Advantage cards). An interstate trip is covered for up to 14 days.",
   "Overseas, pre-existing medical conditions are not covered unless the insurer confirms in writing that yours is, apart from a list of conditions covered automatically when they meet set requirements."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "a31b3269547ce4c0399c28389d93cceac3af2b2c529890baba3cbd620048e156"
 },
 "generated_at": "2026-11-06T03:57:27Z",
 "benefit_tables": [
  {
   "cover": "International Travel Insurance",
   "kind": "limit",
   "rule": "card.limits.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance",
     "is_sub_limit": false,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "1.1 Overseas Emergency Assistance",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Emergency Medical",
     "is_sub_limit": false,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "1.2 Overseas Emergency Medical",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Overseas Emergency Dental (spontaneous toothache)",
     "is_sub_limit": false,
     "stated": "Emergency dental treatment for sudden and acute pain to natural teeth (spontaneous toothache) up to a maximum total limit of $2,000 per person.",
     "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.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Emergency dental treatment for sudden and acute pain to natural teeth (spontaneous toothache) up to a maximum total limit of $2,000 per person."
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Evacuation & Repatriation",
     "is_sub_limit": false,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "1.4 Evacuation & Repatriation",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "1.5",
     "benefit_as_printed": "Hospital Cash Allowance",
     "is_sub_limit": false,
     "stated": "$100 per person per day up to a maximum total limit of $15,000 per person.",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.5 Hospital Cash Allowance",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$100 per person per day up to a maximum total limit of $15,000 per person."
      ]
     }
    },
    {
     "section": "1.6",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "stated": "$50,000 per cardholder $25,000 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": "1.6 Accidental Death",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$50,000 per cardholder $25,000 per spouse $25,000 per dependant Up to a maximum total limit of $150,000."
      ]
     }
    },
    {
     "section": "1.7",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "1.7 Funeral Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "1.8",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "stated": "Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to twelve (12) consecutive weeks incapacity and a maximum of $12,000 for all claims combined.",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "1.8 Loss of Income",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Your verified income, up to $1,000 per person per week for a cardholder and spouse, limited to twelve (12) consecutive weeks incapacity and a maximum of $12,000 for all claims combined."
      ]
     }
    },
    {
     "section": "1.9",
     "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": "1.9 Assault requiring Hospital Admission",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=20",
      "page": 20,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$500 per person"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "Unlimited~ except:",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~ except:"
      ]
     }
    },
    {
     "section": "2.1.1 a]",
     "benefit_as_printed": "Travel agents cancellation fees",
     "is_sub_limit": true,
     "stated": "• For travel agent’s cancellation fee which is limited to an amount equal to the lesser of $500 or 15% of the value of the travel arranged by the agent.",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1.1 a] Travel agents cancellation fees",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "• For travel agent’s cancellation fee which is limited to an amount equal to the lesser of $500 or 15% of the value of the travel arranged by the agent."
      ]
     }
    },
    {
     "section": "2.1.1 b]",
     "benefit_as_printed": "Accidental death of specified relative living overseas",
     "is_sub_limit": true,
     "stated": "• $2,500 per person up to a maximum total limit of $5,000.",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "2.1.1 b] Accidental death of specified relative living overseas",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "• $2,500 per person up to a maximum total limit of $5,000."
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "3.1.1 a]",
     "benefit_as_printed": "Additional travel & accommodation expenses due to your incapacity",
     "is_sub_limit": true,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3.1.1 a] Additional travel & accommodation expenses due to your incapacity",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "3.1.1 b]",
     "benefit_as_printed": "Emergency travel & accommodation expenses for a necessary companion",
     "is_sub_limit": true,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3.1.1 b] Emergency travel & accommodation expenses for a necessary companion",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "3.1.1 c]",
     "benefit_as_printed": "Additional travel & accommodation expenses due to your travel companions incapacity",
     "is_sub_limit": true,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3.1.1 c] Additional travel & accommodation expenses due to your travel companions incapacity",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "3.1.1 d]",
     "benefit_as_printed": "Expenses due to your evacuation or repatriation home",
     "is_sub_limit": true,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3.1.1 d] Expenses due to your evacuation or repatriation home",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "3.1.1 e]",
     "benefit_as_printed": "Repatriation of dependants left without supervision",
     "is_sub_limit": true,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3.1.1 e] Repatriation of dependants left without supervision",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=21",
      "page": 21,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "3.1.1 f]",
     "benefit_as_printed": "Additional travel & accommodation expenses due to specified events",
     "is_sub_limit": true,
     "stated": "Unlimited~",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "3.1.1 f] Additional travel & accommodation expenses due to specified events",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited~"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "stated": "After six (6) consecutive hours delay, up to $500 per person for meal and accommodation expenses up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants.",
     "kind": "amount",
     "amount_aud": 1100,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "After six (6) consecutive hours delay, up to $500 per person for meal and accommodation expenses up to a maximum total limit of $1,100 for a cardholder travelling with their spouse and/or dependants."
