{
 "programme_slug": "macquarie-black",
 "issuer": "Macquarie",
 "programme": "Macquarie Black credit card insurance",
 "issuer_page": "https://www.macquarie.com.au/help/personal/international-and-travel/travelling-overseas/credit-card-travel-insurance.html",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/macquarie-black/",
 "governing_document": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf",
 "documents": [
  {
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf",
   "label": "Macquarie Black Credit Card Insurance Terms and Conditions",
   "role": "combined",
   "governs": "current",
   "note": null,
   "words": 27955
  }
 ],
 "insurer": {
  "name": "Chubb Insurance Australia Limited",
  "abn": "23001642020",
  "afsl": null,
  "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
  "citation": {
   "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=11",
   "page": 11,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "outcome": "apra_authorised",
  "authorised": true,
  "matched_name": "Chubb Insurance Australia Ltd",
  "register_section": "Authorised to conduct new or renewal insurance business",
  "afs_licence_number": "239687"
 },
 "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": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=4",
   "page": 4,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2025-06-18",
  "quote": "Effective 18 June 2025",
  "citation": {
   "quote": "Effective 18 June 2025",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=1",
   "page": 1,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "full_fare",
  "amount_aud": null,
  "note": "no dollar minimum: the whole outbound fare for the trip must go on the card",
  "quote": "pay the full amount of Your outbound Return Trip that ticket for Your Scheduled Flight or eligibility condition Scheduled Cruise leaving Australia using: 3 applies to, i",
  "citation": {
   "quote": "pay the full amount of Your outbound Return Trip that ticket for Your Scheduled Flight or eligibility condition Scheduled Cruise leaving Australia using: 3 applies to, i",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=12",
   "page": 12,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": null,
 "residency": {
  "required": true,
  "quote": "who are a Resident of Australia",
  "citation": {
   "quote": "who are a Resident of Australia",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
   "page": 5,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 85,
  "stated_as": "85 years of age or younger",
  "quote": "who are eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase and who need cover for Overseas Medical Emergency Expenses Cover",
  "citation": {
   "quote": "who are eighty-five (85) years of age or younger at the time You make Your Relevant Travel Purchase and who need cover for Overseas Medical Emergency Expenses Cover",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
   "page": 5,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 14,
    "unit": "days",
    "applies_to": "a Domestic Return Trip",
    "stated": "Fourteen (14) consecutive days for a Domestic Return Trip"
   },
   {
    "count": 90,
    "unit": "days",
    "applies_to": "an Overseas Return Trip",
    "stated": "Ninety (90) consecutive days for an Overseas Return Trip"
   }
  ],
  "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
  "citation": {
   "quote": "Fourteen (14) consecutive days for a Domestic Return Trip",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=5",
   "page": 5,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "excluded",
  "quote": "This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below",
  "citation": {
   "quote": "This Policy does not cover any Pre-Existing Medical Conditions under Sections A – K below",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=9",
   "page": 9,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "covers_offered": null,
 "travel_cover": {
  "international": true,
  "domestic": false,
  "named_as": null,
  "means": null,
  "quote": "Section A – Overseas Medical Emergency Expenses Cover…",
  "citation": {
   "quote": "Section A – Overseas Medical Emergency Expenses Cover",
   "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=2",
   "page": 2,
   "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {},
 "limits_read_from": "Travel Insurance, Overseas Return Trip",
 "not_read": [
  "some benefit limits"
 ],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "return-trips-only",
  "pay-whole-fare",
  "points-count",
  "australian-residents-only",
  "age-to-85",
  "overseas-90-days",
  "domestic-14-days",
  "pre-existing-not-covered"
 ],
 "conditions": {
  "lines": [
   "Covers a return trip that starts and ends in Australia, once you have paid the whole outbound flight or cruise fare with your Macquarie Black card before you leave. Macquarie Rewards points, or a gift card bought with them, count as paying with the card.",
   "Your card account has to be open when you pay: not cancelled, suspended or terminated.",
   "You have to live in Australia.",
   "For overseas medical cover you have to be 85 or younger when you pay the fare.",
   "One trip is covered for up to 90 days overseas, or 14 days within Australia.",
   "Pre-existing medical conditions are not covered."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "42ca62bf033f0c1a2e38401a66a8fa3325e4765415c1cdd227cbc7d08c7c5d28"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "benefit_tables": [
  {
   "cover": "Travel Insurance",
   "column": "Overseas Return Trip",
   "kind": "limit",
   "rule": "card.limits.schedule_of_benefits",
   "rows": [
    {
     "section": null,
     "benefit_as_printed": "Overseas Medical Emergency Expenses Cover 1. In the event of a medical emergency (section limit)",
     "is_sub_limit": false,
     "page": 25,
     "stated": "Unlimited* for up to twelve (12) months from the date of the Injury or Illness (other than for any medical emergency as a result of an act of Terrorism which is sub-limited to $1,000,000)",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "1. In the event of a medical emergency (section",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited* for up to twelve (12) months from",
       "the date of the Injury or Illness (other than for",
       "any medical emergency as a result of an act of Terrorism which is sub-limited to $1,000,000)"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. Emergency Dental (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $1,250",
     "kind": "amount",
     "amount_aud": 1250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. Emergency Dental (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,250"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "3. Repatriation/Evacuation (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $500,000",
     "kind": "amount",
