1. Overseas Travel Insurance

a. Included – Complimentary Overseas

Travel Insurance

b. Optional – Upgraded Benets

2. Other Insurances

Included – For purchases made on or

after 3 September 2024

C r e d i t C a r d

Insurance.

About the credit card insurance 5

Overseas Travel Insurance overview 10-13

Contact details back cover

Complimentary Overseas Travel Insurance 14

Upgraded Benets 16

Emergency Assistance and Claims 24-26

24 hour emergency assistance 24

Who issues and insures these products? 29

Duty to take reasonable care not to make

a misrepresentation 29

Words with special meaning 31

General exclusions 53

Complimentary Overseas Travel Insurance 59

Upgraded Benets 69

General Insurance Code of Practice 98

Change of terms and conditions 98

We respect your privacy 99

About the Group Policy 101

Termination of the Group Policy 102

Cancelling your cover 102

Complaints and disputes resolution process 103

Welcome

nature only (we can’t take into account your objectives,

financial situation or needs).

This booklet contains important information about the insurer,

Zurich Australian Insurance Limited (ZAIL), ABN 13 000 296

640, AFS Licence Number 232507 (referred to as “we”, “our”

and “us” in relation to the insurance), its agent Cover-More

Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713

(Cover-More) as well as Bankwest and other relevant persons.

Bankwest is a division of Commonwealth Bank of Australia

ABN 48 123 123 124 AFSL/Australian credit licence 234945

About the credit card

available to cardholders, so you know exactly what’s covered,

what’s not covered and what you need to do to get the

insurance.

The credit card insurance consists of the following:

1. Overseas Travel Insurance which is in two parts:

– A. Complimentary Overseas Travel Insurance which

has cover for overseas medical and dental expenses,

accidental death, personal liability and baggage and

personal goods.

– B. Upgraded Benefits which has cover available for

your eligible credit card.

The cover available to you depends upon the type of Bankwest

credit card you have.

Please note there is limited cover for COVID-19.

Certain words have special meanings and are shown

in bold.

See Words with special meaning, pages 31-39.

For example:

– Platinum Mastercard means a current and valid

Bankwest Platinum Mastercard credit card,

Platinum Zero Mastercard

– a current and valid Bankwest World

Mastercard credit card

An eligible credit card that is not activated or

that is currently cancelled or suspended is not

current and valid.

1. Overseas Travel

These benefits are provided to cardholders at no charge unless

* Persons (cardholder or spouse) 80 years of age or over at

the relevant time are not eligible for medical or health related

cover related to their health under these benefits.

Cardholders under 80 years of age at the relevant time can

apply for Upgraded Benefits to get the cover shown in the table

under Other Upgrades below and Further Covers on page7.

A premium applies for these benefits.

2. Other Insurances

covered by a contract of insurance between us and you. A

premium applies. We will issue a Certificate Of Insurance

– If you apply for cover for your existing medical condition

and we approve cover and you pay us the required

premium, this additional cover is a contract of insurance

between us and you. See pages 45-50. We will issue

a Certificate Of Insurance to you.

– Terms, conditions, limits and sub-limits apply – that’s why

it is important you read this booklet carefully.

– You might notice some words in bold – these have special

meanings. See pages 31-39 for more info.

For example you, your or yourself means any of the following if

they are eligible for the cover:

– The cardholder

– The cardholder’s family.

Overseas Travel

Cardholders

If you have an eligible credit card, you’re eligible for

– a current and valid Bankwest Platinum Mastercard credit

card, excluding Bankwest Platinum Zero Mastercard

– a current and valid Bankwest World Mastercard credit card

An eligible credit card that is not activated or that is currently

cancelled or suspended is not current and valid.

Spouse and/or accompanied child/children

If you meet all of the above criteria, then your spouse and/

or accompanied child/children are automatically eligible for

Complimentary Overseas Travel Insurance as long as each

of them travels with you on the same itinerary for the entire

Additional Expenses or Benefit 6: Cancellation Costs.

Complimentary Overseas Travel Insurance covers a maximum

duration per journey of up to:

– 31 consecutive days for Bankwest Platinum Mastercard

cardholders, or

– six consecutive months for Bankwest World Mastercard

cardholders.

If a cardholder is travelling for longer than the maximum

cardholder’s Certificate of Insurance will show the extended

period.

