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									                                                                           Your Commonwealth Bank



                                                                           Gold
                                                                           Credit Card
                                                                           and
                                                                           Platinum
                                                                           Credit Card
                                                                           Complimentary Insurance and
                                                                           Guaranteed Pricing Cover
                                                                           For purchases on or after
                                                                           1 October 2005.
                                          Gold and Platinum Credit Cards




         Visit our web site at
         commbank.com.au


ADB631   Commonwealth Bank of Australia
011005   ABN 48 123 123 124
Contents
Important information about all the
covers in this booklet                       2

Transit Accident Insurance                   6

Important information about the
covers provided by Zurich
Australian Insurance Limited                14
Definitions and interpretations             14
Excess – what you contribute to a claim     21
Repairing or replacing damaged
property/personal goods                     21
Safety of your belongings                   22
Reporting lost, stolen or wilfully
damaged items                               23
Policy exclusions – what is not covered     23
Claims procedures                           26

International Travel Insurance              29

Purchase Security Insurance                 53

Extended Warranty Insurance                 54

Interstate Flight Inconvenience Insurance   56
(only available to Platinum Cardholders)

Guaranteed Pricing Scheme                   59
(only available to Platinum Cardholders)




                                                 1
    Important information about all                               Zurich Australian Insurance Limited,
                                                                  ABN 13 000 296 640, AFS Licence No. 232507, of
    the covers in this booklet                                    5 Blue Street, North Sydney, NSW 2060 (‘Zurich’), is
    This booklet contains your Commonwealth Bank                  the product issuer of the following covers included in
    Gold Card and Platinum Card Complimentary                     this booklet:
    Insurance Policies, for purchases made on or after
                                                                  ■ International Travel Insurance
    1 October 2005.
                                                                  ■ Purchase Security Insurance
    The covers in this booklet are only available to you if you
                                                                  ■ Extended Warranty Insurance
    have a Commonwealth Bank Gold or Platinum Credit
                                                                  ■ Interstate Flight Inconvenience Insurance
    Card. This excludes all Commonwealth Bank Business
                                                                  ■ Guaranteed Pricing Scheme.
    Card Options (including MasterCard BusinessCard,
    Mobil and Dulux TradeCard).                                   For claims and/or general enquiries call 132 687,
                                                                  8.00 am-5.00pm (Sydney time), Monday to Friday.
    These covers are automatically available but you are
                                                                  However, if you require personal advice, please
    not obliged to accept any of them. However, if you
                                                                  see your general insurance adviser.
    want to make a claim under any of these policies, you
    will be bound by the Definitions, Terms and Conditions,       ACE Insurance Ltd, ABN 23 001 642 020,
    Exclusions and Claims Procedures of the policy. Therefore,    AFS Licence No. 239687, of 28-34 O’Connell Street,
    please read this document carefully and keep it in a safe     Sydney, NSW 2000 (‘ACE’) is the product issuer of
    place and if you require personal advice about these          the Transit Accident Insurance included in this booklet.
    policies please see your insurance adviser. Please also       For general enquiries call 1800 815 675, Monday to
    keep detailed particulars and proof of any loss including     Friday, 8.30am-4.45pm.
    the sales receipt and eligible credit card account
    statement showing any purchases.                              Privacy
                                                                  The insurers do not hold or collect information about
    The product issuers                                           you until you make an application to cover a pre-existing
    The Commonwealth Bank is not the product issuer               medical condition or a claim is made. The insurers will,
    of these covers and neither it, nor any of its related        however, need personal information to assess any claim
    corporations, guarantee or are liable to pay any of the       or pre-existing medical condition application and will, in
    benefits under these covers. These covers are provided        relevant cases, disclose personal information (other than
    at no additional cost to you and the Commonwealth             sensitive information such as health information) to the
    Bank does not receive any commission or remuneration          Commonwealth Bank, their service providers and
    in relation to them. Neither the Commonwealth Bank            business partners.
    nor any of its related corporations are Authorised            Where relevant to assess a pre-existing medical
    Representatives of the insurers named in the policies         condition, application or claim, the insurers may also
    or any of their related companies.                            disclose personal information including sensitive
                                                                  information, such as health information, to medical
                                                                  practitioners, other health professionals, reinsurers
                                                                  and legal representatives.
2                                                                                                                              3
    The insurers may also disclose personal information (other          decision, however, the insurers are bound to act
    than sensitive information such as health information) to           immediately on the Insurance Ombudsman Service’s
    the Commonwealth Bank in order to allow the bank to                 decision.
    monitor the claims service they provide and to ensure               Contact details for the Insurance Ombudsman Service
    you are eligible for the cover.                                     Limited are as follows:
    If you do not provide the requested information,                    Telephone 1300 780 808
    the assessment of a pre-existing medical condition                  Email IOS@insuranceombudsman.com.au
    application can not be considered or a claim may
    be delayed or the insurers may not accept a claim.
                                                                        You must assist the insurers
    In most cases we will give you access to your personal              ■ As far as is allowed by law, you must assist the
    information on request.                                               insurers to use any of the legal rights you have
                                                                          against a person to recover the amount they may
    Termination of these insurance covers                                 pay you for a claim (e.g. if someone else has
    The Commonwealth Bank may terminate the covers                        caused the damage you claim for, the insurer can
    included in this booklet by giving written notification               take that person to court and sue him or her for
    to the primary cardholders. Purchases made before                     damages in your name).
    expiry of this notification will still be eligible for the cover.   ■ When making a claim you must advise the insurer
    Purchases made after expiry of this notification will not             of the details of any other insurance under which
    be eligible for the cover.                                            you are entitled to claim.

    Insurance Code of Practice
    The insurers are members of the Insurance Council of
    Australia Limited and subscribe to the General Insurance
    Code of Practice, which sets out standards of best
    practice. Therefore, if you are unhappy with any service
    issue or the settlement of a claim, you may have the
    matter referred to the appropriate insurer’s internal
    dispute resolution committee. This committee consists
    of senior managers who will review the decision.
    If you still disagree with the final decision of either
    insurer in regard to a service matter or an insurance
    claim, you can ask the Insurance Ombudsman Service
    Limited ABN 23 062 284 888 (within its terms of
    reference), to review the insurer’s decision. This is a free
    service provided by an independent organisation. You
    are not bound by the Insurance Ombudsman Service



4                                                                                                                             5
    Transit Accident Insurance                                    ‘accident’ means any sudden and unexpected physical
                                                                  force, which occurs on a trip and causes an injury that
    This cover is available under Master Policy
                                                                  is described in the ‘Schedule of Benefits’.
    No. 01PI 524 881 issued to Commonwealth Bank
    of Australia, ABN 48 123 123 124 of Level 1,                  ‘cardholder’ means an Australian resident, to whom
    48 Martin Place, Sydney, NSW 2000 (‘Commonwealth              the Commonwealth Bank has issued an eligible
    Bank’) by ACE Insurance Ltd, ABN 23 001 642 020,              credit card.
    AFS Licence No. 239687, of 28-34 O’Connell Street,            During the period of insurance only one person is
    Sydney, NSW 2000 (‘ACE’).                                     eligible to claim the benefits payable to a cardholder,
    Transit accident insurance is a benefit offered to eligible   and other persons covered under this Policy would only
    Commonwealth Bank cardholders. This insurance                 be eligible to claim as a spouse or dependent child.
    provides certain accidental death and injury insurance        ‘Companion Airfare Deal’ means a travel offer
    for cardholders who sustain an injury while riding as a       available from time to time through the Commonwealth
    passenger in (not as a pilot, driver or crew member), or      Bank, where a second travel ticket is issued to a travel
    boarding or alighting a plane, tourist bus, train or ferry    companion for a reduced or discounted price in
    as outlined in this Policy.                                   accordance with specified terms and conditions.
    In certain circumstances the benefits also extend             ‘conveyance’ means an aircraft, vehicle, train, vessel
    to the cardholder’s spouse, dependent children and            or other form of public transportation, that is licensed
    travel companion, provided they are travelling with the       to carry fare-paying passengers as a regular passenger
    cardholder.                                                   service, operating over established routes at scheduled
                                                                  departure and arrival times. Taxis and/or hire vehicles
    The insurance provided, however, does not include
                                                                  are also included.
    benefits as prescribed under the Insurance Contract
    Act 1984 and is only available when, before the trip          ‘dependent child/children’ means:
    commenced, the cost of the trip was charged to                ■ all unmarried children of a cardholder from the age of
    the cardholder’s eligible credit card account.                  0 to the age of 19 who live with the cardholder; and
                                                                  ■ unmarried children of a cardholder from the age
    Definitions                                                     of 19 to the age of 25, who are full-time students
    For the purposes of this cover:                                 attending an accredited institution of higher learning
                                                                    in Australia, and are dependent upon the cardholder
    ‘act of terrorism’ means an act, including but not
                                                                    for their maintenance and support, and always live
    limited to, the use of force or violence and/or the threat
                                                                    with the cardholder, or live with the cardholder
    thereof, of any person or group(s) of persons, whether
                                                                    when they are not attending the accredited
    acting alone or on behalf of or in connection with any
                                                                    institution of higher learning.
    organisation(s) or government(s), which from its nature
    or context is done for, or in connection with, political,     ‘eligible credit card’ means a current and valid
    religious, ideological or similar purposes or reasons,        Commonwealth Bank Visa Gold card, Commonwealth
    including the intention to influence any government           Bank Gold MasterCard, Commonwealth Bank Platinum
    and/or to put the public, or any section of the public,       MasterCard or Commonwealth Bank Visa Platinum card
    in fear.                                                      issued for eligible credit card accounts.
6                                                                                                                            7
    ‘eligible credit card account’ means a current and valid      conveyance authorised pursuant to any statute,
    Commonwealth Bank Visa Gold card, Commonwealth                regulation, by-law or the equivalent thereof for the
    Bank Gold MasterCard, Commonwealth Bank Platinum              transportation of passengers for hire, provided that
    MasterCard or Commonwealth Bank Visa Platinum card            before the journey commenced the cost of the
    credit facility. This excludes all Commonwealth Bank          journey was charged to the cardholder’s eligible
    Business Card Options (including MasterCard                   credit card account; and
    BusinessCard, Mobil and Dulux TradeCard).                  ■ a journey by the spouse and/or dependent child

