ANZ Frequent Flyer Visa Platinum Insurance Policy Information

ANZ Frequent Flyer Visa

Platinum Insurance Policy

Information

Important Policy Information

Each policy in this booklet has its own definitions, terms and conditions.

Coverage for an event under one policy does not automatically mean that

cover for the same or similar event will be provided under other policies.

Please read these policy documents carefully.

Index

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Transport Accident Cover 2

Important information about the covers provided by Zurich 30

90-day Purchase Security Insurance

Extended Warranty 40

Best Price Guarantee Scheme

Interstate Flight Inconvenience Insurance

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

The ANZ Frequent Flyer Visa Platinum Overseas Travel and Medical

Insurance has been issued by American Home Assurance Company

ABN 67 007 483 267, AFS Licence No. 230903, s/o – 07/00893,

incorporated with Limited Liability in the USA, trading as AIG Australia of

549 St Kilda Road, Melbourne, Victoria 3004 under a Master Policy.

Overseas Travel and Medical Insurance issued to Australia and New

Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 of Level 6,

100 Queen Street, Melbourne, VIC, 3000.

ANZ is not the issuer of the

ANZ Frequent Flyer Visa Platinum Overseas

Travel and Medical Insurance and neither ANZ nor any of its related

corporations guarantee any of the benefits under this Policy. The cover is

provided at no additional cost to the

Cardholder and ANZ does not receive

any commission or remuneration from AIG Australia for arranging the

Insurance Policy.

Neither ANZ nor any of its related corporations are Authorised

Representatives (under the Corporations Act 2001) of AIG Australia.

ANZ may terminate the

ANZ Frequent Flyer Visa Platinum Overseas Travel

and Medical Insurance with AIG Australia at any time and will provide written

notification to their

Cardholders. Purchases made in accordance with this

ANZ Frequent Flyer Visa Platinum Overseas Travel and Medical Insurance

before a notification to terminate the cover is given will be covered under

this Overseas Travel and Medical Insurance. Purchases made after this

notification to terminate is given will not be eligible for cover under this

ANZ Frequent Flyer Visa Platinum Overseas Travel and Medical Insurance.

Policy Administration and Claim enquiries

Please contact AIG Australia on

1800 339 665

Head Office:

549 St Kilda Road

Melbourne

Phone: (03) 9522 4000

Fax: (03) 9522 4651

Emergency And Medical Assistance Services – AIG Assist

In the event of an emergency overseas, simply call (reverse charge) AIG

Assist any time from any place in the world:

1. Ring the operator in your current locality; and

2. Book a reverse charge call to Australia

61 (2) 9251 4298

The number underlined is the country code and the number in brackets is

the area code.

For the purposes of this Policy:

• Travel by Australian residents to and from Norfolk Island, Lord Howe Island,

Cocos Islands and Christmas Island will be regarded as overseas travel.

• No medical and hospital expenses are covered within Australia.

• Domestic air travel required to connect with overseas travel or domestic air

travel forming part of the overseas travel will be regarded as overseas travel.

However medical and hospital expenses are not covered within Australia.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Schedule of Benefits and Sum Insured

This is a summary of cover only and the Policy is subject to terms,

condition, limits and exclusions. Values shown below represent the

maximum sum insured in Australia Dollars. Please note, not all Policy

benefits and benefit amounts are shown below. In some cases sub-limits

apply or the benefits may not be available to you. Please read the entire

Policy to ensure it meets your requirements.

Section Benefits Maximum Sum

insured for

persons 80 years

of age or under

unless otherwise

stated below

Policy

Excess

Section 1 Overseas Medical, Dental

and Additional Expenses

1.1 Overseas Medical

and Dental

(1) Overseas Medical

Expenses

Unlimited $200

(2) Overseas Dental

Expenses

$2,000 $200

1.2 (1) Additional Expenses

Unlimited $Nil

(2) Resumption of

Overseas Journey

$3,000

Cardholder only,

$Nil

$6000

Cardholder and

family

$Nil

(3) Travel Delay $500 for

Cardholder only,

$Nil

$1000

Cardholder and

family

$Nil

(4) Missed Connection $2,000

$Nil

(5) Return of Hire Vehicle

$500 $Nil

(6) Hire Vehicle Excess

Waiver

$2,000

$Nil

(7) Funeral Costs $20,000

$Nil

(8) Cash in Hospital $7,500 for

Cardholder only,

$Nil

$15,000 for

Cardholder and

family

$Nil

(9) Hijack $10,000 for

Cardholder only,

$Nil

$20,000 for

Cardholder

and family

$Nil

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Section Benefits Maximum Sum

insured for

persons 80 years

of age or under

unless otherwise

stated below

Policy

Excess

(10) Mugging

$500

$Nil

(11) Domestic pets extra

boarding fees

$500 per event

$Nil

Section 2 Cancellation and Amendment

Costs

2.1 Cancellation Costs $ Unlimited

(except Agent

fees – cover 15%

of the cost up to

a maximum of

$1000)

$Nil

2.2 Amendment Costs $ Unlimited

$Nil

Section 3 Luggage and Travel

Documents

3.1

Luggage $12,000 for

Cardholder only,

$200

$24,000 for

Cardholder and

family.

$200

3.2 Emergency Purchase/

Mislaid Luggage

– after 12 hours $400 for

Cardholder only,

$Nil

$800 for

Cardholder and

family

$Nil

– after 72 hours $800 for

Cardholder only,

$Nil

$1600 for

Cardholder and

family

$Nil

3.3 Travel Document,

Credit Cards or Traveller

Cheques

Included in sum

insured under

3.1 above.

$Nil

Section 4 Accidental Death, Disability

and Loss of Income

4.1 Death and Disability $50,000

Cardholder

$50,000

Spouse

$1,000 each

dependent child

$Nil

4.2 Loss of Income

$9,000 $Nil

Section 5 Liability

$2,500,000 $Nil

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

IMPORTANT MATTERS

1. Activation of Cover

In order for

You to receive cover under this Policy for Your Journey, You must:

• Continue to be a current holder of an

ANZ Frequent Flyer Visa Platinum

card, and

• Prior to the commencement of

Your Journey, purchased with Your ANZ

Frequent Flyer Visa Platinum account a minimum of $250 for Your pre-

booked transport costs (airfares and/or cruise) and/or land content (tours,

hire cars or other hired transport and accommodation), and

• This payment must be debited to

Your account prior to Your departure from

Australia.