The maximum period of cover (from the commencement of

your journey, inclusive of the complimentary duration) cannot

exceed:

– three consecutive months for Bankwest Platinum

Mastercard cardholders, or

– 12 consecutive months for Bankwest World Mastercard

cardholders.

What that means is:

for the relevant journey by up to six months.

– You can apply to extend the period of cover through the

Bankwest website or App or by calling 1300 468 340

and pay the required premium before commencing the

journey.

If you are overseas

– You can contact us prior to the expiry of the maximum

duration shown under How long can I be insured for?

page 10 and pay the required premium for the extended

period.

Please call 1300 468 340 (within Australia) or

claims procedures contained in this booklet.

However, if you want to:

– apply for Upgraded Benefits, please see the following on

page 12

– apply for cover for your existing medical conditions,

please see pages 45-50

– travel for longer than the complimentary maximum

duration applying to the eligible credit card, please see

Extending the period of cover page 11.

been activated and is not cancelled or suspended

c. apply for Upgraded Benefits before commencing the

journey (see this page for details of how to obtain

Upgraded Benefits) or during the journey if you are

applying for an additional period of cover, and

d. pay the required premium to us.

Platinum Mastercard means a current and valid Bankwest

Platinum Mastercard credit card, excluding Bankwest Platinum

Zero Mastercard.

Spouse and/or accompanied child/children

Insurance (see this page for details of how to obtain

Upgraded Benefits), and

c. the required premium has been paid to us for them.

Persons 80 years of age or over

Persons (cardholder or spouse) 80 years of age or over at the

relevant time cannot apply for Upgraded Benefits.

– applying through the Bankwest website or App, or

1

1.1 Overseas Emergency Medical and

Hospital Expenses~ – pages

60-62

$250

$Unlimited* $Unlimited*

1.2 Hospital Incidentals~

– page 60

$250 $Unlimited

Overseas Travel Insurance*

6 Cancellation Costs^ – pages 71-74

$250

cardholder only

$250 $3,000 $3,000

9 Kidnap and Ransom – page 76

10 Hijack and Detention – page 77

(up to $100 per person per 24

$20,000

(up to $100 per person per 24

hours)

* Persons (cardholder or spouse) 80 years of age or over at the relevant

time are not eligible for medical cover or claims related to their health

under these benefits.

to determine if you took reasonable care not to make a

misrepresentation to Us.

took reasonable care not to make a misrepresentation to Us:

• the type of consumer insurance contract in question, and

its target market

• explanatory material or publicity produced or authorised

by Us

• how clear, and how specific, the questions we asked were

• how clearly we communicated to you the importance

You are not to be taken to have made a misrepresentation

merely because you:

• failed to answer a question, or

• gave an obviously incomplete or irrelevant answer to a

question.

Consequences if you fail to take reasonable care and do make

a misrepresentation

If you do not take reasonable care when answering Our

questions and the result is you do make a misrepresentation to

Us, we may cancel your contract or reduce the amount we will

The use of the singular shall also include the use of the plural

and vice versa.

eligible for the cover:

› The cardholder

› The cardholder’s family.

we, our or us means Zurich Australian Insurance Limited

ABN 13 000 296 640, AFS Licence Number 232507.

accident (in regard to Transit Accident) means any sudden and

unexpected physical force, which occurs on a trip and causes

the cardholder

– all unmarried children, up to and including 18 years of age,

of whom the cardholder has shared custody

– all unmarried children, from 19 years of age up to and

including 21 years of age, who are full-time students

attending an accredited institution of higher learning in

Australia and who the cardholder has/had sole or shared

custody, and who are dependent upon the cardholder for

their maintenance and financial support, or

– all unmarried persons who are physically or mentally

a. uses or threatens force or violence

b. aims to create public fear, or

c. aims to resist or influence a government, or has

ideological, religious, ethnic or similar aims.

additional means the cost of accommodation or transport (and

meals where mentioned) you actually use less the cost of the

accommodation or transport (and meals where mentioned)

– an Australian Medicare card

– an Australian issued Temporary Work (skilled) Visa

If a cardholder’s family is travelling together, only one person

can claim the benefits payable to the cardholder. The others

can only claim as a spouse or accompanied child.

carrier means an aircraft, vehicle, train, tram, vessel or other

scheduled transport, operated under a licence, for the purpose

of transporting passengers. However, it does not mean a taxi,

limousine or similar service.

