{
 "programme_slug": "nab-card-insurance",
 "issuer": "NAB",
 "programme": "NAB card insurance",
 "issuer_page": "https://www.nab.com.au/personal/insurance/complimentary-card-insurances",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/nab-card-insurance/",
 "governing_document": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
 "documents": [
  {
   "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf",
   "label": "NAB Card Insurance Policy Information Booklet effective 15 May 2026",
   "role": "combined",
   "governs": "current",
   "note": "The file NAB's own page links as current. It opens with a notice of change prepared 1 August 2026, which renames three of the eligible cards from 1 October 2026.",
   "words": 28215
  }
 ],
 "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 St, Sydney, NSW, 2000 The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street,…",
  "citation": {
   "quote": "Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850, AFSL 234708 of Level 16, 10 Carrington St, Sydney, NSW, 2000 The Group Policy is issued and managed by: AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631 trading as Allianz Global Assistance of Level 16, 310 Ann Street,",
   "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=1",
   "page": 1,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=1",
   "page": 1,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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": "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": "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=7",
   "page": 7,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": {
  "effective_date": "2026-05-15",
  "quote": "Effective 15 May 2026",
  "citation": {
   "quote": "Effective 15 May 2026",
   "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=2",
   "page": 2,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "confirmed": "2026-11-05"
  }
 },
 "charge_requirement": {
  "kind": "minimum_amount",
  "amount_aud": 500,
  "note": null,
  "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
  "citation": {
   "quote": "before leaving Australia you spend at least $500 on your prepaid travel costs, for example, your return overseas travel ticket, your prepaid overseas accommodation, your prepaid cruise, travel or tour, and you charge these costs to the accountholder’s card account",
   "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
   "page": 22,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
   "page": 22,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
   "page": 22,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=22",
   "page": 22,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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"
   },
   {
    "count": 30,
    "unit": "days",
    "applies_to": "cardholders, their spouses and/or dependants",
    "stated": "Up to thirty (30) consecutive days 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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=24",
   "page": 24,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "excluded",
  "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
  "citation": {
   "quote": "If you have a pre-existing medical condition that is not covered, we will not pay any claims arising from, related to or associated with that condition",
   "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=35",
   "page": 35,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=3",
    "page": 3,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Domestic Travel Insurance",
    "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=5",
    "page": 5,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Rental Vehicle Excess Insurance in Australia",
    "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=5",
    "page": 5,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Purchase Protection Insurance",
    "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=6",
    "page": 6,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "confirmed": "2026-11-05"
   },
   {
    "quote": "Extended Warranty Insurance",
    "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=6",
    "page": 6,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "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: claimmanager.com.au/nab Access claim forms 24 hours a day, 7 days a week at: travel.agaassistance.com.au/nab/make-a-claim Phone 1800 187 025 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to…",
  "citation": {
   "quote": "Online Lodge your International Travel Insurance claim at: claimmanager.com.au/nab Access claim forms 24 hours a day, 7 days a week at: travel.agaassistance.com.au/nab/make-a-claim Phone 1800 187 025 (within Australia) Enquiries Monday to Friday 8.00am to 7.00pm AEST Claims Monday to Friday 8.30am to",
   "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=3",
   "page": 3,
   "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
   "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
    "page": 26,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
    "page": 27,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
    "page": 28,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
    "page": 29,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "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. Level 2 Cards – Up to a maximum total limit of $1,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
   "kind": "unparsed",
   "amount_aud": null,
   "section": "6.1",
   "note": "the cell states a different limit for each card level",
   "citation": {
    "quote": "6.1 Personal Liability",
    "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
    "page": 29,
    "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
    "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. Level 2 Cards – Up to a maximum total limit of $1,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse."
    ]
   }
  }
 },
 "limits_read_from": "International Travel Insurance",
 "not_read": [],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "return-trips-only",
  "pay-part-fare",
  "australian-residents-only",
  "age-to-80",
  "overseas-6-months",
  "overseas-30-days",
  "domestic-28-days",
  "domestic-14-days",
  "pre-existing-if-approved"
 ],
 "conditions": {
  "lines": [
   "Covers a return trip overseas once you have spent at least $500 of your prepaid travel costs, such as the return air or cruise ticket, with your NAB card before you leave Australia.",
   "A trip within Australia is covered if you pay the whole cost of the return domestic flight, or at least $250 of your prepaid travel costs, with the card before you go.",
   "You have to live in Australia, or hold a visa that lets you live here.",
   "For overseas cover you have to be under 81 when you meet these conditions.",
   "With a NAB Rewards Travel (formerly Rewards Signature) or Qantas Rewards Signature card, one trip is covered for up to six months overseas or 28 days within Australia.",
   "With a NAB Qantas Rewards Premium (formerly Qantas Plus) or Platinum Visa Debit card, one trip is covered for up to 30 days overseas or 14 days within Australia.",
   "Pre-existing medical conditions are covered only if the insurer confirms in writing that they are, after an assessment you apply for before you go."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "dc2f168b95cec83626e9ec29a39ca6189a934153dc978668fc492666681678ec"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=26",
      "page": 26,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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": "Up to a maximum total limit of $200,000",
     "kind": "amount",
     "amount_aud": 200000,
     "basis": "the maximum total limit the cell states",
     "citation": {
      "quote": "3.1 Additional Expenses",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to a maximum total limit of $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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=27",
      "page": 27,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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 permanently lost covered items",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=28",
      "page": 28,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
      "page": 29,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
      "page": 29,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
      "page": 29,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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. Level 2 Cards – 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": "unparsed",
     "amount_aud": null,
     "note": "the cell states a different limit for each card level",
     "citation": {
      "quote": "5.1.1 a) Rental vehicle damage or theft",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
      "page": 29,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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. Level 2 Cards – 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": "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
      "page": 29,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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. Level 2 Cards – Up to a maximum total limit of $1,000,000 per event for a cardholder or spouse. Dependants are included in the limit available to the cardholder or spouse.",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states a different limit for each card level",
     "citation": {
      "quote": "6.1 Personal Liability",
      "url": "https://www.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
      "page": 29,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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. Level 2 Cards – Up to a maximum total limit of $1,000,000 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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=29",
      "page": 29,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=70",
      "page": 70,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=70",
      "page": 70,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=70",
      "page": 70,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=70",
      "page": 70,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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.nab.com.au/content/dam/nab/documents/policy/insurance/nab-card-insurance-policy-information-booklet-may-2026.pdf#page=70",
      "page": 70,
      "document_sha256": "908235b83c60acdc5e3bf28c4fa15bce3faad0476c51449ff1a60e73476502e0",
      "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."
}