We will not respond to any claim until We have received proof of

this payment by You, and

• You hold a ticket to return You to Australia, and that return must be within

six months of the commencement of

Your Journey.

Should You hold a date changeable ticket and You subsequently decide

to amend Your itinerary that changes Your travel duration to beyond six

months, all cover under this policy will cease immediately from the time

You make the change to Your itinerary.

2. The Policy is a contract of insurance between the ANZ and

Us. It is not a

contract between AIG Australia and

You.

3. Age Limit

Your cover under this Policy is conditional upon You being 80 years of age

or under at the time

You activated Your cover.

Your cover under this Policy is conditional upon You being a permanent

resident of Australia intending to conclude

Your Journey in Australia.

5. Pre-existing Medical Condition(s)

This policy does not provide any benefits for any

Pre-existing Medical

Condition(s) You have or any Pre-existing Medical Condition(s) of a

Relative, Travelling Companion or any other person that may give rise

for

You to claim. Please refer to the definition section and General Policy

Exclusions section for further information.

You cannot apply for cover for Pre-existing Medical Conditions of any

person not insured under this policy.

• If

You wish to apply for cover for Your Pre-existing Medical Condition(s)

please contact AIG Assist before

You leave Australia, on 1800 009 391.

We agree to cover Your Pre-existing Medical Condition(s), AIG Assist

will send

You a letter confirming that Your Pre-existing Medical Condition

is covered under this policy for the

Journey in question and whether the

cover is subject to any special conditions.

If We agree to cover some or all of Your Pre-existing Medical Conditions

an administration fee of $75 per person is payable to cover the cost of the

assessment.

We will not pay claims resulting from Luggage Left Unsupervised in Public

Place.

7. If

You have a loss, You must tell Us in writing within 30 days of returning

from

Your Journey. If Your Journey is cancelled, You must write to Us within

30 days of the cancellation.

We will give You a claim form, which You must

complete and send back to

Us with information which supports Your loss.

Please refer to the “How to make a Claims” section for full details.

You should consider whether the benefits offered under the ANZ Frequent

Flyer Visa Platinum Overseas Travel and Medical Insurance Policy are

appropriate for

Your circumstances. The terms and conditions under this

Policy cannot be amended or negotiated by

You.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

PRIVACY CONSENT AND DISCLOSURE

American Home Assurance Company, trading as AIG Australia, is a wholly

owned subsidiary of the American International Group (“AIG”).

AIG Australia has adopted the National Privacy Principles (“the NPPs”).

The NPPs may apply to any personal information collected by AIG Australia.

Purpose of Collection

AIG Australia collects information necessary to underwrite and administer

Your insurance cover, to maintain and to improve customer service.

You have a duty under the Insurance Contracts Act to disclose certain

information. Failure to comply with Your duty of disclosure or to provide

certain information may result in AIG Australia declining cover, cancelling

Your insurance cover or reducing that level of cover.

In the course of administering Your policy we may disclose Your

information to:

(i) another member of the AIG group of companies either in Australia or overseas.

(ii) contractors or third party providers providing services related to the

administration of Your policy.

(iii) ANZ and any member of the ANZ Group of companies involved in product

planning and development.

(iv) assessors, third party administrators, emergency providers, retailers,

medical providers and travel carriers in the event of a claim.

We will only disclose Your personal information to these parties for

the primary purpose for which it was collected. In some circumstances

AIG Australia is entitled to disclose Your personal information to third

parties without Your authorisation such as law enforcement agencies or

government authorities. However, health information relating to You or any

member of Your family will not be disclosed to these parties.

Access to Your information

You may gain access to Your personal information by making a written

request to AIG Australia.

In some circumstances, AIG Australia may deny access to Your personal

information.

Circumstances where access may be denied include where it would

compromise the privacy of other individuals, or where it would be unlawful.

AIG Australia has also established an internal dispute resolution process

for handling customer complaints and an access and correction procedure.

Both procedures are generally free of charge however AIG Australia

reserves the right to charge for access requests in limited circumstances.

If You feel You have a complaint about AIG Australia’s information Privacy

Principles and require assistance in lodging a privacy complaint or You

wish to gain access to the information, You may write to the Privacy

Manager, AIG Australia, 549 St Kilda Road, Melbourne, or e-mail

australia.privacy.manag[email protected]. Your complaint will be reviewed and

You will be provided with a written response. If it cannot be resolved, Your

complaint will be referred to AIG Australia’s internal Disputes Resolution

Committee who will respond within 15 working days of receipt of Your

complaint.

In either case the matter will be reviewed by a person or persons with

appropriate authority to deal with the complaint. The Privacy Compliance

Committee may refer a complaint to the Privacy Commissioner or another

code adjudicator where it is more appropriate to do so. A person aggrieved

by a determination made by the Privacy Compliance Committee may apply

to the Privacy Commissioner for a review of the determination.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

GENERAL POLICY CONDITIONS

1. General – At the commencement of the Period Of Insurance, You must be

medically fit to travel and do not and could not reasonably know of any

reason why

Your Journey may need to be cancelled or disrupted.

Australian Law – This Policy shall be interpreted in accordance with the law

of the State or Territory in Australia in which

You reside and be subject to

the jurisdiction of the courts of that State or Territory in Australia.

3. Currency – All amounts shown are in Australian Currency. If expenses are

incurred in a foreign currency, then the rate of currency exchange used to

calculate the amount payable will be the rate at the time of incurring the

expense or suffering a loss.

Cancellation or amendment of Cover – AIG Australia and ANZ may agree to

amend or terminate this

ANZ Frequent Flyer Visa Platinum Overseas Travel

and Medical Insurance at any time. AIG Australia may also refuse to cover

any individual

ANZ Frequent Flyer Visa Platinum Cardholder.

Any amendment, termination or individual termination must be by written

notification from

Us and/or ANZ by ordinary mail to Your last known place

of residence and will be deemed to take effect either:

a. on the third day after the date of the notice; or

b. in the event

You are on a Journey and cannot be contacted, immediately

upon

Your return to Your place of residence following Your Journey.