    ‘injury’ means loss of life or bodily injury (but not an      as paying passengers (not as a pilot, driver, or crew
    illness or sickness):                                         member etc.) in a licensed plane, tourist bus, train,
                                                                  ferry or other conveyance authorised pursuant to
    ■ caused by an accident whilst this Policy is in force;       any statute, regulation, by-law or the equivalent
       and                                                        thereof for the transportation of passengers for hire,
    ■ resulting independently of any other cause.                 provided that before the journey commenced the
    Furthermore, injury as used with reference to hand or         cost of the journey was charged to the cardholder’s
    foot means complete severance through or above the            eligible credit card account and they are
    wrist or ankle joint and, as used with reference to eye,      accompanying the cardholder who is on a trip.
    means irrecoverable loss of the entire sight thereof.      ‘use of the cardholder’s eligible credit card’ means
    ‘Instant Travel Reward’ means a 17-digit number            that at least 90% of the total value (i.e. including but not
    that entitles the bearer to purchases at nominated         limited to money and/or points) of the travel ticket (but not
    travel agents in accordance with specified terms           departure taxes) was paid for by one, or a combination
    and conditions.                                            of the following methods prior to leaving Australia:

    ‘spouse’ means a married or de facto spouse/partner        ■ by being charged to a cardholder’s eligible credit

    of the cardholder who is permanently living with the          card account; or
    cardholder at the time the trip starts. We may ask for     ■ by a Travel Giftcard or Instant Travel Reward,

    proof of this relationship.                                   provided this occurs within 12 months following
                                                                  the cardholder redeeming their Commonwealth
    ‘travel companion’ means a person who has been                Award points for a Travel Giftcard or an Instant
    given a Commonwealth Bank Companion Airfare                   Travel Reward.
    Deal overseas return travel ticket (i.e. ticket from and
    returning to Australia). The travel companion will be      Terms and conditions
    eligible for spouse benefits.
                                                               The benefits listed under the Schedule of Benefits will
    ‘Travel Giftcard’ means a voucher which entitles the       be paid if the cardholder, spouse or dependent child
    bearer to purchases at nominated travel agents in          suffer a loss as a result of an injury suffered under the
    accordance with specified terms and conditions.            circumstances specified in points 1, 2, 3 or 4 as follows:
    ‘trip’ means:                                              1. The injury is sustained on a trip while riding as a
    ■ a journey by the cardholder as a paying passenger           passenger or boarding or alighting the plane, tourist
       (not as a pilot, driver, or crew member etc.) in a         bus, train, ferry or other conveyance.
       licensed plane, tourist bus, train, ferry or other
8                                                                                                                              9
 2. The injury is sustained while riding as a passenger in    ■ any act of terrorism;
    (not as a pilot, driver or crew member), or boarding,     ■ radioactive contamination;
    or alighting from a licensed taxi, bus, hire vehicle or   ■ consequential loss or damage, punitive damages;
    other conveyance authorised pursuant to any               ■ travel purchased prior to the effective date noted on
    statute, regulation, by-law or the equivalent thereof        page 2 of this booklet; or
    for the transportation of passengers for hire, provided
                                                              ■ injury intentionally caused by, or the illegal or criminal
    the cardholder, spouse or dependent child are
                                                                 act of:
    travelling directly to or from an airport, tourist bus
                                                                 – the cardholder; or
    depot, railway station or dock, immediately preceding
                                                                 – a person acting on the cardholder’s behalf; or
    or following the scheduled trip.
                                                                 – the cardholder’s designated beneficiary,
 3. When, by reason of an accident specified in 1 or 2
                                                                   executor(s) or administrator(s) or legal heirs or
    above, a cardholder, spouse or dependent child
                                                                   personal legal representative(s).
    is unavoidably exposed to the elements and, as a
    result of such exposure, suffers an injury for which      Schedule of benefits
    indemnity is otherwise payable hereunder, the loss
                                                              When an accident results in any of the following injuries
    shall be covered under the terms of this Policy.
                                                              within 1 year after the date of the accident, ACE will
 4. If the body of the cardholder, spouse or dependent        pay the amount shown opposite the said injury.
    child has not been found within one year of the date
    of his/her disappearance arising out of an accident       If more than 1 injury results from 1 accident, only the
    which would give rise to a loss as specified in 1, 2      benefit amount for the greater injury will be paid.
    or 3 above, it will be presumed that the cardholder,      Benefit                             Gold cardholders
    spouse or dependent child suffered loss of life as a
                                                                                         Cardholder    Spouse       Child
    result of bodily injury caused by the accident at the
    time of his/her disappearance.                            Loss of life                $250,000 $100,000 $50,000

 5. A benefit payable under this Policy will be paid to the   Both hands or both feet     $250,000 $100,000 $50,000
    injured cardholder or injured spouse or, in the event
                                                              One hand and one foot       $250,000 $100,000 $50,000
    of their death the benefit will be paid to their legal
    representative(s). In the event of an injury to a         Entire sight of             $250,000 $100,000 $50,000
    dependent child the benefit will be paid to               both eyes
    the cardholder.                                           Entire sight of one eye     $250,000 $100,000 $50,000
                                                              and one hand or one foot
 Exclusions
                                                              One hand or one foot        $125,000     $75,000 $35,000
 This Policy does not cover any loss, fatal or non-fatal,
 caused by or resulting from:                                 Entire sight of one eye     $125,000     $75,000 $35,000

 ■ suicide or self-destruction, or any attempt at suicide
     or self-destruction, while sane or insane;
 ■ a hijack or war or war-like hostilities;

10                                                                                                                          11
 Benefit                            Platinum cardholders               In the event of any claim being based on the death
                                                                       of a person ACE may require that a post-mortem
                            Cardholder     Spouse         Child
                                                                       examination be conducted at its own expense; and
 Loss of life               $1,000,000 $150,000 $100,000
                                                                    ■ give to ACE all necessary information and
 Both hands or both feet      $500,000 $150,000 $100,000               assistance it may reasonably require to institute
                                                                       proceedings against other parties for the purpose
 One hand and one foot        $500,000 $150,000 $100,000
                                                                       of enforcing any rights or remedies to which it shall
 Entire sight of              $500,000 $150,000 $100,000               or would become entitled or subrogated upon it
 both eyes                                                             making payment or making good any loss or
 Entire sight of one eye      $500,000 $150,000 $100,000               damage under this Policy.
 and one hand or one foot                                         2. ACE does not hold or collect information about
 One hand or one foot         $250,000 $100,000      $75,000         cardholders until a claim is made. ACE will,
                                                                     however, need personal information about the
 Entire sight of one eye      $250,000 $100,000      $75,000         cardholder to assess any claim. ACE will, in relevant
                                                                     cases, disclose the personal information (other than
 Claims procedures                                                   sensitive information) to the Commonwealth Bank,
 Please do not contact the Commonwealth Bank                         ACE’s service providers and business partners.
 in the event of a claim, as they are not involved in               Where relevant to assess the claim, ACE will also
 processing insurance claims.                                       disclose personal information including sensitive
 1. In the event of learning of an occurrence likely to             information such as health information to medical
    result in a claim being made, the cardholder (or their          practitioners, other health professionals, reinsurers
    legal representative) must:                                     and legal representatives.

     ■ contact ACE on 1800 027 240 within 30 days                   ACE may also disclose personal information to the
       of learning of the occurrence likely to result in            Commonwealth Bank (other than sensitive
       a claim. A written loss report may be required               information such as health information) in order to
       (forms provided by ACE) and if so, should be                 allow the Commonwealth Bank to monitor the claims
       returned within 30 days of the claimant receiving            service that ACE provides and to ensure persons are
       the loss report form;                                        eligible for this insurance.
       (Note: Failure to report an event likely to result           If the cardholder does not provide the requested
       in a claim or to fully complete and return to                information, the assessment of the claim may be
       ACE the loss report (if required) within the times           delayed or ACE may not accept the claim. In most
       stated above may result in denial of the claim.)             cases, ACE will give the cardholder access to their
     ■ at his or her expense, furnish all certificates,             personal information on request.
       information and evidence reasonably required by
       ACE and they should be in such a form and of
       such a nature as ACE may reasonably prescribe.


