{
 "programme_slug": "bankwest-cards",
 "issuer": "Bankwest",
 "programme": "Bankwest credit card insurance",
 "issuer_page": "https://www.bankwest.com.au/support/credit-cards/complimentary-insurance",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/bankwest-cards/",
 "governing_document": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf",
 "documents": [
  {
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf",
   "label": "Bankwest Credit Card Insurance Product Disclosure Statement and Information Booklet",
   "role": "combined",
   "governs": "current",
   "note": "The only insurance document Bankwest's own complimentary insurance page links.",
   "words": 27604
  }
 ],
 "insurer": {
  "name": "Zurich Australian Insurance Limited",
  "abn": "13000296640",
  "afsl": "232507",
  "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we”, “our” and “us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as Bankwest and other relevant…",
  "citation": {
   "quote": "Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507 (referred to as “we”, “our” and “us” in relation to the insurance), its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover‑More) as well as Bankwest and other relevant",
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=3",
   "page": 3,
   "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "outcome": "apra_authorised",
  "authorised": true,
  "matched_name": "Zurich Australian Insurance Limited",
  "register_section": "Authorised to conduct new or renewal insurance business",
  "afs_licence_number": null
 },
 "group_policy_manager": null,
 "policy_owner": null,
 "cover_basis": {
  "basis": "group_policy_beneficiary",
  "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
  "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
  "citation": {
   "quote": "cardholders solely by operation of section 48 of the Insurance Contracts Act 1984",
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=52",
   "page": 52,
   "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2026-04-22",
  "quote": "Effective 22 April 2026 1",
  "citation": {
   "quote": "Effective 22 April 2026 1",
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=1",
   "page": 1,
   "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "entire_cost",
  "amount_aud": null,
  "note": "the whole cost of the travel must go on the card, not a part of it",
  "quote": "Transit Accident Insurance: the entire payment for the trip was charged to the cardholder’s eligible credit card account",
  "citation": {
   "quote": "Transit Accident Insurance: the entire payment for the trip was charged to the cardholder’s eligible credit card account",
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=11",
   "page": 11,
   "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": null,
 "residency": null,
 "age_limit": null,
 "period_of_cover": {
  "periods": [
   {
    "count": 12,
    "unit": "months",
    "applies_to": "Bankwest World Mastercard cardholders",
    "stated": "12 consecutive months for Bankwest World Mastercard cardholders"
   }
  ],
  "quote": "12 consecutive months for Bankwest World Mastercard cardholders",
  "citation": {
   "quote": "12 consecutive months for Bankwest World Mastercard cardholders",
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=6",
   "page": 6,
   "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "automatic_for_listed",
  "quote": "Cover is not provided for existing medical conditions unless we automatically include cover for that condition or you apply for and obtain existing medical condition cover for that condition",
  "citation": {
   "quote": "Cover is not provided for existing medical conditions unless we automatically include cover for that condition or you apply for and obtain existing medical condition cover for that condition",
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=23",
   "page": 23,
   "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
   "confirmed": "2026-11-05"
  },
  "automatically_covered": {
   "where": "listed in the document",
   "pds_url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.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",
    "ADHD (Attention Deficit Hyperactivity Disorder)",
    "Bunions",
    "Carpal Tunnel Syndrome",
    "Cataracts",
    "Cleft Palate",
    "Cochlear Implant",
    "Coeliac Disease",
    "Congenital Adrenal Hyperplasia",
    "Congenital Blindness",
    "Congenital Deafness",
    "Conjunctivitis",
    "Dengue Fever",
    "Dry Eye Syndrome",
    "Dupuytrens Contracture",
    "Eczema",
    "Gastric Reflux (GORD)",
    "Glaucoma",
    "Gout",
    "Hay Fever",
    "Hormone Replacement Therapy",
    "Hypothyroidism including Hashimoto’s Disease",
    "Lipoma",
    "Macular Degeneration",
    "Meniere’s Disease",
    "Rhinitis",
    "Rosacea",
    "Sinusitis",
    "Tinnitus",
    "Anxiety",
    "Asthma",
    "Diabetes (type 1 or type 2) or glucose intolerance",
    "Depression",
    "Ear Grommets",
    "Hiatus Hernia",
    "Hypercholesterolaemia (High Cholesterol)",
    "Hyperlipidaemia (High Blood Lipids)",
    "Hypertension (High Blood Pressure)",
    "Pregnancy"
   ],
   "read_by_hand": true,
   "written_on": "2026-11-06",
   "written_against_sha256": "23d8e0bfd24cadfea129470615545445ce3a81f3ce40fd3f47231034ef67813a",
   "term_used": "existing medical condition",
   "section": {
    "quote": "Existing medical conditions we automatically include",
    "page": 24
   },
   "who": [
    {
     "line": "Some existing conditions are covered automatically only for people aged 79 or under at the relevant time.",
     "quote": "However, if you are 79 years of age or less at the relevant time, cover for some existing medical conditions may be automatically included, as described on pages 46-48",
     "page": 23
