{
 "programme_slug": "pn-bank-cards",
 "issuer": "P&N Bank",
 "programme": "P&N Bank Visa Platinum credit card insurance",
 "issuer_page": "https://www.pnbank.com.au/cards/credit-cards/visa-platinum/",
 "page": "https://deepalmanac.com/au/insurance/travel/cards/pn-bank-cards/",
 "governing_document": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
 "documents": [
  {
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf",
   "label": "P&N Bank Visa Platinum Credit Card Insurance Policy Terms and Conditions, effective 1 February 2025",
   "role": "combined",
   "governs": "current",
   "note": "The group policy is held by Cuscal, the mutuals' payments provider, not by P&N -- which is why this booklet and Beyond Bank's are the same policy under two bank names. Neither document says so on its face.",
   "words": 27483
  }
 ],
 "insurer": {
  "name": "Chubb Insurance Australia Limited",
  "abn": "23001642020",
  "afsl": null,
  "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
  "citation": {
   "quote": "Chubb Insurance Australia Limited (ABN 23 001 642 020, Australian Financial Service (AFS) Licence No",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=9",
   "page": 9,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "register": {
  "outcome": "apra_authorised",
  "authorised": true,
  "matched_name": "Chubb Insurance Australia Ltd",
  "register_section": "Authorised to conduct new or renewal insurance business",
  "afs_licence_number": "239687"
 },
 "group_policy_manager": null,
 "policy_owner": {
  "name": "Cuscal Limited",
  "quote": "is pursuant to a Group Policy held by Cuscal Limited, issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687), the benefit of which is provided on a complimentary basis to Visa Platinum Credit Card Members, subject to eligibility requirements, terms, conditions, limits and…",
  "citation": {
   "quote": "is pursuant to a Group Policy held by Cuscal Limited, issued and underwritten by Chubb Insurance Australia Limited (ABN 23 001 642 020, AFSL 239687), the benefit of which is provided on a complimentary basis to Visa Platinum Credit Card Members, subject to eligibility requirements, terms, conditions, limits and",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=38",
   "page": 38,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "cover_basis": {
  "basis": "group_policy_beneficiary",
  "means": "The bank owns the policy. The cardholder may claim on it when they are eligible, but holds no policy of their own, cannot vary it and has no cooling-off right.",
  "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
  "citation": {
   "quote": "Section 48 of the Insurance Contracts Act Access to this insurance is provided to You solely by reason of the statutory operation of section 48 of the Insurance Contracts Act 1984 (Cth)",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=4",
   "page": 4,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "effective_date": null,
 "charge_requirement": {
  "kind": "full_fare",
  "amount_aud": null,
  "note": "no dollar minimum: the whole outbound fare for the trip must go on the card",
  "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s P&N Bank Card Account",
  "citation": {
   "quote": "departure date You pay the full amount of Your return Scheduled Flight or Scheduled Cruise ticket by charging the payment to the Card Member’s P&N Bank Card Account",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=10",
   "page": 10,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "return_ticket": null,
 "residency": {
  "required": true,
  "quote": "who are a Resident of Australia",
  "citation": {
   "quote": "who are a Resident of Australia",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
   "page": 5,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "age_limit": {
  "maximum_age": 79,
  "stated_as": "79 years of age or younger",
  "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
  "citation": {
   "quote": "who are seventy-nine (79) years of age or younger when making a Relevant Travel Purchase",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
   "page": 5,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "period_of_cover": {
  "periods": [
   {
    "count": 14,
    "unit": "days",
    "applies_to": "a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
    "stated": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip"
   },
   {
    "count": 180,
    "unit": "days",
    "applies_to": "an Overseas Return Trip",
    "stated": "eighty (180) consecutive days for an Overseas Return Trip"
   }
  ],
  "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
  "citation": {
   "quote": "Fourteen (14) consecutive days for a Domestic Return Trip • One hundred and eighty (180) consecutive days for an Overseas Return Trip",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=5",
   "page": 5,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "activation": null,
 "pre_existing_conditions": {
  "cover": "excluded",
  "quote": "Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
  "citation": {
   "quote": "Pre-Existing Medical Conditions This policy does not cover any Pre-Existing Medical Conditions under Sections A – L (below)",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=7",
   "page": 7,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "covers_offered": null,
 "travel_cover": {
  "international": true,
  "domestic": false,
  "named_as": null,
  "means": null,
  "quote": "Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24 Section E - Loss of Income Cover 24 Section F - Resumption of Long Overseas Trip Cover 25 Section G - Trip Delay Cover 26 3",
  "citation": {
   "quote": "Section B - Overseas Medical Emergency Expenses Cover 22 Section C - Accidental Death Cover 24 Section D - Public Transport Accident Cover 24 Section E - Loss of Income Cover 24 Section F - Resumption of Long Overseas Trip Cover 25 Section G - Trip Delay Cover 26 3",