12                                                                                                                           13
 Important information about                                  ‘Australian warranty’ means the manufacturer’s
                                                              expressed written warranty, that is applicable and able
 the covers provided by Zurich                                to be fulfilled within Australia and which has been
 Australian Insurance Limited                                 properly registered with the manufacturer.
 Zurich is responsible for the following covers
                                                              ‘bed care patient’ means that as a result of accidental
 contained in this booklet and this information applies to
                                                              injury or illness during the journey, you are confined to an
 all these covers:
                                                              overseas hospital bed for a continuous period of not less
 ■ International Travel Insurance                             than 24 hours. Your confinement must be certified as
 ■ Purchase Security Insurance                                necessary by a legally qualified and registered medical
 ■ Extended Warranty Insurance                                practitioner and you must be under the continuous care
 ■ Interstate Flight Inconvenience Insurance                  of a registered nurse (other than yourself or a member of
 ■ Guaranteed Pricing Scheme.                                 your family). Bed care does not cover you as a patient in
                                                              any institution used primarily as a nursing or convalescent
 These covers are available under Master Policy               home, a place of rest, a geriatric ward, a mental institution,
 2OCBA0001 CCI issued to Commonwealth Bank                    a rehabilitation or external care facility or a place for the
 of Australia, ABN 48 123 123 124 of Level 1,                 care or treatment of alcoholics or drug addicts.
 48 Martin Place, Sydney, NSW 2000 (‘Commonwealth
 Bank’) by Zurich Australian Insurance Limited,               ‘cardholder’ means a person, being a permanent
 ABN 13 000 296 640, (AFSL 232507), of 5 Blue Street,         Australian resident, whom Commonwealth Bank
 North Sydney, NSW 2060 (‘Zurich’).                           has issued with an eligible credit card. This includes
                                                              additional cardholders. If a family are travelling together,
 Definitions and interpretations                              only one person can claim the benefits payable to the
                                                              cardholder. The others can only claim as a spouse or
 The following key words have special meanings in
                                                              dependent child.
 the Zurich covers included in this booklet and are
 highlighted in bold.                                         ‘Companion Airfare Deal’ means a travel offer
                                                              available from time to time through the Commonwealth
 ‘act of terrorism’ means an act, including, but not
                                                              Bank, where a second travel ticket is issued to another
 limited to, the use of force or violence and/or the threat
                                                              person for a reduced or discounted price in accordance
 thereof, of any person or group(s) of persons, whether
                                                              with specified terms and conditions.
 acting alone or on behalf of or in connection with any
                                                              ‘covered breakdown’ means the failure of personal
 organisation(s) or government(s), which from its nature
                                                              goods to operate for the purpose for which they were
 or context is done for, or in connection with, political,
                                                              designed as a result of a breakdown or defect, provided
 religious, ideological or similar purposes or reasons,
                                                              the breakdown or defect is covered by the terms of the
 including the intention to influence any government and/or
                                                              Australian warranty.
 to put the public, or any section of the public, in fear.
                                                              ‘dependent child/children’ means:
 ‘Australia’ means the area enclosed by the territorial
                                                              ■ all unmarried children of a cardholder, to and
 waters of the Commonwealth of Australia where
 Medicare benefits are payable and ‘Australian’ has              including the age of 18, who live with the
 a corresponding meaning.                                        cardholder; and
14                                                                                                                             15
 ■ unmarried children of a cardholder from the age of         ■ once you leave your home, if you travel directly
     19, to and including the age of 21, who are full-time       from your home in Australia to the Australian air
     students attending an accredited institution of higher      or sea terminal that is the departure point for your
     learning in Australia, and are dependent upon the           overseas trip.
     cardholder for their maintenance and support and
                                                              The journey ends when the first of the following occurs:
     always live with the cardholder, or live with the
     cardholder when they are not attending the               If you have a return overseas travel ticket:
     accredited institution of higher learning.               ■ at midnight on the date when your scheduled
 ‘eligible credit card’, unless otherwise specified,             transport (as shown on your return overseas travel
 means a current and valid Commonwealth Bank Visa                ticket) is due to arrive in Australia; or
 Gold card, Commonwealth Bank Gold MasterCard,                ■ when you return to Australia;
 Commonwealth Bank Platinum MasterCard or                     ■ 3 months (12 months for Platinum cardholders)
 Commonwealth Bank Visa Platinum card issued for                 after the date of departure shown on your return
 eligible credit card accounts.                                  overseas travel tickets; or
 ‘eligible credit card account’, unless otherwise             ■ when you cancel your return ticket.

 specified, means a current and valid Commonwealth            If you have a one way overseas travel ticket:
 Bank Visa Gold card, Commonwealth Bank Gold
                                                              ■ when you return to Australia; or
 MasterCard, Commonwealth Bank Platinum MasterCard
                                                              ■ 30 days after the date of departure shown on your
 or Commonwealth Bank Visa Platinum card credit
                                                                 overseas travel ticket.
 facility. This excludes all Commonwealth Bank Business
 Card Options (including MasterCard BusinessCard,             ‘overseas’ means outside Australia.
 Mobil and Dulux TradeCard).
                                                              ‘overseas travel ticket’ means either:
 ‘Instant Travel Reward’ means a 17-digit number
                                                              ■ a one way ticket from Australia; or
 that entitles the bearer to purchases at nominated
                                                              ■ a return ticket from and returning to Australia, where
 travel agents in accordance with specified terms
 and conditions.                                                 the return date is no more than 3 months (12 months
                                                                 for Platinum cardholders) after departure.
 ‘interstate flight’ means a flight on a registered
 passenger airline (but not charter trips) from Tasmania      ‘period of insurance’
 to any mainland Australian state or territory, or from       ■ for benefit 6 ‘Cancellation of travel arrangements’
 any mainland Australian state or territory to another           you have made, this means the period commencing
 mainland Australian state or territory, or to Tasmania.         once your overseas travel ticket has been obtained
 ‘journey’                                                       by use of the cardholder’s eligible credit card and
                                                                 ending at the end of the journey; and
 The journey starts:
                                                              ■ for all other covers in this booklet, period of
 ■ on the departure date shown on your overseas                  insurance means the period of the journey. If
     travel ticket (or domestic air ticket for Interstate        however you have a return overseas travel ticket
     Flight Inconvenience Insurance); or                         and your return to Australia is delayed because

16                                                                                                                       17
     of an event covered by this Policy, or because your           which you are aware of or for which investigation,
     scheduled transport is delayed for reasons beyond             treatment or advice has been received, or medication
     your control, the period of insurance will                    prescribed or taken at any time before your
     automatically be extended for up to 4 weeks or until          overseas travel or interstate flight was booked;
     you return to Australia, whichever occurs first.           ■ any medical condition, including but not limited to

 ‘personal good’, ‘personal goods’ includes all new                mental disorder, anxiety, alcoholism, drug addiction
 personal property acquired for personal domestic or               or pregnancy and/or any physical, medical or dental
 household use, but does not include:                              condition which you become aware of or for which
                                                                   investigation, treatment or advice is received, or
 ■ items acquired for the purpose of re-supply/re-sale;            medication prescribed or taken after you booked
 ■ items acquired for transformation in a business;                your overseas travel or interstate flight, but prior to
 ■ business owned or business related items;                       the commencement of your overseas travel or
 ■ animals or plant life;                                          interstate flight; and
 ■ computer software or non-tangible items;                     ■ any complication arising from any such condition
 ■ cash, bullion, negotiable instruments, trading cards,           outlined above, except that unexpected/unforeseen
     lottery tickets or other gambling related items, tickets      events relating to pregnancy are not regarded as
     of any description, travellers cheques, or collections        pre-existing medical conditions.
     such as stamps, coins and cards;                           ‘reasonable’ means:
 ■ consumable or perishable items (including but not
                                                                ■ for medical and hospital expenses, the care obtained
     limited to food, drugs, fuel or oil);
                                                                   should be at the standard level given in the country
 ■ boats, automobiles, motorboats, airplanes or any
                                                                   you are in and not exceed the level you would
     other motorised vehicles and their integral parts
                                                                   normally receive in Australia; and
     and installed accessories;
                                                                ■ for all other expenses, such as unexpected travel
 ■ second-hand items, including antiques;
                                                                   and accommodation, the standard must not exceed
 ■ items of contraband; or                                         the average standard of travel and accommodation
 ■ real estate and movable fixtures or fittings                    you booked for the rest of your journey.
     (including but not limited to dish washers and fixed
                                                                ‘relative’ means a permanent Australian resident living
     air conditioners) which are, or are intended to form
                                                                in Australia, who is the cardholder’s:
     part of any home or real estate.
                                                                ■ spouse;
 ‘pre-existing medical condition’ is relevant to the
                                                                ■ parent, parent-in-law, step-parent, guardian;
 cardholder, any relative, travel companion or any
                                                                ■ grandparent;
 other person that may give cause for you to claim
 and means:                                                     ■ child, grandchild, stepchild;
                                                                ■ brother, brother-in-law, sister, sister-in-law;
 ■ any medical condition, including but not limited to
                                                                ■ daughter, daughter-in-law, son, son-in-law;
     mental disorder, anxiety, alcoholism, drug addiction
                                                                ■ fiancé, fiancée;
     or pregnancy and/or any chronic or ongoing
                                                                ■ uncle, aunt;
     physical, medical or dental condition,

18                                                                                                                           19
 ■ half-brother, half-sister; or                                ■ a permanent Australian resident who has been
 ■ niece, nephew.                                                  given a Companion Airfare Deal return overseas
                                                                   travel ticket.
 ‘rental vehicle’ means a rented sedan and/or station
 wagon (but does not include any other style of vehicle)        Excess – what you contribute to a claim
 rented from a licensed motor vehicle rental company.
                                                                Excesses may apply to certain sections of cover.
 ‘spouse’ means a married or de facto spouse/partner            An excess is not an additional fee, charged by us at
 of the cardholder who is permanently living with the           the time of making a claim. Rather, it is the uninsured
 cardholder at the time the journey starts. We may              first portion of a loss for which you are otherwise
 ask for proof of this relationship.                            covered, i.e. the amount that you must contribute
                                                                towards each claim. Details of the excess amounts
 ‘travel companion’ means a person whom, before
                                                                and circumstances in which they will be applied are
 the journey began, arranged to accompany you from
                                                                set out below:
 Australia and then on your journey for at least 50%
 of the time of your journey.                                   ■ International Travel Insurance – You must pay the first
                                                                  A$200 for each claim made under benefits 1 to 7 of
 ‘Travel Giftcard’ means a voucher which entitles the             ‘Part C’. However, under benefit 2 ‘Loss or damage
 bearer to purchases at nominated travel agents in                to personal items’ there is no excess payable for the
 accordance with specified terms and conditions.                  replacement of your travel documents, credit cards,
 ‘use of the cardholder’s eligible credit card’ means             and travellers cheques, and the emergency
 that at least 90% of the total value (i.e. including but         replacement of your clothes and toiletries. Also if you
 not limited to money and/or points) of the overseas              make more than one claim as the result of a single
 travel ticket (but not taxes or airport or travel agent          event, the excess only applies once.
 charges) was paid for by one, or a combination, of the         ■ Purchase Protection Insurance – You must pay the
 following methods prior to leaving Australia:                     first A$75 for each claim.
                                                                ■ Extended Warranty Insurance – You must pay the
 ■ by being charged to a cardholder’s eligible credit
                                                                   first A$75 for each claim.
     card account; or
                                                                ■ Interstate Flight Inconvenience Insurance – You must
 ■ by a Travel Giftcard or Instant Travel Reward,
                                                                   pay the first A$200 for each claim made under
     provided this occurs within 12 months following
                                                                   benefits 2 and 4.
     the cardholder redeeming their Commonwealth
     Award points for a Travel Giftcard or an Instant
                                                                Repairing or replacing damaged
     Travel Reward.
                                                                property/personal goods
 ‘we’, ‘us’, ‘our’ means Zurich Australian Insurance Limited.
                                                                If an item is damaged, lost or stolen we may choose to:
 ‘you’, ‘your’ means any of the following if they are           ■ repair the item;
 eligible for the cover:
                                                                ■ replace the item, taking into account its age and
 ■ the cardholder;                                                 condition (i.e. less depreciation); or
 ■ the cardholder’s spouse and/or dependent                     ■ pay you the amount it would cost us to replace the
     children; and                                                 item as depreciated.

