{
 "programme_slug": "hsbc-cards",
 "issuer": "HSBC",
 "programme": "HSBC personal cards complimentary insurance",
 "issuer_page": "https://www.hsbc.com.au/credit-cards/terms/",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/hsbc-cards/",
 "governing_document": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
 "documents": [
  {
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf",
   "label": "HSBC Personal Cards Complimentary Insurance Terms and Conditions, effective 26 March 2025",
   "role": "combined",
   "governs": "current",
   "note": "HSBC is closing its retail banking business in Australia. Its own closure FAQ says access to the complimentary travel insurances ends on 1 January 2028, and that an event before that date can still be claimed. The booklet is current; the cover has a published end date.",
   "words": 26830
  }
 ],
 "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.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
   "page": 2,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "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.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
   "page": 2,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "policy_owner": {
  "name": "HSBC",
  "quote": "HSBC is the policy owner",
  "citation": {
   "quote": "HSBC is the policy owner",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3",
   "page": 3,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "cover_basis": {
  "basis": "group_policy_beneficiary",
  "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
  "quote": "as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3",
   "page": 3,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2025-03-26",
  "quote": "Effective: 26 March 2025",
  "citation": {
   "quote": "Effective: 26 March 2025",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=1",
   "page": 1,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "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.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
   "page": 10,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": {
  "required": true,
  "quote": "you have a return overseas travel ticket before leaving Australia",
  "citation": {
   "quote": "you have a return overseas travel ticket before leaving Australia",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
   "page": 10,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "residency": {
  "required": true,
  "quote": "you permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
  "citation": {
   "quote": "you permanently reside in Australia or are the holder of a visa issued under the Migration Act 1958 (Cth) which entitles you to residency",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
   "page": 10,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": null,
 "period_of_cover": {
  "periods": [
   {
    "count": 4,
    "unit": "months",
    "applies_to": "cardholders, their spouse and/or dependants",
    "stated": "Up to 4 consecutive months for cardholders, their spouse and/or dependants"
   }
  ],
  "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants The maximum period of cover available for your journey cannot be extended by you",
  "citation": {
   "quote": "Up to 4 consecutive months for cardholders, their spouse and/or dependants The maximum period of cover available for your journey cannot be extended by you",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=10",
   "page": 10,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "excluded_unless_approved",
  "quote": "related to or associated with, your pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy",
  "citation": {
   "quote": "related to or associated with, your pre-existing medical condition unless Allianz Global Assistance has confirmed in writing to you that the pre-existing medical condition causing your claim is covered by the Group Policy",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=16",
   "page": 16,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "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",
   "Overseas Transit Accident Insurance"
  ],
  "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance; Overseas Transit Accident Insurance",
  "citations": [
   {
    "quote": "International Travel Insurance",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
    "page": 2,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Domestic Travel Insurance",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
    "page": 2,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Rental Vehicle Excess Insurance in Australia",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
    "page": 2,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Purchase Protection Insurance",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
    "page": 2,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Extended Warranty Insurance",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=3",
    "page": 3,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Overseas Transit Accident Insurance",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
    "page": 2,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": true,
  "named_as": [
   "International Travel Insurance",
   "Domestic Travel Insurance"
  ],
  "means": null,
  "quote": "International Travel Insurance 14 Part A - Eligibility for Cover 14 Part B - Period of Cover 15 Part C - Benefits Limits 17 Part D - Excesses and General Exclusions 20 Part E - The Cover Available 26 Overseas Transit Accident Insurance 58 Part A – Eligibility for cover 58 Part B – Period…",
  "citation": {
   "quote": "International Travel Insurance 14 Part A - Eligibility for Cover 14 Part B - Period of Cover 15 Part C - Benefits Limits 17 Part D - Excesses and General Exclusions 20 Part E - The Cover Available 26 Overseas Transit Accident Insurance 58 Part A – Eligibility for cover 58 Part B – Period",
   "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=2",
   "page": 2,
   "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {
  "overseas_medical": {
   "stated": "$20 million",
   "kind": "amount",
   "amount_aud": 20000000,
   "section": "1.2",
   "citation": {
    "quote": "Overseas Emergency Medical",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
    "page": 11,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05",
    "cells": [
