{
 "programme_slug": "great-southern-bank-cards",
 "issuer": "Great Southern Bank",
 "programme": "Great Southern Bank platinum credit cards complimentary insurances",
 "issuer_page": "https://www.greatsouthernbank.com.au/credit-cards/platinum",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/great-southern-bank-cards/",
 "governing_document": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
 "documents": [
  {
   "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf",
   "label": "Great Southern Bank Platinum Credit Cards Complimentary Insurances Policy Information Booklet, effective 7 August 2024",
   "role": "combined",
   "governs": "current",
   "note": "A narrow booklet: international travel and purchase protection only, with no domestic travel and no rental vehicle excess. The Low Rate card does not get it.",
   "words": 17818
  }
 ],
 "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.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "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.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "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.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=3",
   "page": 3,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2024-08-07",
  "quote": "Effective 7th August 2024 i",
  "citation": {
   "quote": "Effective 7th August 2024 i",
   "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=1",
   "page": 1,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "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.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=10",
   "page": 10,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "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.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=10",
   "page": 10,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "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.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=10",
   "page": 10,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 80,
  "stated_as": "aged 81 years or over is excluded",
  "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
  "citation": {
   "quote": "the injury, illness or death of any person who is aged 81 years or over at the time you become eligible for cover under International Travel Insurance",
   "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=14",
   "page": 14,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 4,
    "unit": "months",
    "applies_to": "cardholders, their spouses and/or dependants",
    "stated": "Up to 4 consecutive months for cardholders, their spouses and/or dependants"
   }
  ],
  "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
  "citation": {
   "quote": "Up to 4 consecutive months for cardholders, their spouses and/or dependants",
   "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "see_document",
  "quote": "pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition",
  "citation": {
   "quote": "pre-existing medical condition a condition of which a reasonable person in the circumstances, should have been aware at the time eligibility for the cover available was met, including: • any dental condition",
   "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=8",
   "page": 8,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "confirmed": "2026-11-05"
  }
 },
 "covers_offered": {
  "covers": [
   "International Travel Insurance",
   "Purchase Protection Insurance"
  ],
  "quote": "International Travel Insurance; Purchase Protection Insurance",
  "citations": [
   {
    "quote": "International Travel Insurance",
    "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=2",
    "page": 2,
    "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Purchase Protection Insurance",
    "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=2",
    "page": 2,
    "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": false,
  "named_as": [
   "International Travel Insurance"
  ],
  "means": null,
  "quote": "Online: Lodge your International Travel Insurance claim at: claimmanager.com.au Within Australia Phone: 1800 010 262 Monday to Friday: 8am to 7pm AEST E-mail: cardclaims@allianz-assistance.com.au 24-Hour Emergency Assistance ALLIANZ GLOBAL ASSISTANCE Please call emergency services immediately if your…",
  "citation": {
   "quote": "Online: Lodge your International Travel Insurance claim at: claimmanager.com.au Within Australia Phone: 1800 010 262 Monday to Friday: 8am to 7pm AEST E-mail: cardclaims@allianz-assistance.com.au 24-Hour Emergency Assistance ALLIANZ GLOBAL ASSISTANCE Please call emergency services immediately if your",
   "url": "https://www.greatsouthernbank.com.au/__data/assets/pdf_file/0025/511639/Great-Southern-Bank-Platinum-Credit-Cards-Complimentary-Insurances-Policy-Information-Booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "011a23728dcd56880f03feb7868df9e4bf1f8d851aaba89e415d0d8116fd2e2d",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {},
 "limits_read_from": null,
 "not_read": [],
 "labels": [
  "overseas",
  "cruise",
  "return-trips-only",
  "pay-part-fare",
  "australian-residents-only",
  "age-to-80",
  "overseas-4-months",
  "pre-existing-not-covered"
 ],
 "conditions": {
  "lines": [
   "Travel cover comes with the Great Southern Bank Platinum credit card, and only for trips 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.",
   "You have to live in Australia.",
   "Claims for the injury, illness or death of anyone 81 or over when you qualify are not covered.",
   "One trip is covered for up to four months.",
   "Pre-existing medical conditions are not covered."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "8fa039c8b7e4b0ce7ccc4e263d0ab29d42df6bfaa3171552c74f720e40f9f694"
 },
 "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."
}