20                                                                                                                        21
 If you bought the item duty free or overseas the            Reporting lost, stolen or wilfully
 amount you paid for the item will be the maximum            damaged items
 amount paid by us.
                                                             In the event that your property/personal goods are
 Where the item is part of a pair or set, you will receive   stolen, wilfully damaged or accidentally lost, you must
 no more than the value of the particular part or parts      make a report to the police or to the nearest government
 lost, stolen or damaged, regardless of any special value    agency or authority. You must do this within 24 hours
 that the item may have by way of being part of such         of learning of the theft, loss or damage and the report
 pair or set.                                                must list and describe the missing or damaged
                                                             items/personal goods.
 Safety of your belongings
                                                             If the loss or wilful damage occurs overseas a copy
 You must take all adequate and reasonable precautions
                                                             of this report must be obtained and the authority must
 (considering the value of the items) to protect your
                                                             sign the copy and write on it that it is a true and
 property/personal goods and you are not covered if
                                                             accurate copy of the original.
 you do not take these precautions (considering the value
 of the items) to protect your property/personal goods.      Policy exclusions – what is not covered
 There is no theft or loss cover at any time, under any      In any insurance policy there are situations that are
 insurances for jewellery, watches, cameras, laptops,        not covered (i.e. exclusions). Whilst we try to extend
 mobile phones, electrical items or cash in a motor          our cover to most situations, we are not able to insure
 vehicle or in baggage unless directly under your            some situations because of the costs or types of
 personal supervision or that of your travel companion.      events involved.
 Also property/personal goods are not covered under          The following exclusions apply to all the covers in this
 any of the insurances if they are left:                     booklet provided by us. As well as these exclusions,
 ■ unattended in a public place; or                          there are also specific exclusions included in the
 ■ in an unlocked car; or                                    International Travel Insurance Policy.
 ■ in an unattended car overnight; or                        ■ We do not insure you for any event that is caused
 ■ left with a person who steals or deliberately                by, or arises as a result of, any pre-existing medical
     damages them.                                              condition of yours, a relative, travel companion
                                                                or any other person that may give cause for you
 A ‘public place’ includes, but is not limited to shops,
                                                                to claim, unless it is specifically covered in the
 airports, bus depots, streets, hotel foyer (and hallways
                                                                International Travel Insurance Policy or we have given
 and grounds), restaurants, beaches, public toilets,
                                                                prior written approval to cover your pre-existing
 unlocked hostel and hotel rooms and any place which
                                                                medical condition and you have paid the
 is accessible to the public.
                                                                administration fee.
 ‘Unattended’ means but it is not limited to, not with
                                                             ■ We do not insure you for any expenses that arise
 either you or your travel companion; or in a position
                                                                due to the normal development and consequences
 where it can be taken without you or your travel
                                                                of pregnancy, including but not limited to regular or
 companion knowing or being able to prevent it from
                                                                routine medical consultations and tests (such as
 being taken or damaged.
                                                                ultrasounds) and the childbirth itself. Unless the
22                                                                                                                      23
     expenses arise as an unforeseen consequence of        ■ We do not insure you for any event that is caused
     the pregnancy or childbirth and which otherwise         by or arises from:
     would be covered.                                       – any war, whether it has been formally declared or
 ■ We do not insure you for any travel that:                   not, any hostilities, rebellion or revolution;
     – you book or take against medical advice;              – any person, organisation, government or government
     – you take for the purpose of getting medical             authority who lawfully destroys or removes your
       treatment or advice; or                                 ownership or control of any property/goods;
     – you take after a qualified and registered member      – any government prohibition or restrictions or
       of the medical profession informs you that you          government authorities delaying you or seizing or
       are terminally ill.                                     keeping your belongings;
 ■ We will not pay for loss or damage to:
                                                             – radioactivity, or the use, existence or escape of
                                                               any nuclear fuel, nuclear material or nuclear waste;
     – any item that you post or otherwise pay to
                                                             – any act of terrorism;
       be transported, and that is not part of your
       accompanying baggage;                                 – disappearance of the property/personal goods
                                                               in circumstances which cannot be explained to
     – any item that is brittle or fragile (except
                                                               our reasonable satisfaction;
       photographic or video equipment), unless the
       loss or damage is caused by thieves, burglars,        – illegal activities, fraud or abuse;
       fire, or an accident involving the means of           – consequential loss or damage, punitive damages
       transport in which you are travelling; or               or any fines or penalties, including punitive,
                                                               exemplary, liquidated or aggravated damages;
     – sporting equipment while it is being used.
                                                             – you being under the influence of liquor or drugs;
 ■ We do not insure you for any event that is
     intentionally caused by you or by a person              – laundering (including washing, ironing and dry
                                                               cleaning) whether by professional persons
     acting with your consent (including suicide or
                                                               or otherwise;
     attempted suicide).
                                                             – non-receipt of the property/personal goods that
 ■ We will not pay for:
                                                               you have purchased and is being transported
     – any item that you buy to resell in your business;
                                                               to you;
     – business owned or business related items;
                                                             – additional damage caused whilst an item is being
     – commercial samples;
                                                               serviced or repaired, unless we have authorised
     – items you take to sell whilst overseas;                 the work;
     – securities, stamps, manuscripts or books of
                                                             – your employment;
       account;
                                                             – you or your travel companion not being able to
     – works of art, and antiques; or
                                                               take leave from your employment;
     – jewellery, watches, cameras, mobile phones,
                                                             – your financial circumstances or any other business
       electrical items or laptops in a motor vehicle or
                                                               or other contractual relationship;
       being carried in baggage, unless hand-carried and
                                                             – changes in currency rates; or
       under either your personal supervision or that of
       your travel companion.                                – the financial collapse or insolvency of an unlicensed
                                                               travel agent or unlicensed service provider.
24                                                                                                                     25
 ■ We will not pay for loss or damage caused by:                  ■ contact us on 132 687 within 30 days of returning
     – an electrical or mechanical fault or breakdown               home from overseas or interstate (even if you
       unless covered under the extended warranty                   previously reported the matter to Zurich Assist), or
       insurance;                                                   if you are already home, contact us within 30 days
     – vermin or insects;                                           of learning of an occurrence (loss, damage or
     – mildew, atmospheric or climatic conditions,                  breakdown) that may result in a claim. However, if
       or flood;                                                    you are making a Guaranteed Pricing claim, you
                                                                    must contact us within 21 days of the purchase
     – deterioration, normal wear and tear, or
                                                                    of the personal good.
       damage arising from inherent defect in the
       property/personal goods;                                     We may require you to complete a written loss
                                                                    report. If we do, we will provide you with the forms
     – any defective item or any defect in an item,
                                                                    which should be returned to us within 30 days after
       unless covered under the Extended Warranty
                                                                    you receive them.
       Insurance Policy;
     – any process of repairing or restoring the item               Note: Failing to contact us or return the completed
       unless we have given prior approval;                         loss report (if required) within the times stated might
     – your failure to comply with the recommended                  result in denial of the claim.
       security guidelines for the use of bank or currency        ■ You must provide us with any evidence/
       notes, cheques, credit card, postal or money                 documentation we require to verify your claim.
       orders or petrol coupons.                                    Depending on the policy you are claiming under,
 Claims procedures                                                  this might include (but is not limited to) any of
                                                                    the following:
 Please do not contact the Commonwealth Bank in
                                                                    – proof that you are eligible for insurance cover –
 the event of a claim as they are not involved in
                                                                      e.g. your credit card account statement and
 processing insurance claims.
                                                                      credit card receipt to confirm the purchase of
 If you want to make a claim under any of these policies,             your overseas travel ticket(s), etc.;
 you must:
                                                                    – if items were stolen, wilfully damaged, or
 1. Whilst you are overseas:                                          accidentally lost you must give us the Police
     Phone Zurich Assist (refer to page 35, ‘Emergency                Report number, or if the incident occurred whilst
     and medical service whilst overseas’).                           you were overseas, a copy of the report you
                                                                      obtained from the police or nearest government
     In order for Zurich Assist to confirm your eligibility for
                                                                      agency or authority. The report should be certified
     this insurance, you will need to have copies of the
     document listed on page 36, ‘Documents to take                   by the relevant authority as being a true and
     with you’.                                                       correct copy of the original;
                                                                    – proof of your ownership of any lost, stolen
 2. If you are in Australia, you must follow the steps
                                                                      or damaged items (e.g. purchase receipts);
    listed below.
                                                                    – evidence of your intended flight (e.g. ticket,
                                                                      Travel Agent’s itinerary showing your flight or
                                                                      a letter from the airline, etc.);
26                                                                                                                            27
     – evidence of the delay, including in the case           International Travel Insurance
       of luggage delay, a lost property/delayed property
                                                              International Travel Insurance is available to
       report issued by the airline;
                                                              Commonwealth Bank cardholders who use their
     – receipts for any items you buy to replace              eligible credit card to purchase their travel tickets in
       those that were lost or stolen or purchased            accordance with the criteria set out under ‘Who is
       as emergency replacement of your clothes               covered by this Policy’ in ‘Part B’.
       and toiletries;
     – if any items are lost or stolen during the time that   Index
       a carrier was responsible for looking after them,
                                                              Part A – Policy limits and summary of cover we provide      30
       you must get a letter from the carrier explaining
                                                              Part B – Important matters you should know about            33
       what happened and stating the amount of refund
       you received from them;                                Part C – Cover we provide
     – if your travel or accommodation arrangements are       1. Medical and hospital expenses incurred overseas          37
                                                              2. Loss or damage to personal items                         39
       cancelled and you intend claiming, you must
                                                              3. Unexpected travel and accommodation expenses             40
       provide a letter from the carrier, hotel, etc.,
                                                              4. Resumption of journey                                    42
       outlining the refund you were entitled to;             5. Missed connection                                        42
     – any damaged items for which you are claiming           6. Cancellation of travel arrangements you have made        43
       so that they can be inspected by us or our             7. Rental vehicle collision damage and theft excess cover   47
       authorised representative;                             8. Travel delay                                             47
     – a quote for the replacement of lost or stolen items,   9. Funeral expenses                                         48
                                                              10. Accidental death                                        48
       or quote (noting the serial number for Extended
                                                              11. Legal liability                                         49
       Warranty Insurance claims) for the repair of
                                                              12. Loss of income                                          50
       damaged or broken down items;
                                                              Part D – General exclusions                                 51
     – copy of the Australian warranty if claiming under
       the Extended Warranty Insurance;
     – in regard to the Guaranteed Pricing Scheme,
       we require evidence that the cheaper item is
       the same (i.e. model number, model year,
       and manufacturer) as the personal good you
       purchased, and we require a copy of the printed
       catalogue advertising the cheaper item, and
       evidence that the advertisement was printed
       after you purchased the personal good.




