{
 "generated_at": "2026-11-06T03:07:25Z",
 "source": "Each brand's own Product Disclosure Statement and Target Market Determination, both of which the Corporations Act requires it to publish, linked from data/au-travel-insurance/brands.json.",
 "note": "What each Australian travel insurance brand's own disclosure documents say, with the sentence every fact was read from. A fact with no quote beside it is not published.",
 "why_this_matters": "There is no register of travel insurance brands, and no feed that lists them. A brand is a website with a quote form, so the only way to know one exists is for a person to find it. Each entry's pds_url is likewise pinned by hand: several of these sites publish an archive of superseded documents beside the current one, and a script choosing between them by file name would eventually publish a limit from a document that no longer applies. When a brand issues a new PDS the verification run shows its document changed, or its URL stop resolving, and a person updates this file.",
 "two_documents_per_brand": "Each brand is read twice. The PDS is the authority for what the policy covers and, usually, for who the insurer is. The TMD is the authority for the effective date, the review period and the target market, and gives a second independent statement of the insurer, so where both name one they can be checked against each other. A disagreement between the two documents is itself a finding and is published as one rather than resolved by preferring a document.",
 "not_read_and_why": {
  "per_benefit_limits": "A PDS states its limits in a benefits table with one column per plan. Converted to text those columns interleave — 'Overseas Medical Expenses Yes $Unlimited $Unlimited $Unlimited' — so a limit cannot be tied to the plan it belongs to without reconstructing the table's geometry. Worse, the same documents contain worked examples full of plausible dollar figures ('if You chose a $250 excess', 'limit payable for cameras - $6,000') that a looser rule would publish as policy limits. Only limits stated in a prose sentence are read; the tables are left alone.",
  "excess": "The excess is chosen by the buyer at purchase from a range of options, so there is no single excess for a policy and a document stating '$250' is usually giving an example."
 },
 "copyright": "These documents are the insurers' copyright. The extracted text is cached under data/au-travel-insurance/pds-cache/ and gitignored; only the short sentence each published fact was read from is committed, which is what makes the fact checkable.",
 "stats": {
  "brands": 12,
  "issuer_stated": 12,
  "distinct_insurers": 6,
  "distinct_insurers_counts": "each insurer once, and Lloyd's once however a document spells it, as underwriters.json and insurer-summary.json count them",
  "insurers": {
   "Zurich Australian Insurance Limited": 5,
   "Lloyd's": 2,
   "Mitsui Sumitomo Insurance Company Limited": 2,
   "Tokio Marine & Nichido Fire Insurance Co., Ltd": 1,
   "Allianz Australia Insurance Limited": 1,
   "HDI Global Speciality SE": 1
  },
  "insurers_as_named": {
   "Zurich Australian Insurance Limited": 5,
   "Mitsui Sumitomo Insurance Company Limited": 2,
   "Certain Underwriters at Lloyd's": 1,
   "Tokio Marine & Nichido Fire Insurance Co., Ltd": 1,
   "Allianz Australia Insurance Limited": 1,
   "Lloyd's of London": 1,
   "HDI Global Speciality SE": 1
  },
  "documents_read": 21,
  "documents_not_in_registry": 3,
  "documents_failed": 0,
  "agreement": {
   "one_document_only": 8,
   "disagree": 3,
   "agree": 1
  },
  "checks": {
   "issuer": {
    "stated": 12
   },
   "distributor": {
    "stated": 10,
    "not_stated": 2
   },
   "cooling_off": {
    "stated": 11,
    "not_stated": 1
   },
   "age_limit": {
    "not_stated": 12
   },
   "overseas_medical": {
    "not_stated": 10,
    "stated": 2
   },
   "pds_effective_date": {
    "stated": 8,
    "not_stated": 4
   },
   "tmd_effective_date": {
    "stated": 9,
    "not_checked": 3
   },
   "review_period": {
    "stated": 7,
    "not_checked": 3,
    "not_stated": 2
   },
   "target_market": {
    "stated": 6,
    "not_checked": 3,
    "not_stated": 3
   }
  }
 },
 "wording_overlap": {
  "method": "Each PDS is reduced to the set of its overlapping 8-word runs, and two documents are compared by the share of runs they have in common (intersection over union). Identical documents would score 100%.",
  "why": "To answer whether comparing two brands is worth doing, with a measurement rather than an assumption.",
  "by_relationship": {
   "same_insurer_same_distributor": {
    "pairs": 3,
    "median_pct": 16.1,
    "min_pct": 14.5,
    "max_pct": 17.3
   },
   "same_insurer_different_distributor": {
    "pairs": 9,
    "median_pct": 18.1,
    "min_pct": 0.5,
    "max_pct": 19.8
   },
   "different_insurer": {
    "pairs": 54,
    "median_pct": 0.2,
    "min_pct": 0.1,
    "max_pct": 1.8
   }
  },
  "times_baseline": 90.5,
  "what_it_means": "Two brands on different insurers share almost no wording. Two on the same insurer share a substantial common core, which is that insurer's own definitions, exclusions and claims procedure. But the overlap is far from total, so they are the same insurer's wording differently packaged — different plan names, different benefit tables, different limits — not one product behind two labels. Sharing an insurer means sharing the risk carrier and the claims handling, not the policy.",
  "lloyds_is_not_one_wording": "Lloyd's is grouped as one insurer because it is one regulatory footing, not one underwriting department. Two Lloyd's-backed brands can come from different syndicates and share no wording at all, which is why the same-insurer range below reaches down near the baseline.",
  "pairs": [
   {
    "brands": [
     "australia-post",
     "medibank"
    ],
    "overlap_pct": 19.8,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "australia-post",
     "webjet"
    ],
    "overlap_pct": 19.4,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "budget-direct",
     "webjet"
    ],
    "overlap_pct": 19.3,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "medibank",
     "webjet"
    ],
    "overlap_pct": 19.0,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "australia-post",
     "budget-direct"
    ],
    "overlap_pct": 18.1,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "budget-direct",
     "cover-more"
    ],
    "overlap_pct": 17.9,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "budget-direct",
     "medibank"
    ],
    "overlap_pct": 17.3,
    "relationship": "same_insurer_same_distributor"
   },
   {
    "brands": [
     "cover-more",
     "webjet"
    ],
    "overlap_pct": 16.1,
    "relationship": "same_insurer_same_distributor"
   },
   {
    "brands": [
     "cover-more",
     "medibank"
    ],
    "overlap_pct": 16.0,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "australia-post",
     "cover-more"
    ],
    "overlap_pct": 14.9,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "insureandgo",
     "tick"
    ],
    "overlap_pct": 14.5,
    "relationship": "same_insurer_same_distributor"
   },
   {
    "brands": [
     "fast-cover",
     "zoom"
    ],
    "overlap_pct": 1.8,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-direct",
     "zoom"
    ],
    "overlap_pct": 1.7,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "travel-insurance-direct"
    ],
    "overlap_pct": 1.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "zoom"
    ],
    "overlap_pct": 0.7,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "insureandgo"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "insureandgo"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "racv"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "medibank"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "tick"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-saver",
     "zoom"
    ],
    "overlap_pct": 0.6,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "racv"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "tick"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "tick"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.5,
    "relationship": "same_insurer_different_distributor"
   },
   {
    "brands": [
     "insureandgo",
     "racv"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "webjet"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "racv"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "tick"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "webjet"
    ],
    "overlap_pct": 0.5,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "racv"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "tick"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "insureandgo"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-direct",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.4,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "insureandgo"
    ],
    "overlap_pct": 0.3,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "racv"
    ],
    "overlap_pct": 0.3,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "webjet"
    ],
    "overlap_pct": 0.3,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "fast-cover"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "tick"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "fast-cover"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "budget-direct",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "fast-cover"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "cover-more",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-direct",
     "webjet"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "travel-insurance-saver",
     "webjet"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "webjet",
     "zoom"
    ],
    "overlap_pct": 0.2,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "australia-post",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "medibank"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "fast-cover",
     "webjet"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "insureandgo",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "medibank",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "racv",
     "travel-insurance-saver"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "travel-insurance-direct"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   },
   {
    "brands": [
     "tick",
     "zoom"
    ],
    "overlap_pct": 0.1,
    "relationship": "different_insurer"
   }
  ]
 },
 "brands": [
  {
   "brand_slug": "australia-post",
   "brand": "Australia Post Travel Insurance",
   "site": "https://auspost.com.au/travel-insurance",
   "product": "Comprehensive (policies issued online or by phone from 22 October 2025)",
   "documents": {
    "pds": {
     "kind": "pds",
     "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
     "label": "Australia Post Travel Insurance PDS",
     "status": "ok",
     "http_status": 200,
     "words": 25231,
     "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
     "bytes_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
     "retrieved_at": "2026-11-04T23:17:17Z"
    },
    "tmd": {
     "kind": "tmd",
     "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/tmd/TMD_APC.pdf",
     "label": "Australia Post Travel Insurance Target Market Determination",
     "status": "ok",
     "http_status": 200,
     "words": 3109,
     "content_sha256": "7dfaff53dc8051bc516b64d7dd8c12cfd7383f44bf2d5ffa2d1ec2d0bde38445",
     "bytes_sha256": "31d0a7a83a3f49ddba3d8a22b89a1b42a82d1ed740c292acbc22108cfa2bba62",
     "retrieved_at": "2026-11-04T23:17:18Z"
    }
   },
   "facts": {
    "issuer": {
     "name": "Zurich Australian Insurance Limited",
     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
      "first_seen_at": "2026-10-05T14:51:02Z",
      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=1",
      "page": 1,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "distributor": {
     "name": "Australia Post Services Pty Ltd",
     "abn": "67002599340",
     "afsl": "457551",
     "basis": "authorised_representative",
     "quote": "authorised representative of Australia Post Services Pty Ltd ABN 67 002 599 340, AFSL 457551 (Australia Post) under an arrangement with Travel Insurance Partners who acts under a binder authority with the insurer",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
      "first_seen_at": "2026-10-05T14:51:02Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "authorised representative of Australia Post Services Pty Ltd ABN 67 002 599 340, AFSL 457551 (Australia Post) under an arrangement with Travel Insurance Partners who acts under a binder authority with the insurer",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=18",
      "page": 18,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "cooling_off": {
     "days": 21,
     "quote": "the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
      "first_seen_at": "2026-10-05T14:51:02Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=3",
      "page": 3,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "pds_effective_date": {
     "effective_date": "2025-04-22",
     "quote": "This document was prepared on 22 April 2025",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
      "first_seen_at": "2026-10-05T14:51:02Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "This document was prepared on 22 April 2025",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=48",
      "page": 48,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "tmd_effective_date": {
     "effective_date": "2025-10-22",
     "quote": "effective date on or after 22 October 2025",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/tmd/TMD_APC.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "7dfaff53dc8051bc516b64d7dd8c12cfd7383f44bf2d5ffa2d1ec2d0bde38445",
      "first_seen_at": "2026-10-05T14:51:03Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "effective date on or after 22 October 2025",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/tmd/TMD_APC.pdf#page=1",
      "page": 1,
      "document_sha256": "31d0a7a83a3f49ddba3d8a22b89a1b42a82d1ed740c292acbc22108cfa2bba62",
      "confirmed": "2026-11-05"
     }
    },
    "review_period": {
     "review_months": 24,
     "quote": "We will review this TMD within 2 years from the effective date to ensure it remains appropriate and every 2 years since the last review",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/tmd/TMD_APC.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "7dfaff53dc8051bc516b64d7dd8c12cfd7383f44bf2d5ffa2d1ec2d0bde38445",
      "first_seen_at": "2026-10-05T14:51:03Z",
      "rule": "review_period.declared",
      "stale": false
     },
     "citation": {
      "quote": "We will review this TMD within 2 years from the effective date to ensure it remains appropriate and every 2 years since the last review",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/tmd/TMD_APC.pdf#page=6",
      "page": 6,
      "document_sha256": "31d0a7a83a3f49ddba3d8a22b89a1b42a82d1ed740c292acbc22108cfa2bba62",
      "confirmed": "2026-11-05"
     }
    },
    "target_market": {
     "quote": "product is designed for travellers who want the flexibility to choose options to vary their cover",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/tmd/TMD_APC.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "7dfaff53dc8051bc516b64d7dd8c12cfd7383f44bf2d5ffa2d1ec2d0bde38445",
      "first_seen_at": "2026-10-05T14:51:03Z",
      "rule": "target_market.declared",
      "stale": false
     },
     "citation": {
      "quote": "product is designed for travellers who want the flexibility to choose options to vary their cover",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/tmd/TMD_APC.pdf#page=1",
      "page": 1,
      "document_sha256": "31d0a7a83a3f49ddba3d8a22b89a1b42a82d1ed740c292acbc22108cfa2bba62",
      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=1",
      "page": 1,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    ]
   },
   "automatically_covered_conditions": {
    "read_by_hand": true,
    "written_on": "2026-11-06",
    "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
    "term_used": "existing medical condition",
    "section": {
     "quote": "Existing Medical Conditions We Automatically Include",
     "citation": {
      "quote": "Existing Medical Conditions We Automatically Include",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
      "page": 11,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "who": [],
    "lead": {
     "line": "A condition in the table is covered automatically if all the points below are met.",
     "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:",
     "citation": {
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:",
      "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
      "page": 11,
      "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
      "confirmed": "2026-11-05"
     }
    },
    "criteria_for_every_condition": [
     {
      "line": "Every existing medical condition you have must be on the list.",
      "quote": "all Your Existing Medical Conditions are on this list",
      "citation": {
       "quote": "all Your Existing Medical Conditions are on this list",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
      "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
      "citation": {
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not under investigation for any listed condition.",
      "quote": "You are not under investigation for any of the listed conditions",
      "citation": {
       "quote": "You are not under investigation for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.",
      "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
      "citation": {
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Each condition meets its own criteria in the table.",
      "quote": "Your conditions satisfy the criteria in the table following",
      "citation": {
       "quote": "Your conditions satisfy the criteria in the table following",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "count": 37,
    "conditions": [
     {
      "name": "Acne",
      "citation": {
       "quote": "Acne",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
      "citation": {
       "quote": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Allergy",
      "citation": {
       "quote": "Allergy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "citation": {
         "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
         "page": 11,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no known respiratory conditions (e.g. Asthma)",
        "citation": {
         "quote": "You have no known respiratory conditions (e.g. Asthma)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
         "page": 11,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Anxiety",
      "citation": {
       "quote": "Anxiety",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been diagnosed with Depression in the last 3 years",
        "citation": {
         "quote": "You have not been diagnosed with Depression in the last 3 years",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
         "page": 11,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
         "page": 11,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
         "page": 11,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
         "page": 11,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Asthma",
      "citation": {
       "quote": "Asthma",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
       "page": 11,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You are less than 60 years of age when You purchase the policy",
        "citation": {
         "quote": "You are less than 60 years of age when You purchase the policy",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "citation": {
         "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have been a non-smoker for at least the last 18 months",
        "citation": {
         "quote": "You have been a non-smoker for at least the last 18 months",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t need prescribed oxygen outside of a hospital",
        "citation": {
         "quote": "You don’t need prescribed oxygen outside of a hospital",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
        "citation": {
         "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bell’s Palsy",
      "citation": {
       "quote": "Bell’s Palsy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Bunions",
      "citation": {
       "quote": "Bunions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Carpal Tunnel Syndrome",
      "citation": {
       "quote": "Carpal Tunnel Syndrome",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Cataracts",
      "citation": {
       "quote": "Cataracts",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Glaucoma",
      "citation": {
       "quote": "Glaucoma",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Coeliac Disease",
      "citation": {
       "quote": "Coeliac Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Blindness",
      "citation": {
       "quote": "Congenital Blindness",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Deafness",
      "citation": {
       "quote": "Congenital Deafness",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Depression",
      "citation": {
       "quote": "Depression",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=11",
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       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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      },
      "criteria": [
       {
        "quote": "You have not been hospitalised for this condition in the last 2 years",
        "citation": {
         "quote": "You have not been hospitalised for this condition in the last 2 years",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       },
       {
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        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
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       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
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       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       }
      ]
     },
     {
      "name": "Ear Grommets",
      "citation": {
       "quote": "Ear Grommets",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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      },
      "criteria": [
       {
        "quote": "You don’t have an ear infection",
        "citation": {
         "quote": "You don’t have an ear infection",
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       }
      ]
     },
     {
      "name": "Epilepsy",
      "citation": {
       "quote": "Epilepsy",
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      },
      "criteria": [
       {
        "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
        "citation": {
         "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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      ]
     },
     {
      "name": "Gastric Reflux",
      "citation": {
       "quote": "Gastric Reflux",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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      "criteria": [
       {
        "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
        "citation": {
         "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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       }
      ]
     },
     {
      "name": "Goitre",
      "citation": {
       "quote": "Goitre",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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      "criteria": []
     },
     {
      "name": "Graves’ Disease",
      "citation": {
       "quote": "Graves’ Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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      "criteria": []
     },
     {
      "name": "Gout",
      "citation": {