Certificate of Insurance means the document we provide to

a cardholder when they have paid the required premium and

have been issued with, as applicable, the Further Covers, an

jurisdiction.

legal costs means fees, costs and expenses (including any

applicable taxes and charges) in connection with a legal

action. It also means any costs, which you are ordered to

pay by a court or arbitrator (other than any fine or penalty, or

aggravated, punitive, exemplary or liquidated damages) or any

other costs we agree to pay.

journey means the following:

The journey starts when you leave your home or your place of

business to travel directly to the Australian air or sea terminal

applied for an extended period of cover, see Upgraded

Benefits

– For Upgraded Benefits, the travel end date shown on

the Certificate of Insurance subject to a maximum

duration limit of three months for a Platinum Mastercard

cardholders and 12 months for World Mastercard

cardholders, from the date of departure shown on the

cardholder’s return overseas travel ticket

– When you return to your home.

country in which they are currently practising and qualified to

from natural processes of the Earth; examples are bushfire,

on-piste means areas that are groomed terrain, marked slopes,

and open trails maintained, monitored and patrolled by the ski

resort.

Other Insurances means the cover described in Other

Insurances.

overseas means outside Australia and its territories.

pandemic means an epidemic that is expected to affect an

unusually large number of people or involves an extensive

geographic area.

period of cover means the time when you are covered.

– For the other benefits – at the travel start date

b. It ends at the earliest of the following times:

i. At the end of the journey

ii. the travel end date on your Certificate of Insurance

iii. When we determine that you should return to Australia

– items with an original purchase price over $10,000

– items acquired for the purpose of re-supply/re-sale

– items acquired to undergo transformation in a business

– items purchased in a business name

– business owned or business related items

– computer software, or information stored on any

electronic device or other media, including digital photos,

downloaded files, electronic applications, programmed

data or non-tangible items

– bullion, cash, collections such as stamps, coins and cards,

– airplanes, automobiles, boats, motorboats or any other

motorised vehicles and their integral parts and installed

accessories

– second-hand items, including antiques

– items of contraband

– real estate and movable fixtures or fittings (including but

not limited to dishwashers and fixed air conditioners) that

form, or are intended to form, part of any home, office or

real estate

– for Purchase Security pages 94-95, items purchased

cruise ships, planes, stations, taxis, trains, wharves and

restaurants and general access areas.

relative means a person who is the cardholder’s spouse;

parent, parent-in-law, stepparent, guardian; grandparent; child,

foster child, grandchild; brother, brother-in-law, half-brother,

stepbrother, sister, sister-in-law, half-sister, stepsister; daughter,

daughter-in-law, stepdaughter, son, son-in-law, stepson; fiancé,

fiancée; uncle, aunt; or niece, nephew.

relevant time means:

a. on a Platinum Mastercard:

b. on a World Mastercard the time you pay the first prepaid

terminal prognosis has been given by a qualified medical

transport provider means a properly licensed coach operator,

airline, cruise line, shipping line or railway company.

› in regard to Complimentary Overseas Travel Insurance,

and Upgraded Benefits, a person whom, before the

journey began, arranged to accompany you on your

journey for at least 50% of the time of your journey, and

› in regard to Interstate Flight Inconvenience, a person who

travel services provider means a scheduled services airline,

trip (this definition only applies to Transit Accident) means

reach.

Upgraded Benefits means the insurance policy described in

Upgraded Benefits and your Certificate of Insurance.

valuables means articles made of, or containing, gold, precious

metals or stones, semi-precious stones or silver; binoculars;

furs; jewellery; precious metals; precious or semi-precious

stones; photographic, audio, video, tablet computer, computer

and electrical equipment of any kind (including but not

limited to devices such as drones, computer games, portable

navigation equipment or media); mobile phones; smart phones;

details of the insurance provided

– Copies of your eligible credit card account statement

If you want to make a claim under Benefit 1: Overseas

Emergency Medical and Hospital Expenses while overseas,

Bankwest or its agents will first need to confirm to us or

our agents that you are eligible for the cover. Without this

information, your claim may be delayed and it may not be

possible for us or our agents to give approval for overseas

medical attention.