   "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=3",
   "page": 3,
   "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
   "confirmed": "2026-11-05"
  }
 },
 "limits": {},
 "limits_read_from": "Travel Insurance, Overseas Return Trip",
 "not_read": [
  "some benefit limits"
 ],
 "labels": [
  "overseas",
  "domestic",
  "cruise",
  "return-trips-only",
  "pay-whole-fare",
  "pay-part-fare",
  "australian-residents-only",
  "age-to-79",
  "overseas-180-days",
  "domestic-14-days",
  "pre-existing-not-covered"
 ],
 "conditions": {
  "lines": [
   "Travel cover comes with the P&N Bank Visa Platinum credit card.",
   "Overseas, a return trip is covered once you have paid the whole return flight or cruise fare with the card before you leave.",
   "Within Australia, a return trip is covered when you pay the whole return flight or cruise fare, or at least $500 of accommodation, with the card.",
   "Your card account has to be open when you pay: not cancelled, suspended or terminated.",
   "You have to live in Australia and be 79 or younger.",
   "One trip is covered for up to 180 days overseas, or 14 days within Australia.",
   "Pre-existing medical conditions are not covered."
  ],
  "written_on": "2026-10-15",
  "written_against_sha256": "72c5da19f5186d95d8357e5ab23cc6f2eb42735ae10f95d7785885b9f3f181dc"
 },
 "generated_at": "2026-11-06T03:28:46Z",
 "benefit_tables": [
  {
   "cover": "Travel Insurance",
   "column": "Overseas Return Trip",
   "kind": "limit",
   "rule": "card.limits.schedule_of_benefits",
   "rows": [
    {
     "section": null,
     "benefit_as_printed": "Trip Cancellation and Amendment Cover (section limit)",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to $20,000",
     "kind": "amount",
     "amount_aud": 20000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Trip Cancellation and Amendment Cover (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $20,000",
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Travel agent commission (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $750 or 15%, whichever is the lesser",
     "kind": "amount",
     "amount_aud": 750,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Travel agent commission (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750 or 15%, whichever is the lesser",
       "Up to $500 or 15%, whichever is the lesser"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. Additional travel and accommodation (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "c. Additional travel and accommodation (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Overseas Medical Emergency Cover 1. In the event of a medical emergency (section limit)",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to $560,000*",
     "kind": "amount",
     "amount_aud": 560000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Overseas Medical Emergency Cover 1. In the event of a medical emergency (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $560,000*"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. Emergency Dental (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $1,250",
     "kind": "amount",
     "amount_aud": 1250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. Emergency Dental (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,250"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "3. Repatriation/Evacuation (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $250,000",
     "kind": "amount",
     "amount_aud": 250000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3. Repatriation/Evacuation (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "4. Incidental expenses each 24 hours (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $50 per 24-hour period up to a maximum of $3,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "4. Incidental expenses each 24 hours (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $50 per 24-hour period up to a maximum of $3,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "5. Extra accommodation (room only) (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $200 per 24-hour period up to a maximum of $4,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "5. Extra accommodation (room only) (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $200 per 24-hour period up to a maximum of $4,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6. (a) Return economy airfare (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $1,000",
     "kind": "amount",
     "amount_aud": 1000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "6. (a) Return economy airfare (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $1,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "6. (b) Extra accommodation (room-only) (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $150 per 24-hour period up to a maximum of $2,100",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "6. (b) Extra accommodation (room-only) (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $150 per 24-hour period up to a maximum of $2,100"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. In the Event Of Your death (Repatriation/Funeral/Burial Costs) (section limit)",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. In the Event Of Your death (Repatriation/Funeral/ Burial Costs) (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $15,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "In the event of Your death in a Schengen member state",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to 30,000 EUR",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states no amount in Australian dollars",
     "citation": {
      "quote": "In the event of Your death in a Schengen member state",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 30,000 EUR",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Loss of income (section limit)",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to $13,000",