5. Cover will terminate immediately upon cancellation of

Your ANZ Frequent

Flyer Visa Platinum card for the following reasons:

a. cancellation by

You.

b. cancellation by

ANZ in accordance with its rights under the terms of

its contract with

You for the issue of Your ANZ Frequent Flyer Visa

Platinum.

6. If

You have a loss involving other persons or their property, You must not

tell them it was

Your fault or that You will pay them for the loss.

7. You must provide Us immediately with full particulars of any claim made

against

You by any other person, all legal documents served on You and

allow

Us the sole option to negotiate settlement of, or defend the claims in

Your name.

You must assist Us even after We have paid Your claim if We want to

defend

You against an allegation. This could include attending court to

give evidence.

Subrogation

• If

You can claim from anyone else and We also pay You, then You must

refund

Us the amount We paid if they pay You. You cannot claim from Us

and them unless

We are only making up the difference.

• You must assist Us even after We have paid Your claim if We want to

recover the amount of any payment from anyone who caused

You to suffer

loss or damage. This could include attending court to give evidence.

• You must not start any legal action before telling Us.

9. Fraudulent Claims – if any claim is in any respect fraudulent or if any

fraudulent means or devices are used by

You or any one acting on Your

behalf to obtain any benefit under this Policy then any amount payable in

respect of such claim shall be forfeited.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

DEFINITIONS

Words with a special meaning are shown in the policy in bold and in

capital letter.

ANZ means Australia and New Zealand Banking Group Limited ABN 11 005

357 522 and its successors and assigns.

ANZ Frequent Flyer Visa Platinum means an original and valid ANZ

Frequent Flyer Visa Platinum credit card account issued to a client of the

Australia and New Zealand Banking Group Limited, declared to be current

by Australia and New Zealand Banking Group Limited at the time of any

event, injury, loss or damage which would allow

You to claim under this

policy.

It does not include an additional or supplementary cardholder.

Business Partner means a person who is in a legal, commercial

partnership with

You in Australia. A business partner must be a permanent

resident of, and living in, Australia.

Cardholder means a primary cardholder of the ANZ Frequent Flyer Visa

Platinum credit card account.

Dental Expenses are costs You incur for emergency Dental Treatment.

Dental Treatment – is the emergency treatment of healthy natural teeth or

gums to stop sudden pain. This does not include normal or ongoing care of

teeth.

Dentist – is a general practitioner with the qualifications required to

practise dentistry.

Disablement/Disabled – means, for You or Your Travelling Companion, a

serious accident or illness, which requires immediate medical treatment

Dental Treatment by a Doctor or a Dentist. For a Relative or Business

Partner, it means a life threatening accident or illness.

Doctor – is a general practitioner registered to practise medicine.

Financial Default – means insolvency, bankruptcy, provisional liquidation,

liquidation, financial collapse, appointment of a receiver, manager or

administrator, entry into any official or unofficial scheme of arrangement,

statutory protection, restructuring or composition with creditors, or the

happening of anything of a similar nature under the laws of any jurisdiction.

Journey – means a continuous and unbroken period of up to six months

during which time

You are absent from Australia or its Territories. The travel

arrangements for the

Journey must be booked before You leave Australia

or its Territories and

must include a fixed date ticket returning You to

Australia within six months.

Luggage – means the personal items You take with You on Your Journey.

This includes items of clothing, personal jewellery, photographic and

video equipment, hearing aids, and purchases

You make overseas. It does

not include mechanical or machine parts, items for sale or cargo taken

with

You or purchased overseas.

Luggage Left Unsupervised – means, Your Luggage left:

1. with a person other than

Your Travelling Companion, or

2. in a position where it remains unsupervised for sufficient time for it to be

removed without

Your knowledge, or

3. at a distance which creates an opportunity for it to be taken without

reasonable chance of

You apprehending or identifying the thief.

Medical Expenses are costs You incur for Medical Treatment.

Medical Treatment includes, but is not limited to, medical and surgical

care, hospitalisation, medication, physiotherapy, special diet or exercise

programs, ongoing assessment or diagnostic investigations.

Original Journey – is the Journey You book before You leave Australia.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Period Of Insurance – means, in relation to different types of cover, the

following:

1. Cancellation cover under this policy starts from the date

You activated Your

cover in accordance with the criteria in the “Important Matters” section.

2. All other covers under this policy start when

You leave Your home in

Australia to start

Your Journey.

3. All cover under this policy stops when the first of the following happens:

a. the

Journey You booked ends, or

b. You return to Your home in Australia, or

You amend Your itinerary that changes Your travel duration to beyond

six months,

If something happens for which

You can claim under any of the sections

“What

We will pay for” (other than Liability), and this causes You to extend

Your Journey, cover under this policy will continue until You can reasonably

complete

Your Journey.

Pre-existing Medical Condition – means, pertaining to the ANZ Frequent

Flyer Visa Platinum Cardholder, any Relative, Travelling Companion or any

other person that may cause

You to claim:

a. any physical, medical or dental condition for which, treatment or advice

has been received (whether or not a diagnosis has been made), or

medication prescribed or taken:

i. in the 30 days (or 90 days for persons 75 years of age or over)

before the date on which

Your cover is activated in accordance with

the Activation of Cover criteria as stated in the “Important Matters”

section.

ii. In the 30 days (or 90 days for person 75 years of age or over)

before

Your Journey starts except for Section 2 Cancellation.

b. Any chronic or ongoing physical, medical or dental condition for which,

treatment or advice has been received (whether or not a diagnosis has

been made), or medication prescribed or taken at any time before

Your

cover is activated in accordance with the Activation of Cover criteria as

stated in the “Important Matters” section; or

c. Any complication arising from such condition outlined above.

Only the medical conditions listed below are automatically covered under

this Policy. In any other circumstance, a

Pre-existing Medical Condition(s)

cover application for additional cover is required. Please refer to the

“Important Matters” section for further details.

Condition Requirement

Asthma If no attack requiring treatment by a medical

practitioner in the last 12 months.

Cataracts If You have no ongoing complications, are not on

a waiting list for an operation and have not been

operated on in the last 30 days.

