{
 "programme_slug": "mycard-cards",
 "issuer": "MyCard",
 "programme": "MyCard credit cards complimentary insurance",
 "issuer_page": "https://www.mycard.com.au/help-and-support/important-information",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/mycard-cards/",
 "governing_document": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
 "documents": [
  {
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf",
   "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 15 May 2026",
   "role": "combined",
   "governs": "current",
   "note": "These are the former Citi consumer cards, which moved to MyCard on 24 November 2025 and are issued by NAB; the booklet never names Citi, and citibank.com.au no longer resolves. The file opens with a variation notice effective 1 October 2026, already in force, which changes which cards are Level 1 and therefore which get travel cover.",
   "words": 28058
  },
  {
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet-nov-2025.pdf",
   "label": "MyCard Credit Cards Complimentary Insurance Policy Information Booklet, effective 26 November 2025",
   "role": "combined",
   "governs": "superseded",
   "note": "Still the document that applies to an insurable event before 15 May 2026.",
   "words": 29201
  }
 ],
 "insurer": {
  "name": "Allianz Australia Insurance Limited",
  "abn": "15000122850",
  "afsl": "234708",
  "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000",
  "citation": {
   "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington Street, Sydney, NSW 2000",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "policy_owner": null,
 "cover_basis": {
  "basis": "group_policy_beneficiary",
  "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
  "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "eligible, you have the benefit of cover as a third party beneficiary by reason of the statutory operation of Section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=4",
   "page": 4,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2026-05-15",
  "quote": "Effective 15 May 2026 Contact Allianz Global Assistance Claims & Enquiries Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia)…",
  "citation": {
   "quote": "Effective 15 May 2026 Contact Allianz Global Assistance Claims & Enquiries Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia)",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "minimum_amount",
  "amount_aud": 500,
  "note": null,
  "quote": "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": "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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "residency": {
  "required": true,
  "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
  "citation": {
   "quote": "you reside in Australia (including holders of a visa issued under the Migration Act 1958 (Cth) which entitles the holder of the visa to residency)",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 80,
  "stated_as": "aged under 81 years",
  "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
  "citation": {
   "quote": "you are aged under 81 years at the time you become eligible for the cover available by meeting conditions 1 to 3 listed above",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 6,
    "unit": "months",
    "applies_to": "cardholders, their spouses and/or dependants",
    "stated": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants"
   }
  ],
  "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
  "citation": {
   "quote": "Up to six (6) consecutive months for cardholders, their spouses and/or dependants",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=11",
   "page": 11,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "excluded_unless_approved",
  "quote": "No cover is available for any claims arising from, related to or associated with any 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": "No cover is available for any claims arising from, related to or associated with any 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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=17",
   "page": 17,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "covers_offered": {
  "covers": [
   "International Travel Insurance",
   "Domestic Travel Insurance",
   "Rental Vehicle Excess Insurance in Australia",
   "Purchase Protection Insurance",
   "Extended Warranty Insurance"
  ],
  "quote": "International Travel Insurance; Domestic Travel Insurance; Rental Vehicle Excess Insurance in Australia; Purchase Protection Insurance; Extended Warranty Insurance",
  "citations": [
   {
    "quote": "International Travel Insurance",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2",
    "page": 2,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Domestic Travel Insurance",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
    "page": 3,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Rental Vehicle Excess Insurance in Australia",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
    "page": 3,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Purchase Protection Insurance",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
    "page": 3,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Extended Warranty Insurance",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=3",
    "page": 3,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05"
   }
  ]
 },
 "travel_cover": {
  "international": true,
  "domestic": true,
  "named_as": [
   "International Travel Insurance",
   "Domestic Travel Insurance"
  ],
  "means": null,
  "quote": "Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email:…",
  "citation": {
   "quote": "Online: Lodge your International Travel Insurance claim at: travelclaims.com.au Access claim forms 24 hours a day, 7 days a week at: checkyourcover/mycard Phone: 1800 072 791 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to 5.00pm AEST Email:",
