{
 "programme_slug": "cba-premium-cards",
 "issuer": "CommBank",
 "programme": "CommBank credit card insurances (Platinum, Diamond, Gold and Awards cards)",
 "issuer_page": "https://www.commbank.com.au/travel/travel-insurance/travel-insurance-included.html",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/cba-premium-cards/",
 "governing_document": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
 "documents": [
  {
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf",
   "label": "CommBank Credit Card Insurances Product Disclosure Statement and Information Booklet",
   "role": "combined",
   "governs": "current",
   "note": null,
   "words": 27215
  }
 ],
 "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 the Commonwealth Bank and other…",
  "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 the Commonwealth Bank and other",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "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.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=45",
   "page": 45,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2025-10-29",
  "quote": "Effective 29 October 2025",
  "citation": {
   "quote": "Effective 29 October 2025",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=1",
   "page": 1,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "minimum_amount",
  "amount_aud": 500,
  "note": "the sentence this was read from does not say whether it is the overseas or the domestic figure",
  "quote": "card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia and/ or a copy of the letter/statement/email confirming the redemption of your CommBank Awards points through the CommBank Awards Program or using Travel Booking travel credits on…",
  "citation": {
   "quote": "card to spend at least $500 in a single transaction on your prepaid travel costs before leaving Australia and/ or a copy of the letter/statement/email confirming the redemption of your CommBank Awards points through the CommBank Awards Program or using Travel Booking travel credits on",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=9",
   "page": 9,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": {
  "required": true,
  "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
  "citation": {
   "quote": "in full or part payment for your return overseas travel ticket(s) (including the spend of at least $500 worth of prepaid travel costs redeemed using CommBank Awards points or Travel Booking travel credits on the CBA Travel Sites provided by Hopper)",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=9",
   "page": 9,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  }
 },
 "residency": null,
 "age_limit": null,
 "period_of_cover": {
  "periods": [
   {
    "count": 12,
    "unit": "months",
    "applies_to": "Upgrades",
    "stated": "12 months for Upgrades"
   },
   {
    "count": 3,
    "unit": "months",
    "applies_to": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
    "stated": "3 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified"
   },
   {
    "count": 12,
    "unit": "months",
    "applies_to": "Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified",
    "stated": "12 months for Benefits 1-3, limits are the combined limit for a cardholder and their family per journey and not per person unless specified"
   }
  ],
  "quote": "commencing within 12 months of activation",
  "citation": {
   "quote": "commencing within 12 months of activation",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
   "page": 4,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  }
 },
 "activation": {
  "required": true,
  "quote": "The cardholder will need to complete the 2 steps to activate the Overseas Travel Policy and then apply for the Extension of period of cover Upgrade",
  "citation": {
   "quote": "The cardholder will need to complete the 2 steps to activate the Overseas Travel Policy and then apply for the Extension of period of cover Upgrade",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  }
 },
 "pre_existing_conditions": {
  "cover": "automatic_for_listed",
  "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
  "citation": {
   "quote": "Existing medical conditions for persons aged 79 years and under Cover is not provided for existing medical conditions, except for those automatically accepted as described on pages 22-24, or where you have purchased the Existing medical conditions Upgrade",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  },
  "automatically_covered": {
   "where": "listed in the document",
   "pds_url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.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": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c",
   "term_used": "existing medical condition",
   "section": {
    "quote": "Automatically accepted existing medical conditions",
    "page": 12
   },
   "who": [
    {
     "line": "The list applies to travellers aged 79 and under.",
     "quote": "Existing medical conditions for persons aged 79 years and under",
     "page": 11
    },
    {
     "line": "Anyone aged 80 or over, and anyone with an existing medical condition not on the list, has to activate the Overseas Travel Policy and apply for an Upgrade to be covered under Benefits 1, 2, 4 and 5.",
     "quote": "People aged 80 or over and people with existing medical conditions (not automatically accepted on pages 22-24) must follow the activation process for the Overseas Travel Policy and apply for cover under Upgrades for cover under Benefits 1,2, 4 and 5.",
     "page": 22
    }
   ],
   "lead": {
    "line": "A condition in the tables is covered automatically if all three criteria below are met.",