Diabetes –

Non Insulin

Dependent

If You were diagnosed over 12 months ago,

and have not had any complications in the last 12

months. You must have a blood sugar level reading

between 4 and 10.

Ear Grommets With no current infection.

Epilepsy If there is no underlying medical conditions and

You have not required treatment by a medical

practitioner for a seizure in the last 2 years.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Gastric Reflux If the condition does not relate to an underlying

diagnosis (ie. hernia gastric ulcer).

Gout If the gout has remained stable for more than 6

months.

Hiatus Hernia If no surgery is planned.

Hip Replacement If performed more than 6 months ago and less than

10 years ago.

Hypertension

(High Blood

Pressure)

If You have no heart conditions and Your

current BP reading is lower than 165/95.

Peptic Ulcer If the condition has remained stable for more than

6 months.

Pregnancy up to

and including

24 weeks

If no complications exist relating to this pregnancy

and the conception was not

medically assisted.

Underactive

Thyroid

If not as a result of a tumour.

Public Place –includes but is not limited to shops, airports, train stations,

bus stations, streets, hotel foyers and grounds, restaurants, beaches, public

toilets, and any places which the public has access. It does not include:

1. a place where only

You, Your Travelling Companion or Your

accommodation providers have access, or

2. the storage area of

Your accommodation or transport provider after they

have taken

Your Luggage from You to place it in safekeeping.

Reasonable – means:

1. for

Medical Expenses and Dental Expenses, that the care obtained should

be at the standard level given in the country

You are in, and must not

exceed the level of care

You would normally receive in Australia.

2. for all other expenses, such as transport, meals and accommodation, the

standard must not be better than the level

You booked for the rest of Your

Journey.

Relative – means a Spouse, parent, step-parent, parent-in-law, grandparent,

child, step-child, grandchild, brother, brother-in-law, sister, sister-in-law,

son-in-law, daughter-in-law, uncle, aunt, niece, nephew, first cousin, fiancé,

or fiancée, all permanently residing in Australia or New Zealand.

Spouse – means a legal or de facto Spouse or a partner who is in a

permanent relationship.

We may ask for proof of the marriage or a

permanent relationship.

Terrorism – means any actual or threatened use of force or violence

directed at or causing damage, injury, harm or disruption, or committing

of an act dangerous to human life or property, against any individual,

property or government, with the stated or unstated objective of pursuing

economic, ethnic, nationalistic, political, racial or religious interests,

whether such interests are declared or not. Robberies or other criminal

acts, primarily committed for personal gain and acts arising primarily from

prior personal relationships between perpetrator(s) and victim(s) shall

not be considered

Terrorism. Terrorism shall also include any act which is

verified or recognised by the (relevant) Government as an act of

Terrorism.

Travelling Companion – means the person/s You arranged to travel with

before

You left Your residence in Australia to commence Your Journey. This

person must be a permanent resident of Australia or New Zealand, and be

travelling with

You for at least 50% of Your Journey.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

War – means war or any warlike activities, including use of military force

by any sovereign nation to achieve economic, geographic, nationalistic,

political, racial, religious or other ends.

We, Our, Us means American Home Assurance Company A.B.N. 67 007

483 267 trading as AIG Australia (‘AIG Australia’).

You, Your means the person named as the account holder of an ANZ

Frequent Flyer Visa Platinum card (Insured Person) and includes Your

Spouse and dependent persons under 21 years of age and not in full time

employment who travel with you on

Your Journey. You, Your, excludes any

person aged over 80 years of age.

Additional or supplementary cardholders

who are not Your Spouse or dependent children under 21 years of age are

not covered.

GENERAL POLICY EXCLUSIONS

WHAT WE WILL NOT PAY FOR UNDER ANY TYPES OF

COVER

We will not pay claims for, or which are directly or indirectly caused by, any

of the following:

1. War, civil war, invasion, insurrection, revolution, use of military power or

usurpation of government or military power.

2. Nuclear explosion including all effects thereof; or radioactive contamination

caused by ionising radiation or contamination by radioactivity from any

nuclear fuel or from any nuclear waste caused by the combustion and or

ongoing combustion of nuclear fuel; or the radioactive, toxic, explosive or

other hazardous properties of any nuclear equipment or component thereof.

3. Loss of cash, bank notes or other negotiable documents.

4. Losses incurred if

You:

a. have not met the Activation of Cover criteria on the “Important Matters”

section;

b. do not have a ticket returning

You to Australia within six months of the

commencement of

Your Journey;

c. were over 80 years of age at the time

Your cover was activated.

Pre-existing Medical Conditions of any person. This includes You, Your

Travelling Companions, Your Relatives, or Your Business Partners. This will

not apply to

You if You have applied for and We have approved additional

cover for

Your Pre-existing Medical Condition(s). You cannot apply for

cover for

Pre-existing Medical Condition(s) of any person not insured

under this policy.

6. Pregnancy or childbirth. This does not include any medical complication

which occurs before the end of the 24th week of

Your pregnancy. The 24th

week is calculated using

Your estimated date of delivery given to Us by

Your Doctor.

7. Your failure to make reasonable efforts to:

a. safeguard

Your property. This includes failure to use any safe or safety

deposit facility made available to

You; or

b. avoid accidental injury; or

c. minimise

Your loss; or

d. avoid a loss, if there has been a warning given by the general media of

an intended strike, riot or civil commotion, severe weather.

8. a. Motor cycling unless the driver has a current motor cycle licence. This

applies even if the driver is not required to hold a motor cycle licence

because the driver has a motor vehicle licence, or a motor cycle licence

is not required by law.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

b. Hunting.

c. Racing, other than on foot.

d. Any sporting activity

You play in a professional capacity, or for which

You receive a financed sponsorship.

e. Polo.

f. Diving with an artificial breathing device. This does not apply if

You

have an open water diving certificate or are being directly supervised by

a qualified diving instructor.

g. Travel in, or attached to, any air supported device (eg. a hang glider).

This does not apply if

You are a passenger in a fully licensed passenger

aircraft operated by a airline or air charter company.

h. Mountaineering or rock climbing if

You need to or reasonably ought to

use climbing equipment.

i. Yachting which involves sailing in international waters.

9. Your or any other person’s suicide or attempted suicide or intentional self-

injury.