   "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=2",
   "page": 2,
   "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {
  "overseas_medical": {
   "stated": "$20 million",
   "kind": "amount",
   "amount_aud": 20000000,
   "section": "1.2",
   "citation": {
    "quote": "1.2 Overseas Emergency Medical",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12",
    "page": 12,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05",
    "cells": [
     "$20 million"
    ]
   }
  },
  "cancellation": {
   "stated": "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:",
   "kind": "amount",
   "amount_aud": 25000,
   "section": "2.1",
   "citation": {
    "quote": "2.1 Cancellation",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
    "page": 13,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05",
    "cells": [
     "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:"
    ]
   }
  },
  "luggage_total": {
   "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, subject to the following sub-limits:",
   "kind": "amount",
   "amount_aud": 15000,
   "section": "4.1",
   "citation": {
    "quote": "4.1 Luggage",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
    "page": 13,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "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, subject to the following sub-limits:"
    ]
   }
  },
  "rental_vehicle_excess": {
   "stated": "",
   "kind": "stated_in_sub_limits",
   "amount_aud": null,
   "section": "5.1",
   "note": "this section's limits are the sub-limits listed under it",
   "citation": {
    "quote": "5.1 Rental Vehicle Excess",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
    "page": 14,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05"
   }
  },
  "personal_liability": {
   "stated": "Level 1 Cards – 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": "6.1 Personal Liability",
    "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
    "page": 14,
    "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
    "confirmed": "2026-11-05",
    "cells": [
     "Level 1 Cards – 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",
  "pay-whole-fare",
  "points-count",
  "australian-residents-only",
  "age-to-80",
  "overseas-6-months",
  "domestic-28-days",
  "pre-existing-if-approved"
 ],
 "conditions": {
  "lines": [
   "Travel cover comes only with the MyCard Premier and Premier Qantas cards (the Prestige and Premier cards before 1 October 2026).",
   "Overseas, a return trip by air or cruise is covered once you have charged at least $500 of prepaid travel costs, such as fares, accommodation or a tour, to the card before you leave. A return flight bought with frequent flyer points counts if at least 15,000 points earned on a MyCard card went into that programme in the 12 months before.",
   "Within Australia, a return domestic flight is covered when you charge the whole fare, or at least $250 of prepaid travel costs, to the card before you go.",
   "For overseas cover you have to live in Australia and be under 81 when you qualify. Within Australia, claims for the injury, illness or death of anyone 81 or over are not covered.",
   "One trip is covered for up to six months overseas, or 28 days within Australia.",
   "Overseas, pre-existing medical conditions are not covered unless the insurer confirms in writing that yours is."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "f2f3611b0f5bb356a531cffc4c7c6375089d6859b2493ccdef601a58d070c2c1"
 },
 "generated_at": "2026-11-06T03:57:27Z",
 "benefit_tables": [
  {
   "cover": "International Travel Insurance",
   "kind": "limit",
   "rule": "card.limits.section_table",
   "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": "1.1 Overseas Emergency Assistance (including Medical Evacuation and Repatriation)",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12",
      "page": 12,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "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": "1.2 Overseas Emergency Medical",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12",
      "page": 12,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "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 $2,000 per person for emergency dental treatment for sudden and acute pain (toothache) to natural teeth.",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.3 Overseas Emergency Dental (Spontaneous Toothache)",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12",
      "page": 12,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $2,000 per person for emergency dental treatment for sudden and acute pain (toothache) to natural teeth."
      ]
     }
    },
    {
     "section": "1.4",
     "benefit_as_printed": "Hospital Cash Allowance",
     "is_sub_limit": false,
     "stated": "$100 per person per day 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": "1.4 Hospital Cash Allowance",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12",
      "page": 12,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "$100 per person per day 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": "1.5",
     "benefit_as_printed": "Accidental Death",
     "is_sub_limit": false,
     "stated": "$50,000 per cardholder $50,000 for a spouse $25,000 per dependant Up to a maximum total limit of $150,000.",
     "kind": "amount",
     "amount_aud": 150000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.5 Accidental Death",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=12",
      "page": 12,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "$50,000 per cardholder $50,000 for a spouse $25,000 per dependant Up to a maximum total limit of $150,000."