    "quote": "We automatically accept cover for an existing medical condition shown in the tables following, provided:",
    "page": 12
   },
   "criteria_for_every_condition": [
    {
     "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": 12
    },
    {
     "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": 12
    },
    {
     "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": 12
    }
   ],
   "count": 39,
   "conditions": [
    {
     "name": "Acne",
     "criteria": [],
     "page": 12
    },
    {
     "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Bunions",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Carpal Tunnel Syndrome",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Cataracts",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Cleft Palate",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Cochlear Implant",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Coeliac Disease",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Congenital Adrenal Hyperplasia",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Congenital Blindness",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Congenital Deafness",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Conjunctivitis",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Dengue Fever",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Dry Eye Syndrome",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Dupuytrens Contracture",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Eczema",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Gastric Reflux (GORD)",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Glaucoma",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Gout",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Hay Fever",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Hormone Replacement Therapy",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Hypothyroidism including Hashimoto’s Disease",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Lipoma",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Macular Degeneration",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Meniere’s Disease",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Rhinitis",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Rosacea",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Sinusitis",
     "criteria": [],
     "page": 12
    },
    {
     "name": "Tinnitus",
     "criteria": [],
     "page": 12
    },
    {
     "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": 12
    },
    {
     "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 including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis"
     ],
     "page": 12
    },
    {
     "name": "Diabetes (type 1 or type 2) or glucose intolerance",
     "criteria": [
      "First diagnosed more than 6 months ago",
      "No complications in last 12 months",
      "No kidney, eye or neuropathy complications",
      "No cardiovascular disease"
     ],
     "page": 12
    },
    {
     "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": 12
    },
    {
     "name": "Ear Grommets",
     "criteria": [
      "Provided no current infection"
     ],
     "page": 12
    },
    {
     "name": "Hiatus Hernia",
     "criteria": [
      "Provided no surgery is planned"
     ],
     "page": 12
    },
    {
     "name": "Hypercholesterolaemia (High Cholesterol)",
     "criteria": [
      "Provided no cardiovascular disease and/or no diabetes"
     ],
     "page": 13
    },
    {
     "name": "Hyperlipidaemia (High Blood Lipids)",
     "criteria": [
      "Provided no cardiovascular disease and/or no diabetes"
     ],
     "page": 13
    },
    {
     "name": "Hypertension (High Blood Pressure)",
     "criteria": [
      "Provided no cardiovascular disease and/or no diabetes"
     ],
     "page": 13
    },
    {
     "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": 13
    }
   ],
   "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": 13
    }
   ],
   "otherwise": [
    {
     "line": "Any other existing medical condition is not covered at all.",
     "quote": "If your existing medical condition is not automatically accepted above we will not provide any cover for any claims which in any way relate to, or are exacerbated by, that condition.",
     "page": 13
    },
    {
     "line": "Cover for it can be applied for as the Existing medical conditions Upgrade, for an extra premium if accepted.",
     "quote": "If you want to take cover for existing medical condition(s), you will need to apply for an Existing medical conditions Upgrade.",
     "page": 13
    },
    {
     "line": "An accepted application costs an extra premium.",
     "quote": "If we accept your application for cover of existing medical conditions, an extra premium is payable to us.",
     "page": 13
    }
   ],
   "document_cited": {
    "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
    "confirmed": "2026-11-05",
    "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf"
   },
   "cited_in": "https://deepalmanac.com/au/insurance/travel/v1/card-policies.json programmes[programme_slug=cba-premium-cards].facts.pre_existing_conditions.automatically_covered"
  }
 },
 "covers_offered": {
  "covers": [
   "Overseas Travel Policy"
  ],
  "quote": "Overseas Travel Policy",
  "citations": [
   {
    "quote": "Overseas Travel Policy",
    "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2",
    "page": 2,
    "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": false,
  "named_as": [
   "Overseas Travel Policy"
  ],
  "means": null,
  "quote": "Steps to access the Overseas Travel Policy…",
  "citation": {