     "$20 million"
    ]
   }
  },
  "cancellation": {
   "stated": "Up to a maximum total limit of $100,000 (dependants are included in the limit available to the cardholder or spouse) except:",
   "kind": "amount",
   "amount_aud": 100000,
   "section": "2.1",
   "citation": {
    "quote": "Cancellation",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
    "page": 12,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $100,000 (dependants are included in the limit available to the cardholder or spouse) except:"
    ]
   }
  },
  "luggage_total": {
   "stated": "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following limits:",
   "kind": "amount",
   "amount_aud": 25000,
   "section": "4.1",
   "citation": {
    "quote": "Luggage",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
    "page": 12,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following limits:"
    ]
   }
  },
  "rental_vehicle_excess": {
   "stated": "Up to a maximum total limit of $3,000",
   "kind": "amount",
   "amount_aud": 3000,
   "section": "5.1",
   "citation": {
    "quote": "Rental Vehicle Excess",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
    "page": 12,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $3,000"
    ]
   }
  },
  "personal_liability": {
   "stated": "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
   "kind": "amount",
   "amount_aud": 2500000,
   "section": "6.1",
   "citation": {
    "quote": "Personal Liability",
    "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
    "page": 12,
    "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
    ]
   }
  }
 },
 "limits_read_from": "International Travel Insurance",
 "not_read": [],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "return-trips-only",
  "pay-part-fare",
  "australian-residents-only",
  "overseas-4-months",
  "domestic-14-days",
  "pre-existing-if-approved"
 ],
 "conditions": {
  "lines": [
   "Covers a return trip overseas once you have spent at least $500 of your prepaid travel costs, such as the return air or cruise ticket, with your HSBC Platinum, Platinum Qantas, Star Alliance or Premier World Mastercard before you leave Australia.",
   "A trip within Australia is covered if you spend at least $250 of its prepaid travel costs with one of those cards or a Low Rate card, or pay in full a return domestic flight costing less than $250.",
   "You have to live permanently in Australia, or hold a visa that lets you live here.",
   "One trip is covered for up to 4 months overseas, or 14 days within Australia.",
   "Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "2582039beed34477816b488967f7b647a7b7ace19974b24c42ede6b5cfd77d9b"
 },
 "generated_at": "2026-11-06T03:57:27Z",
 "benefit_tables": [
  {
   "cover": "International Travel Insurance",
   "kind": "limit",
   "rule": "card.limits.section_spread",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance (including medical evacuation and repatriation)",
     "is_sub_limit": false,
     "stated": "$20 million",
     "kind": "amount",
     "amount_aud": 20000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Emergency Assistance (including medical evacuation and repatriation)",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Emergency Medical",
     "is_sub_limit": false,
     "stated": "$20 million",
     "kind": "amount",
     "amount_aud": 20000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Emergency Medical",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$20 million"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Overseas Emergency Dental (spontaneous toothache)",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 750,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Overseas Emergency Dental (spontaneous toothache)",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $750 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Hospital Cash Allowance",
     "is_sub_limit": false,
     "stated": "$75 per person per day up to a maximum total limit of $2,250 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 2250,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Hospital Cash Allowance",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$75 per person per day up to a maximum total limit of $2,250 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "1.5",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "stated": "$30,000 per cardholder $30,000 per spouse $5,000 per dependant Up to a maximum total limit of $80,000",
     "kind": "amount",
     "amount_aud": 80000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Accidental Death",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$30,000 per cardholder $30,000 per spouse $5,000 per dependant Up to a maximum total limit of $80,000"
      ]
     }
    },
    {
     "section": "1.6",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Funeral Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "1.7",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "stated": "Your verified income per week, up to a maximum total limit of $8,500 each for a cardholder or spouse. No cover is available for dependants",
     "kind": "amount",
     "amount_aud": 8500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Loss of Income",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Your verified income per week, up to a maximum total limit of $8,500 each for a cardholder or spouse. No cover is available for dependants"
      ]
     }
    },
    {
     "section": "1.8",
     "benefit_as_printed": "Assault requiring Hospital Admission",
     "is_sub_limit": false,
     "stated": "$600 per person",
     "kind": "amount",
     "amount_aud": 600,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Assault requiring Hospital Admission",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=11",
      "page": 11,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$600 per person"
      ]
     }
    },
    {
     "section": "1.9",
     "benefit_as_printed": "Permanent Disability",
     "is_sub_limit": false,
     "stated": "$30,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 30000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Permanent Disability",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$30,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $100,000 (dependants are included in the limit available to the cardholder or spouse) except:",
     "kind": "amount",