       "quote": "Gout",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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      "criteria": []
     },
     {
      "name": "Hiatus Hernia",
      "citation": {
       "quote": "Hiatus Hernia",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
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       "confirmed": "2026-11-05"
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      "criteria": []
     },
     {
      "name": "Hip Replacement",
      "citation": {
       "quote": "Hip Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       "confirmed": "2026-11-05"
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      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       }
      ]
     },
     {
      "name": "Knee Replacement",
      "citation": {
       "quote": "Knee Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       }
      ]
     },
     {
      "name": "Shoulder Replacement",
      "citation": {
       "quote": "Shoulder Replacement",
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      },
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       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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      ]
     },
     {
      "name": "Hip Resurfacing",
      "citation": {
       "quote": "Hip Resurfacing",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Hypercholesterolaemia (High Cholesterol)",
      "citation": {
       "quote": "Hypercholesterolaemia (High Cholesterol)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
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         "confirmed": "2026-11-05"
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      ]
     },
     {
      "name": "Hypertension (High Blood Pressure)",
      "citation": {
       "quote": "Hypertension (High Blood Pressure)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have Diabetes (Type I or Type II)",
        "citation": {
         "quote": "You don’t have Diabetes (Type I or Type II)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
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       },
       {
        "quote": "Your Hypertension is stable and managed by Your medical practitioner",
        "citation": {
         "quote": "Your Hypertension is stable and managed by Your medical practitioner",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t suffering symptoms of Hypertension",
        "citation": {
         "quote": "You aren’t suffering symptoms of Hypertension",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
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       },
       {
        "quote": "You aren’t having investigations related to blood pressure",
        "citation": {
         "quote": "You aren’t having investigations related to blood pressure",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Migraine",
      "citation": {
       "quote": "Migraine",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Peptic Ulcer",
      "citation": {
       "quote": "Peptic Ulcer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
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         "confirmed": "2026-11-05"
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      ]
     },
     {
      "name": "Gastric Ulcer",
      "citation": {
       "quote": "Gastric Ulcer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Plantar Fasciitis",
      "citation": {
       "quote": "Plantar Fasciitis",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Raynaud’s Disease",
      "citation": {
       "quote": "Raynaud’s Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Skin Cancer",
      "citation": {
       "quote": "Skin Cancer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
       "page": 12,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Skin Cancer isn’t a Melanoma",
        "citation": {
         "quote": "Your Skin Cancer isn’t a Melanoma",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
        "citation": {
         "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
        "citation": {
         "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=12",
         "page": 12,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Stenosing Tenosynovitis (Trigger Finger)",
      "citation": {
       "quote": "Stenosing Tenosynovitis (Trigger Finger)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
       "page": 13,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Urinary Incontinence",
      "citation": {
       "quote": "Urinary Incontinence",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
       "page": 13,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Underactive Thyroid",
      "citation": {
       "quote": "Underactive Thyroid",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
       "page": 13,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
         "page": 13,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Overactive Thyroid",
      "citation": {
       "quote": "Overactive Thyroid",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
       "page": 13,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
         "page": 13,
         "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
         "confirmed": "2026-11-05"
        }
       }
      ]
     }
    ],
    "notes": [
     {
      "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.",
      "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
      "citation": {
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
       "page": 13,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "otherwise": [
     {
      "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.",
      "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
      "citation": {
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=13",
       "page": 13,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.",
      "quote": "If such cover is applied for and approved, an extra premium may apply.",
      "citation": {
       "quote": "If such cover is applied for and approved, an extra premium may apply.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf#page=10",
       "page": 10,
       "document_sha256": "0fb9e807cab9e7a45da383f4f695d80cd0a0a8024b7bc2e8abe0815ac5a892e6",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "applies_to_plans": null
   },
   "pre_existing_conditions": [
    {
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     "plan": "International Comprehensive Plan",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
      "count": 37,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic Ulcer",
       "Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "international-basic-plan",
     "plan": "International Basic Plan",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "5ad13e81f4f61b7de0d6fa430040b3941db9297cbed993fad75ed7e9b002a795",
     "automatically_covered": {
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      "pds_url": "https://policy.travelinsurancepartners.com.au/partners/aupost/files/documents/pds/PDS_APC.pdf",
      "count": 37,
      "names": [
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       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic Ulcer",
       "Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    }
   ]
  },
  {
   "brand_slug": "budget-direct",
   "brand": "Budget Direct Travel Insurance",
   "site": "https://www.budgetdirect.com.au/travel-insurance.html",
   "product": "Comprehensive",
   "documents": {
    "pds": {
     "kind": "pds",
     "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf",
     "label": "Budget Direct Travel Insurance PDS",
     "status": "ok",
     "http_status": 200,
     "words": 29415,
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    },
    "tmd": {
     "kind": "tmd",
     "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf",
     "label": "Budget Direct Travel Insurance Target Market Determination",
     "status": "ok",
     "http_status": 200,
     "words": 3500,
     "content_sha256": "e48657537c9b0ca972ae689b416be68c24ccfd0d8d2c4526be5bcf530dfb8490",
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    }
   },
   "facts": {
    "issuer": {
     "name": "Zurich Australian Insurance Limited",
     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31",
      "first_seen_at": "2026-10-05T14:50:58Z",
      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=22",
      "page": 22,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
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     }
    },
    "distributor": {
     "name": "Travel Insurance Partners Pty Limited",
     "abn": "73144049230",
     "afsl": "360138",
     "basis": "agent_of_insurer",
     "quote": "Insurance Partners) acts on behalf of the insurer to enter into, vary and cancel the policy and may also be appointed from time to time to assist in the management of claims and deal with complaints on behalf of the insurer in specified circumstances",
     "evidence": {
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      "http_status": 200,
      "document": "pds",
      "content_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31",
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      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "Insurance Partners) acts on behalf of the insurer to enter into, vary and cancel the policy and may also be appointed from time to time to assist in the management of claims and deal with complaints on behalf of the insurer in specified circumstances",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=22",
      "page": 22,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
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     }
    },
    "cooling_off": {
     "days": 21,
     "quote": "this policy for any reason within the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf",
      "http_status": 200,
      "document": "pds",
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      "first_seen_at": "2026-10-05T14:50:58Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "this policy for any reason within the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=9",
      "page": 9,
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      "confirmed": "2026-11-05"
     }
    },
    "pds_effective_date": {
     "effective_date": "2025-12-07",
     "quote": "Date prepared: 7 December 2025 Copyright © 2026 Travel Insurance Partners (ABN 73 144 049 230, AFSL 360138) P74_Budget Direct Travel Insurance PDS_LWIR-022879-2025_01 Budget Direct Travel Insurance C/o-Travel Insurance Partners PO Box 168, North Sydney NSW 2060",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf",
      "http_status": 200,
      "document": "pds",
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      "first_seen_at": "2026-10-05T14:50:58Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "Date prepared: 7 December 2025 Copyright © 2026 Travel Insurance Partners (ABN 73 144 049 230, AFSL 360138) P74_Budget Direct Travel Insurance PDS_LWIR-022879-2025_01 Budget Direct Travel Insurance C/o-Travel Insurance Partners PO Box 168, North Sydney NSW 2060",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=55",
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     }
    },
    "tmd_effective_date": {
     "effective_date": "2026-03-25",
     "quote": "policy effective date on or after 25 March 2026",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "e48657537c9b0ca972ae689b416be68c24ccfd0d8d2c4526be5bcf530dfb8490",
      "first_seen_at": "2026-10-05T14:50:59Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "policy effective date on or after 25 March 2026",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf#page=1",
      "page": 1,
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      "confirmed": "2026-11-05"
     }
    },
    "review_period": {
     "review_months": 24,
     "quote": "We will review this TMD within 2 years from the effective date to ensure it remains appropriate and every 2 years since the last review",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf",
      "http_status": 200,
      "document": "tmd",
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      "rule": "review_period.declared",
      "stale": false
     },
     "citation": {
      "quote": "We will review this TMD within 2 years from the effective date to ensure it remains appropriate and every 2 years since the last review",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf#page=7",
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     }
    },
    "target_market": {
     "quote": "The product is designed for travellers who want the flexibility to choose options to vary their cover",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf",
      "http_status": 200,
      "document": "tmd",
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      "stale": false
     },
     "citation": {
      "quote": "The product is designed for travellers who want the flexibility to choose options to vary their cover",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/tmd/TMD_BDB_BDC.pdf#page=1",
      "page": 1,
      "document_sha256": "0cd2e7e9a133d3f37add608fd3d0100d088fe7105e5816f3a942f25fb3157ae2",
      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=22",
      "page": 22,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
      "confirmed": "2026-11-05"
     }
    ]
   },
   "automatically_covered_conditions": {
    "read_by_hand": true,
    "written_on": "2026-11-06",
    "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31",
    "term_used": "existing medical condition",
    "section": {
     "quote": "Existing Medical Conditions We automatically include",
     "citation": {
      "quote": "Existing Medical Conditions We automatically include",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
      "page": 16,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
      "confirmed": "2026-11-05"
     }
    },
    "who": [],
    "lead": {
     "line": "A condition in the table is covered automatically if all the points below are met.",
     "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:",
     "citation": {
      "quote": "We automatically include the Existing Medical Conditions listed in the following table provided:",
      "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
      "page": 16,
      "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
      "confirmed": "2026-11-05"
     }
    },
    "criteria_for_every_condition": [
     {
      "line": "Every existing medical condition you have must be on the list.",
      "quote": "all Your Existing Medical Conditions are on this list",
      "citation": {
       "quote": "all Your Existing Medical Conditions are on this list",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
      "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
      "citation": {
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not under investigation for any listed condition.",
      "quote": "You are not under investigation for any of the listed conditions",
      "citation": {
       "quote": "You are not under investigation for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.",
      "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
      "citation": {
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Each condition meets its own criteria in the table.",
      "quote": "Your condition satisfies the criteria in the following table",
      "citation": {
       "quote": "Your condition satisfies the criteria in the following table",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "count": 37,
    "conditions": [
     {
      "name": "Acne",
      "citation": {
       "quote": "Acne",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
      "citation": {
       "quote": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Allergy",
      "citation": {
       "quote": "Allergy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "citation": {
         "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no known respiratory conditions (e.g. Asthma)",
        "citation": {
         "quote": "You have no known respiratory conditions (e.g. Asthma)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Anxiety",
      "citation": {
       "quote": "Anxiety",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been diagnosed with Depression in the last 3 years",
        "citation": {
         "quote": "You have not been diagnosed with Depression in the last 3 years",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Asthma",
      "citation": {
       "quote": "Asthma",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You are less than 60 years of age when You purchase the policy",
        "citation": {
         "quote": "You are less than 60 years of age when You purchase the policy",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "citation": {
         "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have been a non-smoker for at least the last 18 months",
        "citation": {
         "quote": "You have been a non-smoker for at least the last 18 months",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t need prescribed oxygen outside of a hospital",
        "citation": {
         "quote": "You don’t need prescribed oxygen outside of a hospital",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
        "citation": {
         "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bell’s Palsy",
      "citation": {
       "quote": "Bell’s Palsy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Bunions",
      "citation": {
       "quote": "Bunions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Carpal Tunnel Syndrome",
      "citation": {
       "quote": "Carpal Tunnel Syndrome",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Cataracts",
      "citation": {
       "quote": "Cataracts",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Glaucoma",
      "citation": {
       "quote": "Glaucoma",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Coeliac Disease",
      "citation": {
       "quote": "Coeliac Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Blindness",
      "citation": {
       "quote": "Congenital Blindness",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Deafness",
      "citation": {
       "quote": "Congenital Deafness",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Depression",
      "citation": {
       "quote": "Depression",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
       "page": 16,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been hospitalised for this condition in the last 2 years",
        "citation": {
         "quote": "You have not been hospitalised for this condition in the last 2 years",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=16",
         "page": 16,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Ear Grommets",
      "citation": {
       "quote": "Ear Grommets",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an ear infection",
        "citation": {
         "quote": "You don’t have an ear infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Epilepsy",
      "citation": {
       "quote": "Epilepsy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
        "citation": {
         "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gastric Reflux",
      "citation": {
       "quote": "Gastric Reflux",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
        "citation": {
         "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Goitre",
      "citation": {
       "quote": "Goitre",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Graves’ Disease",
      "citation": {
       "quote": "Graves’ Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Gout",
      "citation": {
       "quote": "Gout",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Hiatus Hernia",
      "citation": {
       "quote": "Hiatus Hernia",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Hip Replacement",
      "citation": {
       "quote": "Hip Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Knee Replacement",
      "citation": {
       "quote": "Knee Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Shoulder Replacement",
      "citation": {
       "quote": "Shoulder Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hip Resurfacing",
      "citation": {
       "quote": "Hip Resurfacing",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypercholesterolaemia (High Cholesterol)",
      "citation": {
       "quote": "Hypercholesterolaemia (High Cholesterol)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypertension (High Blood Pressure)",
      "citation": {
       "quote": "Hypertension (High Blood Pressure)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have Diabetes (Type I or Type II)",
        "citation": {
         "quote": "You don’t have Diabetes (Type I or Type II)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Hypertension is stable and managed by Your medical practitioner",
        "citation": {
         "quote": "Your Hypertension is stable and managed by Your medical practitioner",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t suffering symptoms of Hypertension",
        "citation": {
         "quote": "You aren’t suffering symptoms of Hypertension",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t having investigations related to blood pressure",
        "citation": {
         "quote": "You aren’t having investigations related to blood pressure",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Migraine",
      "citation": {
       "quote": "Migraine",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Peptic Ulcer",
      "citation": {
       "quote": "Peptic Ulcer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gastric Ulcer",
      "citation": {
       "quote": "Gastric Ulcer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
         "page": 17,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Plantar Fasciitis",
      "citation": {
       "quote": "Plantar Fasciitis",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Raynaud’s Disease",
      "citation": {
       "quote": "Raynaud’s Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=17",
       "page": 17,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Skin Cancer",
      "citation": {
       "quote": "Skin Cancer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
       "page": 18,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Skin Cancer isn’t a Melanoma",
        "citation": {
         "quote": "Your Skin Cancer isn’t a Melanoma",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
         "page": 18,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
        "citation": {
         "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
         "page": 18,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
        "citation": {
         "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
         "page": 18,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Stenosing Tenosynovitis",
      "citation": {
       "quote": "Stenosing Tenosynovitis",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
       "page": 18,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Urinary Incontinence",
      "citation": {
       "quote": "Urinary Incontinence",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
       "page": 18,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Underactive Thyroid",
      "citation": {
       "quote": "Underactive Thyroid",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
       "page": 18,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
         "page": 18,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Overactive Thyroid",
      "citation": {
       "quote": "Overactive Thyroid",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
       "page": 18,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
         "page": 18,
         "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
         "confirmed": "2026-11-05"