Where, at our discretion, we honour a claim on the basis that

a Property Irregularity Report (PIR), travel documents,

– You must co-operate fully in the assessment or

investigation of your claim.

– Please take this booklet and any letter, confirming

approval and payment to cover existing medical

someone else, by direct credit to an Australian bank account

you nominate. In the case of your death we will pay your

estate.

In the case that policy condition 8. Other insurance pages

43-44 does not apply, if you can make a claim against

someone in relation to a loss or expense in respect of any of

the covers provided and they do not pay you the full amount

of your claim, we will make up the difference. You must claim

a right of subrogation in the following order:

1. To us, our costs (administration and legal) arising from the

recovery

2. To us, an amount equal to the amount that we paid to you

in respect of any of the covers provided

3. To you, your uninsured loss (less your excess)

4. To you, your excess.

Once we pay your total loss, we will keep all money left over.

If we have paid your total loss and you receive a payment from

If you are insured, or entitled to receive a benefit or make a

claim, under any other insurance policy in respect of the same

loss as your claim under our covers, then:

– you must give us full details of the other insurance policy,

party in respect of any of the covers provided.

You must assist us and give us permission to do everything

required to recover compensation or secure indemnity from

other parties, to which we may become entitled or subrogated,

upon us accepting your claim in respect of any of the covers

provided. This is regardless of whether we have yet paid your

claim, whether or not the amount we pay you is less than full

compensation for your loss or whether your claim is paid

under a non-indemnity or an indemnity clause.

be an admission of liability.

Medical standards, sanitary conditions, reliability of telephone

systems and facilities for urgent medical evacuations differ

from country to country. Responsibility for any loss, medical

complication or death resulting from any factor reasonably

beyond our control cannot be accepted by our emergency

assistance, Bankwest, Cover-More or us.

Notwithstanding any other terms, we shall not be deemed to

provide cover or make any payments or provide any service

we automatically include cover for that condition or you

apply for and obtain existing medical condition cover for that

condition.

However, if you are 79 years of age or less at the relevant

time, cover for some existing medical conditions may be

automatically included, as described on pages 46-48;

or where you have applied to cover your existing medical

conditions, the application has been approved by us and you

have paid us the required premium.

If you apply for cover for your existing medical condition

we will not pay any claims which in any way relate to, or are

pay for any overseas medical emergency and any associated

costs, which can be prohibitive in some countries.

You cannot apply to cover the existing medical conditions of

any relative (other than the cardholder’s spouse if they are

under 80 years of age at the relevant time and the cardholder’s

accompanied children), a travel companion or any other

person.

department attendance) for that condition

– prior to the relevant time, you have not had surgery

involving any joints, the back, spine, brain or abdomen

requiring at least an overnight stay in hospital for that

condition, and

– your condition meets any criteria shown for that condition.

Acne Eczema

ADHD (Attention Deficit

Hyperactivity Disorder)

Coeliac Disease Lipoma

Congenital Adrenal

Hyperplasia

Congenital Blindness Meniere’s Disease

Congenital Deafness Rhinitis

Conjunctivitis Rosacea

Dengue Fever Sinusitis

Dry Eye Syndrome Tinnitus

Dupuytrens Contracture

– you are not currently waiting to

– you have not previously been

Asthma Provided you:

– are under 60 years of age

– have not smoked for at least the

(type 1 or type

2) or glucose

intolerance

– you are under 50 years of age

– first diagnosed more than six

– no complications in last 12 months

– no kidney, eye or neuropathy

– no cardiovascular disease.

3. expenses arising from any disease that is transmitted

when giving or taking a drug, unless the giving or taking of

the drug is supervised by a medical practitioner and the

and ongoing immunisations) you were on prior to the start

of the journey

7. medical treatment, dental treatment or ambulance

transportation, which is provided in your country of

residence

8. claims where you have received medical care under a

Reciprocal Healthcare Agreement

9. expenses if, despite the advice given following your call to

our 24 hour emergency assistance provider, you received

private hospital or medical treatment where public funded

advice we have obtained, and we will not be responsible

for subsequent medical, hospital or evacuation expenses,

or

12. any expenses for medical evacuation unless it has been

first approved by our emergency assistance team. If your

claim is coverable, we or our emergency assistance team

will not unreasonably withhold or delay our acceptance.

unexpected event caused by something external and visible or

2. any reasonable legal costs incurred by you for settling or

defending a claim made against you, providing you have

our approval, in writing, before incurring these costs.