    }
   ],
   "lead": {
    "line": "A condition in the tables is covered automatically if all four criteria below are met.",
    "quote": "We automatically include cover for an existing medical condition shown in the tables following, provided",
    "page": 24
   },
   "criteria_for_every_condition": [
    {
     "line": "Aged 79 or under at the relevant time.",
     "quote": "you are 79 years of age or less at the relevant time",
     "page": 24
    },
    {
     "line": "No hospital stay, day surgery or emergency department visit for the condition in the 12 months before.",
     "quote": "in the 12 months prior to the relevant time, you have not been hospitalised (including day surgery or emergency department attendance) for that condition",
     "page": 24
    },
    {
     "line": "Never had surgery on a joint, the back, spine, brain or abdomen for the condition that needed at least an overnight hospital stay.",
     "quote": "prior to the relevant time, you have not had surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in hospital for that condition",
     "page": 24
    },
    {
     "line": "The condition meets its own criteria in the table, where it has any.",
     "quote": "your condition meets any criteria shown for that condition",
     "page": 24
    }
   ],
   "count": 39,
   "conditions": [
    {
     "name": "Acne",
     "criteria": [],
     "page": 24
    },
    {
     "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Bunions",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Carpal Tunnel Syndrome",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Cataracts",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Cleft Palate",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Cochlear Implant",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Coeliac Disease",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Congenital Adrenal Hyperplasia",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Congenital Blindness",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Congenital Deafness",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Conjunctivitis",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Dengue Fever",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Dry Eye Syndrome",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Dupuytrens Contracture",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Eczema",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Gastric Reflux (GORD)",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Glaucoma",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Gout",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Hay Fever",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Hormone Replacement Therapy",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Hypothyroidism including Hashimoto’s Disease",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Lipoma",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Macular Degeneration",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Meniere’s Disease",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Rhinitis",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Rosacea",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Sinusitis",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Tinnitus",
     "criteria": [],
     "page": 24
    },
    {
     "name": "Anxiety",
     "criteria": [
      "you have not been diagnosed with Depression in the last 3 years",
      "in the last 12 months, your prescribed medication hasn’t changed",
      "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
      "you have not previously been required to cancel or curtail your travel plans due to your Anxiety"
     ],
     "page": 24
    },
    {
     "name": "Asthma",
     "criteria": [
      "are under 60 years of age",
      "have not smoked for at least the last 18 months",
      "do not need prescribed oxygen outside of a hospital",
      "have no other lung condition or disease"
     ],
     "page": 24
    },
    {
     "name": "Diabetes (type 1 or type 2) or glucose intolerance",
     "criteria": [
      "you are under 50 years of age",
      "first diagnosed more than six months ago",
      "no complications in last 12 months",
      "no kidney, eye or neuropathy complications",
      "no cardiovascular disease"
     ],
     "page": 24
    },
    {
     "name": "Depression",
     "criteria": [
      "you have not been hospitalised for this condition in the last 2 years",
      "in the last 12 months, your prescribed medication hasn’t changed",
      "you are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
      "you have not previously been required to cancel or curtail your travel plans due to your Depression"
     ],
     "page": 24
    },
    {
     "name": "Ear Grommets",
     "criteria": [
      "Provided no current infection"
     ],
     "page": 25
    },
    {
     "name": "Hiatus Hernia",
     "criteria": [
      "Provided no surgery is planned"
     ],
     "page": 25
    },
    {
     "name": "Hypercholesterolaemia (High Cholesterol)",
     "criteria": [
      "Provided no cardiovascular disease and/or no diabetes"
     ],
     "page": 25
    },
    {
     "name": "Hyperlipidaemia (High Blood Lipids)",
     "criteria": [
      "Provided no cardiovascular disease and/or no diabetes"
     ],
     "page": 25
    },
    {
     "name": "Hypertension (High Blood Pressure)",
     "criteria": [
      "Provided no cardiovascular disease and/or no diabetes"
     ],
     "page": 25
    },
    {
     "name": "Pregnancy",
     "criteria": [
      "If it is a single, uncomplicated pregnancy – cover up to the 24th week i.e. up to 23 weeks, 6 days provided",
      "the conception was not medically assisted e.g. using assisted fertility treatment including hormone therapies or in vitro fertilisation (IVF)"