   "quote": "Steps to access the Overseas Travel Policy",
   "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {
  "personal_liability": {
   "stated": "$2,500,000",
   "kind": "amount",
   "amount_aud": 2500000,
   "section": "3",
   "citation": {
    "quote": "Personal Liability",
    "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
    "page": 4,
    "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
    "confirmed": "2026-11-05",
    "cells": [
     "$2,500,000",
     "$2,500,000",
     "$2,500,000",
     "$2,500,000"
    ]
   }
  }
 },
 "limits_read_from": "Overseas Travel Policy",
 "not_read": [],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "pay-part-fare",
  "points-count",
  "australian-residents-only",
  "activation-required",
  "age-to-79",
  "overseas-3-months",
  "overseas-12-months",
  "domestic-14-days",
  "domestic-7-days",
  "pre-existing-some-included",
  "pre-existing-if-approved"
 ],
 "conditions": {
  "lines": [
   "Covers a trip overseas once you have spent at least $500 in one transaction on its prepaid travel costs with your eligible CommBank card before you leave Australia. Paying that $500 with CommBank Awards points also counts.",
   "You have to activate the cover in NetBank, the CommBank app or with Cover-More for each trip; if you activate after you leave, there is no cover for the first 3 days.",
   "You have to live in Australia.",
   "If you are 80 or over, overseas medical, funeral and some cancellation cover is not included unless you buy the over-80 upgrade.",
   "One overseas trip is covered for up to 3 months with a Gold, Platinum or Qantas Business Rewards card, or 12 months with a Diamond, Smart Awards or Ultimate Awards card. A cruise around Australia counts for overseas medical cover.",
   "A return interstate flight is covered if you pay its whole cost with a Platinum, Diamond, Smart Awards, Ultimate Awards or Qantas Business Rewards card, for up to 14 days on a personal card or 7 days on a business Platinum or Qantas Business Rewards card.",
   "Some listed pre-existing medical conditions are covered automatically if you are 79 or under; others only if your application for the existing medical conditions upgrade is accepted and you pay its premium."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "d1eebe4c665df77fff9139ed38d287dd927610e33e0f68816e115111a67a7b4c"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "benefit_tables": [
  {
   "cover": "Overseas Travel Policy",
   "column": "Gold, Platinum & Qantas Business Rewards: cardholder only",
   "kind": "limit",
   "rule": "card.limits.commbank_overseas_travel",
   "rows": [
    {
     "section": "1",
     "benefit_as_printed": "Overseas Emergency Medical Assistance~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical Assistance~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "section": "2",
     "benefit_as_printed": "Overseas Emergency Medical and Hospital Expenses~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical and Hospital Expenses~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited",
       "$Unlimited",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Hospital Incidentals",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$7,500 ($75 per 24 hours)",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "– Hospital Incidentals",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500 ($75 per 24 hours)",
       "$7,500 ($75 per 24 hours)",
       "$10,000 ($100 per 24 hours)",
       "$10,000 ($100 per 24 hours)"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Emergency Dental Expenses",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$1,500 per person",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "– Emergency Dental Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person"
      ]
     }
    },
    {
     "section": "3",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$2,500,000",
       "$2,500,000",
       "$2,500,000"
      ]
     }
    },
    {
     "section": "4",
     "benefit_as_printed": "Overseas Funeral or Cremation, or Body Repatriation",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$12,500",
     "kind": "amount",
     "amount_aud": 12500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Funeral or Cremation, or Body Repatriation",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$12,500",
       "$25,000",
       "$12,500",
       "$25,000"
      ]
     }
    },
    {
     "section": "5",
     "benefit_as_printed": "Cancellation Costs",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Cancellation Costs",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": "6",
     "benefit_as_printed": "Resumption of Journey",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Resumption of Journey",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$5,000",
       "$10,000"
      ]
     }
    },
    {
     "section": "7",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$25,000",
     "kind": "amount",
     "amount_aud": 25000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Accidental Death",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "$25,000 cardholder",
       "$25,000 spouse $5,000 child",
       "$50,000",
       "$50,000 cardholder $25,000",
       "spouse $5,000 child"
      ]
     }
    },
    {
     "section": "8",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$7,500",
     "kind": "amount",
     "amount_aud": 7500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss of Income",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500",
       "$7,500",
       "$7,500",
       "$7,500"
      ]
     }
    },
    {
     "section": "9",
     "benefit_as_printed": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "10",