      ]
     }
    },
    {
     "section": "1.6",
     "benefit_as_printed": "Funeral Expenses",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $60,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 60000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.6 Funeral Expenses",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $60,000 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 $13,000 each for a cardholder or spouse. No cover is available for dependants.",
     "kind": "amount",
     "amount_aud": 13000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "1.7 Loss of Income",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Your verified income per week, up to a maximum total limit of $13,000 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": "$500 per person.",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.8 Assault requiring Hospital Admission",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "$500 per person."
      ]
     }
    },
    {
     "section": "1.9",
     "benefit_as_printed": "Permanent Disability",
     "is_sub_limit": false,
     "stated": "$50,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 50000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1.9 Permanent Disability",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "$50,000 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 per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:",
     "kind": "amount",
     "amount_aud": 25000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1 Cancellation",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit per cardholder or spouse of $25,000 (dependants are included in the limit available to the cardholder or spouse) except:"
      ]
     }
    },
    {
     "section": "2.1.1 b)",
     "benefit_as_printed": "Travel agents cancellation fees",
     "is_sub_limit": true,
     "stated": "$2,000 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser.",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2.1.1 b) Travel agents cancellation fees",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "$2,000 or the level of commission or service fee earned on the booking by the travel agent, whichever is the lesser."
      ]
     }
    },
    {
     "section": "2.1.1 d)",
     "benefit_as_printed": "Rescheduling your journey",
     "is_sub_limit": true,
     "stated": "Up to $75 per person per day, up to a maximum total limit of $500 per person for reasonable additional meal costs. Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey.",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states a different limit for each card level",
     "citation": {
      "quote": "2.1.1 d) Rescheduling your journey",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $75 per person per day, up to a maximum total limit of $500 per person for reasonable additional meal costs. Up to a maximum total limit of $250 per person for reasonable internet use and telephone expenses to reschedule your journey."
      ]
     }
    },
    {
     "section": "2.2",
     "benefit_as_printed": "Withdrawal of Services",
     "is_sub_limit": false,
     "stated": "$50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "2.2 Withdrawal of Services",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "$50 per person per 24 consecutive hours, up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "is_sub_limit": false,
     "stated": "$200,000",
     "kind": "amount",
     "amount_aud": 200000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "$200,000"
      ]
     }
    },
    {
     "section": "3.2",
     "benefit_as_printed": "Travel Delay Expenses",
     "is_sub_limit": false,
     "stated": "After 6 consecutive hours delay, and for each subsequent 24 consecutive hour period thereafter, up to $500 per person for meals and accommodation expenses up to a maximum total limit of $2,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.2 Travel Delay Expenses",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "After 6 consecutive hours delay, and for each subsequent 24 consecutive hour period thereafter, up to $500 per person for meals and accommodation expenses up to a maximum total limit of $2,000 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 $3,250 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 3250,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.3 Alternative Transport Expenses",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,250 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.4",
     "benefit_as_printed": "Return home and Resumption of Journey due to Relative’s Death or Hospital Admission",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.4 Return home and Resumption of Journey due to Relative’s Death or Hospital Admission",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.5",
     "benefit_as_printed": "Domestic Pet Accommodation",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.5 Domestic Pet Accommodation",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.6",
     "benefit_as_printed": "Emergency Accommodation due to Terrorism",
     "is_sub_limit": false,
     "stated": "Up to $300 per person, per day, up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.6 Emergency Accommodation due to Terrorism",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $300 per person, per day, up to a maximum total limit of $3,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "3.7",
     "benefit_as_printed": "Hijack",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.7 Hijack",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $10,000 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 $15,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse, subject to the following sub-limits:",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1 Luggage",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "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, subject to the following sub-limits:"
      ]
     }
    },
    {
     "section": "4.1.1 a)",
     "benefit_as_printed": "Stolen, accidentally damaged or permanently lost covered items",
     "is_sub_limit": true,
     "stated": "Up to $4,000 per item for computers, cameras and video cameras. Up to $1,000 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": "4.1.1 a) Stolen, accidentally damaged or",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=13",
      "page": 13,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $4,000 per item for computers, cameras and video",
       "cameras. Up to $1,000 per item for any other covered item, including mobile phones."