28                                                                                                                         29
 Part A – Policy limits and summary of                                                ■ laptop computers and
          cover we provide                                                              associated equipment/
                                                                                        accessories:
 The following table shows the Policy limits.                                           – A$3,000 in total Gold
 The actual terms and conditions are as outlined                                        – A$5,000 in total Platinum;
                                                                                      ■ travel documents, travellers
 elsewhere in this Policy. Please read the entire Policy
                                                                                        cheques, credit cards, cash
 to ensure it meets your requirements.
                                                                                        etc. with a maximum of
 Benefits                   Limits                                                      A$1,000 for a cardholder
 1. Medical and hospital    Unlimited, except bed care                                  travelling with their spouse
    expenses incurred       patient allowance of A$75 per                               and/or dependent children:
    overseas                day (A$100 for Platinum)                                    – A$500/person;
                            is limited to A$7,500 in total                            ■ emergency replacement of
                            (A$10,000 for Platinum).                                     your clothes and toiletries
                            Bed care patient allowance                                   with a maximum of A$1,000
                            covers incidental items, such as                             for a cardholder travelling
                            newspapers and television hire.                              with their spouse and/or
                                                                                         dependent children:
                            NB: No cover for pre-existing                                 – A$500/person.
                            medical conditions, unless                                The total we will pay under
                            prior approval given and                                  this section of cover in each
                            administrative fee paid                                   period of insurance is no
                            (see ‘Part A’).                                           more than A$10,000 per
                                                                                      person (A$15,000 for Platinum)
 2. Loss or damage          Limit of up to A$10,000
                                                                                      up to a maximum A$20,000
    to personal items       (A$15,000 for Platinum)
                                                                                      (A$30,000 for Platinum)
                            per person up to a maximum
                                                                                      for a cardholder travelling
                            A$20,000 (A$30,000 for
                                                                                      with their spouse and/or
                            Platinum) for a cardholder
                                                                                      dependent children.
                            travelling with their spouse
                            and/or dependent children          3. Unexpected travel   Unlimited.
                            subject to the following limits:      and accommodation
                                                                  expenses
                            ■ baggage, clothing and
                               personal valuables:             4. Resumption of       Limit of A$5,000 per person up
                               – A$3,000/item Gold                journey             to a maximum A$10,000 for a
                               – A$5,000/item Platinum;                               cardholder travelling with their
                                                                                      spouse and/or dependent
                            ■ portable electrical
                                                                                      children.
                               equipment and binoculars:
                               – A$3,000/item Gold             5. Missed connection   Limit of A$3,500 for reasonable
                               – A$5,000/item Platinum;                               costs of arranging alternative
                            ■ cameras and associated                                  public transport.
                               equipment/accessories:
                               – A$3,000/camera Gold
                               – A$5,000/camera Platinum;

30                                                                                                                       31
 6. Cancellation of travel   Unlimited, except for travel         10. Accidental death       In the event of accidental death
    arrangements you         agent’s cancellation fee, which is                              we will pay:
    have made                limited to an amount equal to the                               ■ Gold – A$25,000 per
                             lesser of A$500 or 15% of the                                       cardholder, A$25,000 per
                             value of the travel arranged by                                     spouse and A$5,000 per
                             the agent. Also, cover for the                                      dependent child;
                             financial insolvency or other                                   ■ Platinum – A$50,000 per
                             collapse of a licensed service                                      cardholder, A$25,000 per
                             provider is limited to A$5,000                                      spouse and A$5,000 per
                             per person and to a maximum                                         dependent child.
                             of A$10,000 for a cardholder
                             travelling with their spouse         11. Legal liability        Limit of A$2,500,000.
                             and/or dependent children.           12. Loss of income         Up to 3 months cover for the
 7. Rental vehicle           Limit of A$2,250.                                               loss of usual income up to
    collision damage and                                                                     A$750 per person per week, to
    theft excess cover                                                                       a maximum of A$7,500 in total.

 8. Travel delay             For reasonable additional meal
                             and accommodation costs after
                             6 hour delay, limit of A$250
                                                                  Part B – Important matters you should
                             per person up to a maximum                    know about
                             of A$500 for a cardholder            Who is covered by this Policy?
                             travelling with their spouse
                                                                  This insurance is available to:
                             and/or dependent children.
                             For each additional 12 hour          ■ a cardholder whose overseas travel ticket is
                             period we will pay up to $150           obtained by use of the cardholder’s eligible
                             per cardholder and $300 per
                                                                     credit card;
                             cardholder travelling with their
                                                                  ■ the spouse and dependent children of the
                             spouse and/or dependent
                             children. The most we will pay          cardholder who are travelling with the cardholder
                             for a cardholder is A$400 and           for the entire journey provided they and the
                             A$800 for a cardholder                  cardholder all obtained their overseas travel tickets
                             travelling with their spouse            by use of the cardholder’s eligible credit card; and
                             and/or dependent children.           ■ a person who has been given a Companion Airfare
 9. Funeral expenses         Limit of A$12,500 per person            Deal return overseas travel ticket (i.e. tickets from
                             to a maximum A$25,000 for               and returning to Australia);
                             a cardholder travelling with
                             their spouse and/or dependent        The period of insurance is:
                             children for an overseas funeral/    ■ up to 3 months (12 months for Platinum cardholders)
                             cremation or return of remains
                                                                     for persons with return overseas travel tickets where
                             to Australia.
                                                                     the return date is no more than 3 months (12 months
                                                                     for Platinum cardholders) after departure; or

32                                                                                                                              33
 ■   up to 30 days for persons with a one way overseas        You can’t cover the pre-existing medical conditions
     travel ticket.                                           of your relatives, travel companion or any other
 You do not have to advise us or the Commonwealth             persons that may give cause for you to claim.
 Bank that you will be travelling as you are automatically    If you wish to apply for cover for your pre-existing
 covered, if you are eligible for this insurance subject to   medical condition please phone Zurich Assist on
 the provisions of this Policy.                               1800 812 994. Our team of medical professionals will
 For the purposes of this Policy:                             assess your condition. If we determine to cover your
 ■ travel from Tasmania or from mainland Australia to         pre-existing medical condition, you will need to firstly
     Norfolk Island or Christmas Island will be considered    pay an administration fee and Zurich Assist will send
     as an overseas trip;                                     you a letter confirming that your pre-existing medical
 ■ travel from Norfolk Island or from Christmas Island        condition is covered under this Policy for the journey
     to Tasmania or mainland Australia will be considered     in question.
     as an overseas trip, however, medical and hospital       Enquiries
     expenses will not be covered if the person claiming
                                                              ■ If you wish to apply for cover for your pre-existing
     is eligible for Medicare benefits;
                                                                medical condition you must phone Zurich Assist on
 ■ travel from Tasmania or from mainland Australia to
                                                                1800 812 994 before you leave Australia.
     Lord Howe Island or Cocos Island will be considered
                                                              ■ General enquiries regarding this Policy should be
     as an overseas trip, however, medical and hospital
                                                                directed to us on 132 687. However, if you require
     expenses are not covered;
                                                                personal advice on this cover, please see your
 ■ travel from Lord Howe or from Cocos Island to
                                                                general insurance adviser.
     Tasmania or mainland Australia will be considered
     as an overseas trip, however, medical and hospital       Emergency and medical service whilst overseas
     expenses are not covered.                                In the event of an emergency overseas, simply call
                                                              Zurich Assist (reverse charge/collect) any time from any
 Pre-existing medical conditions
                                                              place in the world. You can do this by phoning the local
 This insurance does not cover you for any event that
                                                              operator where you are and booking a reverse charges
 is caused by, or arises as a result of, a pre-existing
                                                              call to Australia +61 2 9995 2021.
 medical condition of yours, or any pre-existing medical
 condition of a relative, travel companion or any other       Our team of medical professionals is only a phone
 person that may give cause for you to claim. Refer to        call away and is available 24 hours a day, 7 days a
 ‘Important information about the covers provided by          week for advice and assistance in the event of a medical
 Zurich Australian Insurance Limited’ for definition of       emergency and any associated problems for travellers
 pre-existing medical condition.                              outside Australia.