     "benefit_as_printed": "Baggage and Personal Goods",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$10,000",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage and Personal Goods",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$20,000",
       "$15,000",
       "$30,000"
      ]
     }
    },
    {
     "section": "11",
     "benefit_as_printed": "Baggage Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "12",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$650",
     "kind": "amount",
     "amount_aud": 650,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$650",
       "$1,300",
       "$650",
       "$1,300"
      ]
     }
    },
    {
     "section": "13",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Alternative Transport Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,500",
       "$3,500",
       "$3,500",
       "$3,500"
      ]
     }
    },
    {
     "section": "14",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$2,250",
     "kind": "amount",
     "amount_aud": 2250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,250",
       "$2,250",
       "$2,250",
       "$2,250"
      ]
     }
    },
    {
     "section": "15",
     "benefit_as_printed": "Hijack and Kidnap",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack and Kidnap",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$5,000",
       "$5,000",
       "$5,000"
      ]
     }
    }
   ]
  },
  {
   "cover": "Overseas Travel Policy",
   "column": "Gold, Platinum & Qantas Business Rewards: cardholder with family",
   "kind": "limit",
   "rule": "card.limits.commbank_overseas_travel",
   "rows": [
    {
     "section": "1",
     "benefit_as_printed": "Overseas Emergency Medical Assistance~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical Assistance~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "section": "2",
     "benefit_as_printed": "Overseas Emergency Medical and Hospital Expenses~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical and Hospital Expenses~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited",
       "$Unlimited",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Hospital Incidentals",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$7,500 ($75 per 24 hours)",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "– Hospital Incidentals",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500 ($75 per 24 hours)",
       "$7,500 ($75 per 24 hours)",
       "$10,000 ($100 per 24 hours)",
       "$10,000 ($100 per 24 hours)"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Emergency Dental Expenses",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$1,500 per person",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "– Emergency Dental Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person"
      ]
     }
    },
    {
     "section": "3",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$2,500,000",
       "$2,500,000",
       "$2,500,000"
      ]
     }
    },
    {
     "section": "4",
     "benefit_as_printed": "Overseas Funeral or Cremation, or Body Repatriation",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$25,000",
     "kind": "amount",
     "amount_aud": 25000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Funeral or Cremation, or Body Repatriation",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$12,500",
       "$25,000",
       "$12,500",
       "$25,000"
      ]
     }
    },
    {
     "section": "5",
     "benefit_as_printed": "Cancellation Costs",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$10,000",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Cancellation Costs",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": "6",
     "benefit_as_printed": "Resumption of Journey",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$10,000",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Resumption of Journey",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$5,000",
       "$10,000"
      ]
     }
    },
    {
     "section": "7",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$25,000 cardholder $25,000 spouse $5,000 child",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "Accidental Death",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "$25,000 cardholder",
       "$25,000 spouse $5,000 child",
       "$50,000",
       "$50,000 cardholder $25,000",
       "spouse $5,000 child"
      ]
     }
    },
    {
     "section": "8",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$7,500",
     "kind": "amount",
     "amount_aud": 7500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss of Income",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500",
       "$7,500",
       "$7,500",
       "$7,500"
      ]
     }
    },
    {
     "section": "9",
     "benefit_as_printed": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "10",
     "benefit_as_printed": "Baggage and Personal Goods",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$20,000",
     "kind": "amount",
     "amount_aud": 20000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage and Personal Goods",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$20,000",
       "$15,000",
       "$30,000"
      ]
     }
    },
    {
     "section": "11",
     "benefit_as_printed": "Baggage Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "12",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$1,300",
     "kind": "amount",
     "amount_aud": 1300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$650",
       "$1,300",
       "$650",
       "$1,300"
      ]
     }
    },
    {
