{
 "programme_slug": "bendigo-cards",
 "issuer": "Bendigo Bank",
 "programme": "Bendigo credit card insurance",
 "issuer_page": "https://www.bendigobank.com.au/disclosure-documents/",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/bendigo-cards/",
 "governing_document": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
 "documents": [
  {
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf",
   "label": "Bendigo Credit Card Insurance Terms & Conditions, 16 October 2024",
   "role": "combined",
   "governs": "current",
   "note": "One booklet for four cards, and unusually the entry-level Bendigo Ready card gets the international travel cover too.",
   "words": 24432
  }
 ],
 "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.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
   "page": 2,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "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.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
   "page": 2,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "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": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=3",
   "page": 3,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2024-10-16",
  "quote": "Cover applies to events occurring on or after 16 October 2024",
  "citation": {
   "quote": "Cover applies to events occurring on or after 16 October 2024",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=3",
   "page": 3,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "minimum_amount",
  "amount_aud": 500,
  "note": null,
  "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
  "citation": {
   "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
   "page": 10,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": {
  "required": true,
  "quote": "you have a return overseas travel ticket before you leave Australia",
  "citation": {
   "quote": "you have a return overseas travel ticket before you leave Australia",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
   "page": 10,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "residency": {
  "required": true,
  "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
  "citation": {
   "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
   "page": 10,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 80,
  "stated_as": "aged under 81 years",
  "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
  "citation": {
   "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=10",
   "page": 10,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 3,
    "unit": "months",
    "applies_to": "cardholders, their spouses and/or dependants",
    "stated": "Up to 3 consecutive months for cardholders, their spouses and/or dependants"
   }
  ],
  "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
  "citation": {
   "quote": "Up to 3 consecutive months for cardholders, their spouses and/or dependants",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=11",
   "page": 11,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "see_document",
  "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
  "citation": {
   "quote": "Pre-existing Medical Condition an epidemic that spreads to multiple countries, continents, or worldwide, that is recognised or referred to as a pandemic by the World Health Organisation (WHO) or an official government authority",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=8",
   "page": 8,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "covers_offered": {
  "covers": [
   "International Travel Insurance",
   "Domestic Travel Insurance",
   "Rental Vehicle Excess Insurance in Australia",
   "Purchase Protection Insurance",
   "Extended Warranty Insurance"
  ],
  "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance",
  "citations": [
   {
    "quote": "International Travel Insurance",
    "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
    "page": 2,
    "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Domestic Travel Insurance",
    "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
    "page": 2,
    "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Rental Vehicle Excess Insurance in Australia",
    "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
    "page": 2,
    "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Purchase Protection Insurance",
    "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
    "page": 2,
    "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Extended Warranty Insurance",
    "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
    "page": 2,
    "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": true,
  "named_as": [
   "International Travel Insurance",
   "Domestic Travel Insurance"
  ],
  "means": null,
  "quote": "International Travel Insurance…",
  "citation": {
   "quote": "International Travel Insurance",
   "url": "https://www.bendigobank.com.au/globalassets/documents/disclosures/bendigo-credit-card-insurance.pdf#page=2",
   "page": 2,
   "document_sha256": "43a79dfb57af59f69d100c0fbbb5ca6bd44e6915ce40b1aed658a4ac68e5a79e",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {},
 "limits_read_from": null,
 "not_read": [],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "return-trips-only",
  "pay-part-fare",
  "pay-whole-fare",
  "australian-residents-only",
  "age-to-80",
  "overseas-3-months",
  "domestic-14-days",
  "pre-existing-not-covered"
 ],
 "conditions": {
  "lines": [
   "The same cover comes with the Bendigo Ready, Low Rate Platinum, Platinum Rewards and Qantas Platinum cards.",
   "Overseas, a return trip by air or cruise is covered once you have charged at least $500 of prepaid travel costs, such as fares, accommodation or a tour, to the card before you leave.",
   "Within Australia, a return domestic flight is covered when you charge the whole fare, or at least $250 of prepaid travel costs, to the card before you go.",
   "For overseas cover you have to live in Australia and be under 81 when you qualify. Within Australia, claims for the injury, illness or death of anyone 81 or over are not covered.",
   "One trip is covered for up to three months overseas, or 14 days within Australia.",
   "Pre-existing medical conditions are not covered."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "91f2214385a2ad1d67845ba668a9b051ca7cac5eca48f1f0c7ab54de9d4adfdf"
 },
 "generated_at": "2026-11-06T03:09:48Z",
 "benefit_tables": [],
 "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."
}