 However, if you are going on an overseas journey,            Zurich Assist has access to a worldwide team of skilled
 you may, before leaving Australia, apply for your            doctors and medical professionals and provides the
 pre-existing medical condition to be covered under           following services free of charge:
 this Policy.
                                                              ■ access to Registered Medical Practitioners for
                                                                emergency assistance and advice;
34                                                                                                                       35
 ■ emergency transportation to the nearest suitable         Part C – Cover we provide
     hospital;
                                                            1. Medical and hospital expenses incurred overseas
 ■ emergency evacuation, if necessary;
                                                            We insure you for medical and hospital expenses you
 ■ if requested by you, your family in Australia will be
                                                            incur overseas on your journey.
     advised of your medical condition and be kept
     informed of the situation;                             We reserve the right to return you to Australia for
 ■ payment guarantees to hospitals and insurance            ongoing medical attention. In Australia we are not
     verification;                                          licensed to pay medical and hospital expenses and
 ■ second opinions on medical matters; and                  you would need to claim on Medicare and/or your
                                                            Australian medical insurer. If you choose not to return
 ■ urgent message service and emergency
                                                            to Australia, we will cease to pay for the subsequent
     travel planning.
                                                            medical and hospital expenses you incur overseas.
 Documents to take with you when travelling
                                                            By medical expenses, we mean:
 Please take this Policy booklet with you (it contains
 important phone numbers and details of the cover           ■ expenses for:
 provided). You must also take with you which ever of          – medical, paramedical, or surgical treatment;
 the following documents is needed to verify your              – other treatment, given or prescribed by a qualified
 eligibility for this insurance:                                 and registered member of the medical profession; or
 ■ copies of your eligible credit card account                 – emergency dental treatment up to A$1,500 where
     statement or credit card receipt to confirm the             the treating dentist confirms in writing that the
     purchase of your overseas travel ticket(s); and/or          treatment was to relieve sudden and severe pain; or
 ■ a copy of the letter/statement confirming the            ■ ambulance, hospital, or nursing home charges; or

     redemption of your Commonwealth Award                  ■ expenses for emergency evacuation to Australia
     points for the Travel Giftcard or Instant Travel          or another country, if the local medical services are
     Reward; and/or                                            inadequate or not available. The evacuation must
 ■ the purchase receipt confirming that tickets were           be authorised and arranged by Zurich Assist (book
     obtained in full or part by redeeming an Instant          a reverse charges call from anywhere in the world
     Travel Reward and/or a Travel Giftcard; and/or            on +61 2 9995 2021).
 ■ the letter confirming that your travel ticket is a       If we agree to pay the hospital and medical expenses
     Companion Airfare Deal ticket.                         associated with your stay in an overseas hospital,
                                                            we will also pay you, in addition to the hospital and
 If you want to make a claim under the Policy whilst
                                                            medical expenses, a cash allowance (to cover incidental
 overseas, it will be necessary for Commonwealth Bank
                                                            expenses, such as a rental TV, newspapers or hospital
 or their agents to confirm to us or our agents that your
                                                            phone calls) for each continuous 24-hour period you
 overseas travel tickets were paid for as previously
                                                            are confined in an overseas hospital as a bed care
 outlined. Without this information, a claim may be         patient, provided the claim is supported by written
 delayed and it may not be possible for us or our agents    confirmation from the hospital of the length of your stay.
 to give approval for overseas medical attention.

36                                                                                                                     37
 We will pay for...                                            ■ arise from a sexually transmitted disease;

 Medical expenses                                              ■ arise from any disease that is transmitted when
                                                                  giving or taking a drug unless the giving or taking of
 We will pay for your medical expenses if you:
                                                                  the drug is supervised by a qualified and registered
 ■ become ill; or                                                 member of the medical profession and the disease is
 ■ get injured, during the period of insurance provided           not excluded anywhere else in this Policy;
     the injury was caused by a sudden physical force.         ■ arise because you intentionally injure yourself; or
 We will only cover your medical expenses if:                  ■ you incur more than 12 months after the date of
                                                                  your illness, injury or disablement.
 ■ you incur them overseas, during your journey
     overseas;                                                 2. Loss or damage to personal items
 ■ you are legally responsible for paying them;                We insure you, during your journey, for the theft and
 ■ you show us a medical advice, written by a                  accidental loss or damage to the following personal items
     registered and qualified member of the medical            that you either take with you or buy on your journey:
     profession, as proof of your illness or injury and the
                                                               ■ baggage, clothing and personal valuables;
     treatment you need for it; and
                                                               ■ portable electrical equipment and binoculars
 ■ we think your medical expenses are reasonable in
                                                                  (but we will not pay for scratched lenses);
     amount and reasonably necessary.
                                                               ■ cameras and associated equipment/accessories
 Please remember that you can only claim for emergency            (but we will not pay for scratched lenses);
 evacuation if it is arranged by Zurich Assist (book a         ■ laptop computers and associated equipment/
 reverse charges call from anywhere in the world on               accessories (but we will not pay for scratched
 +61 2 9995 2021).
                                                                  screens); or
 But we will not pay for...                                    ■ travel documents, travellers cheques, bank notes,

 We will not pay for medical expenses that:                       currency notes, postal orders, money orders, cash,
                                                                  credit cards or petrol coupons taken with you on
 ■ arise from pre-existing medical conditions unless
                                                                  your journey for personal use.
     we have given prior written approval to cover your
     pre-existing medical condition and you have paid          We will also provide for the emergency replacement of
     the administration fee;                                   your clothes and toiletries, if all your luggage (except
 ■ arise from dental treatment caused by or related to         carry on luggage) is delayed, misdirected, or temporarily
     the deterioration and/or decay of teeth or involving      misplaced by any carrier for more than 12 hours.
     the use of precious metals;                               If your travel documents, credit cards or travellers
 ■ you can recover from any private medical fund or            cheques are accidentally lost or stolen, you are covered
     similar government scheme;                                for their replacement and any legal liability for payment
 ■ you incur in Australia;                                     arising out of their unauthorised use only if:
 ■ arise from HIV, AIDS, ARC (AIDS Related Complex,            ■ you have complied with all the conditions you
     however, this syndrome may be acquired or named), or         agreed to when your travel documents, credit cards
     any related illness, no matter how you become infected;      or cheques were issued; and

38                                                                                                                         39
 ■ you have reported the loss to the appropriate              ■ your arranged travel is cancelled or delayed by the
     authorities (e.g. bank) as soon as possible after the       carrier because of unexpected:
     discovery of the loss.                                      – riots, strikes, civil commotion (but not acts
 If you are claiming for the emergency replacement of              of terrorism);
 your clothes and toiletries, you will need to obtain            – weather conditions;
 written confirmation from the carrier who was                   – natural disasters; or
 responsible for the luggage and you will need to             ■ you are unexpectedly retrenched. This does not
 provide us with receipts for the replacement items              include voluntary retrenchment or redundancy.
 you needed to purchase.
                                                              We will pay for…
 3. Unexpected travel and accommodation expenses
                                                              We will pay for additional and out of pocket expenses if:
 Under this section we insure you for unexpected travel
 and accommodation expenses that are not provided for         ■ you incur them during your journey; and
 elsewhere in this Policy and that arise as a result of one   ■ you are legally responsible for paying them; and
 or more of the following events happening during the         ■ we think they are reasonable in amount and were
 period of insurance:                                            reasonably necessary.
 ■ you, your travel companion or a relative                   We will also pay for a relative or friend to travel to
     unexpectedly:                                            where you are and escort you back to your normal
     – dies;                                                  residence in Australia if:
     – is seriously injured; or                               ■ you are injured or become seriously ill during the
     – becomes seriously ill;                                    period of insurance;
     (We will need to see a medical advice written by         ■ you show us a medical advice written by a qualified
     a qualified and registered member of the medical            and registered member of the medical profession,
     profession regarding any of the above events                saying that an escort is necessary; and
     and be satisfied that the expenses involved are          ■ Zurich Assist firstly agrees that an escort is
     reasonable in amount and reasonably necessary.)             reasonably necessary.
 ■ there is a natural disaster, or a natural disaster is
                                                              Payment of the escort’s costs will be made to the
     reasonably expected to happen;
                                                              person who incurs the expense.
 ■ your normal residence in Australia is totally
     destroyed;                                               But we will not pay for…
 ■ you are quarantined;                                       Under this section, we will not pay for expenses
 ■ you are subpoenaed to attend court in Australia;           incurred in relation to the following:
                                                              ■ resumption of your journey;
                                                              ■ missed connections;
                                                              ■ cancellation of any of your travel arrangements; or
                                                              ■ funeral or transportation of remains.