10. Nervous, anxiety, depression or stress related disorders resulting in a

disinclination to travel.

11. Any sexually transmitted or transmissible disease.

12. Any disease transmitted by

You.

13.

You having a blood alcohol content over the prescribed legal limit when

driving or operating any motor vehicle, and/or being under the influence

of any drug other than a drug administered by, or in accordance with the

advice of a legally qualified medical practitioner.

14. Telephone or transport costs in connection with any claim, unless cover is

specifically noted under the policy.

15. Any consequential loss including loss of enjoyment or any financial loss

not specifically covered in this Policy.

16. Any illegal or unlawful act by

You. This includes any loss because of Your

legal detention, or the legal confiscation or destruction of

Your property.

17. Breach of any government prohibition or regulation. This includes

Your failure

to obtain a visa, work permit or passport, when

You are required to do so.

18. Any act of violence by

You.

19. Additional

ANZ Frequent Flyer Visa Platinum cardholders unless they are

the

Spouse or dependent children of the ANZ Frequent Flyer Visa Platinum

Cardholder and are accompanied by the ANZ Frequent Flyer Visa Platinum

Cardholder. This exclusion will not apply while the Spouse or dependent

child is travelling directly to the

ANZ Frequent Flyer Visa Platinum

Cardholder from Australia, or directly to Australia, after departing from the

accompanied

ANZ Frequent Flyer Visa Platinum Cardholder.

20. The failure of any travel agent, tour operator, accommodation provider,

airline or other carrier, car rental agency, or any other travel or tourism

service provider to provide services or accommodation due to their

Financial Default, or the Financial Default of any person, company or

organisation they deal with.

TYPES OF COVER

Section 1 – Overseas Medical, Dental and Additional Expenses

1.1 Overseas Medical and Dental Expenses

Subject to the excess set out in the Schedule We will pay:

Your Reasonable Medical Expenses and Dental Expenses for Medical

Treatment and Dental Treatment, if You are Disabled during Your Journey.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

This Medical Treatment or Dental Treatment must be authorised by Your

treating

Doctor or Dentist. For Medical Expenses, We will not pay more

than the

Reasonable Medical Expenses that are charged within 12 months

of the date of

Your Disablement. For Dental Expenses, We will not pay

more than $2,000 in total. (Please refer to the Definition section)

1.2 Additional Expenses

(1) Additional Accommodation and/or travelling expenses

Subject to the excess set out in the Schedule

We will pay:

1. Your Reasonable additional accommodation and/or travelling expenses if

You become Disabled.

Reasonable accommodation and/or travelling expenses (including the

costs of meals over and above the amount

You had already budgeted for,

less any refund received for the unused prepaid travel and accommodation

arrangements), for one of

Your Travelling Companions, Your Spouse,

Your next of kin if, on Your treating Doctor’s or Dentist’s advice, they

travel to

You or stay with You while You are Disabled. We will also pay

their accommodation and travelling expenses if they need to escort

You to

Australia or another place.

3. Your Reasonable expenses for moving You to another place or back to

Australia if

You become Disabled, and Our Doctor or Dentist agrees with

Your treating Doctor or Dentist that You should be moved urgently. We will

control this move.

Your Reasonable additional accommodation and/or travelling expenses if

You are delayed because:

a. the transport

You booked is cancelled, delayed or diverted due to a

strike, riot, civil commotion, or hijack, or

b. You lose Your passport or travel documents, or

c. You unknowingly breach a quarantine regulation, or

d. there is a natural disaster or severe weather, or

Your Travelling Companion is Disabled, or

f. there is a railway, motor vehicle, marine or aircraft accident.

Please note:

You must provide written proof of the delay, from the carrier.

5. Your Reasonable expenses for the cost of returning You to Australia if:

Your Travelling Companion becomes Disabled, or

Your home where You normally live, in Australia, is destroyed by fire,

explosion, earthquake or flood, or

Your Relative, or Your Travelling Companion’s Relative, or Your

Business Partner unexpectedly dies or becomes Disabled. (These

persons must be permanent residents of Australia or New Zealand).

Note: If

You want a fare upgrade for Your return to Australia You must get

Our agreement before You make the booking.

(2) Resumption of Overseas Journey

Subject to the excess set out in the Schedule

We will pay:

For

You to return overseas, if We have returned You to Australia following

Your Disablement or the death or Disablement of Your Relative, Your

Travelling Companion, Your Travelling Companion’s Relative or Your

Business Partner. We will only pay this if:

1. the

Journey has not ended and there is at least a quarter of the Journey

remaining, or 14 days, whichever is the greater, and

2. the death or

Disablement occurred after You booked Your travel

arrangements in Australia.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

We will only pay the cost of a one-way ticket to the location which, at the

time of

Your return, was stated on Your original itinerary, as Your expected

destination at the date of

Your return. If We have used Your original return

tickets to return

You to Australia, We will provide You with return tickets.

The most

We will pay is $3,000, if the ANZ Frequent Flyer Visa Platinum

Cardholder is travelling alone, and $6,000 if the holder is travelling with

their

Spouse and/or dependent children under 21 years of age.

(3) Travel Delay

Subject to the excess set out in the Schedule

We will pay:

Reasonable and additional costs

You incur for accommodation and

meals until

Your Journey is restarted or cancelled. We will only pay if You

are delayed for more than 6 hours because

Your scheduled transport is

delayed, and the delay is not

Your fault. The most We will pay is $500, or

$1,000 if the

Cardholder is travelling with their Spouse and/or dependent

children under 21 years of age.

(4) Missed Connection

Subject to the excess set out in the Schedule

We will pay:

The Reasonable costs

You incur for alternate transport or services You

need to arrange if

You miss, or are going to miss, Your transport to attend

a special event which cannot be delayed because

You are absent. We will

only pay this if

You have already booked and paid for the transport with a

registered transport provider and

You are unable to reach Your transport due to unforseen or unforeseeable

circumstances beyond

Your control, and You have already booked and

paid for the transport with a registered transport provider, and

You are unable to reach Your transport due to unforseen or unforeseeable

circumstances beyond

Your control, and the reason for the delay is not the

cancellation of the transport.