      ]
     }
    },
    {
     "section": "3.3",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,750.",
     "kind": "amount",
     "amount_aud": 3750,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.3 Alternative Transport Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,750."
      ]
     }
    },
    {
     "section": "3.4",
     "benefit_as_printed": "Return Home & Resumption of Journey following Death of a Relative",
     "is_sub_limit": false,
     "stated": "Up to $5,750 per person up to a maximum total limit of $12,500 for a cardholder travelling with their spouse and/or dependants.",
     "kind": "amount",
     "amount_aud": 12500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.4 Return Home & Resumption of Journey following Death of a Relative",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,750 per person up to a maximum total limit of $12,500 for a cardholder travelling with their spouse and/or dependants."
      ]
     }
    },
    {
     "section": "3.5",
     "benefit_as_printed": "Domestic Pets",
     "is_sub_limit": false,
     "stated": "Up to $50 per 24-hour period up to a maximum total limit of $500.",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.5 Domestic Pets",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $50 per 24-hour period up to a maximum total limit of $500."
      ]
     }
    },
    {
     "section": "3.6",
     "benefit_as_printed": "Hijack",
     "is_sub_limit": false,
     "stated": "Up to $250 per person per 12-hour period. Up to a maximum total limit of $20,000 for a cardholder travelling with their spouse and/or dependants.",
     "kind": "amount",
     "amount_aud": 20000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.6 Hijack",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250 per person per 12-hour period. Up to a maximum total limit of $20,000 for a cardholder travelling with their spouse and/or dependants."
      ]
     }
    },
    {
     "section": "3.7",
     "benefit_as_printed": "Kidnap & Ransom",
     "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": "3.7 Kidnap & Ransom",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $100,000."
      ]
     }
    },
    {
     "section": "4.1.1 a]",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": true,
     "stated": "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories.",
     "kind": "amount",
     "amount_aud": 30000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1.1 a] Luggage",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=22",
      "page": 22,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $20,000 per person up to a maximum total limit of $30,000 for a cardholder travelling with their spouse and/or dependants subject to the following limits: • Up to $5,000 per item for baggage, clothing, personal valuables, portable electrical equipment and binoculars; • Up to $5,500 per camera for cameras and associated equipment/accessories; • Up to $5,500 in total for laptop computers and associated equipment/accessories."
      ]
     }
    },
    {
     "section": "4.1.1 b]",
     "benefit_as_printed": "Luggage (other than valuables, left in a vehicle)",
     "is_sub_limit": true,
     "stated": "Notwithstanding the above limits under sub-section 4.1.1 a], any covered items that are left unattended in a motor vehicle are only insured up to a maximum total limit of $5,000.",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1.1 b] Luggage (other than valuables, left in a vehicle)",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Notwithstanding the above limits under sub-section 4.1.1 a], any covered items that are left unattended in a motor vehicle are only insured up to a maximum total limit of $5,000."
      ]
     }
    },
    {
     "section": "4.1.1 c]",
     "benefit_as_printed": "Luggage (valuables left in a vehicle or checked in luggage)",
     "is_sub_limit": true,
     "stated": "No cover available except as in the circumstances described under 4.1.1 c] which is limited to a maximum of $5,500.",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "4.1.1 c] Luggage (valuables left in a vehicle or checked in luggage)",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "No cover available except as in the circumstances described under 4.1.1 c] which is limited to a maximum of $5,500."
      ]
     }
    },
    {
     "section": "4.1.1 d]",
     "benefit_as_printed": "Sporting Equipment while it is in use",
     "is_sub_limit": true,
     "stated": "No cover available.",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "4.1.1 d] Sporting Equipment while it is in use",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "No cover available."
      ]
     }
    },
    {
     "section": "4.2",
     "benefit_as_printed": "Travel Documents, Transaction Cards & Travellers Cheques",
     "is_sub_limit": false,
     "stated": "Up to $550 per person up to a maximum total limit of $1,250 for a cardholder travelling with their spouse and/ or dependants for travel documents, travellers cheques, bank notes, currency notes, postal orders, money orders, cash or transaction cards.",
     "kind": "amount",
     "amount_aud": 1250,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2 Travel Documents, Transaction Cards & Travellers Cheques",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $550 per person up to a maximum total limit of $1,250 for a cardholder travelling with their spouse and/ or dependants for travel documents, travellers cheques, bank notes, currency notes, postal orders, money orders, cash or transaction cards."