        }
       }
      ]
     }
    ],
    "notes": [
     {
      "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.",
      "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
      "citation": {
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
       "page": 18,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "otherwise": [
     {
      "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.",
      "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
      "citation": {
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=18",
       "page": 18,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.",
      "quote": "If such cover is applied for and approved, an additional premium may apply.",
      "citation": {
       "quote": "If such cover is applied for and approved, an additional premium may apply.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf#page=15",
       "page": 15,
       "document_sha256": "f5c301e1910f600c5e9e31fa5c64e26ad50ae6e553b6e32c2369f58df6586b28",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "applies_to_plans": null
   },
   "pre_existing_conditions": [
    {
     "plan_slug": "comprehensive",
     "plan": "Comprehensive",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf",
      "count": 37,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic Ulcer",
       "Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "essential",
     "plan": "Essential",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf",
      "count": 37,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
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       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic Ulcer",
       "Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "basic",
     "plan": "Basic",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "18d5bb5dc6f46bedf093c17aa3af8702f8a4e3054cebf392413ddfb137501c31",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://policy.travelinsurancepartners.com.au/partners/budgetdirect/files/documents/pds/PDS_BDB_BDC.pdf",
      "count": 37,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
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       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic Ulcer",
       "Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    }
   ]
  },
  {
   "brand_slug": "cover-more",
   "brand": "Cover-More",
   "site": "https://www.covermore.com.au/",
   "product": "International Comprehensive (single trip and annual multi-trip)",
   "documents": {
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     "kind": "pds",
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     "label": "Cover-More Australia Product Disclosure Statement, 15 October 2025",
     "status": "ok",
     "http_status": 200,
     "words": 37950,
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     "kind": "tmd",
     "url": "https://www.covermore.com.au/sites/cmau/files/2024-07/CM%20AU_TMD_7%20August%202024.pdf",
     "label": "Cover-More Travel Insurance Target Market Determination, 7 August 2024",
     "status": "ok",
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    }
   },
   "facts": {
    "issuer": {
     "name": "Zurich Australian Insurance Limited",
     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
     "evidence": {
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
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      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=2",
      "page": 2,
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    },
    "distributor": {
     "name": "Cover-More Insurance Services Pty Ltd",
     "abn": "95003114145",
     "afsl": "241713",
     "basis": "agent_of_insurer",
     "quote": "145, AFSL 241713 (Cover-More) acts on behalf of the insurer to enter into, vary and cancel the policy and may also be appointed from time to time to assist in the management, administration or settlement of claims and deal with complaints on behalf of the insurer in specific circumstances",
     "evidence": {
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "http_status": 200,
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     },
     "citation": {
      "quote": "145, AFSL 241713 (Cover-More) acts on behalf of the insurer to enter into, vary and cancel the policy and may also be appointed from time to time to assist in the management, administration or settlement of claims and deal with complaints on behalf of the insurer in specific circumstances",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=22",
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    },
    "cooling_off": {
     "days": 21,
     "quote": "the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
     "evidence": {
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "http_status": 200,
      "document": "pds",
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      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=11",
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     }
    },
    "pds_effective_date": {
     "effective_date": "2025-09-18",
     "quote": "Date prepared: 18 September 2025 Copyright © 2025 Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 Contact us Cover-More Travel Insurance Private Bag 913, North Sydney NSW 2059 1300 72 88 22 enquiries@covermore.com.au covermore.com.au P01_Cover-More…",
     "evidence": {
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      "http_status": 200,
      "document": "pds",
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      "rule": "effective_date.declared",
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     },
     "citation": {
      "quote": "Date prepared: 18 September 2025 Copyright © 2025 Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 Contact us Cover-More Travel Insurance Private Bag 913, North Sydney NSW 2059 1300 72 88 22 enquiries@covermore.com.au covermore.com.au P01_Cover-More",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=56",
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     }
    },
    "tmd_effective_date": {
     "effective_date": "2024-08-07",
     "quote": "effective date on or after 07 August 2024",
     "evidence": {
      "url": "https://www.covermore.com.au/sites/cmau/files/2024-07/CM%20AU_TMD_7%20August%202024.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "71a4bd107094b36daf6f20a908ceb61ebe1ec653cf11c0b1a84605006e2903bf",
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      "rule": "effective_date.declared",
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     },
     "citation": {
      "quote": "effective date on or after 07 August 2024",
      "url": "https://www.covermore.com.au/sites/cmau/files/2024-07/CM%20AU_TMD_7%20August%202024.pdf#page=1",
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    },
    "review_period": {
     "review_months": 24,
     "quote": "We will review this TMD within 2 years from the date of preparation to ensure it remains appropriate and every 2 years since the last review",
     "evidence": {
      "url": "https://www.covermore.com.au/sites/cmau/files/2024-07/CM%20AU_TMD_7%20August%202024.pdf",
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      "document": "tmd",
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      "rule": "review_period.declared",
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     },
     "citation": {
      "quote": "We will review this TMD within 2 years from the date of preparation to ensure it remains appropriate and every 2 years since the last review",
      "url": "https://www.covermore.com.au/sites/cmau/files/2024-07/CM%20AU_TMD_7%20August%202024.pdf#page=6",
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    },
    "target_market": {
     "quote": "The product is designed for travellers who want the flexibility to choose options to vary their cover",
     "evidence": {
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      "document": "tmd",
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     },
     "citation": {
      "quote": "The product is designed for travellers who want the flexibility to choose options to vary their cover",
      "url": "https://www.covermore.com.au/sites/cmau/files/2024-07/CM%20AU_TMD_7%20August%202024.pdf#page=1",
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    }
   },
   "checks": {
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    },
    "distributor": {
     "outcome": "stated",
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    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=2",
      "page": 2,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05"
     }
    ]
   },
   "automatically_covered_conditions": {
    "read_by_hand": true,
    "written_on": "2026-11-06",
    "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
    "term_used": "existing medical condition",
    "section": {
     "quote": "Existing Medical Conditions We automatically include",
     "citation": {
      "quote": "Existing Medical Conditions We automatically include",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
      "page": 18,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05"
     }
    },
    "who": [
     {
      "line": "The Inbound plan is for non-Australian residents visiting Australia.",
      "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
      "citation": {
       "quote": "The Inbound plan is for non-Australian residents travelling to and within Australia.",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=10",
       "page": 10,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "On the Inbound plan the automatic list is the only cover for existing medical conditions; there is no assessment route.",
      "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
      "citation": {
       "quote": "There is no cover for any Existing Medical Conditions other than those conditions We automatically include.",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=10",
       "page": 10,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "lead": {
     "line": "Conditions in the table are covered automatically if the criteria below are met.",
     "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
     "citation": {
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
      "page": 18,
      "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
      "confirmed": "2026-11-05"
     }
    },
    "criteria_for_every_condition": [
     {
      "line": "Every existing medical condition the traveller has must be on the list.",
      "quote": "all Your Existing Medical Conditions are on this list",
      "citation": {
       "quote": "all Your Existing Medical Conditions are on this list",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
      "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
      "citation": {
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not under investigation for any listed condition.",
      "quote": "You are not under investigation for any of the listed conditions",
      "citation": {
       "quote": "You are not under investigation for any of the listed conditions",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
      "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
      "citation": {
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "The condition meets its own criteria in the table.",
      "quote": "Your condition satisfies the criteria in the table following",
      "citation": {
       "quote": "Your condition satisfies the criteria in the table following",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Time frames run back from the Relevant Time unless stated otherwise.",
      "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
      "citation": {
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "count": 36,
    "conditions": [
     {
      "name": "Acne",
      "citation": {
       "quote": "Acne",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
      "citation": {
       "quote": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Allergy",
      "citation": {
       "quote": "Allergy",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "citation": {
         "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no known respiratory conditions (e.g. Asthma)",
        "citation": {
         "quote": "You have no known respiratory conditions (e.g. Asthma)",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Anxiety",
      "citation": {
       "quote": "Anxiety",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been diagnosed with Depression in the last 3 years",
        "citation": {
         "quote": "You have not been diagnosed with Depression in the last 3 years",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Asthma",
      "citation": {
       "quote": "Asthma",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You are less than 60 years of age when You purchase the policy",
        "citation": {
         "quote": "You are less than 60 years of age when You purchase the policy",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "citation": {
         "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have been a non-smoker for at least the last 18 months",
        "citation": {
         "quote": "You have been a non-smoker for at least the last 18 months",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t need prescribed oxygen outside of a hospital",
        "citation": {
         "quote": "You don’t need prescribed oxygen outside of a hospital",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
        "citation": {
         "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bell’s Palsy",
      "citation": {
       "quote": "Bell’s Palsy",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bunions",
      "citation": {
       "quote": "Bunions",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Carpal Tunnel Syndrome",
      "citation": {
       "quote": "Carpal Tunnel Syndrome",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Cataracts",
      "citation": {
       "quote": "Cataracts",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Glaucoma",
      "citation": {
       "quote": "Glaucoma",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Coeliac Disease",
      "citation": {
       "quote": "Coeliac Disease",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Congenital Blindness",
      "citation": {
       "quote": "Congenital Blindness",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Congenital Deafness",
      "citation": {
       "quote": "Congenital Deafness",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Depression",
      "citation": {
       "quote": "Depression",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been hospitalised for this condition in the last 2 years",
        "citation": {
         "quote": "You have not been hospitalised for this condition in the last 2 years",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Ear Grommets",
      "citation": {
       "quote": "Ear Grommets",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an ear infection",
        "citation": {
         "quote": "You don’t have an ear infection",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Epilepsy",
      "citation": {
       "quote": "Epilepsy",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
        "citation": {
         "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gastric Reflux",
      "citation": {
       "quote": "Gastric Reflux",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)",
        "citation": {
         "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/ Gastric Ulcer)",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Goitre",
      "citation": {
       "quote": "Goitre",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Graves’ Disease",
      "citation": {
       "quote": "Graves’ Disease",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gout",
      "citation": {
       "quote": "Gout",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hiatus Hernia",
      "citation": {
       "quote": "Hiatus Hernia",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hip Replacement",
      "citation": {
       "quote": "Hip Replacement",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any postoperative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any postoperative complications related to that surgery",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Knee Replacement",
      "citation": {
       "quote": "Knee Replacement",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any postoperative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any postoperative complications related to that surgery",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Shoulder Replacement",
      "citation": {
       "quote": "Shoulder Replacement",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any postoperative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any postoperative complications related to that surgery",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hip Resurfacing",
      "citation": {
       "quote": "Hip Resurfacing",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any postoperative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any postoperative complications related to that surgery",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypercholesterolaemia (High Cholesterol)",
      "citation": {
       "quote": "Hypercholesterolaemia (High Cholesterol)",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypertension (High Blood Pressure)",
      "citation": {
       "quote": "Hypertension (High Blood Pressure)",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have Diabetes (Type I or Type II)",
        "citation": {
         "quote": "You don’t have Diabetes (Type I or Type II)",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Hypertension is stable and managed by Your medical practitioner",
        "citation": {
         "quote": "Your Hypertension is stable and managed by Your medical practitioner",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t suffering symptoms of Hypertension",
        "citation": {
         "quote": "You aren’t suffering symptoms of Hypertension",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t having investigations related to blood pressure",
        "citation": {
         "quote": "You aren’t having investigations related to blood pressure",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Migraine",
      "citation": {
       "quote": "Migraine",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Peptic/ Gastric Ulcer",
      "citation": {
       "quote": "Peptic/ Gastric Ulcer",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/ Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/ Gastric Ulcer has been stable",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Plantar Fasciitis",
      "citation": {
       "quote": "Plantar Fasciitis",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Raynaud’s Disease",
      "citation": {
       "quote": "Raynaud’s Disease",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Skin Cancer",
      "citation": {
       "quote": "Skin Cancer",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Skin Cancer isn’t a Melanoma",
        "citation": {
         "quote": "Your Skin Cancer isn’t a Melanoma",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
        "citation": {
         "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
        "citation": {
         "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Stenosing Tenosynovitis (Trigger Finger)",
      "citation": {
       "quote": "Stenosing Tenosynovitis (Trigger Finger)",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Urinary Incontinence",
      "citation": {
       "quote": "Urinary Incontinence",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Underactive Thyroid",
      "citation": {
       "quote": "Underactive Thyroid",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Overactive Thyroid",
      "citation": {
       "quote": "Overactive Thyroid",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
       "page": 18,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/ Overactive Thyroid wasn’t a tumour",
         "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=18",
         "page": 18,
         "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
         "confirmed": "2026-11-05"
        }
       }
      ]
     }
    ],
    "notes": [
     {
      "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
      "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
      "citation": {
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=19",
       "page": 19,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "otherwise": [
     {
      "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
      "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
      "citation": {
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=19",
       "page": 19,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
      "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
      "citation": {
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf#page=17",
       "page": 17,
       "document_sha256": "6a76ab3cd692d154389f9f5f6938cec3e7aa62ecd9add172747afc22c658da83",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "applies_to_plans": null
   },
   "pre_existing_conditions": [
    {
     "plan_slug": "international-basic",
     "plan": "International Basic",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic/ Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "international-comprehensive",
     "plan": "International Comprehensive",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic/ Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "international-comprehensive-plus",
     "plan": "International Comprehensive+",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic/ Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "domestic-basic",
     "plan": "Domestic Basic",
     "product": "Domestic",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic/ Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "domestic-comprehensive",
     "plan": "Domestic Comprehensive",
     "product": "Domestic",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic/ Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "domestic-comprehensive-plus",
     "plan": "Domestic Comprehensive+",
     "product": "Domestic",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic/ Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "inbound",
     "plan": "Inbound",
     "product": "Inbound",
     "treatment": "some_named_automatically",
     "in_words": "some named conditions automatically",
     "labels": [
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered, other than the listed conditions covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "2957625d11b883093719117389eb896d1da8ba337f762e21f55373be6fbf9ae9",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.covermore.com.au/sites/cmau/files/2026-05/Cover_More_Australia_Product_Disclosure_Statement_15_October_2025.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic/ Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    }
   ]
  },
  {
   "brand_slug": "fast-cover",
   "brand": "Fast Cover",
   "site": "https://www.fastcover.com.au/",
   "product": "Comprehensive",
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    "pds": {
     "kind": "pds",
     "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf",
     "label": "Fast Cover PDS, 22 March 2025",
     "status": "ok",
     "http_status": 200,
     "words": 39019,
     "content_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
     "bytes_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
     "retrieved_at": "2026-11-04T23:17:23Z"
    },
    "tmd": {
     "kind": "tmd",
     "url": null,
     "label": null,
     "status": "no document URL in the registry",
     "note": "A TMD page is linked from the home page but lists no document; not yet resolved to a URL."