      ]
     }
    },
    {
     "section": "4.1.1 b)",
     "benefit_as_printed": "Covered items left in a vehicle during daylight hours",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1.1 b) Covered items left in a vehicle during daylight hours",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $5,000"
      ]
     }
    },
    {
     "section": "4.1.1 c)",
     "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 4.1.1 c) of Part E – The Cover Available, which is limited to the maximum item limits in 4.1.1 a).",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "4.1.1 c) Valuables left in a vehicle or checked-in luggage",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "No cover available, except for the items described in the circumstances under 4.1.1 c) of Part E – The Cover Available, which is limited to the maximum item limits in 4.1.1 a)."
      ]
     }
    },
    {
     "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": "4.2 Travel Documents, Transaction Cards & Travellers Cheques",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    {
     "section": "4.2.1 a)",
     "benefit_as_printed": "Reissue or replacement cost",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2.1 a) Reissue or replacement cost",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "4.2.1 b)",
     "benefit_as_printed": "Fraudulent use",
     "is_sub_limit": true,
     "stated": "Up to a maximum total limit of $5,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.2.1 b) Fraudulent use",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $5,000 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 $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.3 Luggage Delay",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500 after a delay of 10 consecutive hours, and an additional $1,000 after a delay of 72 consecutive hours, up to a maximum total limit of $1,500 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "4.4",
     "benefit_as_printed": "Replacement Sporting Equipment",
     "is_sub_limit": false,
     "stated": "Up to a maximum total limit of $200 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 200,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.4 Replacement Sporting Equipment",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $200 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "5.1",
     "benefit_as_printed": "Rental Vehicle Excess",
     "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": "5.1 Rental Vehicle Excess",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05"
     }
    },
    {
     "section": "5.1.1 a)",
     "benefit_as_printed": "Rental vehicle damage or theft",
     "is_sub_limit": true,
     "stated": "Level 1 Cards – Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "amount",
     "amount_aud": 10000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "5.1.1 a) Rental vehicle damage or theft",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Level 1 Cards – Up to a maximum total limit of $10,000 per cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
      ]
     }
    },
    {
     "section": "5.1.1 b)",
     "benefit_as_printed": "Return of rental vehicle",
     "is_sub_limit": true,
     "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": "5.1.1 b) Return of rental vehicle",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "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": "6.1",
     "benefit_as_printed": "Personal Liability",
     "is_sub_limit": false,
     "stated": "Level 1 Cards – 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": "6.1 Personal Liability",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Level 1 Cards – 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."
      ]
     }
    },
    {
     "section": "6.2",
     "benefit_as_printed": "Legal 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": "6.2 Legal Expenses",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=14",
      "page": 14,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "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."
      ]
     }
    }
   ]
  },
  {
   "cover": "Domestic Travel Insurance",
   "kind": "limit",
   "rule": "card.limits.section_table",
   "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.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=34",
      "page": 34,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "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",
     "is_sub_limit": false,
     "stated": "4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined",
     "kind": "amount",
     "amount_aud": 300,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "2.1 Flight Delay",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=34",
      "page": 34,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "4 hours or more, $125 per person up to a maximum total limit of $300 for all claims combined"
      ]
     }
    },
    {
     "section": "3.1",
     "benefit_as_printed": "Additional Expenses",
     "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": "3.1 Additional Expenses",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=34",
      "page": 34,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $3,000"
      ]
     }
    },
    {
     "section": "4.1",
     "benefit_as_printed": "Luggage",
     "is_sub_limit": false,
     "stated": "Up to $750 for each covered item, up to a maximum total limit of $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "4.1 Luggage",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=34",
      "page": 34,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750 for each covered item, up to a maximum total limit of $2,000"
      ]
     }
    },
    {
     "section": "4.2",
     "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": "4.2 Luggage Delay",
      "url": "https://www.mycard.com.au/content/dam/mycard/documents/terms-and-conditions/complimentary-insurance-policy-information-booklet.pdf#page=34",
      "page": 34,
      "document_sha256": "3ec3ff54335854cb8ecd461d7252c91b4198bd187db9c10670fe95ca7b44d624",
      "confirmed": "2026-11-05",
      "cells": [
       "12 hours or more, $150 per person, up to a maximum total limit of $400 for all claims combined"
      ]
     }
    }
   ]
  }
 ],
 "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."
}