     "amount_aud": 100000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Cancellation",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $100,000 (dependants are included in the limit available to the cardholder or spouse) except:"
      ]
     }
    },
    {
     "section": "2.1.1b]",
     "benefit_as_printed": "Travel agents cancellation fees",
     "is_sub_limit": true,
     "stated": "Up to $500 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1.1b] Travel agents cancellation fees",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $100,000",
     "kind": "amount",
     "amount_aud": 100000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Additional Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $100,000"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "stated": "After 6 consecutive hours, up to $500 for meals and accommodation per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "After 6 consecutive hours, up to $500 for meals and accommodation per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "3.3",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,000. Spouse and/or dependant expenses are included in the limit available to the cardholder",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Alternative Transport Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000. Spouse and/or dependant expenses are included in the limit available to the cardholder"
      ]
     }
    },
    {
     "section": "3.4",
     "benefit_as_printed": "Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $7,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 7500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $7,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following limits:",
     "kind": "amount",
     "amount_aud": 25000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Luggage",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $25,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following limits:"
      ]
     }
    },
    {
     "section": "4.1.1a]",
     "benefit_as_printed": "Stolen, accidentally damaged or permanently lost covered items",
     "is_sub_limit": true,
     "stated": "Up to $6,000 per item for computers, cameras and video cameras Up to $6,000 per item for any other covered item, including mobile phones",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "4.1.1a] Stolen, accidentally damaged or permanently lost covered items",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $6,000 per item for computers, cameras and video cameras Up to $6,000 per item for any other covered item, including mobile phones"
      ]
     }
    },
    {
     "section": "4.1.1b]",
     "benefit_as_printed": "Covered items left in a vehicle during daylight hours",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1.1b] Covered items left in a vehicle during daylight hours",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $1,000"
      ]
     }
    },
    {
     "section": "4.1.1c]",
     "benefit_as_printed": "Valuables left in a vehicle or checked-in luggage",
     "is_sub_limit": true,
     "stated": "No cover available, except for the items described in the circumstances under 4.1.1c] which is limited to the maximum item limits in 4.1.1a]",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "4.1.1c] Valuables left in a vehicle or checked-in luggage",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "No cover available, except for the items described in the circumstances under 4.1.1c] which is limited to the maximum item limits in 4.1.1a]"
      ]
     }
    },
    {
     "section": "4.2",
     "benefit_as_printed": "Travel Documents, Transaction Cards & Travellers Cheques",
     "is_sub_limit": false,
     "stated": "",
     "kind": "stated_in_sub_limits",
     "amount_aud": null,
     "note": "this section's limits are the sub-limits listed under it",
     "citation": {
      "quote": "Travel Documents, Transaction Cards & Travellers Cheques",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05"
     }
    },
    {
     "section": "4.2.1a]",
     "benefit_as_printed": "Reissue or replacement cost",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $600 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 600,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2.1a] Reissue or replacement cost",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $600 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "4.2.1b]",
     "benefit_as_printed": "Fraudulent use",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $600 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 600,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2.1b] Fraudulent use",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $600 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    },
    {
     "section": "4.3",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Up to $600 per person up to a maximum total limit of $1,100 for a cardholder travelling with a spouse and/ or dependants",
     "kind": "amount",
     "amount_aud": 1100,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Luggage Delay",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $600 per person up to a maximum total limit of $1,100 for a cardholder travelling with a spouse and/ or dependants"
      ]
     }
    },
    {
     "section": "5.1",
     "benefit_as_printed": "Rental Vehicle Excess",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,000",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Rental Vehicle Excess",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000"
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "Personal Liability",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=12",
      "page": 12,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $2,500,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse"
      ]
     }
    }
   ]
  },
  {
   "cover": "International Travel Insurance",
   "kind": "excess",
   "rule": "card.excesses.section_spread",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Overseas Emergency Assistance (including medical evacuation and repatriation)",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Overseas Emergency Assistance (including medical evacuation and repatriation)",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.2",
     "benefit_as_printed": "Overseas Emergency Medical",
     "is_sub_limit": false,