     ],
     "page": 25
    }
   ],
   "notes": [
    {
     "line": "Diabetes, high cholesterol, high blood lipids and high blood pressure (marked * in the table) are not covered automatically for anyone with a history of cardiovascular disease that is an existing medical condition.",
     "quote": "If you have a history of cardiovascular disease, and it is an existing medical condition, cover for these conditions are also excluded",
     "page": 25
    },
    {
     "line": "The automatically included conditions stay covered even if you do not pay for, or are refused, cover for other conditions.",
     "quote": "Note the existing medical conditions we automatically include are still available to you even if you don’t pay the relevant premium for cover of any approved existing medical condition or we have not agreed to provide you with cover for any other existing medical condition",
     "page": 26
    }
   ],
   "otherwise": [
    {
     "line": "Any other existing medical condition is not covered at all.",
     "quote": "If your existing medical condition is not automatically included (see policy condition 14. Existing medical conditions we automatically include on pages 46-48) we will not provide any cover for any claims which in any way relate to, or are exacerbated by, that condition",
     "page": 25
    },
    {
     "line": "You can apply for cover for it by completing a health assessment before the journey.",
     "quote": "you can apply for cover by completing a health assessment before you start the journey",
     "page": 25
    },
    {
     "line": "If the assessment is approved, a premium must be paid before the journey.",
     "quote": "If your assessment is approved, to obtain the cover, you must pay a premium to us before you start the journey",
     "page": 25
    }
   ],
   "document_cited": {
    "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
    "confirmed": "2026-11-05",
    "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf"
   },
   "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=bankwest-cards].facts.pre_existing_conditions.automatically_covered"
  }
 },
 "covers_offered": {
  "covers": [
   "Overseas Travel Insurance"
  ],
  "quote": "Overseas Travel Insurance",
  "citations": [
   {
    "quote": "Overseas Travel Insurance",
    "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=1",
    "page": 1,
    "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": false,
  "named_as": [
   "Overseas Travel Insurance"
  ],
  "means": null,
  "quote": "Overseas Travel Insurance a",
  "citation": {
   "quote": "Overseas Travel Insurance a",
   "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=1",
   "page": 1,
   "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {},
 "limits_read_from": "Complimentary Overseas Travel Insurance",
 "not_read": [],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "australian-residents-only",
  "age-to-79",
  "overseas-31-days",
  "overseas-183-days",
  "domestic-14-days",
  "pre-existing-some-included",
  "pre-existing-if-approved"
 ],
 "conditions": {
  "lines": [
   "Covers a trip overseas from Australia while you hold a Bankwest Platinum Mastercard (not Platinum Zero) or World Mastercard that is activated and not cancelled or suspended. You do not have to pay for the trip with the card or tell anyone you are going.",
   "You have to live in Australia.",
   "If you are 80 or over, claims about your own health under overseas medical, additional expenses and cancellation cover are not covered.",
   "One overseas trip is covered for up to 31 days with a Platinum Mastercard or six months with a World Mastercard. A cruise around Australia counts for overseas medical cover.",
   "A return interstate flight is covered for up to 14 days if you pay its whole cost with the card.",
   "Some listed pre-existing medical conditions are covered automatically if you are 79 or under; others only if your health assessment is approved and you pay a premium."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "23d8e0bfd24cadfea129470615545445ce3a81f3ce40fd3f47231034ef67813a"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "benefit_tables": [
  {
   "cover": "Complimentary Overseas Travel Insurance",
   "column": "Platinum Mastercard",
   "kind": "limit",
   "rule": "card.limits.bankwest_complimentary",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Medical and Hospital Expenses~ – pages 60-62",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$Unlimited*",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "1.1 O verseas Emergency Medical and Hospital Expenses~ – pages 60-62",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited*",
       "$Unlimited*"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Hospital Incidentals~ – page 60",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$15,000* ($100 per 24 hours)",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "1.2 Hospital Incidentals~ – page 60",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$15,000* ($100 per 24 hours)",
       "$15,000* ($100 per 24 hours)"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Assault Requiring Hospitalisation – page 60",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$500*",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.3 A ssault Requiring Hospitalisation – page 60",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$500*",
       "$500*"
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Emergency Dental Expenses~ – page 60",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$2,000* per person",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.4 E mergency Dental Expenses~ – page 60",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,000* per person",