This does not apply if

Your transport is cancelled. Special events include

weddings, funerals, conferences, major sporting events and major concerts.

The most

We will pay is $2,000.

(5) Return of Hire Vehicle

Subject to the excess set out in the Schedule

We will pay:

The

Reasonable costs You incur to return Your hired vehicle to the nearest

depot, if

You have a hired vehicle, and Your overseas Doctor or Dentist gives

You a certificate to say You are unfit to drive. The most We will pay is $500.

(6) Hire Vehicle Excess Waiver

Subject to the excess set out in the Schedule

We will pay:

The excess

You must pay the rental company if You are involved in an

accident in a vehicle

You hired, or the hired vehicle is subject to theft or

malicious damage.

We will only pay this if You have observed all the terms

and conditions of the rental agreement.

We will not pay for any amount You are liable to pay arising out of Your

acceptance of an additional excess to reduce hiring fees.

The most

We will pay is $2,000.

(7) Funeral Costs

Subject to the excess set out in the Schedule

We will pay:

For overseas funeral, cremation costs or the cost of returning

Your remains

to Australia. The most

We will pay is $20,000.

(8) Cash in Hospital

Subject to the excess set out in the Schedule

We will pay:

You become Disabled and are hospitalised overseas, We will pay You

$75 for every 24 consecutive hours

You are Disabled and kept in hospital

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

overseas. The most We will pay is $7,500 if the ANZ Frequent Flyer Visa

Platinum Cardholder is travelling alone, and $15,000 if the holder is

travelling with their

Spouse and/or dependent children under 21 years of age.

(9) Hijack

Subject to the excess set out in the Schedule

We will pay:

$1,000 for each person for every 24 hours

You are detained, if Your public

transport is forcibly and violently seized for the purposes of extortion,

or any other illegal reason. The most

We will pay is $10,000 if the ANZ

Frequent Flyer Visa Platinum Cardholder is travelling alone, and $20,000

if the

Cardholder is travelling with their Spouse and/or dependent children

under 21 years of age.

(10) Mugging

Subject to the excess set out in the Schedule

We will pay:

You $500 if You suffer an injury and are hospitalised as an in-patient as

the result of a mugging attack.

You must report the mugging to the police

within 24-hours of the attack, and obtain a police report.

(11) Domestic pets

Subject to the excess set out in the Schedule

We will pay:

You up to $50 for each 24-hour period towards additional boarding fees

charged for

Your domestic pet/s that You have placed in boarding while

You are on Your Journey. The most We will pay is $500.

We will only pay this if You are delayed beyond Your original return date and

the delay was not

Your fault, and You provide proof of Your additional fees.

In addition to the General Policy Exclusions, We will NOT pay under Section

1 – Overseas Medical, Dental and Additional Expenses for:

Your return airfare, to Australia, if You have not already booked and paid

for it before

Your claim and before We return You to Australia.

We will deduct the cost of this fare from any claim where We have returned

You to Australia.

2. any

Medical Expenses, Dental Expenses or additional expenses from the

date

We ask You to move (and Our Doctor agrees with Your treating Doctor

that

You could be moved), and You refuse to move or Your Spouse or

Relative refuses to allow You to be moved.

3. any M

edical Expenses, Dental Expenses or additional expenses, if You

travel against medical advice or travel to obtain

Medical Treatment or Dental

Treatment, even if it is for an approved Pre-existing Medical Condition.

Medical Expenses, Dental Expenses or additional expenses for any

Pre-existing Medical Condition of any person. This will not apply to non-

routine

Medical Treatment or Dental Treatment for Pre-existing Medical

Condition(s) that You have applied for and We have approved. No cover is

provided for routine

Medical Treatment or Dental Treatment, even if Your

Pre-existing Medical Condition(s) has been approved.

5. Ongoing physiotherapy or manipulative therapy after

You have been

Disabled, unless Your Doctor recommends it in writing.

Medical Treatment or Dental Treatment provided in Australia.

7. any expenses relating to the death or

Disablement of any Relative or

Business Partner who is not a permanent resident of, and living in,

Australia or New Zealand at the time of the death or

Disablement.

8. additional travel or accommodation expenses, if

You have received cancellation

costs under the Cancellation section of the policy, for the same period.

9. any additional expenses (other than section 1.2(1) point 3 under

Additional Expenses)

You incur resulting from any act of Terrorism.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Note: There are other limits on Your cover for medical, dental and

additional expenses under the “Important Matters” section and General

Policy Exclusions section.

Section 2 – Cancellation/Amendment Costs

2.1 Cancellation Costs

Subject to the excess set out in the Schedule We will pay:

Any amount

You have paid in advance for Your travel arrangements that is

unused and

You are unable to recover.

This only applies if

You must cancel Your Journey due to unforseen or

unforeseeable circumstances outside

Your control.

This amount includes

Your travel agent’s cancellation fees up to $1,000, or

15% of the total

Journey cost, whichever is the lesser.

You have paid for Your Journey using frequent flyer points, or similar air

travel points, and

You cannot recover the lost points from another source,

We will pay You the value of Your lost points. The way We calculate the

amount

We will pay You is to obtain the cost of an equivalent class airline

ticket based on the quoted retail price at the time the original ticket was

issued, less

Your financial contribution, and multiply this figure by the

total number of points lost, then divide by the total number of points used

to obtain

Your original ticket.

Valid reasons for cancellation include, but are not limited to:

a. death or

Disablement of Your Travelling Companion, Your Relative, Your

Travelling Companion’s Relative or Your Business Partner. These persons

must be permanent residents of, and living in, Australia or New Zealand.

We will not pay if their death or Disablement is due to a Pre-existing

Medical Condition.

Your need to sit for supplementary exams or to attend for jury duty.

c. declaration of a state of emergency and

You are required to attend

because

You are employed by the state police or federal police, fire or

ambulance brigade, or the armed forces.

Your unexpected retrenchment. This does not include Your voluntary

retrenchment.

2.2 Amendment Costs

Subject to the excess set out in the Schedule We will pay:

The

Reasonable costs of re-scheduling Your Journey if You are unable to

travel on

Your original departure date due to unforeseen or unforeseeable

circumstances.

The amount

We will pay you will not be more than the amount We would

have paid for cancellation costs fees of lost deposits that would have been

incurred had

Your Journey been cancelled.