     "stated": "$400",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Emergency Medical",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$400"
      ]
     }
    },
    {
     "section": "1.3",
     "benefit_as_printed": "Overseas Emergency Dental (spontaneous toothache)",
     "is_sub_limit": false,
     "stated": "$400",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Emergency Dental (spontaneous toothache)",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$400"
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Hospital Cash Allowance",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Hospital Cash Allowance",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.5",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Accidental Death",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.6",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Funeral Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.7",
     "benefit_as_printed": "Loss of Income",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Loss of Income",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.8",
     "benefit_as_printed": "Assault requiring Hospital Admission",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Assault requiring Hospital Admission",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "1.9",
     "benefit_as_printed": "Permanent Disability",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Permanent Disability",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "$400",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Cancellation",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$400"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "$400",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Additional Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$400"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Travel Delay Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.3",
     "benefit_as_printed": "Alternative Transport Expenses",
     "is_sub_limit": false,
     "stated": "$400",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Alternative Transport Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$400"
      ]
     }
    },
    {
     "section": "3.4",
     "benefit_as_printed": "Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission",
     "is_sub_limit": false,
     "stated": "$400",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Return Home and Resumption of Journey due to a Relative’s Death or Hospital Admission",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$400"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "$400",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Luggage",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$400"
      ]
     }
    },
    {
     "section": "4.2",
     "benefit_as_printed": "Travel Documents, Transaction Cards & Travellers Cheques",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Travel Documents, Transaction Cards & Travellers Cheques",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "4.3",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Luggage Delay",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "5.1",
     "benefit_as_printed": "Rental Vehicle Excess",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Rental Vehicle Excess",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "6.1",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "Personal Liability",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=13",
      "page": 13,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    }
   ]
  },
  {
   "cover": "Domestic Travel Insurance",
   "kind": "limit",
   "rule": "card.limits.section_spread",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $3,000 for all claims combined",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.1 Cancellation",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000 for all claims combined"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Flight Delay Expenses",
     "is_sub_limit": false,
     "stated": "4 hours or more, $125 per person up to a maximum total limit of $500 for all claims combined",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "2.1 Flight Delay Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "4 hours or more, $125 per person up to a maximum total limit of $500 for all claims combined"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "Up to $500 for each covered item, up to a maximum total limit of $1,250",
     "kind": "amount",
     "amount_aud": 1250,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.1 Luggage",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500 for each covered item, up to a maximum total limit of $1,250"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.2 Luggage Delay",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined"
      ]
     }
    }
   ]
  },
  {
   "cover": "Domestic Travel Insurance",
   "kind": "excess",
   "rule": "card.excesses.section_spread",
   "rows": [
    {
     "section": "1.1",
     "benefit_as_printed": "Cancellation",
     "is_sub_limit": false,
     "stated": "$200",
     "kind": "amount",
     "amount_aud": 200,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.1 Cancellation",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$200"
      ]
     }
    },
    {
     "section": "2.1",
     "benefit_as_printed": "Flight Delay Expenses",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "2.1 Flight Delay Expenses",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "$200",
     "kind": "amount",
     "amount_aud": 200,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.1 Luggage",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "$200"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Luggage Delay",
     "is_sub_limit": false,
     "stated": "Nil",
     "kind": "nil",
     "amount_aud": 0,
     "citation": {
      "quote": "3.2 Luggage Delay",
      "url": "https://www.hsbc.com.au/content/dam/hsbc/au/docs/pdf/complimentary-credit-card-insurance-tc.pdf#page=35",
      "page": 35,
      "document_sha256": "fc8e94ecbf3dbd5d98a5bf515a4d65082c19003d10f4a8c97b705efba7dd12c0",
      "confirmed": "2026-11-05",
      "cells": [
       "Nil"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [],
 "no_premium": "There is none. This cover comes with the card; the card's annual fee is a credit product fee, not an insurance premium, and is not collected."
}