     "kind": "amount",
     "amount_aud": 13000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Loss of income (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $13,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Monthly Salary (up to 5 months)",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to $2,600 per month",
     "kind": "amount",
     "amount_aud": 2600,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Monthly Salary (up to 5 months)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,600 per month"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1. Returning to Australia for a Close Relative",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $3,000",
     "kind": "amount",
     "amount_aud": 3000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1. Returning to Australia for a Close Relative",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. Returning to Australia for a Close Relative with a Pre-Existing Medical Condition",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. Returning to Australia for a Close Relative with a Pre-Existing Medical Condition",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1. Delayed, cancelled, overbooked or missed onward flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $250, after 6 hours",
     "kind": "amount",
     "amount_aud": 250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1. Delayed, cancelled, overbooked or missed onward flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250, after 6 hours",
       "Up to $100, after 6 hours"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. Extended Delayed, cancelled, overbooked or missed onward flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $250 per 24-hour period (first payable after 30 hours) to a maximum of $1,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "2. Extended Delayed, cancelled, overbooked or missed onward flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250 per 24-hour period (first payable after 30 hours) to a maximum of $1,000",
       "Up to $100 per 24-hour period (first payable after 30 hours) to a maximum of $300"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "3. Delay of Personal Baggage checked-in on Scheduled Flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $400, after 12 hours",
     "kind": "amount",
     "amount_aud": 400,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3. Delay of Personal Baggage checked-in on Scheduled Flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $400, after 12 hours",
       "Up to $100, after 12 hours"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "4. Extended Delay of Personal Baggage checked-in on Scheduled Flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $400 per 24-hour period (first payable after 36 hours) to a maximum of $2,000",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "4. Extended Delay of Personal Baggage checked-in on Scheduled Flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $400 per 24-hour period (first payable after 36 hours) to a maximum of $2,000",
       "Up to $100 per 24-hour period (first payable after 36 hours)to a maximum of $300"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "5. Delayed arrival to a Special Event",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $750",
     "kind": "amount",
     "amount_aud": 750,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "5. Delayed arrival to a Special Event",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(a) Money and Travel Documents (sub-limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(a) Money and Travel Documents (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Up to $250"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(b) Maximum total of all Valuables (including sub-limits i. to iv.);",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $13,000",
     "kind": "amount",
     "amount_aud": 13000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(b) Maximum total of all Valuables (including sub-limits i. to iv.);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $13,000",
       "Up to $1,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "i. One (1) Smartphone (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "i. One (1) Smartphone (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "ii. One (1) laptop (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "ii. One (1) laptop (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iv. Any other Valuable item (sub-limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "iv. Any other Valuable item (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(c) any single item or Pair or Set of items (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(c) any single item or Pair or Set of items (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $6,200",
     "kind": "amount",
     "amount_aud": 6200,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $6,200",
       "Up to $1,850"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(a) Return economy airfare",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(a) Return economy airfare",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $800"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $300 per 24-hour period to a maximum of $4,200",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $300 per 24-hour period to a maximum of $4,200",
       "Up to $150 per 24-hour period to a maximum of $1,050"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $6,200",
     "kind": "amount",
     "amount_aud": 6200,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $6,200",
       "Up to $1,850"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(a) Return economy airfare",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(a) Return economy airfare",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $800"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $300 per 24-hour period to a maximum of $4,200",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $300 per 24-hour period to a maximum of $4,200",