       "$2,000* per person"
      ]
     }
    },
    {
     "section": "2",
     "benefit_as_printed": "Personal Liability – pages 63-64",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability – pages 63-64",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$2,500,000"
      ]
     }
    },
    {
     "section": "3",
     "benefit_as_printed": "Accidental Death – page 64",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$25,000 cardholder $25,000 spouse",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "Accidental Death – page 64",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000 cardholder $25,000 spouse",
       "$25,000 cardholder $25,000 spouse"
      ]
     }
    },
    {
     "section": "4",
     "benefit_as_printed": "Baggage and Personal Goods (Accidental damage, theft and permanent loss)# – pages 65-68",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$20,000 cardholder only $30,000 cardholder with family",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "Baggage and Personal Goods (Accidental damage, theft and permanent loss)# – pages 65-68",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$20,000 cardholder only",
       "$30,000 cardholder with family",
       "$20,000 cardholder only",
       "$30,000 cardholder with family"
      ]
     }
    },
    {
     "section": "6",
     "benefit_as_printed": "Cancellation Costs – pages 72-74",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$Nil See pages 16-19 for Upgraded Benefit details.",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "Cancellation Costs – pages 72-74",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$Nil",
       "See pages 16-19 for Upgraded Benefit details.",
       "$15,000* cardholder only $20,000* cardholder with family"
      ]
     }
    }
   ]
  },
  {
   "cover": "Complimentary Overseas Travel Insurance",
   "column": "World Mastercard",
   "kind": "limit",
   "rule": "card.limits.bankwest_complimentary",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Medical and Hospital Expenses~ – pages 60-62",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$Unlimited*",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "1.1 O verseas Emergency Medical and Hospital Expenses~ – pages 60-62",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited*",
       "$Unlimited*"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Hospital Incidentals~ – page 60",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$15,000* ($100 per 24 hours)",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "1.2 Hospital Incidentals~ – page 60",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$15,000* ($100 per 24 hours)",
       "$15,000* ($100 per 24 hours)"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Assault Requiring Hospitalisation – page 60",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$500*",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.3 A ssault Requiring Hospitalisation – page 60",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$500*",
       "$500*"
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Emergency Dental Expenses~ – page 60",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$2,000* per person",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.4 E mergency Dental Expenses~ – page 60",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,000* per person",
       "$2,000* per person"
      ]
     }
    },
    {
     "section": "2",
     "benefit_as_printed": "Personal Liability – pages 63-64",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability – pages 63-64",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$2,500,000"
      ]
     }
    },
    {
     "section": "3",
     "benefit_as_printed": "Accidental Death – page 64",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$25,000 cardholder $25,000 spouse",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "Accidental Death – page 64",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000 cardholder $25,000 spouse",
       "$25,000 cardholder $25,000 spouse"
      ]
     }
    },
    {
     "section": "4",
     "benefit_as_printed": "Baggage and Personal Goods (Accidental damage, theft and permanent loss)# – pages 65-68",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$20,000 cardholder only $30,000 cardholder with family",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "Baggage and Personal Goods (Accidental damage, theft and permanent loss)# – pages 65-68",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$20,000 cardholder only",
       "$30,000 cardholder with family",
       "$20,000 cardholder only",
       "$30,000 cardholder with family"
      ]
     }
    },
    {
     "section": "5",
     "benefit_as_printed": "Additional Expenses – pages 70-71",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$Unlimited*",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Additional Expenses – pages 70-71",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited*"
      ]
     }
    },
    {
     "section": "6",
     "benefit_as_printed": "Cancellation Costs – pages 72-74",
     "is_sub_limit": false,
     "page": 8,
     "stated": "$15,000* cardholder only $20,000* cardholder with family",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "Cancellation Costs – pages 72-74",
      "url": "https://www.bankwest.com.au/content/dam/bankwest/documents/legal-library/PDS_20210413-162711.pdf#page=8",
      "page": 8,
      "document_sha256": "8e4cc24110d767fc21f35b174d400831e0b72aaacb338ba2003678137a191381",
      "confirmed": "2026-11-05",
      "cells": [
       "$Nil",
       "See pages 16-19 for Upgraded Benefit details.",
       "$15,000* cardholder only $20,000* cardholder with family"
      ]
     }
    }
   ]
  }
 ],
 "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."
}