     "amount_aud": 500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3. Repatriation/Evacuation (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "4. Incidental expenses each 24 hours (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $100 per 24-hour period to a maximum of $12,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "4. Incidental expenses each 24 hours (sublimit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $100 per 24-hour period to a maximum of $12,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "5. Extra accommodation (room only) (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $200 per 24-hour period to a maximum of $4,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "5. Extra accommodation (room only) (sublimit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $200 per 24-hour period to a maximum of $4,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6.a) Return economy airfare (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $1,500",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "6.a) Return economy airfare (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6.b) Extra accommodation (room-only) (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $150 per 24-hour period to a maximum of $2,100",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "6.b) Extra accommodation (room-only) (sublimit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $150 per 24-hour period to a maximum of $2,100"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. In the event of Your death (Repatriation/Funeral/Burial costs)",
     "is_sub_limit": false,
     "page": 25,
     "stated": "Up to $20,000",
     "kind": "amount",
     "amount_aud": 20000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. In the event of Your death (Repatriation/Funeral/Burial costs)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $20,000",
       "Up to $20,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "In the event of Your death in a Schengen member state",
     "is_sub_limit": false,
     "page": 25,
     "stated": "Up to 30,000 EUR",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states no amount in Australian dollars",
     "citation": {
      "quote": "In the event of Your death in a Schengen member state",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 30,000 EUR",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Trip Cancellation and Amendment Cover (section limit)",
     "is_sub_limit": false,
     "page": 25,
     "stated": "Unlimited",
     "kind": "unlimited",
     "amount_aud": null,
     "citation": {
      "quote": "Trip Cancellation and Amendment Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Up to $3,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Travel agent commission (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to 15% or $1,000, whichever is the lesser",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Travel agent commission (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 15% or $1,000, whichever is the lesser",
       "Up to 15% or $750, whichever is the lesser"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. Additional travel and accommodation (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. Additional travel and accommodation (sublimit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Loss of Income Cover (section limit)",
     "is_sub_limit": false,
     "page": 26,
     "stated": "Up to $12,000",
     "kind": "amount",
     "amount_aud": 12000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss of Income Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=26",
      "page": 26,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $12,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Monthly Salary",
     "is_sub_limit": false,
     "page": 26,
     "stated": "Up to $4,000 per month",
     "kind": "amount",
     "amount_aud": 4000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Monthly Salary",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=26",
      "page": 26,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $4,000 per month"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1) Returning to Australia for a Close Relative",
     "is_sub_limit": false,
     "page": 26,
     "stated": "Up to $3,000",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1) Returning to Australia for a Close Relative",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=26",
      "page": 26,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2) Returning to Australia for a Close Relative with a Pre-Existing Medical Condition",
     "is_sub_limit": false,
     "page": 26,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2) Returning to Australia for a Close Relative with a Pre-Existing Medical Condition",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=26",
      "page": 26,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6. Delayed arrival to a Special Event",
     "is_sub_limit": false,
     "page": 27,
     "stated": "Up to $3,250 for all Covered Persons",
     "kind": "amount",
     "amount_aud": 3250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "6. Delayed arrival to a Special Event",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=27",
      "page": 27,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,250 for all Covered Persons",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. Money and Travel Documents (sub-limit)",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a. Money and Travel Documents (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Up to $250"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Maximum total of all Valuables (including sub-limits i. to iv.);",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $11,000",
     "kind": "amount",
     "amount_aud": 11000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Maximum total of all Valuables (including sublimits i. to iv.);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $11,000",
       "Up to $1,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "i. One (1) Smartphone (sub-limit);",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "i. One (1) Smartphone (sub-limit);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "ii. One (1) laptop (sub-limit);",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "ii. One (1) laptop (sub-limit);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iv. Any other Valuable item (sub-limit)",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iv. Any other Valuable item (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. any other single item or Pair or Set of items (sub-limit)",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $3,500",
     "kind": "amount",
     "amount_aud": 3500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. any other single item or Pair or Set of items (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $6,700",
     "kind": "amount",