       "Up to $150 per 24-hour period to a maximum of $1,050"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Liability Cover",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $2,500,000",
     "kind": "amount",
     "amount_aud": 2500000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability Cover",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,500,000",
       "Up to $1,000,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Rental Vehicle Excess Cover",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $5,000",
     "kind": "amount",
     "amount_aud": 5000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Excess Cover",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $1,250"
      ]
     }
    }
   ]
  },
  {
   "cover": "Travel Insurance",
   "column": "Domestic Return Trip",
   "kind": "limit",
   "rule": "card.limits.schedule_of_benefits",
   "rows": [
    {
     "section": null,
     "benefit_as_printed": "Trip Cancellation and Amendment Cover (section limit)",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Trip Cancellation and Amendment Cover (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $20,000",
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "b. Travel agent commission (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Up to $500 or 15%, whichever is the lesser",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "b. Travel agent commission (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750 or 15%, whichever is the lesser",
       "Up to $500 or 15%, whichever is the lesser"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "c. Additional travel and accommodation (sub-limit)",
     "is_sub_limit": true,
     "page": 19,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "c. Additional travel and accommodation (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. In the Event Of Your death (Repatriation/Funeral/Burial Costs) (section limit)",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Up to $15,000",
     "kind": "amount",
     "amount_aud": 15000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "2. In the Event Of Your death (Repatriation/Funeral/ Burial Costs) (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $15,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "In the event of Your death in a Schengen member state",
     "is_sub_limit": false,
     "page": 19,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "In the event of Your death in a Schengen member state",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=19",
      "page": 19,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to 30,000 EUR",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1. Returning to Australia for a Close Relative",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "1. Returning to Australia for a Close Relative",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $3,000",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "1. Delayed, cancelled, overbooked or missed onward flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $100, after 6 hours",
     "kind": "amount",
     "amount_aud": 100,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "1. Delayed, cancelled, overbooked or missed onward flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250, after 6 hours",
       "Up to $100, after 6 hours"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "2. Extended Delayed, cancelled, overbooked or missed onward flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $100 per 24-hour period (first payable after 30 hours) to a maximum of $300",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "2. Extended Delayed, cancelled, overbooked or missed onward flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $250 per 24-hour period (first payable after 30 hours) to a maximum of $1,000",
       "Up to $100 per 24-hour period (first payable after 30 hours) to a maximum of $300"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "3. Delay of Personal Baggage checked-in on Scheduled Flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $100, after 12 hours",
     "kind": "amount",
     "amount_aud": 100,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "3. Delay of Personal Baggage checked-in on Scheduled Flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $400, after 12 hours",
       "Up to $100, after 12 hours"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "4. Extended Delay of Personal Baggage checked-in on Scheduled Flight",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $100 per 24-hour period (first payable after 36 hours)to a maximum of $300",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "4. Extended Delay of Personal Baggage checked-in on Scheduled Flight",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $400 per 24-hour period (first payable after 36 hours) to a maximum of $2,000",
       "Up to $100 per 24-hour period (first payable after 36 hours)to a maximum of $300"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "5. Delayed arrival to a Special Event",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Not Covered",
     "kind": "no_cover",
     "amount_aud": 0,
     "citation": {
      "quote": "5. Delayed arrival to a Special Event",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $750",
       "Not Covered"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $2,000",
     "kind": "amount",
     "amount_aud": 2000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Baggage, Valuables, Money and Travel Documents Cover (section limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $15,000",
       "Up to $2,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(a) Money and Travel Documents (sub-limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $250",