    }
   },
   "facts": {
    "issuer": {
     "name": "Certain Underwriters at Lloyd's",
     "abn": null,
     "afsl": null,
     "footing": "lloyds",
     "quote": "Fast Cover Travel Insurance is promoted by Fast Cover and insured by Certain Underwriters at Lloyd’s",
     "evidence": {
      "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
      "first_seen_at": "2026-10-05T14:51:08Z",
      "rule": "issuer.lloyds",
      "stale": false
     },
     "citation": {
      "quote": "Fast Cover Travel Insurance is promoted by Fast Cover and insured by Certain Underwriters at Lloyd’s",
      "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=107",
      "page": 107,
      "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
      "confirmed": "2026-11-05"
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    },
    "cooling_off": {
     "days": 25,
     "quote": "You have started the Trip, even within the 25 day cooling off period, or You have exercised any of Your rights or powers under the Policy such as using Your travel insurance Policy to obtain a visa or entry into a country",
     "evidence": {
      "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
      "first_seen_at": "2026-10-05T14:51:08Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "You have started the Trip, even within the 25 day cooling off period, or You have exercised any of Your rights or powers under the Policy such as using Your travel insurance Policy to obtain a visa or entry into a country",
      "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=9",
      "page": 9,
      "document_sha256": "ab7c7afca535cd6ce8b713a4a70533e2cd8b89f71d4072a23fdf7bd465a92b94",
      "confirmed": "2026-11-05"
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    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no distributor",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no pds effective date",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "review_period": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "target_market": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "Fast Cover Travel Insurance is promoted by Fast Cover and insured by Certain Underwriters at Lloyd’s",
      "url": "https://media.fastcover.com.au/Content/Documents/Fast%20Cover%20PDS%20-%2022%20March%202025.pdf#page=107",
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   },
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     "plan_slug": "comprehensive",
     "plan": "Comprehensive",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Medical conditions you have had in the 3 years before buying are not covered unless the insurer agrees after a medical screening and lists them on your certificate, for an extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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    },
    {
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     "plan": "Standard Saver",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Medical conditions you have had in the 3 years before buying are not covered unless the insurer agrees after a medical screening and lists them on your certificate, for an extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
     "automatically_covered": null
    },
    {
     "plan_slug": "basics",
     "plan": "Basics",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Medical conditions you have had in the 3 years before buying are not covered unless the insurer agrees after a medical screening and lists them on your certificate, for an extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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    },
    {
     "plan_slug": "snow-sports-plus",
     "plan": "Snow Sports Plus",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Medical conditions you have had in the 3 years before buying are not covered unless the insurer agrees after a medical screening and lists them on your certificate, for an extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
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    },
    {
     "plan_slug": "domestic-plus",
     "plan": "Domestic Plus",
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     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Medical conditions you have had in the 3 years before buying are not covered unless the insurer agrees after a medical screening and lists them on your certificate, for an extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
     "automatically_covered": null
    },
    {
     "plan_slug": "frequent-traveller-saver",
     "plan": "Frequent Traveller Saver",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Medical conditions you have had in the 3 years before buying are not covered unless the insurer agrees after a medical screening and lists them on your certificate, for an extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cb0e143fc38ea664f52a6afa1b87c20fbc505739d0a8f4213fe9f12c813b6b67",
     "automatically_covered": null
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  },
  {
   "brand_slug": "insureandgo",
   "brand": "Insure&Go",
   "site": "https://www.insureandgo.com.au/",
   "product": "Single Trip",
   "documents": {
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     "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf",
     "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026",
     "status": "ok",
     "http_status": 200,
     "words": 26558,
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   },
   "facts": {
    "issuer": {
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     "abn": "49000525637",
     "afsl": "240816",
     "footing": "company",
     "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637 AFSL Number 240816 Level 26, 135 King St, Sydney, NSW 2000, Australia Please refer to the FSG section of this document for information on the services provided and the remuneration received, or to be received, by Europ Assistance as the distributor and…",
     "evidence": {
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
      "first_seen_at": "2026-10-05T14:51:06Z",
      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637 AFSL Number 240816 Level 26, 135 King St, Sydney, NSW 2000, Australia Please refer to the FSG section of this document for information on the services provided and the remuneration received, or to be received, by Europ Assistance as the distributor and",
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=18",
      "page": 18,
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    },
    "distributor": {
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     "abn": "71140219594",
     "afsl": "552106",
     "basis": "binding_authority",
     "quote": "Europ Assistance holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent",
     "evidence": {
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
      "first_seen_at": "2026-10-05T14:51:06Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "Europ Assistance holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent",
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=18",
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    },
    "cooling_off": {
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     "quote": "to us within 21 days of purchasing it, provided that you have not made a claim or exercised any other rights under the policy and your trip has not commenced",
     "evidence": {
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
      "first_seen_at": "2026-10-05T14:51:06Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "to us within 21 days of purchasing it, provided that you have not made a claim or exercised any other rights under the policy and your trip has not commenced",
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=22",
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      "confirmed": "2026-11-05"
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    },
    "tmd_effective_date": {
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     "quote": "This document was prepared on 29 July 2026",
     "evidence": {
      "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "1ccd834396d5bb6d34d128b7b78c4f91a62955792b360a33823016352a064cd0",
      "first_seen_at": "2026-10-05T14:51:07Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "This document was prepared on 29 July 2026",
      "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf#page=6",
      "page": 6,
      "document_sha256": "ee4d58deb7dcd4337ad46fbd44d078fb648ddd16a35222232d94ef3b2748f7f0",
      "confirmed": "2026-11-05"
     }
    },
    "target_market": {
     "quote": "This product is designed for travellers who are citizens or permanent residents of Australia or non-permanent residents who have a valid Medicare, Private Health Fund or Overseas Student Travel Insurance in Australia",
     "evidence": {
      "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "1ccd834396d5bb6d34d128b7b78c4f91a62955792b360a33823016352a064cd0",
      "first_seen_at": "2026-10-05T14:51:07Z",
      "rule": "target_market.declared",
      "stale": false
     },
     "citation": {
      "quote": "This product is designed for travellers who are citizens or permanent residents of Australia or non-permanent residents who have a valid Medicare, Private Health Fund or Overseas Student Travel Insurance in Australia",
      "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf#page=2",
      "page": 2,
      "document_sha256": "ee4d58deb7dcd4337ad46fbd44d078fb648ddd16a35222232d94ef3b2748f7f0",
      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no pds effective date",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no review period",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "disagree",
    "pds": {
     "name": "Mitsui Sumitomo Insurance Company Limited",
     "abn": "49000525637",
     "afsl": "240816"
    },
    "tmd": {
     "name": "Europ Assistance Australia Pty Ltd",
     "abn": "71140219594",
     "afsl": "552106"
    },
    "note": "the two documents name different insurers; published as a finding rather than resolved by preferring one document",
    "citations": [
     {
      "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637 AFSL Number 240816 Level 26, 135 King St, Sydney, NSW 2000, Australia Please refer to the FSG section of this document for information on the services provided and the remuneration received, or to be received, by Europ Assistance as the distributor and",
      "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=18",
      "page": 18,
      "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b",
      "confirmed": "2026-11-05"
     },
     {
      "quote": "Insure&Go Single Trip Travel Insurance is issued by Europ Assistance Australia Pty Ltd ABN 71 140 219 594, AFSL 552106 (referred to in this document as ‘we’, ‘us’ and ‘our’)",
      "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf#page=2",
      "page": 2,
      "document_sha256": "ee4d58deb7dcd4337ad46fbd44d078fb648ddd16a35222232d94ef3b2748f7f0",
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   },
   "pre_existing_conditions": [
    {
     "plan_slug": "bare-essentials",
     "plan": "Bare Essentials",
     "product": "International Single Trip",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
     "automatically_covered": null
    },
    {
     "plan_slug": "silver",
     "plan": "Silver",
     "product": "International Single Trip",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
     "automatically_covered": null
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    {
     "plan_slug": "gold",
     "plan": "Gold",
     "product": "International Single Trip",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
     "automatically_covered": null
    },
    {
     "plan_slug": "bare-essentials-2",
     "plan": "Bare Essentials",
     "product": "Domestic Single Trip",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
     "automatically_covered": null
    },
    {
     "plan_slug": "silver-2",
     "plan": "Silver",
     "product": "Domestic Single Trip",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
     "automatically_covered": null
    },
    {
     "plan_slug": "gold-2",
     "plan": "Gold",
     "product": "Domestic Single Trip",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5",
     "automatically_covered": null
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   ]
  },
  {
   "brand_slug": "medibank",
   "brand": "Medibank Travel Insurance",
   "site": "https://www.medibank.com.au/travel-insurance/",
   "product": "Comprehensive",
   "documents": {
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     "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
     "label": "Medibank Travel Insurance PDS",
     "status": "ok",
     "http_status": 200,
     "words": 27534,
     "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
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     "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf",
     "label": "Medibank Travel Insurance Target Market Determination",
     "status": "ok",
     "http_status": 200,
     "words": 2974,
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   },
   "facts": {
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     "name": "Zurich Australian Insurance Limited",
     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "The Insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
      "first_seen_at": "2026-10-05T14:51:00Z",
      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "The Insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=1",
      "page": 1,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
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    },
    "distributor": {
     "name": "Travel Insurance Partners Pty Limited",
     "abn": "73144049230",
     "afsl": "360138",
     "basis": "authorised_representative",
     "quote": "\u0007Travel Insurance Partners’ authorised representative Medibank Private Limited (Medibank) ABN 47 080 890 259 AR 286089",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
      "first_seen_at": "2026-10-05T14:51:00Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "\u0007Travel Insurance Partners’ authorised representative Medibank Private Limited (Medibank) ABN 47 080 890 259 AR 286089",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=47",
      "page": 47,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "cooling_off": {
     "days": 21,
     "quote": "cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
      "first_seen_at": "2026-10-05T14:51:00Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=8",
      "page": 8,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "overseas_medical": {
     "unlimited": true,
     "limit_aud": null,
     "quote": "Overseas medical expenses – $Unlimited Overseas Medical Expenses If during the Period of Insurance You suffer a Disabling Injury, Sickness or Disease We will pay the usual and customary cost of medical treatment and ambulance transportation provided outside Australia by or on the advice of a…",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
      "first_seen_at": "2026-10-05T14:51:00Z",
      "rule": "overseas_medical.declared",
      "stale": false
     },
     "citation": {
      "quote": "Overseas medical expenses – $Unlimited Overseas Medical Expenses If during the Period of Insurance You suffer a Disabling Injury, Sickness or Disease We will pay the usual and customary cost of medical treatment and ambulance transportation provided outside Australia by or on the advice of a",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=26",
      "page": 26,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "pds_effective_date": {
     "effective_date": "2026-03-03",
     "quote": "Date prepared: 03 March 2026 PDS issue: 17 Medibank Private Limited ABN 47 080 890 259 MPL 41970426",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
      "first_seen_at": "2026-10-05T14:51:00Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "Date prepared: 03 March 2026 PDS issue: 17 Medibank Private Limited ABN 47 080 890 259 MPL 41970426",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=49",
      "page": 49,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "tmd_effective_date": {
     "effective_date": "2026-04-22",
     "quote": "effective date on or after 22 April 2026",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "ac6b33640653824b3c988d6f5365fb0801203148f4616d8974f863316c90b17f",
      "first_seen_at": "2026-10-05T14:51:01Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "effective date on or after 22 April 2026",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf#page=1",
      "page": 1,
      "document_sha256": "a8a96499a07ee735685ced212c8614291e2bcdd8e942a75ff03320ce22d458f1",
      "confirmed": "2026-11-05"
     }
    },
    "review_period": {
     "review_months": 24,
     "quote": "We will review this TMD within 2 years from the effective date to ensure it remains appropriate and every 2 years since the last review",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "ac6b33640653824b3c988d6f5365fb0801203148f4616d8974f863316c90b17f",
      "first_seen_at": "2026-10-05T14:51:01Z",
      "rule": "review_period.declared",
      "stale": false
     },
     "citation": {
      "quote": "We will review this TMD within 2 years from the effective date to ensure it remains appropriate and every 2 years since the last review",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf#page=6",
      "page": 6,
      "document_sha256": "a8a96499a07ee735685ced212c8614291e2bcdd8e942a75ff03320ce22d458f1",
      "confirmed": "2026-11-05"
     }
    },
    "target_market": {
     "quote": "The product is designed for travellers who want the flexibility to choose options to vary their cover",
     "evidence": {
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "ac6b33640653824b3c988d6f5365fb0801203148f4616d8974f863316c90b17f",
      "first_seen_at": "2026-10-05T14:51:01Z",
      "rule": "target_market.declared",
      "stale": false
     },
     "citation": {
      "quote": "The product is designed for travellers who want the flexibility to choose options to vary their cover",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/TMD/TMD_MBC_MBM.pdf#page=1",
      "page": 1,
      "document_sha256": "a8a96499a07ee735685ced212c8614291e2bcdd8e942a75ff03320ce22d458f1",
      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "stated",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "The Insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFS Licence Number 232507",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=1",
      "page": 1,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    ]
   },
   "automatically_covered_conditions": {
    "read_by_hand": true,
    "written_on": "2026-11-06",
    "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
    "term_used": "existing medical condition",
    "section": {
     "quote": "Existing Medical Conditions We automatically include",
     "citation": {
      "quote": "Existing Medical Conditions We automatically include",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
      "page": 11,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "who": [],
    "lead": {
     "line": "A condition in the table is covered automatically if all the points below are met.",
     "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:",
     "citation": {
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided:",
      "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
      "page": 11,
      "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
      "confirmed": "2026-11-05"
     }
    },
    "criteria_for_every_condition": [
     {
      "line": "Every existing medical condition you have must be on the list.",
      "quote": "all Your Existing Medical Conditions are on this list",
      "citation": {
       "quote": "all Your Existing Medical Conditions are on this list",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
      "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
      "citation": {
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not under investigation for any listed condition.",
      "quote": "You are not under investigation for any of the listed conditions",
      "citation": {
       "quote": "You are not under investigation for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not awaiting investigation, surgery, treatment or procedures for any listed condition.",
      "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
      "citation": {
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Each condition meets its own criteria in the table.",
      "quote": "Your condition satisfies the criteria in the table following",
      "citation": {
       "quote": "Your condition satisfies the criteria in the table following",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "count": 40,
    "conditions": [
     {
      "name": "Acne",
      "citation": {
       "quote": "Acne",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "ADHD (Attention Deficit Hyperactivity Disorder)",
      "citation": {
       "quote": "ADHD (Attention Deficit Hyperactivity Disorder)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Allergy",
      "citation": {
       "quote": "Allergy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "citation": {
         "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no known respiratory conditions (e.g. Asthma)",
        "citation": {
         "quote": "You have no known respiratory conditions (e.g. Asthma)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Anxiety",
      "citation": {
       "quote": "Anxiety",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not been diagnosed with depression in the last three years",
        "citation": {
         "quote": "You have not been diagnosed with depression in the last three years",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Asthma",