     "section": "13",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Alternative Transport Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,500",
       "$3,500",
       "$3,500",
       "$3,500"
      ]
     }
    },
    {
     "section": "14",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$2,250",
     "kind": "amount",
     "amount_aud": 2250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,250",
       "$2,250",
       "$2,250",
       "$2,250"
      ]
     }
    },
    {
     "section": "15",
     "benefit_as_printed": "Hijack and Kidnap",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack and Kidnap",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$5,000",
       "$5,000",
       "$5,000"
      ]
     }
    }
   ]
  },
  {
   "cover": "Overseas Travel Policy",
   "column": "Diamond, Smart & Ultimate: cardholder only",
   "kind": "limit",
   "rule": "card.limits.commbank_overseas_travel",
   "rows": [
    {
     "section": "1",
     "benefit_as_printed": "Overseas Emergency Medical Assistance~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical Assistance~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "section": "2",
     "benefit_as_printed": "Overseas Emergency Medical and Hospital Expenses~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical and Hospital Expenses~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited",
       "$Unlimited",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Hospital Incidentals",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$10,000 ($100 per 24 hours)",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "– Hospital Incidentals",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500 ($75 per 24 hours)",
       "$7,500 ($75 per 24 hours)",
       "$10,000 ($100 per 24 hours)",
       "$10,000 ($100 per 24 hours)"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Emergency Dental Expenses",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$1,500 per person",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "– Emergency Dental Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person"
      ]
     }
    },
    {
     "section": "3",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$2,500,000",
       "$2,500,000",
       "$2,500,000"
      ]
     }
    },
    {
     "section": "4",
     "benefit_as_printed": "Overseas Funeral or Cremation, or Body Repatriation",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$12,500",
     "kind": "amount",
     "amount_aud": 12500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Funeral or Cremation, or Body Repatriation",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$12,500",
       "$25,000",
       "$12,500",
       "$25,000"
      ]
     }
    },
    {
     "section": "5",
     "benefit_as_printed": "Cancellation Costs",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Cancellation Costs",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": "6",
     "benefit_as_printed": "Resumption of Journey",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Resumption of Journey",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$5,000",
       "$10,000"
      ]
     }
    },
    {
     "section": "7",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$50,000",
     "kind": "amount",
     "amount_aud": 50000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Accidental Death",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "$25,000 cardholder",
       "$25,000 spouse $5,000 child",
       "$50,000",
       "$50,000 cardholder $25,000",
       "spouse $5,000 child"
      ]
     }
    },
    {
     "section": "8",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$7,500",
     "kind": "amount",
     "amount_aud": 7500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss of Income",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500",
       "$7,500",
       "$7,500",
       "$7,500"
      ]
     }
    },
    {
     "section": "9",
     "benefit_as_printed": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "10",
     "benefit_as_printed": "Baggage and Personal Goods",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage and Personal Goods",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$20,000",
       "$15,000",
       "$30,000"
      ]
     }
    },
    {
     "section": "11",
     "benefit_as_printed": "Baggage Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "12",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$650",
     "kind": "amount",
     "amount_aud": 650,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$650",
       "$1,300",
       "$650",
       "$1,300"
      ]
     }
    },
    {
     "section": "13",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Alternative Transport Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,500",
       "$3,500",
       "$3,500",
       "$3,500"
      ]
     }
    },
    {
     "section": "14",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$2,250",
     "kind": "amount",
     "amount_aud": 2250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,250",
       "$2,250",
       "$2,250",
       "$2,250"
      ]
     }
    },
    {
     "section": "15",
     "benefit_as_printed": "Hijack and Kidnap",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack and Kidnap",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$5,000",
       "$5,000",
       "$5,000"
      ]
     }
    }
   ]
  },
  {
   "cover": "Overseas Travel Policy",
   "column": "Diamond, Smart & Ultimate: cardholder with family",
   "kind": "limit",
   "rule": "card.limits.commbank_overseas_travel",
   "rows": [
    {
     "section": "1",
     "benefit_as_printed": "Overseas Emergency Medical Assistance~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical Assistance~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Unlimited",
