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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
that is the departure point for your journey.
The journey ends when the first of the following occurs:
• For the Overseas Travel Policy, 3 consecutive months after
the date of departure shown on a Gold or Platinum personal
and business cardholder’s return overseas travel ticket, (12
consecutive months for Diamond, Smart Awards or Ultimate
Awards cardholders)
• For any Upgrades, the end date of the period of cover
shown on the Certificate of Insurance subject to a
maximum duration limit of 12 months from the time you
activated your first Overseas Travel Policy for the same
journey.
• At midnight on the date when the cardholder’s scheduled
transport (as shown on their return overseas travel ticket) is
due to arrive in Australia
• When you return to your home, provided you travel directly
there from the Australian air or sea terminal where you
landed
• When the cardholder cancels their return overseas travel
ticket
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.
medical practitioner means a doctor, psychiatrist, clinical
psychologist or a dentist, who is not you, your travel companion
or a relative, or an employee of you, your travel companion or a
relative, registered with and accredited by the Australian Health
Practitioner Regulation Agency (AHPRA). Or, if you are overseas,
an equivalent regulatory body in the country in which they are
currently practising and qualified to give the diagnosis being
provided.
natural disaster means a major adverse event resulting
from natural processes of the Earth; examples are bushfire,
hurricane, tornado, volcanic eruption, earthquake, tsunami,
falling object from space (including a meteorite), and in
general any extraordinary atmospheric, meteorological, seismic,
or geological phenomenon. It does not mean epidemic or
pandemic.
o-piste means areas that are not groomed terrain, marked
slopes, or open trails maintained, monitored and patrolled by the
ski resort.
on-piste means areas that are groomed terrain, marked slopes,
and open trails maintained, monitored and patrolled by the ski
resort.
overseas means outside Australia and its territories.
Overseas Travel Policy means the insurance policy described
in Overseas Travel Policy and on the cardholder’s current
Certificate of Insurance.
pandemic means an epidemic that is expected to aect an
unusually large number of people or involves an extensive
geographic area.
period of cover means the time when you are covered.
a. It starts:
i. for the Overseas Travel Policy:
• Benefit 5: Cancellation Costs – from the issue date
shown on the Certificate of Insurance provided
the cardholder fully completed the eligibility
requirements and any applicable Upgrades
• For all other benefits – the start date on the
Certificate of Insurance provided the cardholder
fully completed the eligibility requirements, and
ii. for Upgrades, at the start date on the Certificate of
Insurance provided the cardholder fully completed the
eligibility requirements.
b. It ends at the earliest of the following times:
i. At the end of the journey
ii. When we determine that you should return to Australia
for treatment.
premium means the amount payable by you to us in relation to
Upgrades.
professional means undertaking any activity for which financial
payment is received from another person or party.
public place means any place the public has access to, including
but not limited to airports, bus terminals, buses, cruise ships,
planes, stations, taxis, trains, wharves and beaches, galleries,
hostels, hotels, hotel foyers and grounds, museums, private
car parks, public toilets, shops, streets, 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 the time you complete the activation
process via the NetBank or the CommBank app or by calling
Cover-More (refer to Step two ... activate cover on page 4).
It does not mean when you spend $500 in a single transaction
on your eligible credit card.