      "citation": {
       "quote": "Asthma",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "citation": {
         "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have been a non-smoker for at least the last 18 months",
        "citation": {
         "quote": "You have been a non-smoker for at least the last 18 months",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t need prescribed oxygen outside of a hospital",
        "citation": {
         "quote": "You don’t need prescribed oxygen outside of a hospital",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
        "citation": {
         "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bell’s Palsy",
      "citation": {
       "quote": "Bell’s Palsy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Bunions",
      "citation": {
       "quote": "Bunions",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Carpal Tunnel Syndrome",
      "citation": {
       "quote": "Carpal Tunnel Syndrome",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Cataracts",
      "citation": {
       "quote": "Cataracts",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Glaucoma",
      "citation": {
       "quote": "Glaucoma",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Coeliac Disease",
      "citation": {
       "quote": "Coeliac Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Blindness",
      "citation": {
       "quote": "Congenital Blindness",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Deafness",
      "citation": {
       "quote": "Congenital Deafness",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Depression",
      "citation": {
       "quote": "Depression",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
       "page": 11,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been hospitalised for this condition in the last two years",
        "citation": {
         "quote": "You have not been hospitalised for this condition in the last two years",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=11",
         "page": 11,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Ear Grommets",
      "citation": {
       "quote": "Ear Grommets",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an ear infection",
        "citation": {
         "quote": "You don’t have an ear infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Epilepsy",
      "citation": {
       "quote": "Epilepsy",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
        "citation": {
         "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gastric Reflux",
      "citation": {
       "quote": "Gastric Reflux",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
        "citation": {
         "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Goitre",
      "citation": {
       "quote": "Goitre",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Graves’ Disease",
      "citation": {
       "quote": "Graves’ Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Gout",
      "citation": {
       "quote": "Gout",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Hiatus Hernia",
      "citation": {
       "quote": "Hiatus Hernia",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Hip Replacement",
      "citation": {
       "quote": "Hip Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Knee Replacement",
      "citation": {
       "quote": "Knee Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Shoulder Replacement",
      "citation": {
       "quote": "Shoulder Replacement",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hip Resurfacing",
      "citation": {
       "quote": "Hip Resurfacing",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypercholesterolaemia (High Cholesterol)",
      "citation": {
       "quote": "Hypercholesterolaemia (High Cholesterol)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypertension (High Blood Pressure)",
      "citation": {
       "quote": "Hypertension (High Blood Pressure)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have Diabetes (Type I or Type II)",
        "citation": {
         "quote": "You don’t have Diabetes (Type I or Type II)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Hypertension is stable and managed by Your medical practitioner",
        "citation": {
         "quote": "Your Hypertension is stable and managed by Your medical practitioner",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t suffering symptoms of Hypertension",
        "citation": {
         "quote": "You aren’t suffering symptoms of Hypertension",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t having investigations related to blood pressure",
        "citation": {
         "quote": "You aren’t having investigations related to blood pressure",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Juvenile Idiopathic Arthritis",
      "citation": {
       "quote": "Juvenile Idiopathic Arthritis",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You are less than 18 years of age when the policy is purchased",
        "citation": {
         "quote": "You are less than 18 years of age when the policy is purchased",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no complications of this condition requiring a specialist‘s opinion",
        "citation": {
         "quote": "You have no complications of this condition requiring a specialist‘s opinion",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Migraine",
      "citation": {
       "quote": "Migraine",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Peptic Ulcer",
      "citation": {
       "quote": "Peptic Ulcer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gastric Ulcer",
      "citation": {
       "quote": "Gastric Ulcer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Osteoarthritis",
      "citation": {
       "quote": "Osteoarthritis",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You are less than 80 years of age when You purchase the policy",
        "citation": {
         "quote": "You are less than 80 years of age when You purchase the policy",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type",
        "citation": {
         "quote": "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no complications of this condition requiring a specialist‘s opinion",
        "citation": {
         "quote": "You have no complications of this condition requiring a specialist‘s opinion",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months You have not had or been assessed for, or advised on, spinal surgery associated with this condition",
        "citation": {
         "quote": "In the last 12 months You have not had or been assessed for, or advised on, spinal surgery associated with this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)",
        "citation": {
         "quote": "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Plantar Fasciitis",
      "citation": {
       "quote": "Plantar Fasciitis",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Raynaud’s Disease",
      "citation": {
       "quote": "Raynaud’s Disease",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
       "page": 12,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Rheumatoid Arthritis",
      "citation": {
       "quote": "Rheumatoid Arthritis",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type",
        "citation": {
         "quote": "In the last 6 months, Your prescribed medication hasn’t changed in dosage or type",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no complications of this condition outside of the joints",
        "citation": {
         "quote": "You have no complications of this condition outside of the joints",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
         "page": 13,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)",
        "citation": {
         "quote": "You don’t require the daily use of a mobility aid (for example a standard, hemi or rolling walker, a rollator, a quad or single point cane or a wheelchair)",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=12",
         "page": 12,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your condition is not Ankylosing Spondylitis, Non-radiographic Axial Spondyloarthritis, Psoriatic Arthritis, Fibromyalgia, Giant Cell Arteritis, Haemochromatosis or Haemochromatotic Arthritis, Lupus (Systemic Lupus Erythematosus), Polymyalgia Rheumatica, Reactive Arthritis, Scleroderma, Sjögren’s Syndrome or Spondyloarthritis",
        "citation": {
         "quote": "Your condition is not Ankylosing Spondylitis, Non-radiographic Axial Spondyloarthritis, Psoriatic Arthritis, Fibromyalgia, Giant Cell Arteritis, Haemochromatosis or Haemochromatotic Arthritis, Lupus (Systemic Lupus Erythematosus), Polymyalgia Rheumatica, Reactive Arthritis, Scleroderma, Sjögren’s Syndrome or Spondyloarthritis",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
         "page": 13,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Skin Cancer",
      "citation": {
       "quote": "Skin Cancer",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Skin Cancer isn’t a Melanoma",
        "citation": {
         "quote": "Your Skin Cancer isn’t a Melanoma",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
         "page": 13,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
        "citation": {
         "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
         "page": 13,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
        "citation": {
         "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
         "page": 13,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Stenosing Tenosynovitis (Trigger Finger)",
      "citation": {
       "quote": "Stenosing Tenosynovitis (Trigger Finger)",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Urinary Incontinence",
      "citation": {
       "quote": "Urinary Incontinence",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Underactive Thyroid",
      "citation": {
       "quote": "Underactive Thyroid",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
         "page": 13,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Overactive Thyroid",
      "citation": {
       "quote": "Overactive Thyroid",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
         "page": 13,
         "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
         "confirmed": "2026-11-05"
        }
       }
      ]
     }
    ],
    "notes": [
     {
      "line": "The automatic cover only applies if you have no existing medical condition beyond those on the list.",
      "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
      "citation": {
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "otherwise": [
     {
      "line": "A condition not on the list, or one that does not meet its criteria, needs an online health assessment declaring all your existing medical conditions.",
      "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
      "citation": {
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=13",
       "page": 13,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Other existing conditions are excluded unless cover is applied for and approved, which may cost an extra premium.",
      "quote": "If additional cover is applied for and approved, an additional premium may apply.",
      "citation": {
       "quote": "If additional cover is applied for and approved, an additional premium may apply.",
       "url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf#page=10",
       "page": 10,
       "document_sha256": "a26e8e9670e6acce7317eb62c5623df27ba9a94374c8145341dffbe97bfa819b",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "applies_to_plans": null
   },
   "pre_existing_conditions": [
    {
     "plan_slug": "international-comprehensive-plan",
     "plan": "International Comprehensive Plan",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
      "count": 40,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Juvenile Idiopathic Arthritis",
       "Migraine",
       "Peptic Ulcer",
       "Gastric Ulcer",
       "Osteoarthritis",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Rheumatoid Arthritis",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "international-medical-only-plan",
     "plan": "International Medical Only Plan",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cbf470c1ef405fe6b966d50447369b57b0a55a29a82bbef8c83f4523ac6ab555",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://policy.travelinsurancepartners.com.au/partners/medibank/files/documents/pds/PDS_MBC.pdf",
      "count": 40,
      "names": [
       "Acne",
       "ADHD (Attention Deficit Hyperactivity Disorder)",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Juvenile Idiopathic Arthritis",
       "Migraine",
       "Peptic Ulcer",
       "Gastric Ulcer",
       "Osteoarthritis",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Rheumatoid Arthritis",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    }
   ]
  },
  {
   "brand_slug": "racv",
   "brand": "RACV Travel Insurance",
   "site": "https://www.racv.com.au/insurance/travel-insurance.html",
   "product": "Travel Insurance (combined FSG and PDS)",
   "documents": {
    "pds": {
     "kind": "pds",
     "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
     "label": "RACV Travel Insurance Combined Financial Services Guide and PDS (current)",
     "status": "ok",
     "http_status": 200,
     "words": 26402,
     "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
     "bytes_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
     "retrieved_at": "2026-11-04T23:17:30Z"
    },
    "tmd": {
     "kind": "tmd",
     "url": null,
     "label": null,
     "status": "no document URL in the registry",
     "note": "No TMD link in the home page HTML; RACV publishes it elsewhere on the site."
    }
   },
   "facts": {
    "issuer": {
     "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
     "abn": "80000438291",
     "afsl": "246548",
     "footing": "company",
     "quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548",
     "evidence": {
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
      "first_seen_at": "2026-10-05T14:51:14Z",
      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3",
      "page": 3,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    },
    "distributor": {
     "name": "Tokio Marine & Nichido Fire Insurance Co., Ltd",
     "abn": "80000438291",
     "afsl": "246548",
     "basis": "authorised_representative",
     "quote": "Our managing agent and corporate authorised representative Tokio Marine Management (Australasia) Pty Ltd ABN 69 001 488 455, AR 1313066 (TMMA) is authorised to act on Our behalf to provide Our policies and handle and settle claims in relation to those policies",
     "evidence": {
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
      "first_seen_at": "2026-10-05T14:51:14Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "Our managing agent and corporate authorised representative Tokio Marine Management (Australasia) Pty Ltd ABN 69 001 488 455, AR 1313066 (TMMA) is authorised to act on Our behalf to provide Our policies and handle and settle claims in relation to those policies",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3",
      "page": 3,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     },
     "same_entity_as_issuer": true,
     "caution": "this names the same company as the insurer, so it is more likely a mis-read of the document than a distributor"
    },
    "cooling_off": {
     "days": 21,
     "quote": "You have 21 days from the day You purchase Your policy to decide if the cover is right for You and suits Your needs",
     "evidence": {
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
      "first_seen_at": "2026-10-05T14:51:14Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "You have 21 days from the day You purchase Your policy to decide if the cover is right for You and suits Your needs",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=9",
      "page": 9,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    },
    "overseas_medical": {
     "unlimited": true,
     "limit_aud": null,
     "quote": "$unlimited* Domestic Not Covered • for a Relative to arrive to care for them We will pay Your reasonable overseas medical, hospital, evacuation and repatriation expenses that You have to pay (other than those covered by a later sub-section of this Section 15) as a…",
     "evidence": {
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
      "first_seen_at": "2026-10-05T14:51:14Z",
      "rule": "overseas_medical.declared",
      "stale": false
     },
     "citation": {
      "quote": "$unlimited* Domestic Not Covered • for a Relative to arrive to care for them We will pay Your reasonable overseas medical, hospital, evacuation and repatriation expenses that You have to pay (other than those covered by a later sub-section of this Section 15) as a",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=27",
      "page": 27,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "stated",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no pds effective date",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "review_period": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "target_market": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "This insurance is issued by Us, Tokio Marine & Nichido Fire Insurance Co., Ltd. (Tokio Marine & Nichido) ABN 80 000 438 291, AFSL 246548",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=3",
      "page": 3,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    ]
   },
   "automatically_covered_conditions": {
    "read_by_hand": true,
    "written_on": "2026-11-06",
    "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
    "term_used": "medical condition",
    "section": {
     "quote": "Medical Conditions We automatically cover",
     "citation": {
      "quote": "Medical Conditions We automatically cover",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
      "page": 11,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    },
    "who": [],
    "lead": {
     "line": "The listed conditions are covered automatically if the traveller meets the criteria below at the time cover is bought.",
     "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:",
     "citation": {
      "quote": "This section outlines those Medical Conditions automatically included, provided that You, at the Relevant Time:",
      "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
      "page": 11,
      "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
      "confirmed": "2026-11-05"
     }
    },
    "criteria_for_every_condition": [
     {
      "line": "No hospital stay or treatment by a doctor for the condition in the last 24 months, unless the list gives another period; routine check-ups, blood tests and repeat prescriptions do not count as treatment.",
      "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition",
      "citation": {
       "quote": "have not required hospitalisation or treatment (where treatment does not include an annual or routine medical check-up, blood testing or a visit to a medical practitioner to obtain a regular prescription) by any Treating Doctor within the last 24 months (unless a different time period is specifically noted in the list below) for the Medical Condition",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not waiting on the outcome of any investigation, tests, surgery or other treatment for the condition.",
      "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition",
      "citation": {
       "quote": "are not awaiting the outcome of any investigation, tests, surgery or other treatment for the Medical Condition",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "The condition meets its own criteria in the list, where it has any.",
      "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below",
      "citation": {
       "quote": "meet any additional criteria set out in the Medical Conditions We automatically cover listed below",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "count": 38,
    "conditions": [
     {
      "name": "Acne",
      "citation": {
       "quote": "Acne",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever",
      "citation": {
       "quote": "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "however this excludes any Anaphylaxis as part of any such condition",
        "citation": {
         "quote": "however this excludes any Anaphylaxis as part of any such condition",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Asthma",
      "citation": {
       "quote": "Asthma",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "have no other lung disease",
        "citation": {
         "quote": "have no other lung disease",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "are under 60 years of age at time You purchase the policy",
        "citation": {
         "quote": "are under 60 years of age at time You purchase the policy",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bell’s Palsy",
      "citation": {
       "quote": "Bell’s Palsy",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Benign Positional Vertigo",
      "citation": {
       "quote": "Benign Positional Vertigo",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Bunions",
      "citation": {
       "quote": "Bunions",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Carpal Tunnel Syndrome",
      "citation": {
       "quote": "Carpal Tunnel Syndrome",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Cataracts",
      "citation": {
       "quote": "Cataracts",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Coeliac Disease",
      "citation": {
       "quote": "Coeliac Disease",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Blindness",
      "citation": {
       "quote": "Congenital Blindness",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Congenital Deafness",
      "citation": {