40                                                                                                                     41
 4. Resumption of journey                                        6. Cancellation of travel arrangements you have made
 We insure you for the reasonable transport expenses             Under this section we cover you if travel arrangements
 incurred to return to Australia and then resume your            you have paid for are cancelled, provided the claim is
 journey, if you have to interrupt your journey and              not covered elsewhere in the Policy.
 return to Australia immediately following the death
                                                                 The travel must be cancelled during the period of
 of a relative.
                                                                 insurance because:
 We will only pay if:
                                                                 ■ there is a natural disaster, or a natural disaster has
 ■ you resume your journey within 30 days of returning              recently happened or is reasonably expected to
     to Australia;                                                  happen either at your destination or at your normal
 ■ your journey had not ended before your return and                residence;
     there is at least a fortnight or 25% of the time of your    ■ your normal residence in Australia is totally destroyed;
     journey remaining (whichever is the greater);               ■ you are quarantined;
 ■ the death occurred after you booked your travel; and          ■ you are unexpectedly subpoenaed to attend court
 ■ your claim is not excluded elsewhere. However, if                in Australia;
     the exclusion is due to your relative’s pre-existing        ■ of a pre-existing medical condition if we have
     medical condition, we will pay benefits provided               given prior approval to cover the condition and you
     that before you commenced your journey a medical               have already paid the administration fee.
     professional had not declared your relative as being        ■ after purchasing your overseas return travel tickets,
     terminally ill.                                                you become aware of a pre-existing medical
 We will pay for...                                                 condition, which we will then not provide
                                                                    cover for;
 We will reimburse you the costs of an economy air
                                                                 ■ you, your travel companion or a relative
 ticket to Australia and an economy air ticket to return
                                                                    unexpectedly:
 you to the overseas location where you were to be at
                                                                    – dies; or
 that time when you returned overseas (as stated in
 your original itinerary).                                          – is seriously injured; or
                                                                    – becomes seriously ill;
 5. Missed connection
                                                                    (We will need to see a medical advice written by
 If your journey is interrupted by any unexpected cause             a qualified and registered member of the medical
 outside of your control and as a result you are going to           profession regarding any of the above events and
 miss a special event which can not be delayed, we will             be satisfied that the cancellation was appropriate
 pay the reasonable additional costs of using alternative           and reasonably necessary.)
 transport to arrive at the destination for the special event.
                                                                 ■ your arranged travel is cancelled or delayed by
 By special event we mean a wedding, funeral,                       the carrier because of unexpected:
 conference or sporting event which before you left                 – riots, strikes, civil commotion (but not acts
 Australia you had planned to attend.                                 of terrorism);
                                                                    – weather conditions; or
                                                                    – natural disasters;
42                                                                                                                            43
 ■ you are unexpectedly retrenched. This does not              Important
     include voluntary retrenchment or redundancy; or          If you want to claim under this section, you must take
 ■ other reasons beyond your expectation or control            steps to minimise your losses. As soon as possible
     but not due to:                                           after the cancellation you must:
     – any matter related to the events listed above;
                                                               ■ recover any refund you are entitled to; and
     – any pre-existing medical condition of yours, a
                                                               ■ cancel any other travel or accommodation
       relative, travel companion or any other person
                                                                  arrangements that depend on your cancelled
       that may give cause for you to claim. We will,
                                                                  arrangements and that you are now unable to use.
       however, cover events caused by your
       pre-existing medical condition if we have given         We will pay for...
       prior written approval to cover your pre-existing       If you continue your travel
       medical condition and you have paid the
                                                               You may decide to continue your cancelled
       administration fee. We will also cover you for
                                                               travel arrangements. If you do this at the earliest
       cancellation expenses if, after purchasing your
                                                               reasonable opportunity after cancellation, we will,
       overseas travel tickets, you contract a
                                                               at our option, either:
       pre-existing medical condition, which we will
       then not provide cover for;                             ■ pay for any part of your cancelled travel
     – the death, illness (or for any other reason) relating      arrangements that:
       to persons living outside of Australia;                    – you have paid for but are unable to use; and
     – your or your travel companion’s decision not to            – that are non-refundable; or
       continue with a journey;                                ■ pay the costs of a higher class of travel, or increased
     – your or your travel companion’s failure to procure         seasonal rates for travel, if that is the only class or
       a passport or visa;                                        rate available. We will pay these costs minus the
     – the negligence of the tour operator, wholesaler or         amount of any refundable part of your cancelled
       travel agent or the inability of the tour operator to      travel arrangements. We will only pay to upgrade
       complete arrangements for a group tour, due to             your travel on the type of transport you chose in
       lack in numbers required to commence or                    your cancelled travel arrangements.
       complete any part of the tour; or                       We will also pay for any part of your cancelled
     – delays, cancellations or rescheduling by carriers       accommodation arrangements that:
       except as covered on page 43.
                                                               ■ you have paid for but are unable to use; and
                                                               ■ which are non-refundable.




44                                                                                                                          45
 If you do not continue your travel                           Travel agent’s cancellation fee
 You may decide not to continue with the cancelled            Provided your bookings were made through a licensed
 travel arrangements at the earliest reasonable               travel agent, we will pay your travel agent’s cancellation
 opportunity after cancellation. If so, we will pay for any   fee up to an amount equal to the lesser of A$500 or
 part of your cancelled travel and accommodation              15% of the value of the travel arranged by the agent.
 arrangements that:
                                                              But we will not pay for…
 ■ you have paid for, but will not use; and
                                                              Under this section we will not pay for expenses incurred
 ■ which are non-refundable.
                                                              in relation to the following:
 Out of pocket expenses
                                                              ■ resumption of your journey;
 We will pay unexpected travel and accommodation              ■ missed connection;
 expenses if they arise because the carrier cancels your      ■ any travel delays; or
 arranged travel (as outlined on page 43) if:                 ■ funeral or transportation of remains.
 ■ you incur them during your journey, and you are            7. Rental vehicle collision damage and theft
     legally responsible for paying for them;                    excess cover
 ■ we think they are reasonable in amount and were
                                                              We will reimburse you for any excess or deductible
     reasonably necessary; and
                                                              which you become legally liable to pay in respect of
 ■ you show us a letter from the carrier giving details of
                                                              loss or damage to a rental vehicle during the rental
     the cancellation.                                        period provided:
 Financial collapse or default of a service provider          ■ the rental vehicle must be rented from a licensed
 Provided your bookings were made through a licensed             rental agency;
 travel agent, we will cover you in the event of the          ■ you have complied with all requirements of the rental
 financial collapse or default of the licensed travel agent      organisation under the hiring agreement and of the
 or any other licensed service provider.                         rental vehicle insurer.
 After you have recovered the maximum amount available        But we will not pay for…
 from any statutory fund, compensation scheme or any
                                                              We will not pay for your costs arising from:
 other source, we will pay up to A$5,000 per person to
 a maximum A$10,000 for a cardholder travelling with          ■ loss or damage resulting from the operation of
 their spouse and/or dependent children, for the                 the rental vehicle in violation of the terms of the
 difference between the cost you incurred and the                rental agreement.
 amount you recovered.
                                                              8. Travel delay
                                                              If the departure of any scheduled transport in which you
                                                              have arranged to travel is delayed for at least 6 hours
                                                              due to any unforeseen cause outside your control we
                                                              will reimburse your costs.


46                                                                                                                         47
 This benefit is only payable when you supply receipts       11. Legal liability
 for the expenses incurred and written confirmation from     We insure your legal liability during your journey.
 the carrier confirming the period of delay.
                                                             By legal liability, we mean your responsibility to pay
 9. Funeral expenses                                         compensation for negligently causing:
 We insure you for funeral expenses that are incurred        ■ bodily injury or death to someone other than you; or
 whilst on your journey. However, we will not pay for
                                                             ■ loss or damage to property owned or controlled by
 your funeral expenses if your death is the result of a
                                                                someone other than you.
 pre-existing medical condition unless we have given
 prior written approval to cover your pre-existing medical   Only we have the right to:
 condition and you have paid the administration fee.         ■ settle or defend the claim;
 By funeral expenses, we mean:                               ■ make or accept an offer of payment; or
                                                             ■ in any way admit you are liable.
 ■ the costs of returning your remains or ashes to
     Australia; and/or                                       We will pay for...
 ■ the costs of your overseas funeral or cremation.          We will pay for your legal liability if the event that gives
 We will pay for funeral expenses if:                        rise to it:

 ■ you die during the journey; and                           ■ happens during the journey; and

 ■ a death certificate given by a qualified and registered   ■ is one that you do not intend or expect to give rise
     member of the medical profession is shown to us as         to your legal liability.
     proof of the cause of death.                            Legal costs
 10. Accidental death                                        We will also pay all reasonable legal fees and
 We will insure you if, whilst on your journey, you die as   expenses if:
 a result of injuries sustained in an accident (but not      ■ we incur them on your behalf; or
 illness or disease).
                                                             ■ you incur them after we agree in writing.
 The death must occur within 12 months of the accident
                                                             But we will not pay for...
 and the accident must have been caused by violent,
 external and visible means and must be supported by         We will not pay for your legal liability that arises:
 a death certificate, signed by a qualified and registered   ■ from bodily injury to, or the illness or death of:
 member of the medical profession.                              – any relative or travel companion; or
 If the transport you are travelling in is involved in an       – your employee;
 accident caused by violent, external and visible means      ■ from you owning or occupying any land or building
 and your body can not be found, we will after 12 months        (unless the building is a residence and you occupy it
 treat you as having died as a result of the accident.          as a tenant or lessee, or in some other temporary way);




48                                                                                                                          49
 ■ from you owning, controlling or using a motorised       Part D – General exclusions
     vehicle, an aircraft or a watercraft (other than a
                                                           These general exclusions apply to all the insurance
     non-motorised watercraft used on inland waterways).
                                                           we provide in this International Travel Insurance Policy.
     However, if you do not own or control the transport
                                                           In addition to these exclusions there may also be
     and are using it just as a passenger, you are not
                                                           specific exclusions for the particular type of cover.
     within this exclusion;
                                                           In any insurance policy there are situations that are not
 ■ from your business, profession or occupation;
                                                           covered. While we try to extend the insurance to most
 ■ from loss or damage to any property that is owned
                                                           situations, we are not able to insure some situations
     or controlled by you; or
                                                           because of the costs or types of events involved.
 ■ from any fines or penalties, including punitive,
                                                           We do not insure you for any event that is caused by
     exemplary, liquidated or aggravated damages.
                                                           or arises from:
     (These are damages a judge may order a person
     to pay as punishment. They are different from         ■ your lack of finances;
     damages that must be paid as compensation.)           ■ you not wanting to continue with your journey, or
                                                              cancelling it or cutting it short (unless your claim is
 12. Loss of income
                                                              within the ‘Cancellation of travel arrangements you
 If you are a cardholder or spouse and as a result of
                                                              have made’ or the ‘Unexpected travel and
 injuries you sustain in an accident whilst on your
                                                              accommodation expenses’ sections);
 journey, you are unable to resume your usual work in
                                                           ■ changes in currency rates; or
 Australia when you return from your journey, we will
 pay for your loss of income for up to three (3) months.   ■ the financial collapse or insolvency of an unlicensed

 We will pay this benefit monthly in arrears.                 travel agent.