You must tell us, as soon as you or your personal

representatives are aware, or a reasonable person in your

circumstances should have been aware, of a possible

prosecution, inquest, fatal injury, accident or incident that

might lead to a claim against you.

You must not pay, or promise to pay, settle with, admit or deny

liability to anyone who makes a claim against you without our

– We may consider valuation certificates (issued prior to

Our payment will not exceed the original purchase price of an

item with a limit for any one item, set or pair of items including

attached and unattached accessories for personal goods of

up to $3,500 per item for cameras, video cameras, laptop and

– Charm bracelet and charms.

originally for the item, its age, wear and tear, and advances in

Where the item is part of a pair or set, you will receive no more

your death we will pay your estate the amount shown in the

table below provided your death occurs within one year of the

This benefit is also available if, during your journey, something

a transport provider, including any loss from the point of

check in until collection by you from the baggage carousel

or collection area at the end of your flight, journey or

4. valuables left unattended in a motor vehicle at any time,

even if stored in a concealed storage compartment

unable to supply the IMEI (International Mobile Equipment

Identity)

10. an electrical or mechanical fault or breakdown

photographic or video equipment), unless the loss or

damage is caused by thieves, burglars, fire, or a collision

(not

costume

Communication

devices, all

computers,

electrical devices,

electronics

equipment,

items

0% 60% 60%

The maximum benefit limit for this section is:

$20,000 $30,000

b. unattended in a public place

c. behind in/on any aircraft, bus, car, cruise ship, peer to

peer service type transport vehicle (including but not

limited to Uber), rental car, ship, taxi, train, tram or any

other vehicle or vessel

d. behind, forgotten, misplaced or walked away from in a

public place

e. unattended in any motor vehicle overnight even if they

were in a concealed storage compartment

f. unattended in any motor vehicle other than overnight,

from inherent defects in the personal goods, or

With the exception of Benefit 5. Additional Expenses

and Benefit 6: Cancellation Costs which are included

at no additional charge for World Mastercard

cardholders, to get these optional benefits you

need to have applied for Upgraded Benefits on the

Bankwest website or App or over the phone and paid

the required premium.

You cannot obtain Upgraded Benefits after

commencing the journey other than cover for an

additional period of time.

Information pages 29-58.

You must also check General exclusions, pages

53-58, for other reasons why we will not pay.

The benefit limits include family when travelling with

the cardholder unless specified otherwise.

earthquake or flood.

In any event, you must take advantage of any pre-arranged

the event that gave rise to the claim, we will reduce the amount

of your claim by the price of the fare to Australia from the

place you planned to return to Australia from. The fare will be

at the same fare class as the one in which you left Australia.

The maximum benefit limit for this section is:

premium.

If, due to circumstances outside your control and

unforeseeable at the relevant time:

1. you have to rearrange your journey, we will pay the

reasonable cost of doing so (we will not pay more for the

cost of rearranging your journey than the non-refundable

costs that would have been incurred had the journey

been cancelled. The cover is limited to the same or

similar standard of transport and accommodation as was

and your claim is caused by your death, injury, sickness

or disease, you are not covered under these sections.

Further Covers

For medical related claims, cover is subject to the written

advice of the overseas treating medical practitioner and

acceptance by our 24 hour emergency assistance team. If your

claim is coverable, we or our emergency assistance team will

not unreasonably withhold or delay our acceptance.

Cover in any event ceases when you are able to continue your

any of the following reasons:

1. You or your travel companion cannot travel because of a

disabling injury, sickness or disease in the period of cover

and the treating medical practitioner certifies in writing

that you or your travel companion are unfit to travel

2. You shorten your journey and return to Australia on the

written advice of a qualified medical practitioner.