       "quote": "Congenital Deafness",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Diabetes Mellitus (Type 1)",
      "citation": {
       "quote": "Diabetes Mellitus (Type 1)",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "were diagnosed over 24 months ago",
        "citation": {
         "quote": "were diagnosed over 24 months ago",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "have no eye, kidney, nerve or vascular complications",
        "citation": {
         "quote": "have no eye, kidney, nerve or vascular complications",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia",
        "citation": {
         "quote": "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "are under 50 years of age at the date of policy purchase",
        "citation": {
         "quote": "are under 50 years of age at the date of policy purchase",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Diabetes Mellitus (Type 2)",
      "citation": {
       "quote": "Diabetes Mellitus (Type 2)",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "were diagnosed over 24 months ago",
        "citation": {
         "quote": "were diagnosed over 24 months ago",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "have no eye, kidney, nerve or vascular complications",
        "citation": {
         "quote": "have no eye, kidney, nerve or vascular complications",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia",
        "citation": {
         "quote": "do not also suffer from a known cardiovascular disease, Hypertension or Hypercholesterolaemia",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "are under 50 years of age at the date of policy purchase",
        "citation": {
         "quote": "are under 50 years of age at the date of policy purchase",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Dry Eye Syndrome",
      "citation": {
       "quote": "Dry Eye Syndrome",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Epilepsy",
      "citation": {
       "quote": "Epilepsy",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "there has been no change to Your medication regime in the past 24 months",
        "citation": {
         "quote": "there has been no change to Your medication regime in the past 24 months",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are on no more than one anticonvulsant medication",
        "citation": {
         "quote": "You are on no more than one anticonvulsant medication",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gastric Reflux",
      "citation": {
       "quote": "Gastric Reflux",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Gastric/Peptic Ulcer",
      "citation": {
       "quote": "Gastric/Peptic Ulcer",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Glaucoma",
      "citation": {
       "quote": "Glaucoma",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Gout",
      "citation": {
       "quote": "Gout",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Graves’ Disease",
      "citation": {
       "quote": "Graves’ Disease",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Hiatus Hernia",
      "citation": {
       "quote": "Hiatus Hernia",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Hip/Knee replacement",
      "citation": {
       "quote": "Hip/Knee replacement",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "if performed more than 24 months ago but less than 10 years ago",
        "citation": {
         "quote": "if performed more than 24 months ago but less than 10 years ago",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypercholesterolaemia (High Cholesterol)",
      "citation": {
       "quote": "Hypercholesterolaemia (High Cholesterol)",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "provided that You do not also suffer from a known cardiovascular disease or Diabetes",
        "citation": {
         "quote": "provided that You do not also suffer from a known cardiovascular disease or Diabetes",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hyperlipidaemia (High Blood Lipids)",
      "citation": {
       "quote": "Hyperlipidaemia (High Blood Lipids)",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "provided that You do not also suffer from a known cardiovascular disease or Diabetes",
        "citation": {
         "quote": "provided that You do not also suffer from a known cardiovascular disease or Diabetes",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypertension (High Blood Pressure)",
      "citation": {
       "quote": "Hypertension (High Blood Pressure)",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "provided that You do not also suffer from a known cardiovascular disease or Diabetes",
        "citation": {
         "quote": "provided that You do not also suffer from a known cardiovascular disease or Diabetes",
         "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
         "page": 11,
         "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Hypothyroidism, including Hashimoto’s Disease",
      "citation": {
       "quote": "Hypothyroidism, including Hashimoto’s Disease",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Incontinence",
      "citation": {
       "quote": "Incontinence",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Insulin Resistance",
      "citation": {
       "quote": "Insulin Resistance",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Macular Degeneration",
      "citation": {
       "quote": "Macular Degeneration",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Meniere’s Disease",
      "citation": {
       "quote": "Meniere’s Disease",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Migraine",
      "citation": {
       "quote": "Migraine",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Nocturnal Cramps",
      "citation": {
       "quote": "Nocturnal Cramps",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Plantar Fasciitis",
      "citation": {
       "quote": "Plantar Fasciitis",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Raynaud’s Disease",
      "citation": {
       "quote": "Raynaud’s Disease",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Sleep Apnoea",
      "citation": {
       "quote": "Sleep Apnoea",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Solar Keratosis",
      "citation": {
       "quote": "Solar Keratosis",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Trigeminal Neuralgia",
      "citation": {
       "quote": "Trigeminal Neuralgia",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     },
     {
      "name": "Trigger Finger",
      "citation": {
       "quote": "Trigger Finger",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      },
      "criteria": []
     }
    ],
    "notes": [],
    "otherwise": [
     {
      "line": "A condition not on the list can be applied for.",
      "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.",
      "citation": {
       "quote": "If You require cover for Medical Conditions that are not automatically covered above, You may apply for additional cover for that condition.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "After the online medical assessment, if the condition is accepted an extra premium may be payable and the condition is listed on the certificate of insurance.",
      "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI",
      "citation": {
       "quote": "We can cover the Medical Condition – in which case an additional Premium may be payable and the Medical Condition will be listed on Your COI",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=12",
       "page": 12,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not declaring a condition that is not on the list risks a claim for it being reduced or denied.",
      "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.",
      "citation": {
       "quote": "If You do not tell Us about any Medical Condition that is not automatically covered under this policy and that You want cover for, You run the risk of a claim relating to that Medical Condition being reduced or denied.",
       "url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf#page=11",
       "page": 11,
       "document_sha256": "894d9b874fc1928b7fabf8b0ff7233933d6e64a809a609be857a9c348e547411",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "applies_to_plans": null
   },
   "pre_existing_conditions": [
    {
     "plan_slug": "comprehensive",
     "plan": "Comprehensive",
     "product": "All plans",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-some-included",
      "pre-existing-if-approved"
     ],
     "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "count": 38,
      "names": [
       "Acne",
       "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever",
       "Asthma",
       "Bell’s Palsy",
       "Benign Positional Vertigo",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Diabetes Mellitus (Type 1)",
       "Diabetes Mellitus (Type 2)",
       "Dry Eye Syndrome",
       "Epilepsy",
       "Gastric Reflux",
       "Gastric/Peptic Ulcer",
       "Glaucoma",
       "Gout",
       "Graves’ Disease",
       "Hiatus Hernia",
       "Hip/Knee replacement",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hyperlipidaemia (High Blood Lipids)",
       "Hypertension (High Blood Pressure)",
       "Hypothyroidism, including Hashimoto’s Disease",
       "Incontinence",
       "Insulin Resistance",
       "Macular Degeneration",
       "Meniere’s Disease",
       "Migraine",
       "Nocturnal Cramps",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Sleep Apnoea",
       "Solar Keratosis",
       "Trigeminal Neuralgia",
       "Trigger Finger"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "essentials",
     "plan": "Essentials",
     "product": "All plans",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-some-included",
      "pre-existing-if-approved"
     ],
     "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
     "automatically_covered": {
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      "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "count": 38,
      "names": [
       "Acne",
       "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever",
       "Asthma",
       "Bell’s Palsy",
       "Benign Positional Vertigo",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Diabetes Mellitus (Type 1)",
       "Diabetes Mellitus (Type 2)",
       "Dry Eye Syndrome",
       "Epilepsy",
       "Gastric Reflux",
       "Gastric/Peptic Ulcer",
       "Glaucoma",
       "Gout",
       "Graves’ Disease",
       "Hiatus Hernia",
       "Hip/Knee replacement",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hyperlipidaemia (High Blood Lipids)",
       "Hypertension (High Blood Pressure)",
       "Hypothyroidism, including Hashimoto’s Disease",
       "Incontinence",
       "Insulin Resistance",
       "Macular Degeneration",
       "Meniere’s Disease",
       "Migraine",
       "Nocturnal Cramps",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Sleep Apnoea",
       "Solar Keratosis",
       "Trigeminal Neuralgia",
       "Trigger Finger"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "basics",
     "plan": "Basics",
     "product": "All plans",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-some-included",
      "pre-existing-if-approved"
     ],
     "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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     "automatically_covered": {
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      "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "count": 38,
      "names": [
       "Acne",
       "Allergies limited to Rhinitis, Chronic Sinusitis, Eczema, Food Intolerance, Hay Fever",
       "Asthma",
       "Bell’s Palsy",
       "Benign Positional Vertigo",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Diabetes Mellitus (Type 1)",
       "Diabetes Mellitus (Type 2)",
       "Dry Eye Syndrome",
       "Epilepsy",
       "Gastric Reflux",
       "Gastric/Peptic Ulcer",
       "Glaucoma",
       "Gout",
       "Graves’ Disease",
       "Hiatus Hernia",
       "Hip/Knee replacement",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hyperlipidaemia (High Blood Lipids)",
       "Hypertension (High Blood Pressure)",
       "Hypothyroidism, including Hashimoto’s Disease",
       "Incontinence",
       "Insulin Resistance",
       "Macular Degeneration",
       "Meniere’s Disease",
       "Migraine",
       "Nocturnal Cramps",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Sleep Apnoea",
       "Solar Keratosis",
       "Trigeminal Neuralgia",
       "Trigger Finger"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
     "plan_slug": "annual-multi-trip",
     "plan": "Annual Multi-Trip",
     "product": "All plans",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-some-included",
      "pre-existing-if-approved"
     ],
     "line": "Some listed medical conditions are covered automatically; others are covered only if the insurer approves them after an online medical assessment, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "cc68bbb04899f5347b2711286707055e2881a64ea937cb0c74077a836bf52b85",
     "automatically_covered": {
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      "pds_url": "https://www.racv.com.au/content/dam/racv-assets/documents/insurance/travel-insurance/pds/travel-insurance-spds-current.pdf",
      "count": 38,
      "names": [
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       "Benign Positional Vertigo",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Diabetes Mellitus (Type 1)",
       "Diabetes Mellitus (Type 2)",
       "Dry Eye Syndrome",
       "Epilepsy",
       "Gastric Reflux",
       "Gastric/Peptic Ulcer",
       "Glaucoma",
       "Gout",
       "Graves’ Disease",
       "Hiatus Hernia",
       "Hip/Knee replacement",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hyperlipidaemia (High Blood Lipids)",
       "Hypertension (High Blood Pressure)",
       "Hypothyroidism, including Hashimoto’s Disease",
       "Incontinence",
       "Insulin Resistance",
       "Macular Degeneration",
       "Meniere’s Disease",
       "Migraine",
       "Nocturnal Cramps",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Sleep Apnoea",
       "Solar Keratosis",
       "Trigeminal Neuralgia",
       "Trigger Finger"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    }
   ]
  },
  {
   "brand_slug": "tick",
   "brand": "Tick Travel Insurance",
   "site": "https://www.tickinsurance.com.au/",
   "product": "Overseas travel policy wording",
   "documents": {
    "pds": {
     "kind": "pds",
     "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
     "label": "Tick Overseas Travel policy wording, July 2024",
     "status": "ok",
     "http_status": 200,
     "words": 26002,
     "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
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    },
    "tmd": {
     "kind": "tmd",
     "url": "https://www.tickinsurance.com.au/sites/default/files/2026-03/TK_ST_TMD_20260401.pdf",
     "label": "Tick Single Trip Target Market Determination, 1 April 2026",
     "status": "ok",
     "http_status": 200,
     "words": 2069,
     "content_sha256": "303446151edfdc3492789703467eed814c38e9f8cd96244fd6710e5ae4e6c09c",
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     "retrieved_at": "2026-11-04T23:17:32Z"
    }
   },
   "facts": {
    "issuer": {
     "name": "Mitsui Sumitomo Insurance Company Limited",
     "abn": "49000525637",
     "afsl": "240816",
     "footing": "company",
     "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
     "evidence": {
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
      "first_seen_at": "2026-10-05T14:51:15Z",
      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=3",
      "page": 3,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05"
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    },
    "distributor": {
     "name": "Europ Assistance Australia Pty Ltd",
     "abn": "71140219594",
     "afsl": "552106",
     "basis": "binding_authority",
     "quote": "Europ Assistance holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent",
     "evidence": {
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
      "first_seen_at": "2026-10-05T14:51:15Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "Europ Assistance holds a binding authority from the insurer, MSI to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=3",
      "page": 3,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05"
     }
    },
    "cooling_off": {
     "days": 14,
     "quote": "If you cancel after this 14 day period, provided that you have not made a claim or exercised any other rights under the policy, we will refund you a proportion of the premium for the outstanding period of cover less any government charges and taxes that we cannot recover",
     "evidence": {
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
      "first_seen_at": "2026-10-05T14:51:15Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "If you cancel after this 14 day period, provided that you have not made a claim or exercised any other rights under the policy, we will refund you a proportion of the premium for the outstanding period of cover less any government charges and taxes that we cannot recover",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=9",
      "page": 9,
      "document_sha256": "944e08fa08131fc96f16b25ef16c7c85eb9bf486588376981b88284f6308a1ef",
      "confirmed": "2026-11-05"
     }
    },
    "tmd_effective_date": {
     "effective_date": "2026-04-01",
     "quote": "This document was prepared on 01 April 2026",
     "evidence": {
      "url": "https://www.tickinsurance.com.au/sites/default/files/2026-03/TK_ST_TMD_20260401.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "303446151edfdc3492789703467eed814c38e9f8cd96244fd6710e5ae4e6c09c",
      "first_seen_at": "2026-10-05T14:51:16Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "This document was prepared on 01 April 2026",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2026-03/TK_ST_TMD_20260401.pdf#page=2",
      "page": 2,
      "document_sha256": "2e2b13cb4c973b52dd8f9bb8b71f42b75492e4cb9c10a6c720e320b04bf68368",
      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no pds effective date",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no review period",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no target market",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "disagree",
    "pds": {
     "name": "Mitsui Sumitomo Insurance Company Limited",
     "abn": "49000525637",
     "afsl": "240816"
    },
    "tmd": {
     "name": "Europ Assistance Australia Pty Ltd",
     "abn": "71140219594",
     "afsl": "552106"
    },
    "note": "the two documents name different insurers; published as a finding rather than resolved by preferring one document",
    "citations": [
     {
      "quote": "The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637, AFSL 240816 Level 26, 135 King St, Sydney, NSW 2000, Throughout this PDS the issuer/insurer is referred to as we, us, our",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2024-07/TK_MS_PW_OT_0724_V0.pdf#page=3",
      "page": 3,
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      "confirmed": "2026-11-05"
     },
     {
      "quote": "Tick Single Trip Travel Insurance is issued by Europ Assistance Australia Pty Ltd ABN 71 140 219 594, AFSL 552106 (referred to in this document as ‘we’, ‘us, and ‘our’)",
      "url": "https://www.tickinsurance.com.au/sites/default/files/2026-03/TK_ST_TMD_20260401.pdf#page=2",
      "page": 2,
      "document_sha256": "2e2b13cb4c973b52dd8f9bb8b71f42b75492e4cb9c10a6c720e320b04bf68368",
      "confirmed": "2026-11-05"
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    ]
   },
   "pre_existing_conditions": [
    {
     "plan_slug": "basic",
     "plan": "Basic",
     "product": "All plans",
     "treatment": "not_covered",
     "in_words": "not covered",
     "labels": [
      "pre-existing-not-covered"
     ],
     "line": "Pre-existing medical conditions are not covered.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
     "automatically_covered": null
    },
    {
     "plan_slug": "budget",
     "plan": "Budget",
     "product": "All plans",
     "treatment": "not_covered",
     "in_words": "not covered",
     "labels": [
      "pre-existing-not-covered"
     ],
     "line": "Pre-existing medical conditions are not covered.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
     "automatically_covered": null
    },
    {
     "plan_slug": "standard",
     "plan": "Standard",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless you tell the insurer about them and it accepts them.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
     "automatically_covered": null
    },
    {
     "plan_slug": "top",
     "plan": "Top",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless you tell the insurer about them and it accepts them.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "06f05e699f9c1368fa71e20b69ccd318e6d475d098f0bb6f5982702cb954f377",
     "automatically_covered": null
    }
   ]
  },
  {
   "brand_slug": "travel-insurance-direct",
   "brand": "Travel Insurance Direct (TID)",
   "site": "https://www.tid.com.au/",
   "product": "Comprehensive",
   "documents": {
    "pds": {
     "kind": "pds",
     "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
     "label": "Travel Insurance Direct PDS",
     "status": "ok",
     "http_status": 200,
     "words": 31923,
     "content_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
     "bytes_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
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    },
    "tmd": {
     "kind": "tmd",
     "url": null,
     "label": null,
     "status": "no document URL in the registry",
     "note": "No TMD link in the home page HTML; the site serves documents from an API, so the TMD is probably another endpoint."