 We will pay for…                                          We do not cover you for any event that is caused by or
                                                           arises from you taking part in:
 We will pay this benefit if:
                                                           ■ any kind of professional sport;
 ■ the injury occurred exclusively in an accident caused
   by violent, external and visible means; and             ■ underwater activities that involve using artificial

 ■ the monthly claim is supported by a medical
                                                              breathing equipment (unless you have an open
   certificate, signed by a qualified and registered          water diving licence or are diving with a qualified
   member of the medical profession; and                      and registered diving instructor);
 ■ you provide written evidence that the cardholder        ■ mountaineering or rock climbing (if you need to use
   or spouse had work to return to.                           climbing equipment, ropes or guides), white water
                                                              rafting or boating, abseiling, bungy jumping, pot
 But we will not pay for...
                                                              holing, caving or tobogganing;
 We will not pay for:                                      ■ racing (other than foot);
 ■ the income lost from the first month after you          ■ flying or any aerial activity (for example, hang-gliding
   planned to resume your usual work in Australia; and        and skydiving). But if you are just a passenger in a
 ■ any period when you were not scheduled to                  fully licensed commercial passenger aircraft, we do
   be working.                                                insure you;

50                                                                                                                      51
 ■ motorcycling unless you are riding a motorcycle          Purchase Security Insurance
     with an engine capacity of 200cc or less and hold a
                                                            Purchase Security Insurance is a benefit automatically
     motorcycle licence which is valid in the country you
                                                            available to Commonwealth Bank cardholders. This
     are in but always excluding motorcycle racing;
                                                            cover provides ninety (90) consecutive days of free
 ■ any sport involving projectiles (e.g. shooting
                                                            insurance against loss, theft or damage over a wide
     and archery); or                                       range of new personal items purchased anywhere in
 ■ deliberate exposure to exceptional danger unless         the world, provided the purchase is charged to the
     in an attempt to preserve your life or the life of     cardholder’s eligible credit card.
     another person.
                                                            Terms and conditions
                                                            1. This Policy provides automatic insurance protection
                                                               for personal goods when their purchase is charged
                                                               to an eligible credit card unless the personal goods
                                                               and/or claims are excluded by the Definitions, Terms
                                                               and Conditions, or Exclusions, or the cardholder fails
                                                               to comply with the Claims Procedures.
                                                            2. Cover under this insurance extends to permanent
                                                               Australian residents who receive the personal
                                                               goods as a gift from a cardholder who has
                                                               purchased the personal goods in accordance
                                                               with point 1 above. For the purpose of this cover
                                                               these persons are also referred to as cardholders.
                                                            3. The personal goods are insured anywhere in the
                                                               world for ninety (90) consecutive days from the date
                                                               of purchase in the event of loss, theft or damage.
                                                            4. Our liability for claims made pursuant to this Policy
                                                               shall not exceed:
                                                            ■ the actual amount charged to the cardholder’s
                                                               eligible credit card account to purchase the good;
                                                            ■ A$3,000 (A$10,000 for Platinum) per claim in
                                                               respect of jewellery, watches and fine arts; or
                                                            ■ A$125,000 (A$200,000 for Platinum) in any
                                                               12 month period in respect of any one eligible
                                                               credit card account.




52                                                                                                                     53
 Extended Warranty Insurance                                 For example:

 Extended Warranty Insurance is a benefit automatically      Australian                                   Extended
 available to Commonwealth Bank cardholders. The             warranty period                        warranty period
 purpose of the cover is to extend the manufacturer’s        7 days                                           7 days
 expressed Australian warranty on personal goods             14 days                                         14 days
 purchased, provided the purchase is charged to the
                                                             1 month                                         1 month
 cardholder’s eligible credit card and the value of
 the personal goods does not exceed A$10,000                 6 months                                       6 months
 (A$20,000 for Platinum).                                    1 to 5 years                                      1 year
 The Policy does not affect the rights of                    Over 5 years                                    no cover
 cardholders against a manufacturer in relation to
 contravention of statutory or implied warranties under
 Australian legislation.                                  3. Only covered breakdowns are eligible for this
                                                             extended warranty.
 Terms and conditions
                                                          4. Our liability for claims made pursuant to this Policy
 1. The insurance cover provided by this Policy in
                                                             shall not exceed:
    respect of the purchase of personal goods
    comes into effect at the end of the Australian           ■ the actual Australian dollar purchase price of the
    warranty period that applies to those personal             personal goods charged to the eligible credit
    goods and covers the cost to repair or replace             card account; and
    the personal goods.                                      ■ in any 12 month period the sum of A$10,000
                                                               (A$20,000 for Platinum) per eligible credit
 2. This extended warranty period will be for an
                                                               card account.
    equivalent duration as the Australian warranty
    period, up to a maximum of one full year, and does    5. You must take all reasonable care to protect
    not apply if the Australian warranty exceeds             and maintain the personal goods insured under
    5 years.                                                 this Policy.
                                                          6. If a claim is to be paid under this Policy, you must
                                                             obtain approval from us prior to proceeding with any
                                                             repairs or replacement of the personal goods which
                                                             have broken down, or are defective. You must also
                                                             retain the personal goods or parts for our inspection.




54                                                                                                                    55
 Interstate Flight Inconvenience                               Benefits
 Insurance                                                     1. Delays
 Interstate Flight Inconvenience Insurance is a benefit        Flight delay
 automatically available to Commonwealth Bank                  If the intended interstate flight is delayed by four hours
 Platinum cardholders only. It covers the Platinum             or more, and no alternative transport is made available,
 cardholder during an Australian trip of up to 14 days,        the Platinum cardholder is entitled to charge up to A$35
 provided the cardholder charges the entire cost of their      per person to their credit card account for meals
 return interstate flight fare (but not taxes, or airport or   and refreshments, up to a total of A$100.
 travel agent’s charges) to their credit card account.
                                                               12 hour luggage delay
 This cover extends to the Platinum cardholder’s spouse
 and/or dependent children travelling with the Platinum        If, following an interstate flight, your luggage containing
 cardholder and whose return interstate flight air fares       clothes and toiletries is delayed in getting to you for over
 were charged to the Platinum credit card account.             12 hours, the Platinum cardholder is entitled to charge
                                                               up to A$150 per person to their credit card account for
 Except for the cancellation cover, the other covers
                                                               essential clothing and toiletries, up to a total of A$450.
 included in this Policy are available for a period of
 14 days from the date you leave your Australian home          2. Loss or damage to personal Items
 to travel directly to the airport from where you are          We insure you during your journey for the theft and
 catching your interstate flight. The cover will cease         accidental loss or damage to clothing and your
 after this 14 day period or earlier if you return to your     personal items (but not laptop computers or business
 Australian home within the 14 day period.                     items) that you have with you.
 This cover, however, is not designed to provide travel        We will pay up to a value of A$750 for each item
 insurance benefits as prescribed under the Insurance          to a maximum of A$1,500 in total.
 Contract Act 1984.
                                                               3. Funeral expenses as a result of
                                                               accidental death
                                                               If, whilst on an interstate journey, you die as a result
                                                               of injuries caused accidentally, directly and solely by a
                                                               sudden physical force (but not illness or disease), we
                                                               will pay for funeral expenses up to A$2,500 per person
                                                               to a maximum of A$7,000.
                                                               By funeral expenses we mean:
                                                               ■ the costs of returning your remains or ashes to your
                                                                  home town/city in Australia; and/or
                                                               ■ the costs of the funeral or cremation.




56                                                                                                                            57
 4. Cancellation of domestic                                  Guaranteed Pricing Scheme
 travel arrangements
                                                              Guaranteed Pricing Scheme is a benefit available to
 Under this section, we cover you to a maximum                Commonwealth Bank Platinum cardholders only, when
 A$3,000 if travel arrangements you have paid for             new personal goods to the value of A$10,000 are
 (but not business related travel) are cancelled for any      purchased by a Platinum cardholder anywhere in
 of the following reasons, subsequent to the payment          Australia, and the entire cost is charged to the
 of the entire cost of your return interstate flight fares:   Platinum cardholder’s credit card account. This scheme
 ■ your, your travel companion or a relative                  guarantees the Platinum cardholder gets the best price
     unexpectedly:                                            if, within 21 days of the purchase, they advise us that
     – dies;                                                  they have subsequent to their purchase, received a
     – is seriously injured; or                               printed catalogue showing the same personal goods
     – becomes seriously ill;                                 (same model number and same model year), by the
                                                              same manufacturer, for a lower price from a store
     (We will need to see a medical advice written by
     a qualified and registered member of the medical         within 25 kilometres of the store from where the
     profession regarding any of the above events,            personal goods were purchased, and the price
     and be satisfied that the expenses involved are          difference is greater than A$75.
     reasonable in amount and reasonably necessary.)
                                                              Terms and conditions
 ■ your normal residence in Australia is totally
     destroyed but not as an act of terrorism;                The cheaper personal good must be:
 ■ you are quarantined;                                       ■ the same model number; and
 ■ you are subpoenaed to attend court in Australia;           ■ the same model year; and
 ■ your arranged travel is cancelled or delayed by the        ■ produced by the same manufacturer as the
     carrier because of unexpected natural disasters; or         personal good purchased by you.
 ■ the cardholder or spouse is unexpectedly
                                                              The entire cost of the personal goods purchased must
     retrenched. This does not include voluntary
                                                              be charged to your Platinum credit card account.
     retrenchment or redundancy.
                                                              The cheaper article must be available from a
 This cancellation cover will cease fourteen (14) days
                                                              store within a 25-kilometre radius of the store where
 after you leave your Australian home to travel directly
                                                              the personal good were purchased (excluding
 to the airport from where you are catching your
                                                              internet sales).
 interstate flight, or earlier if you return to your
 Australian home before the 14 days has expired.              The catalogue showing the cheaper article must have
                                                              been printed within 21 days of the date you purchased
                                                              the personal good.




58                                                                                                                    59
 You must report (make a claim) the cheaper article
 to us within 21 days of the purchase of the personal
 good. This is because we only provide cover for
 cheaper items reported within 21 days of the date
 of purchase of the original personal good.
 Provided the price difference is greater than A$75,
 we will refund the price difference up to A$500.
 The personal good must not have been purchased
 over the internet.

 Dispute resolution
 If you are unhappy with any service issue or the
 settlement of a claim, you may have the matter
 referred to our internal dispute resolution committee.
 This committee consists of senior managers who will
 review the decision.




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