Your reason for re-scheduling Your Journey was due to Your injury or

illness,

Your injury or illness may become a Pre-existing Medical Condition

for

Your new period of Journey. You may be required to apply for cover for

Your injury or illness for Your new period of Journey. Please see details

under the “Important Matters” section.

In addition to the General Policy Exclusions,

We will not pay under Section

2 – Cancellation and Amendment Costs:

For losses directly or indirectly caused by:

1. claims arising from cancellation, delays or rescheduling caused by carriers.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

2. any business, financial or contractual obligations of You, or any other

person, including but not limited to, not being able to take leave from that

employment. This exclusion will not apply to section 2.1 (c) and (d) and to

You being retrenched from Your usual full time employment in Australia.

You making a booking through an unlicensed travel agent.

Your tour operator not being able to make Your booking because there are

not enough people to book the tour or a part of the tour.

You, or Your Travelling Companion deciding to change Your plans, or no

longer wanting to travel.

6. a prohibition or regulation by any government (eg.

You cannot enter a

country because

You do not have a visa).

7. any act of

Terrorism.

8. cancellation costs for accommodation for days lost due to transport

provider delays where the transport provider has provided alternate

accommodation.

9. any psychological, psychiatric or psychosomatic conditions resulting in a

disinclination to travel.

Note: There are other limits on

Your cover for Cancellation under the

“Important Matters” section and General Policy Exclusions section.

Section 3 – Luggage and Travel Documents

3.1 Luggage

Subject to the excess set out in the Schedule We will pay:

Your Luggage is accidentally lost, damaged or stolen We may choose

to replace, repair, or pay for the loss in cash, after making allowance for

depreciation, and wear and tear.

Subject to the sub-limits set out below, the most

We will pay under this

Section 3.1 in total is:

• $12,000 if the

ANZ Frequent Flyer Visa Platinum Cardholder is travelling

alone, and

• $24,000 if the

Cardholder is travelling with their Spouse and/or

dependent children under 21 years of age.

Except:

(1) If

Your Luggage is stolen from a locked, but unoccupied vehicle, the most

We will pay is $2,000 in total.

(2) For items used solely for earning

Your income, the most We will pay is

$2,500 in total.

Per item sub-limits:

Any one item (including its attached and unattached

accessories), set or pair of items, unless otherwise stated below.

$1,000

Laptop computers, video recorders, cameras, mobile

telephones or portable electronic equipment (including all

attached or unattached accessories of these items) unless

otherwise stated below

$ 4,000

Luggage stolen from a locked but unoccupied vehicle $ 200

3.2 Emergency Purchase/ Mislaid Luggage

You the Reasonable cost of emergency purchase of clothing and toiletries

You need because the Luggage checked in with Your carrier for storage

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

in the cargo hold of Your transport, has been delayed, misdirected or

misplaced by the carrier.

We will only pay You if You provide:

a. written proof from the carrier that

You were unable to get Your Luggage

for at least 12 hours, and

b. receipts for

Your emergency purchases.

The most

We will pay is $400 if the ANZ Frequent Flyer Visa Platinum

Cardholder is travelling alone and $800 if the Cardholder is travelling with

their

Spouse and/or dependent children under 21 years of age. We will double

these amounts if

Your Luggage is still not returned to You after 72 hours.

We will deduct any amount We pay You for this benefit from any claim

We pay You for the lost Luggage. We will not pay You if Your carrier has

delayed, misdirected or misplaced

Your Luggage on the final section of

Your Journey.

3.3 Travel Documents, Credit Cards or Traveller Cheques

Subject to the excess set out in the Schedule We will pay:

You any cost which You cannot recover, if Your personal travel documents,

credit cards, or travellers cheques are stolen.

We will also pay for Your

loss, if the stolen cards are used for illegal purposes.

We will only pay if You have complied with all the conditions of their issue

and have done everything

You can to minimise Your loss.

In addition to the General Policy Exclusions,

We will not pay under

Section 3 – Luggage and Travel Documents for:

1. Damage or loss arising from electrical or mechanical breakdown of any items.

2. Breakage of fragile or brittle items, unless they are broken during a motor

vehicle collision. This does not apply to photographic or video equipment,

binoculars, spectacles or contact lenses.

3. Damage or loss arising from wear and tear, deterioration, or losses caused

by atmospheric or climatic conditions, mould or fungus, insects, rodents,

vermin, or any process of cleaning, ironing or repairing.

4. Any damage to, loss or theft of,

Your Luggage, if You do not report it to the

appropriate authority, the police or the person in charge of

Your public

transport.

You must do this within 24 hours of the loss. You must obtain

written proof that

You have made the report. You must report all lost items

and the written proof must contain a list of all those items.

5. Loss of

Luggage Left Unsupervised in a Public Place.

6. Loss of

Luggage from an unlocked vehicle.

7. Damage to sporting equipment while it is in use.

8. Loss of, or damage to,

Your Luggage which You do not take with You

Your transport or which has been sent by road, rail or marine freight

contract.

9. Loss of, or damage to, jewellery, cameras, video cameras, computers, or

portable electrical equipment which

You put in the cargo area of a train,

aircraft, ship or coach. This exclusion commences from the time

Your

Luggage is passed to the carrier or its representative.

Note: There are other limits on

Your cover for Luggage and Travel

Documents under the “Important Matters” section and General Policy

Exclusions section.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Section 4 – Accidental Death, Disability and Loss of Income

4.1 Accidental Death and Disability

Subject to the excess set out in the Schedule We will pay:

Your estate for Your death, or You for Your disability, if You suffer injury caused

by violent, visible and external means in an accident during

Your Journey.

We will only pay if:

1. You die within 12 months of the accident, and a death certificate is

produced, or

You have entirely and irrecoverably loss Your sight in both eyes; or

3. You lose a limb; or

You lose the use of a limb above the ankle or above the wrist. Your loss,

or loss of use, must occur within 12 months of your accident, and must

be total and permanent.

You must provide a medical certificate to confirm

Your loss or loss of use.

In addition to the General Policy Exclusions,

We will not pay:

1. if

Your death or disability is directly or indirectly related to a deep vein

thrombosis.