     "amount_aud": 6700,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $6,700"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. return economy airfare",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $2,500",
     "kind": "amount",
     "amount_aud": 2500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a. return economy airfare",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,500",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $300 per 24-hour period to a maximum of $4,200",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "b. extra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $300 per 24-hour period to a maximum of $4,200"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Liability Cover (section limit)",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,500,000",
       "Up to $1,000,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Rental Vehicle Excess Cover (section limit)",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Excess Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    }
   ]
  },
  {
   "cover": "Travel Insurance",
   "column": "Domestic Return Trip",
   "kind": "limit",
   "rule": "card.limits.schedule_of_benefits",
   "rows": [
    {
     "section": null,
     "benefit_as_printed": "5. Extra accommodation (room only) (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "5. Extra accommodation (room only) (sublimit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $200 per 24-hour period to a maximum of $4,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. In the event of Your death (Repatriation/Funeral/Burial costs)",
     "is_sub_limit": false,
     "page": 25,
     "stated": "Up to $20,000",
     "kind": "amount",
     "amount_aud": 20000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. In the event of Your death (Repatriation/Funeral/Burial costs)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $20,000",
       "Up to $20,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "In the event of Your death in a Schengen member state",
     "is_sub_limit": false,
     "page": 25,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "In the event of Your death in a Schengen member state",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 30,000 EUR",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Trip Cancellation and Amendment Cover (section limit)",
     "is_sub_limit": false,
     "page": 25,
     "stated": "Up to $3,000",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Trip Cancellation and Amendment Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Unlimited",
       "Up to $3,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Travel agent commission (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to 15% or $750, whichever is the lesser",
     "kind": "amount",
     "amount_aud": 750,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Travel agent commission (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 15% or $1,000, whichever is the lesser",
       "Up to 15% or $750, whichever is the lesser"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. Additional travel and accommodation (sub-limit)",
     "is_sub_limit": true,
     "page": 25,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. Additional travel and accommodation (sublimit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=25",
      "page": 25,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1) Returning to Australia for a Close Relative",
     "is_sub_limit": false,
     "page": 26,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "1) Returning to Australia for a Close Relative",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=26",
      "page": 26,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6. Delayed arrival to a Special Event",
     "is_sub_limit": false,
     "page": 27,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "6. Delayed arrival to a Special Event",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=27",
      "page": 27,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,250 for all Covered Persons",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. Money and Travel Documents (sub-limit)",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $250",
     "kind": "amount",
     "amount_aud": 250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "a. Money and Travel Documents (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Up to $250"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Maximum total of all Valuables (including sub-limits i. to iv.);",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $1,500",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Maximum total of all Valuables (including sublimits i. to iv.);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $11,000",
       "Up to $1,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "i. One (1) Smartphone (sub-limit);",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "i. One (1) Smartphone (sub-limit);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "ii. One (1) laptop (sub-limit);",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "ii. One (1) laptop (sub-limit);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iv. Any other Valuable item (sub-limit)",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iv. Any other Valuable item (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. any other single item or Pair or Set of items (sub-limit)",
     "is_sub_limit": true,
     "page": 28,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. any other single item or Pair or Set of items (sub-limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,500",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "a. return economy airfare",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "a. return economy airfare",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,500",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Liability Cover (section limit)",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $1,000,000",
     "kind": "amount",
     "amount_aud": 1000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,500,000",
       "Up to $1,000,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Rental Vehicle Excess Cover (section limit)",
     "is_sub_limit": false,
     "page": 28,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Excess Cover (section limit)",
      "url": "https://www.macquarie.com.au/assets/bfs/documents/personal-direct/credit-cards/macquarie-black-insurance-terms-and-conditions.pdf#page=28",
      "page": 28,
      "document_sha256": "0a08f4353b3b66ac44ea58362a3e96f58ac0cf6874fc9e1826c2b17c7855c501",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $5,000"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [
  {
   "what": "some benefit limits",
   "why": "16 rows or cells of the table could not be tied to a benefit with certainty and are not published; each is listed with its reason under rows_not_read in this programme's card-benefits file"
  }
 ],
 "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."
}