3. You are required to return early to Australia because

your travel companion or a relative of either of you dies

unexpectedly or suffers a disabling injury, sickness or

4. the disinclination of you or your travel companion to

companion being certified by a qualified medical

situation. This exclusion does not apply to claims where

redundant from permanent full-time employment in

Australia and where you would not have been aware

before, or at the relevant time, that the redundancy was to

occur

scheduled or connecting transport, unless it is due to

a strike, riot, hijack, civil protest, weather, mechanical

breakdown, natural disaster or a collision affecting your

mode of transport

8. failure by you or another person to obtain the relevant visa,

arrangement

10. the standards and expectations of your prepaid travel

arrangements being below or not meeting the standard

expected

11. the failure of any travel agent, tour operator,

accommodation provider, airline or other carrier, car

rental agency or any other travel or tourism services

provider to provide services or accommodation due to

their insolvency or the insolvency of any other person,

company or organisation they deal with

denied, or your or your travel companion’s leave being

a. the value of the unused portion of your prepaid

travel or accommodation arrangements that are

non-refundable and not recoverable in any other way

travel agent: the travel agent’s commission is limited

to the lesser of $1,000 or the amount of commission

the agent had earned on the prepaid refundable

amount of the cancelled travel arrangements)

b. the value of frequent flyer or similar flight reward

points, air miles, redeemable vouchers or similar

schemes lost by you following cancellation of the

services paid for with those points, if you cannot

recover your loss in any other way.

The proportion of any trip costs for a travelling companion not

insured on this policy is not claimable. This applies even if the

trip was paid for by someone insured on this policy.

connected with them using violence or the threat of violence,

$20,000 (up to $100 per person per 24 hours)

We will not pay for:

1. claims if you have not obtained Upgraded Benefits and

paid the required premium.

If any of your personal goods are delayed, misdirected or

misplaced by the carrier during your journey for more than 12

hours we will reimburse you up to a maximum amount of $600,

per person, for underwear, socks, toiletries, non-prescription

This section does not apply on the leg of the journey that

returns you home.

The maximum benefit limit for this section is:

cardholder only cardholder with family

$600 $1,200 (up to $600 per person)

We will not pay for:

1. expenses you incur if you are entitled to compensation

from the carrier you were travelling on for the relevant

amount claimed. However, if you are not reimbursed

purpose that you were using it

3. any damage sustained to a rental vehicle while it is being

driven on an unsealed surface

4. administration costs or loss of use penalties, or

5. claims if you have not obtained Upgraded Benefits and

paid the required premium.

your abductors, which results in your release, if you are illegally

abducted overseas on the journey and forcibly held hostage

instructions

– immediately advise us of the situation

– keep identifying details of the money (e.g. serial

numbers) or other property handed over to secure

your release, and

– provide us with a police report of the event.

The maximum benefit limit for this section is:

$250,000

We will not pay for:

overseas

2. kidnapping that occurs in the countries or territorial waters

of Mexico, the Philippines, Somalia or in any country (or

its territorial waters) located in Central America or South

America, or

3. claims if you have not obtained Upgraded Benefits and

paid the required premium.

$1,100 for a cardholder with their family, for your reasonable

This benefit is only payable when you supply receipts for

confirming the period of delay.

wholesaler, tour operator or booking agent, or

2. claims if you have not obtained Upgraded Benefits and

paid the required premium.

If your return to Australia is delayed because of events covered

under this policy, or your scheduled transport back to Australia

is delayed for reasons beyond your control (including a cyber

incident), the period of cover will automatically be extended for

a period of four weeks.

During this period we will pay any additional boarding fees for

($50 per 24 hours) $1,000 ($50 per 24 hours)

We will not pay for:

1. claims if you have not obtained Upgraded Benefits and

paid the required premium.

a. We will pay you for the cost of replacing travel documents

and credit cards lost or stolen oduring the period of

cover. We will also pay for your legal liability arising from

their illegal use. You must, however, comply with all the

The maximum benefit limit for this section is:

cardholder cardholder with family

We will not pay for:

1. loss or theft that is not reported to the:

a. police or security personnel, or

b. issuing bank.

All cases of loss or theft must be reported as soon as

possible and within 7 days. A copy of the relevant report

or issuing company to you as the holder of the transaction

cards or travellers cheques

3. your failure to comply with the recommended security

guidelines for the use of bank or currency notes, cheques,

credit card, postal or money orders or petrol coupons

4. cash, bank notes, currency notes, postal or money orders

not on your person or in a locked safe or safety deposit

box at the time they were stolen, or

5. claims if you have not obtained Upgraded Benefits and

paid the required premium.