       "Unlimited",
       "Unlimited"
      ]
     }
    },
    {
     "section": "2",
     "benefit_as_printed": "Overseas Emergency Medical and Hospital Expenses~",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Overseas Emergency Medical and Hospital Expenses~",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$Unlimited",
       "$Unlimited",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Hospital Incidentals",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$10,000 ($100 per 24 hours)",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "– Hospital Incidentals",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500 ($75 per 24 hours)",
       "$7,500 ($75 per 24 hours)",
       "$10,000 ($100 per 24 hours)",
       "$10,000 ($100 per 24 hours)"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "– Emergency Dental Expenses",
     "is_sub_limit": true,
     "page": 4,
     "stated": "$1,500 per person",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "– Emergency Dental Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person",
       "$1,500 per person"
      ]
     }
    },
    {
     "section": "3",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,500,000",
       "$2,500,000",
       "$2,500,000",
       "$2,500,000"
      ]
     }
    },
    {
     "section": "4",
     "benefit_as_printed": "Overseas Funeral or Cremation, or Body Repatriation",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$25,000",
     "kind": "amount",
     "amount_aud": 25000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Funeral or Cremation, or Body Repatriation",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$12,500",
       "$25,000",
       "$12,500",
       "$25,000"
      ]
     }
    },
    {
     "section": "5",
     "benefit_as_printed": "Cancellation Costs",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Cancellation Costs",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$Unlimited",
       "$Unlimited"
      ]
     }
    },
    {
     "section": "6",
     "benefit_as_printed": "Resumption of Journey",
     "is_sub_limit": false,
     "page": 4,
     "stated": "$10,000",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Resumption of Journey",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=4",
      "page": 4,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$10,000",
       "$5,000",
       "$10,000"
      ]
     }
    },
    {
     "section": "7",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$50,000 cardholder $25,000 spouse $5,000 child",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "Accidental Death",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$25,000",
       "$25,000 cardholder",
       "$25,000 spouse $5,000 child",
       "$50,000",
       "$50,000 cardholder $25,000",
       "spouse $5,000 child"
      ]
     }
    },
    {
     "section": "8",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$7,500",
     "kind": "amount",
     "amount_aud": 7500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss of Income",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$7,500",
       "$7,500",
       "$7,500",
       "$7,500"
      ]
     }
    },
    {
     "section": "9",
     "benefit_as_printed": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Documents, Transaction Cards, Travellers Cheques and Cash",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "10",
     "benefit_as_printed": "Baggage and Personal Goods",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$30,000",
     "kind": "amount",
     "amount_aud": 30000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage and Personal Goods",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$10,000",
       "$20,000",
       "$15,000",
       "$30,000"
      ]
     }
    },
    {
     "section": "11",
     "benefit_as_printed": "Baggage Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Baggage Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$500",
       "$1,000",
       "$500",
       "$1,000"
      ]
     }
    },
    {
     "section": "12",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$1,300",
     "kind": "amount",
     "amount_aud": 1300,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$650",
       "$1,300",
       "$650",
       "$1,300"
      ]
     }
    },
    {
     "section": "13",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Alternative Transport Expenses",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$3,500",
       "$3,500",
       "$3,500",
       "$3,500"
      ]
     }
    },
    {
     "section": "14",
     "benefit_as_printed": "Rental Vehicle Insurance Excess",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$2,250",
     "kind": "amount",
     "amount_aud": 2250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Insurance Excess",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,250",
       "$2,250",
       "$2,250",
       "$2,250"
      ]
     }
    },
    {
     "section": "15",
     "benefit_as_printed": "Hijack and Kidnap",
     "is_sub_limit": false,
     "page": 5,
     "stated": "$5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack and Kidnap",
      "url": "https://www.commbank.com.au/content/dam/commbank-assets/important-docs/credit-card-insurances-pds-info-booklet.pdf#page=5",
      "page": 5,
      "document_sha256": "96d866bf1835a2f01e7b624c51217da0380889e5c818e11358845ead3ab3e38a",
      "confirmed": "2026-11-05",
      "cells": [
       "$5,000",
       "$5,000",
       "$5,000",
       "$5,000"
      ]
     }
    }
   ]
  }
 ],
 "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."
}