     "kind": "amount",
     "amount_aud": 250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(a) Money and Travel Documents (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $500",
       "Up to $250"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(b) Maximum total of all Valuables (including sub-limits i. to iv.);",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $1,500",
     "kind": "amount",
     "amount_aud": 1500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(b) Maximum total of all Valuables (including sub-limits i. to iv.);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $13,000",
       "Up to $1,500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "i. One (1) Smartphone (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Included in above limit",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states no amount in Australian dollars",
     "citation": {
      "quote": "i. One (1) Smartphone (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "ii. One (1) laptop (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Included in above limit",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states no amount in Australian dollars",
     "citation": {
      "quote": "ii. One (1) laptop (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Included in above limit",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states no amount in Australian dollars",
     "citation": {
      "quote": "iii. One (1) camera (including lenses and accessories) (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "iv. Any other Valuable item (sub-limit)",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Included in above limit",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states no amount in Australian dollars",
     "citation": {
      "quote": "iv. Any other Valuable item (sub-limit)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Included in above limit"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(c) any single item or Pair or Set of items (sub-limit);",
     "is_sub_limit": true,
     "page": 20,
     "stated": "Up to $500",
     "kind": "amount",
     "amount_aud": 500,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(c) any single item or Pair or Set of items (sub-limit);",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $500"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $1,850",
     "kind": "amount",
     "amount_aud": 1850,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Hijack Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $6,200",
       "Up to $1,850"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(a) Return economy airfare",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $800",
     "kind": "amount",
     "amount_aud": 800,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(a) Return economy airfare",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $800"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $150 per 24-hour period to a maximum of $1,050",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $300 per 24-hour period to a maximum of $4,200",
       "Up to $150 per 24-hour period to a maximum of $1,050"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $1,850",
     "kind": "amount",
     "amount_aud": 1850,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Kidnap Cover (section limit is an aggregate limit for all Your Close Relatives)",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $6,200",
       "Up to $1,850"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(a) Return economy airfare",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $800",
     "kind": "amount",
     "amount_aud": 800,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "(a) Return economy airfare",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,000",
       "Up to $800"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $150 per 24-hour period to a maximum of $1,050",
     "kind": "unparsed",
     "amount_aud": null,
     "note": "the cell states several amounts and no single maximum total limit",
     "citation": {
      "quote": "(b) Extra accommodation (room-only) for each twenty-four (24) hour period",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $300 per 24-hour period to a maximum of $4,200",
       "Up to $150 per 24-hour period to a maximum of $1,050"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Personal Liability Cover",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $1,000,000",
     "kind": "amount",
     "amount_aud": 1000000,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Personal Liability Cover",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $2,500,000",
       "Up to $1,000,000"
      ]
     }
    },
    {
     "section": null,
     "benefit_as_printed": "Rental Vehicle Excess Cover",
     "is_sub_limit": false,
     "page": 20,
     "stated": "Up to $1,250",
     "kind": "amount",
     "amount_aud": 1250,
     "basis": "the only amount in the cell",
     "citation": {
      "quote": "Rental Vehicle Excess Cover",
      "url": "https://www.pnbank.com.au/globalassets/pn-bank/documents/pdfs/visa-platinum-credit-card-insurance-policy-information-booklet.pdf#page=20",
      "page": 20,
      "document_sha256": "2475ecff0ea48b90b9c28721841ae6a88a357c585382d42a7624ccf70a18ec9e",
      "confirmed": "2026-11-05",
      "cells": [
       "Up to $5,000",
       "Up to $1,250"
      ]
     }
    }
   ]
  }
 ],
 "rows_withheld_for_review": [
  {
   "what": "some benefit limits",
   "why": "9 rows or cells of the table could not be tied to a benefit with certainty and are not published; each is listed with its reason under rows_not_read in this programme's card-benefits file"
  }
 ],
 "no_premium": "There is none. This cover comes with the card; the card's annual fee is a credit product fee, not an insurance premium, and is not collected."
}