    }
   },
   "facts": {
    "issuer": {
     "name": "Allianz Australia Insurance Limited",
     "abn": "15000122850",
     "afsl": "234708",
     "footing": "company",
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     "evidence": {
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
      "first_seen_at": "2026-10-05T14:51:09Z",
      "rule": "issuer.declared",
      "stale": false
     },
     "citation": {
      "quote": "This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000 Prepared on 22 July 2026 TIDTI / IMP3847",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=2",
      "page": 2,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
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    },
    "pds_effective_date": {
     "effective_date": "2026-07-22",
     "quote": "Prepared on 22 July 2026 TIDTI / IMP3847",
     "evidence": {
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
      "first_seen_at": "2026-10-05T14:51:09Z",
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      "stale": false
     },
     "citation": {
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      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=2",
      "page": 2,
      "document_sha256": "6fd4391552f0b96dc550a7dba50c21f598268a7fc5728059478124490a4a4d9b",
      "confirmed": "2026-11-05"
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    }
   },
   "checks": {
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     "document": "pds"
    },
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     "document": "pds"
    },
    "cooling_off": {
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     "document": "pds"
    },
    "age_limit": {
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     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
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     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "review_period": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    },
    "target_market": {
     "outcome": "not_checked",
     "reason": "no tmd could be read for this brand"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "This insurance is underwritten by Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence 234708 Level 16, 10 Carrington St Sydney, NSW 2000 Prepared on 22 July 2026 TIDTI / IMP3847",
      "url": "https://cft-onex-api.agaassistance.com.au/api/document/pds/tid/#page=2",
      "page": 2,
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    ]
   },
   "pre_existing_conditions": [
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     "plan": "Comprehensive (single)",
     "product": "Comprehensive",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
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     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer agrees in writing after a medical assessment.",
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    },
    {
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     "plan": "Comprehensive (duo)",
     "product": "Comprehensive",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer agrees in writing after a medical assessment.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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    {
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     "plan": "Comprehensive (family)",
     "product": "Comprehensive",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer agrees in writing after a medical assessment.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "82d195380e76961f03602d38fb5eb29f13294c057f08cb27c0144420aca94ff9",
     "automatically_covered": null
    },
    {
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     "plan": "Basic (single)",
     "product": "Basic",
     "treatment": "not_labelled",
     "in_words": "",
     "labels": [],
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    },
    {
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     "product": "Basic",
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    },
    {
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     "plan": "Basic (family)",
     "product": "Basic",
     "treatment": "not_labelled",
     "in_words": "",
     "labels": [],
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     "written_against_sha256": null,
     "automatically_covered": null
    },
    {
     "plan_slug": "domestic-single",
     "plan": "Domestic (single)",
     "product": "Domestic",
     "treatment": "not_labelled",
     "in_words": "",
     "labels": [],
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     "line_is": null,
     "written_against_sha256": null,
     "automatically_covered": null
    },
    {
     "plan_slug": "domestic-duo",
     "plan": "Domestic (duo)",
     "product": "Domestic",
     "treatment": "not_labelled",
     "in_words": "",
     "labels": [],
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     "written_against_sha256": null,
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    },
    {
     "plan_slug": "domestic-family",
     "plan": "Domestic (family)",
     "product": "Domestic",
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     "in_words": "",
     "labels": [],
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     "written_against_sha256": null,
     "automatically_covered": null
    }
   ]
  },
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   "brand_slug": "travel-insurance-saver",
   "brand": "Travel Insurance Saver",
   "site": "https://www.travelinsurancesaver.com.au/",
   "product": "Travel Insurance Saver PDS v1.3",
   "documents": {
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     "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
     "label": "Travel Insurance Saver PDS v1.3",
     "status": "ok",
     "http_status": 200,
     "words": 18932,
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     "status": "ok",
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   },
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     "afsl": null,
     "footing": "lloyds",
     "quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
     "evidence": {
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      "document": "pds",
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      "stale": false
     },
     "citation": {
      "quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=3",
      "page": 3,
      "document_sha256": "2f28ff835265079008eb030d57944d11b2af6a5f1b0290025eb9269730ed4c04",
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    },
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     "basis": "authorised_representative",
     "quote": "authorised representative of Chase Underwriting Solutions Pty Ltd (ABN 50 156 554 808, AFS License No 454344) (Chase)",
     "evidence": {
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
      "first_seen_at": "2026-10-05T14:51:19Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "authorised representative of Chase Underwriting Solutions Pty Ltd (ABN 50 156 554 808, AFS License No 454344) (Chase)",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=3",
      "page": 3,
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      "confirmed": "2026-11-05"
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    },
    "cooling_off": {
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     "quote": "If, having purchased the Policy, You want to cancel it, You can do so within 14 business days of receiving the Certificate of Insurance and obtain a full refund, provided You have not made a claim and Your Trip has not commenced",
     "evidence": {
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
      "first_seen_at": "2026-10-05T14:51:19Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "If, having purchased the Policy, You want to cancel it, You can do so within 14 business days of receiving the Certificate of Insurance and obtain a full refund, provided You have not made a claim and Your Trip has not commenced",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=5",
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    },
    "pds_effective_date": {
     "effective_date": "2025-12-31",
     "quote": "This PDS was prepared on 31 December 2025 and remains valid until a further PDS is issued to replace it",
     "evidence": {
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
      "first_seen_at": "2026-10-05T14:51:19Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "This PDS was prepared on 31 December 2025 and remains valid until a further PDS is issued to replace it",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=5",
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    },
    "tmd_effective_date": {
     "effective_date": "2025-12-30",
     "quote": "Prepared on: 30 December 2025 (Effective from 31 December 2025) TMD Reference Number:TISTMDv1.3Chase",
     "evidence": {
      "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "debdd5a5506cf884b5eb528da5794ddafe06c57459a774d7df60db0d7fdd2e15",
      "first_seen_at": "2026-10-05T14:51:20Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "Prepared on: 30 December 2025 (Effective from 31 December 2025) TMD Reference Number:TISTMDv1.3Chase",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf#page=1",
      "page": 1,
      "document_sha256": "4388ab486efa36825e0259586e5d6908127fa1d4decc966f26450dfc4447e68c",
      "confirmed": "2026-11-05"
     }
    },
    "review_period": {
     "review_months": 12,
     "quote": "We will review this TMD within one year from the effective date to ensure it remains appropriate and in compliance with the objectives, financial situations and needs of the customer",
     "evidence": {
      "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "debdd5a5506cf884b5eb528da5794ddafe06c57459a774d7df60db0d7fdd2e15",
      "first_seen_at": "2026-10-05T14:51:20Z",
      "rule": "review_period.declared",
      "stale": false
     },
     "citation": {
      "quote": "We will review this TMD within one year from the effective date to ensure it remains appropriate and in compliance with the objectives, financial situations and needs of the customer",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf#page=2",
      "page": 2,
      "document_sha256": "4388ab486efa36825e0259586e5d6908127fa1d4decc966f26450dfc4447e68c",
      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "not_stated",
     "reason": "the tmd was read in full and states no target market",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "disagree",
    "pds": {
     "name": "Lloyd's of London",
     "abn": null,
     "afsl": null
    },
    "tmd": {
     "name": "Chase Underwriting Solutions Pty Ltd",
     "abn": null,
     "afsl": "454344"
    },
    "note": "the two documents name different insurers; published as a finding rather than resolved by preferring one document",
    "citations": [
     {
      "quote": "Chase has under binding authority authorised by certain underwriters at Lloyd’s of London (Insurer) to act on its behalf in arranging, issuing, varying, cancelling and providing general advice in relation to the Insurer’s travel insurance products",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/Travel-Insurance-Saver-PDS-v1.3.pdf#page=3",
      "page": 3,
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      "confirmed": "2026-11-05"
     },
     {
      "quote": "This product is issued by Chase Underwriting Solutions Pty Ltd AFSL 454344 on behalf of Certain Underwriters at Lloyd’s of London and designed to be distributed via:   Chase Underwriting Solutions Pty Ltd, AFSL 45344 website by visiting www.travelinsurancesaver.com.au Insurance Saver Pty Ltd, ABN 18 624 919 366, AR 1263726",
      "url": "https://travelinsurancesaver.com.au/Assets/Files/TIS-Target-Market-Determination-v1.3.pdf#page=2",
      "page": 2,
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   },
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    {
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     "plan": "Comprehensive",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
     "automatically_covered": null
    },
    {
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     "plan": "Essentials",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions, as the policy defines them, are not covered unless the insurer accepts them after an online medical screening, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "3f664458f78e1c5e612f721a6ae857d97ce3e54970e290f9da2c6c112dc04fe3",
     "automatically_covered": null
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   ]
  },
  {
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   "brand": "Webjet Travel Insurance",
   "site": "https://www.webjet.com.au/travel-insurance/",
   "product": "Comprehensive (policies issued on or after 25 March 2026)",
   "documents": {
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     "kind": "pds",
     "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
     "label": "Webjet Travel Insurance PDS",
     "status": "ok",
     "http_status": 200,
     "words": 28115,
     "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
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    },
    "tmd": {
     "kind": "tmd",
     "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf",
     "label": "Webjet Travel Insurance Target Market Determination",
     "status": "ok",
     "http_status": 200,
     "words": 3272,
     "content_sha256": "fdde318e8894099e9c51e18cfc9b11a437b756931060689cd00fe14babb5dc1d",
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   },
   "facts": {
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     "name": "Zurich Australian Insurance Limited",
     "abn": "13000296640",
     "afsl": "232507",
     "footing": "company",
     "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
     "evidence": {
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
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     },
     "citation": {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=18",
      "page": 18,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
      "confirmed": "2026-11-05"
     }
    },
    "distributor": {
     "name": "Cover-More Insurance Services Pty Ltd",
     "abn": "95003114145",
     "afsl": "241713",
     "basis": "authorised_representative",
     "quote": "Cover-More’s authorised representative Webjet Marketing Pty Ltd ABN 84 063 430 848 (Webjet), AR 301380 trading as Webjet",
     "evidence": {
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
      "first_seen_at": "2026-10-05T14:51:04Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "Cover-More’s authorised representative Webjet Marketing Pty Ltd ABN 84 063 430 848 (Webjet), AR 301380 trading as Webjet",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=48",
      "page": 48,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
      "confirmed": "2026-11-05"
     }
    },
    "cooling_off": {
     "days": 21,
     "quote": "cancel this policy for any reason within the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
     "evidence": {
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
      "first_seen_at": "2026-10-05T14:51:04Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "cancel this policy for any reason within the cooling-off period which is within 21 days of the date of purchase, We will give You Your money back",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=7",
      "page": 7,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
      "confirmed": "2026-11-05"
     }
    },
    "pds_effective_date": {
     "effective_date": "2026-02-06",
     "quote": "Date prepared: 06 February 2026 Copyright © 2026 Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) P43_Webjet White Label_JREY-023912-2026_01 PDS Issue 8 (WTI_WII_WDI)",
     "evidence": {
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
      "first_seen_at": "2026-10-05T14:51:04Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "Date prepared: 06 February 2026 Copyright © 2026 Cover-More Insurance Services Pty Ltd (ABN 95 003 114 145, AFSL 241713) P43_Webjet White Label_JREY-023912-2026_01 PDS Issue 8 (WTI_WII_WDI)",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=50",
      "page": 50,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
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     }
    },
    "tmd_effective_date": {
     "effective_date": "2023-07-12",
     "quote": "effective date on or after 12 July 2023",
     "evidence": {
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "fdde318e8894099e9c51e18cfc9b11a437b756931060689cd00fe14babb5dc1d",
      "first_seen_at": "2026-10-05T14:51:05Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "effective date on or after 12 July 2023",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf#page=1",
      "page": 1,
      "document_sha256": "699df87f7bf24f6538cdafd12273bf2aa3d79f953cadf00d755b2fd765c04e4c",
      "confirmed": "2026-11-05"
     }
    },
    "review_period": {
     "review_months": 24,
     "quote": "We will review this TMD within 2 years from the date of preparation to ensure it remains appropriate and every 2 years since the last review",
     "evidence": {
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "fdde318e8894099e9c51e18cfc9b11a437b756931060689cd00fe14babb5dc1d",
      "first_seen_at": "2026-10-05T14:51:05Z",
      "rule": "review_period.declared",
      "stale": false
     },
     "citation": {
      "quote": "We will review this TMD within 2 years from the date of preparation to ensure it remains appropriate and every 2 years since the last review",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf#page=8",
      "page": 8,
      "document_sha256": "699df87f7bf24f6538cdafd12273bf2aa3d79f953cadf00d755b2fd765c04e4c",
      "confirmed": "2026-11-05"
     }
    },
    "target_market": {
     "quote": "This product has been designed for people who have an overseas trip, can pay the premium and want to be covered against financial loss caused by certain unforeseen incidents involving leisure travel where the loss suffered may be material if there is no cover",
     "evidence": {
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "fdde318e8894099e9c51e18cfc9b11a437b756931060689cd00fe14babb5dc1d",
      "first_seen_at": "2026-10-05T14:51:05Z",
      "rule": "target_market.declared",
      "stale": false
     },
     "citation": {
      "quote": "This product has been designed for people who have an overseas trip, can pay the premium and want to be covered against financial loss caused by certain unforeseen incidents involving leisure travel where the loss suffered may be material if there is no cover",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/TMD/TMD_WJP_CM.pdf#page=2",
      "page": 2,
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      "confirmed": "2026-11-05"
     }
    }
   },
   "checks": {
    "issuer": {
     "outcome": "stated",
     "document": "pds"
    },
    "distributor": {
     "outcome": "stated",
     "document": "pds"
    },
    "cooling_off": {
     "outcome": "stated",
     "document": "pds"
    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
    "pds_effective_date": {
     "outcome": "stated",
     "document": "pds"
    },
    "tmd_effective_date": {
     "outcome": "stated",
     "document": "tmd"
    },
    "review_period": {
     "outcome": "stated",
     "document": "tmd"
    },
    "target_market": {
     "outcome": "stated",
     "document": "tmd"
    }
   },
   "issuer_agreement": {
    "outcome": "one_document_only",
    "document": "pds",
    "note": "only one of the two documents declares an insurer, so there is nothing to compare",
    "citations": [
     {
      "quote": "The insurer of this product is Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296 640, AFSL 232507",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=18",
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   },
   "automatically_covered_conditions": {
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    "written_on": "2026-11-06",
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    "term_used": "existing medical condition",
    "section": {
     "quote": "Existing Medical Conditions We automatically include",
     "citation": {
      "quote": "Existing Medical Conditions We automatically include",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
      "page": 12,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
      "confirmed": "2026-11-05"
     }
    },
    "who": [],
    "lead": {
     "line": "Conditions in the table are covered automatically if the criteria below are met.",
     "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
     "citation": {
      "quote": "We automatically include the Existing Medical Conditions listed in the table following provided",
      "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
      "page": 12,
      "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
      "confirmed": "2026-11-05"
     }
    },
    "criteria_for_every_condition": [
     {
      "line": "Every existing medical condition the traveller has must be on the list.",
      "quote": "all Your Existing Medical Conditions are on this list",
      "citation": {
       "quote": "all Your Existing Medical Conditions are on this list",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "No hospital stay or treatment by a medical practitioner for any listed condition in the last 12 months.",
      "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
      "citation": {
       "quote": "You have not been hospitalised or required treatment by a medical practitioner in the last 12 months for any of the listed conditions",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not under investigation for any listed condition.",
      "quote": "You are not under investigation for any of the listed conditions",
      "citation": {
       "quote": "You are not under investigation for any of the listed conditions",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Not waiting for investigation, surgery, treatment or procedures for any listed condition.",
      "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
      "citation": {
       "quote": "You are not awaiting investigation, surgery, treatment or procedures for any of the listed conditions",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "The condition meets its own criteria in the table.",
      "quote": "Your condition satisfies the criteria in the table following",
      "citation": {
       "quote": "Your condition satisfies the criteria in the table following",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Time frames run back from the Relevant Time unless stated otherwise.",
      "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
      "citation": {
       "quote": "All time frames are measured in relation to the Relevant Time, unless specified otherwise",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "count": 36,
    "conditions": [
     {
      "name": "Acne",
      "citation": {
       "quote": "Acne",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "ADHD",
      "citation": {
       "quote": "ADHD",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Allergy",
      "citation": {
       "quote": "Allergy",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
        "citation": {
         "quote": "In the last 6 months, You haven’t required treatment by a medical practitioner for this condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no known respiratory conditions (e.g. Asthma)",
        "citation": {
         "quote": "You have no known respiratory conditions (e.g. Asthma)",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Anxiety",
      "citation": {
       "quote": "Anxiety",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been diagnosed with Depression in the last 3 years",
        "citation": {
         "quote": "You have not been diagnosed with Depression in the last 3 years",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Anxiety",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Asthma",
      "citation": {
       "quote": "Asthma",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You are less than 60 years of age when You purchase the policy",
        "citation": {
         "quote": "You are less than 60 years of age when You purchase the policy",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
        "citation": {
         "quote": "In the last 12 months, You haven’t had an Asthma exacerbation requiring treatment by a medical practitioner",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have been a non-smoker for at least the last 18 months",
        "citation": {