      ]
     }
    },
    {
     "section": "4.3",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Up to $800 per person up to a maximum total limit of $1,600 for a cardholder travelling with a spouse and/ or dependants.",
     "kind": "amount",
     "amount_aud": 1600,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.3 Luggage Delay",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $800 per person up to a maximum total limit of $1,600 for a cardholder travelling with a spouse and/ or dependants."
      ]
     }
    },
    {
     "section": "5.1",
     "benefit_as_printed": "Rental Vehicle Excess",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $5,500.",
     "kind": "amount",
     "amount_aud": 5500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "5.1 Rental Vehicle Excess",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $5,500."
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $2,500,000.",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "6.1 Personal Liability",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=23",
      "page": 23,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $2,500,000."
      ]
     }
    }
   ]
  },
  {
   "cover": "International Travel Insurance",
   "kind": "excess",
   "rule": "card.excesses.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.1 Overseas Emergency Assistance",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Emergency Medical",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.2 Overseas Emergency Medical",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Overseas Emergency Dental (spontaneous toothache)",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.3 Overseas Emergency Dental (spontaneous toothache)",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Evacuation & Repatriation",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.4 Evacuation & Repatriation",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "1.5",
     "benefit_as_printed": "Hospital Cash Allowance",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.5 Hospital Cash Allowance",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "1.6",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.6 Accidental Death",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.7",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.7 Funeral Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.8",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.8 Loss of Income",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.9",
     "benefit_as_printed": "Assault requiring Hospital Admission",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "1.9 Assault requiring Hospital Admission",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "3.3",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.3 Alternative Transport Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "3.4",
     "benefit_as_printed": "Return Home & Resumption of Journey following Death of a Relative",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.4 Return Home & Resumption of Journey following Death of a Relative",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "3.5",
     "benefit_as_printed": "Domestic Pets",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.5 Domestic Pets",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.6",
     "benefit_as_printed": "Hijack",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.6 Hijack",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.7",
     "benefit_as_printed": "Kidnap & Ransom",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.7 Kidnap & Ransom",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "4.1 Luggage",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=24",
      "page": 24,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "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.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25",
      "page": 25,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "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.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25",
      "page": 25,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "5.1",
     "benefit_as_printed": "Rental Vehicle Excess",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "5.1 Rental Vehicle Excess",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25",
      "page": 25,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "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.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=25",
      "page": 25,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    }
   ]
  },
  {
   "cover": "Interstate Flight Inconvenience Insurance",
   "kind": "limit",
   "rule": "card.limits.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "$3,000 maximum total limit",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.1 Cancellation",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=62",
      "page": 62,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,000 maximum total limit"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Flight Delay",
     "is_sub_limit": false,
     "stated": "4 hours or more, $125 per person up to a maximum total limit of $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "2.1 Flight Delay",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=62",
      "page": 62,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "4 hours or more, $125 per person up to a maximum total limit of $500"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "Up to $500 for each item up to a maximum total limit of $1,500",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.1 Luggage",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=62",
      "page": 62,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500 for each item up to a maximum total limit of $1,500"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "12 hours or more, $125 per person charged to the card account, up to a maximum total limit of $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.2 Luggage Delay",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=62",
      "page": 62,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "12 hours or more, $125 per person charged to the card account, up to a maximum total limit of $500"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Funeral expenses",
     "is_sub_limit": false,
     "stated": "Up to $2,500 per person 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 Funeral expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=62",
      "page": 62,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,500 per person up to a maximum total limit of $5,000"
      ]
     }
    }
   ]
  },
  {
   "cover": "Interstate Flight Inconvenience Insurance",
   "kind": "excess",
   "rule": "card.excesses.section_table",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.1 Cancellation",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=63",
      "page": 63,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Flight Delay",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "2.1 Flight Delay",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=63",
      "page": 63,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "$300",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.1 Luggage",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=63",
      "page": 63,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "$300"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.2 Luggage Delay",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=63",
      "page": 63,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "4.1 Funeral Expenses",
      "url": "https://www.bankofmelbourne.com.au/content/dam/bom/downloads/accounts_and_cards/BOM_Consumer_Credit_Card_Complimentary_Insurance_Allianz.pdf#page=63",
      "page": 63,
      "document_sha256": "6b46b82594a4adb1881454d373bf83f2c66d04d5136680d4d6ff04d864d658dd",
      "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."
}