         "quote": "You have been a non-smoker for at least the last 18 months",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t need prescribed oxygen outside of a hospital",
        "citation": {
         "quote": "You don’t need prescribed oxygen outside of a hospital",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
        "citation": {
         "quote": "You don’t have a chronic lung condition or disease (whether chronic or otherwise) including Chronic Bronchitis, Chronic Obstructive Pulmonary Disease (COPD), Emphysema or Pulmonary Fibrosis",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bell’s Palsy",
      "citation": {
       "quote": "Bell’s Palsy",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Bunions",
      "citation": {
       "quote": "Bunions",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Carpal Tunnel Syndrome",
      "citation": {
       "quote": "Carpal Tunnel Syndrome",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Cataracts",
      "citation": {
       "quote": "Cataracts",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Glaucoma",
      "citation": {
       "quote": "Glaucoma",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 90 days, You haven’t had an operation for this condition",
        "citation": {
         "quote": "In the last 90 days, You haven’t had an operation for this condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have no ongoing complications of this condition",
        "citation": {
         "quote": "You have no ongoing complications of this condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Coeliac Disease",
      "citation": {
       "quote": "Coeliac Disease",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Congenital Blindness",
      "citation": {
       "quote": "Congenital Blindness",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Congenital Deafness",
      "citation": {
       "quote": "Congenital Deafness",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Depression",
      "citation": {
       "quote": "Depression",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
       "page": 12,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You have not been hospitalised for this condition in the last 2 years",
        "citation": {
         "quote": "You have not been hospitalised for this condition in the last 2 years",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed medication hasn’t changed",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
        "citation": {
         "quote": "You are not currently waiting to see a mental health clinician (e.g. psychologist or psychiatrist)",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
        "citation": {
         "quote": "You have not previously been required to cancel or curtail Your travel plans due to Your Depression",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Ear Grommets",
      "citation": {
       "quote": "Ear Grommets",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an ear infection",
        "citation": {
         "quote": "You don’t have an ear infection",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Epilepsy",
      "citation": {
       "quote": "Epilepsy",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
        "citation": {
         "quote": "You don’t have an underlying medical condition (e.g. previous head trauma, Brain Tumour or Stroke)",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Gastric Reflux",
      "citation": {
       "quote": "Gastric Reflux",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
        "citation": {
         "quote": "Your Gastric Reflux doesn’t relate to an underlying diagnosis (e.g. Hernia/Gastric Ulcer)",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Goitre",
      "citation": {
       "quote": "Goitre",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
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       }
      ]
     },
     {
      "name": "Graves’ Disease",
      "citation": {
       "quote": "Graves’ Disease",
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       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
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       }
      ]
     },
     {
      "name": "Gout",
      "citation": {
       "quote": "Gout",
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       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
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         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Hiatus Hernia",
      "citation": {
       "quote": "Hiatus Hernia",
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       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
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      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
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     },
     {
      "name": "Hip Replacement",
      "citation": {
       "quote": "Hip Replacement",
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       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
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       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
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       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
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         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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      ]
     },
     {
      "name": "Knee Replacement",
      "citation": {
       "quote": "Knee Replacement",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Shoulder Replacement",
      "citation": {
       "quote": "Shoulder Replacement",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Hip Resurfacing",
      "citation": {
       "quote": "Hip Resurfacing",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
        "citation": {
         "quote": "The procedure was performed more than 12 months ago and less than 10 years ago",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had any post-operative complications related to that surgery",
        "citation": {
         "quote": "You haven’t had any post-operative complications related to that surgery",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Post-operative complications include joint dislocation and infection",
        "citation": {
         "quote": "Post-operative complications include joint dislocation and infection",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Hypercholesterolaemia (High Cholesterol)",
      "citation": {
       "quote": "Hypercholesterolaemia (High Cholesterol)",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Hypertension (High Blood Pressure)",
      "citation": {
       "quote": "Hypertension (High Blood Pressure)",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "You don’t have a known heart or cardiovascular condition",
        "citation": {
         "quote": "You don’t have a known heart or cardiovascular condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You don’t have Diabetes (Type I or Type II)",
        "citation": {
         "quote": "You don’t have Diabetes (Type I or Type II)",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Hypertension is stable and managed by Your medical practitioner",
        "citation": {
         "quote": "Your Hypertension is stable and managed by Your medical practitioner",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
        "citation": {
         "quote": "In the last 12 months, Your prescribed blood pressure medication hasn’t changed",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t suffering symptoms of Hypertension",
        "citation": {
         "quote": "You aren’t suffering symptoms of Hypertension",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You aren’t having investigations related to blood pressure",
        "citation": {
         "quote": "You aren’t having investigations related to blood pressure",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Migraine",
      "citation": {
       "quote": "Migraine",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
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       }
      ]
     },
     {
      "name": "Peptic Gastric Ulcer",
      "citation": {
       "quote": "Peptic Gastric Ulcer",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
        "citation": {
         "quote": "In the last 12 months, the Peptic/Gastric Ulcer has been stable",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Plantar Fasciitis",
      "citation": {
       "quote": "Plantar Fasciitis",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Raynaud’s Disease",
      "citation": {
       "quote": "Raynaud’s Disease",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Skin Cancer",
      "citation": {
       "quote": "Skin Cancer",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "Your Skin Cancer isn’t a Melanoma",
        "citation": {
         "quote": "Your Skin Cancer isn’t a Melanoma",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
        "citation": {
         "quote": "You haven’t had chemotherapy or radiotherapy for this condition",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       },
       {
        "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
        "citation": {
         "quote": "Your Skin Cancer does not require any follow up treatment e.g. chemotherapy, radiotherapy or further excision",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Stenosing Tenosynovitis (Trigger Finger)",
      "citation": {
       "quote": "Stenosing Tenosynovitis (Trigger Finger)",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Urinary Incontinence",
      "citation": {
       "quote": "Urinary Incontinence",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "No additional criteria",
        "citation": {
         "quote": "No additional criteria",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=12",
         "page": 12,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Underactive Thyroid",
      "citation": {
       "quote": "Underactive Thyroid",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     },
     {
      "name": "Overactive Thyroid",
      "citation": {
       "quote": "Overactive Thyroid",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      },
      "criteria": [
       {
        "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
        "citation": {
         "quote": "The cause of Your Underactive/Overactive Thyroid wasn’t a tumour",
         "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
         "page": 13,
         "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
         "confirmed": "2026-11-05"
        }
       }
      ]
     }
    ],
    "notes": [
     {
      "line": "The automatic list does not apply at all if the traveller has any other existing medical condition not on it.",
      "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
      "citation": {
       "quote": "To be clear, the conditions We automatically include only apply if You do not have other Existing Medical Conditions beyond those on this list.",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "otherwise": [
     {
      "line": "A condition not on the list, or one that fails its criteria, needs an online health assessment declaring all existing conditions.",
      "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
      "citation": {
       "quote": "You will need to complete an online health assessment by declaring all Your Existing Medical Conditions to Us.",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=13",
       "page": 13,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     },
     {
      "line": "Existing conditions are otherwise excluded; cover can be applied for and may cost an extra premium if approved.",
      "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
      "citation": {
       "quote": "However, We may separately provide cover for an Existing Medical Condition. If such cover is applied for and approved, an extra premium may apply.",
       "url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf#page=11",
       "page": 11,
       "document_sha256": "baa206670bc8e1a900abf037817ceff1ee0f5748f3d1e2f289080ac7cd4bd220",
       "confirmed": "2026-11-05"
      }
     }
    ],
    "applies_to_plans": null
   },
   "pre_existing_conditions": [
    {
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     "plan": "International Travel Safe Plus",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "3023fe0188a254930bd57b5c0f3b3ec0285d781f61369b40036b80ad31eae266",
     "automatically_covered": {
      "where": "listed in the document",
      "pds_url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
       "Ear Grommets",
       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    },
    {
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     "plan": "International Travel Safe",
     "product": "International",
     "treatment": "some_named_automatically_others_if_approved",
     "in_words": "some named conditions automatically; others if approved",
     "labels": [
      "pre-existing-if-approved",
      "pre-existing-some-included"
     ],
     "line": "Pre-existing medical conditions are not covered unless the insurer approves them after a health assessment; some listed conditions are covered automatically.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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     "automatically_covered": {
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      "pds_url": "https://policy.poweredbycovermore.com/partners/webjet/au/files/documents/pds/PDS_WJP_CM.pdf",
      "count": 36,
      "names": [
       "Acne",
       "ADHD",
       "Allergy",
       "Anxiety",
       "Asthma",
       "Bell’s Palsy",
       "Bunions",
       "Carpal Tunnel Syndrome",
       "Cataracts",
       "Glaucoma",
       "Coeliac Disease",
       "Congenital Blindness",
       "Congenital Deafness",
       "Depression",
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       "Epilepsy",
       "Gastric Reflux",
       "Goitre",
       "Graves’ Disease",
       "Gout",
       "Hiatus Hernia",
       "Hip Replacement",
       "Knee Replacement",
       "Shoulder Replacement",
       "Hip Resurfacing",
       "Hypercholesterolaemia (High Cholesterol)",
       "Hypertension (High Blood Pressure)",
       "Migraine",
       "Peptic Gastric Ulcer",
       "Plantar Fasciitis",
       "Raynaud’s Disease",
       "Skin Cancer",
       "Stenosing Tenosynovitis (Trigger Finger)",
       "Urinary Incontinence",
       "Underactive Thyroid",
       "Overactive Thyroid"
      ],
      "see": "this brand's automatically_covered_conditions"
     }
    }
   ]
  },
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   "brand": "Zoom Travel Insurance",
   "site": "https://www.zoomtravelinsurance.com.au/",
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     "status": "ok",
     "http_status": 200,
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    },
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     "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf",
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     "http_status": 200,
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   },
   "facts": {
    "issuer": {
     "name": "HDI Global Speciality SE",
     "abn": "58129395544",
     "afsl": "458776",
     "footing": "company",
     "quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
     "evidence": {
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
      "http_status": 200,
      "document": "pds",
      "content_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
      "first_seen_at": "2026-10-05T14:51:17Z",
      "rule": "issuer.labelled",
      "stale": false
     },
     "citation": {
      "quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=86",
      "page": 86,
      "document_sha256": "6faf82964eedfa9d53f020f13f56d6ceb62c155c6260432d1383c401e7e61124",
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    },
    "distributor": {
     "name": "Coffre-Fort Pty Ltd",
     "abn": "66125358518",
     "afsl": "472457",
     "basis": "authorised_representative",
     "quote": "Zoom Travel Insurance is a registered Business Name of The Insurance Geeks Pty Ltd, ABN 35 612 507 785 (Insurance Geeks), a corporate authorised representative (CAR 1249296) of Coffre-Fort Pty Ltd ABN 66 125 358 518, AFS Licence No",
     "evidence": {
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      "first_seen_at": "2026-10-05T14:51:17Z",
      "rule": "distributor.declared",
      "stale": false
     },
     "citation": {
      "quote": "Zoom Travel Insurance is a registered Business Name of The Insurance Geeks Pty Ltd, ABN 35 612 507 785 (Insurance Geeks), a corporate authorised representative (CAR 1249296) of Coffre-Fort Pty Ltd ABN 66 125 358 518, AFS Licence No",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=6",
      "page": 6,
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     }
    },
    "cooling_off": {
     "days": 14,
     "quote": "Up to 14 Days (Cooling-off Period) Money Back Guarantee You may change your mind about buying this policy within fourteen (14) days of issue of the certificate of insurance (‘cooling-off period’) and we will provide a full refund",
     "evidence": {
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf",
      "http_status": 200,
      "document": "pds",
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      "first_seen_at": "2026-10-05T14:51:17Z",
      "rule": "cooling_off.declared",
      "stale": false
     },
     "citation": {
      "quote": "Up to 14 Days (Cooling-off Period) Money Back Guarantee You may change your mind about buying this policy within fourteen (14) days of issue of the certificate of insurance (‘cooling-off period’) and we will provide a full refund",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=14",
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    },
    "pds_effective_date": {
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     "quote": "Effective from 7 November 2023",
     "evidence": {
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      "document": "pds",
      "content_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
      "first_seen_at": "2026-10-05T14:51:17Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "Effective from 7 November 2023",
      "url": "https://www.zoomtravelinsurance.com.au/assets/upload/pds/Zoom-AU-Standard-PDS_20231107.pdf#page=1",
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     }
    },
    "tmd_effective_date": {
     "effective_date": "2026-03-04",
     "quote": "Effective Date: 04 March 2026 WHAT IS A TARGET MARKET DETERMINATION A Target Market Determination (TMD) is a document which describes who a product is suitable for, who it is not suitable for and any conditions around how the product can be distributed to customers",
     "evidence": {
      "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf",
      "http_status": 200,
      "document": "tmd",
      "content_sha256": "c223786ef1d79b80ef9eb44c79d4b8ad7d0e5f75594ee775fdf410cc06967056",
      "first_seen_at": "2026-10-05T14:51:18Z",
      "rule": "effective_date.declared",
      "stale": false
     },
     "citation": {
      "quote": "Effective Date: 04 March 2026 WHAT IS A TARGET MARKET DETERMINATION A Target Market Determination (TMD) is a document which describes who a product is suitable for, who it is not suitable for and any conditions around how the product can be distributed to customers",
      "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf#page=1",
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    },
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     "quote": "We will review this TMD within 12 months of its first publication to ensure it remains appropriate and every year after the first review",
     "evidence": {
      "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf",
      "http_status": 200,
      "document": "tmd",
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      "first_seen_at": "2026-10-05T14:51:18Z",
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     },
     "citation": {
      "quote": "We will review this TMD within 12 months of its first publication to ensure it remains appropriate and every year after the first review",
      "url": "https://www.zoomtravelinsurance.com.au/assets/Zoom-AU-TMD_20260304.pdf#page=10",
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    }
   },
   "checks": {
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     "document": "pds"
    },
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     "outcome": "stated",
     "document": "pds"
    },
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     "outcome": "stated",
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    },
    "age_limit": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no age limit",
     "document": "pds"
    },
    "overseas_medical": {
     "outcome": "not_stated",
     "reason": "the pds was read in full and states no overseas medical",
     "document": "pds"
    },
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     "outcome": "not_stated",
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     "document": "tmd"
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   },
   "issuer_agreement": {
    "outcome": "agree",
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    "citations": [
     {
      "quote": "Your policy is underwritten by HDI Global Speciality SE - Australia (ABN 58 129 395 544, AFSL458776) (the insurer)",
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   },
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    {
     "plan_slug": "plan-b-standard-adult",
     "plan": "PLAN B STANDARD ADULT",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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     "plan": "PLAN C COMPREHENSIVE ADULT",
     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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    {
     "plan_slug": "plan-d-domestic-adult",
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     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
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     "automatically_covered": null
    },
    {
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     "product": "All plans",
     "treatment": "if_approved",
     "in_words": "only if approved",
     "labels": [
      "pre-existing-if-approved"
     ],
     "line": "Pre-existing medical conditions are not covered unless you declare them and the insurer agrees in writing, which may cost extra.",
     "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from",
     "written_against_sha256": "e3ea3a4380e8d109af9042dfd739210414d7dd9d23fb6d5d40e7a7cb1d54492b",
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 ],
 "pre_existing_conditions": {
  "what_it_is": "Each plan's treatment of pre-existing medical conditions, under brands[].pre_existing_conditions, one entry per plan. Read from the labels each plan is given by hand from its PDS (plan-conditions.json); a plan with no pre-existing label is not_stated, never not covered.",
  "treatments": {
   "some_named_automatically_others_if_approved": "some named conditions automatically; others if approved",
   "some_named_automatically": "some named conditions automatically",
   "if_approved": "only if approved",
   "not_covered": "not covered",
   "not_stated": "no pre-existing label",
   "not_labelled": "no pre-existing label"
  },
  "counts": {
   "plans": 51,
   "plans_labelled": 45,
   "brands": 12,
   "plans_by_treatment": {
    "if_approved": 23,
    "not_covered": 2,
    "not_labelled": 6,
    "some_named_automatically": 1,
    "some_named_automatically_others_if_approved": 19
   },
   "brands_with_some_named_conditions_automatic": [
    "Australia Post Travel Insurance",
    "Budget Direct Travel Insurance",
    "Cover-More",
    "Medibank Travel Insurance",
    "RACV Travel Insurance",
    "Webjet Travel Insurance"
   ],
   "plans_with_some_named_conditions_automatic": 20,
   "plans_with_the_list_read": 20,
   "brands_with_the_list_read": [
    "Australia Post Travel Insurance",
    "Budget Direct Travel Insurance",
    "Cover-More",
    "Medibank Travel Insurance",
    "RACV Travel Insurance",
    "Webjet Travel Insurance"
   ]
  },
  "conditions_covered_automatically": "Listed in each PDS. Where the list has been read, it is brands[].automatically_covered_conditions: every condition with its own criteria, the criteria for every condition, who the list applies to and what happens to any other condition, each quoted exactly with its citation. Elsewhere it is in the PDS linked as automatically_covered.pds_url, and conditions is null."
 }
}