The most

We will pay for death or disability is:

Cardholder

$ 50,000

Spouse travelling with the Cardholder $ 50,000

Dependent children under 21 years of age travelling

with the

Cardholder

$ 1,000 each

The limit will only be paid once per person, even if there is more than one

accident, loss, or loss of use during the

Journey.

4.2 Loss of Income

Subject to the excess set out in the Schedule We will pay:

For

Your loss of income, if You are injured in an accident during the Journey

that is caused by violent, visible and external means.

We will only pay You if:

You had arranged to resume Your usual work on Your return to Australia, and

You are totally unable to resume Your usual work because of the accident, and

3. the accident happened on

Your Journey during the Period Of Insurance, and

Your inability to resume work occurred less than 30 days after the accident, and

You have a Doctor’s certificate supporting Your inability to resume work.

We will only pay You up to six months loss of income, commencing from

the 31st day after

You were due to resume Your usual work in Australia.

The most

We will pay You is the lesser of:

a. the difference between

Your average net monthly earnings for the six

months prior to the accident, and any amount

You earn from alternative

work (i.e. not

Your usual work) during the period for which the loss of

income is payable, or

b. $1,500 each month. The most

We will pay is $9,000.

In addition to the General Policy Exclusions,

We will not pay for:

1. any loss of income for

Your dependent children.

2. Any injury which is covered by workers compensation or statutory benefits.

3. Any inability to work as a result of sickness or disease.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Note: There are other limits on Your cover for Accidental Death, Disability

and Loss of Income, under the “Important Matters” section and General

Policy Exclusions section.

4.3 Liability

Subject to the excess set out in the Schedule We will pay:

The amount

You are legally liable to pay, if You act negligently and this causes:

1. death, bodily injury, or disease to another person, or

2. loss of, or damage to, the property of another person.

This includes

Your legal costs and expenses, which We have agreed, in

writing, to pay

You, and the other person’s legal costs and expenses that

You become legally liable to pay.

The most

We will pay is $2,500,000.

In addition to the General Policy Exclusions,

We will not pay for the amount

You are legally liable to pay, if You act negligently and this causes:

1. death, bodily injury, or disease to

You, Your Relative, Your Travelling

Companion, Your Business Partner, Your employee, or anyone else You

cover under a workers’ compensation policy, ordinance or agreement.

2. loss of, or damage to, property

You own, or another person’s property You

have borrowed, hired or have in

Your control.

3. death, bodily injury, disease, or damage to property which arises out of

Your ownership, use or possession of any mechanically propelled vehicle,

aircraft, or waterborne craft.

4. death, bodily injury, disease, or damage to property which arises out of

Your

business, trade or profession including professional advice given by

You.

5. penalties, fines or awards of aggravated, exemplary or punitive damages

made against

You.

Note: There are other limits on

Your cover for Liability under the “Important

Matters” section and General Policy Exclusions section.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

WHAT TO DO IN THE EVENT OF A CLAIM

1 All claims should be advised to Us within 30 days after the completion of

Your Journey.

You must submit to Us all information We require in support of Your claim,

such as medical or police reports, declarations, receipts, valuations,

certified translations or other evidence of ownership at

Your own expense

and co-operate with

Us at all times.

3. You will be requested to provide proof of Your Activation of Cover and that

You have met all the terms and conditions under this Policy.

4. For liability claims, do not make any admission or offer. Request the claim

against

You to be put in writing.

5. All losses under luggage and travel documents section must be reported to

the local authority within 24 hours and a written acknowledgment obtained.

6. In respect of medical expense items:

You must submit accounts to Your

private health fund before submission to

Us.

7. Immediately report any luggage loss or damage to the airline or carrier and

submit a claim to them. The airline or carrier may be legally liable for the

loss or damage.

8. For claims enquiries please call 1800 339 665.

EMERGENCY AND MEDICAL ASSISTANCE SERVICES

– AIG ASSIST

In the event of an emergency overseas, simply call (reverse charge) AIG

Assist any time from any place in the world:

1. Ring the operator in your current locality; and

2. Book a reverse charge call to Australia

61 (2) 9251 4298

The number underlined is the country code and the number in brackets is

the area code.

The overseas assistance service in this section is provided by AIG Assist

and is subject to the terms and conditions of

Your Policy.

1. In the event of an emergency whilst

You are outside Australia, AIG Assist is

only a telephone call away anywhere in the world – 24 hours a day.

The free telephone number is listed above.

2. AIG Assist is a worldwide team of

Doctors and medical professionals who

are available by telephone 24 hours a day for advice and assistance in the

event of a medical emergency and any associated problems for travellers

outside Australia.

3. AIG Assist provides the following services under

Your Policy:

a. Access to a registered medical practitioner for emergency assistance

and advice.

b. Emergency transportation to the nearest suitable hospital.

c. Emergency evacuation back home if necessary.

d. The family back home will be advised of

Your medical condition and be

kept informed of the situation.

e. Payment guarantees to hospitals and insurance verification.

f. Second opinions on surgery.

g. Case management if hospitalised and cost containment and control.

h. Urgent message service and emergency travel planning.

i. All these services are provided free of charge to

You.

ANZ Frequent Flyer Visa Platinum

Overseas Travel and Medical Insurance

Transport Accident Cover

The ANZ Frequent Flyer Visa Platinum Transport Accident Cover has been

issued by American Home Assurance Company ABN 67 007 483 267, AFSL

230903, JM 06/00787, incorporated with Limited Liability in the USA,

trading as AIG Australia of 549 St Kilda Road, Melbourne, Victoria 3004

under a Master Policy:

Transport Accident Cover 2300103533 issued to Australia and New

Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 of Level 6, 100

Queen, Street Melbourne, VIC, 3000.

ANZ is not the issuer of the ANZ Frequent Flyer Visa Platinum Transport

Accident Cover and neither ANZ nor any of its related corporations guarantee

any of the benefits under this Policy. The cover is provided at no additional

cost to the Platinum Cardholder and ANZ does not receive any commission

or remuneration from AIG Australia for arranging the Insurance Policy.

Neither ANZ nor any of its related corporations are Authorised

Representatives (under the Corporations Act 2001) of AIG Australia.

ANZ may terminate the ANZ Frequent Flyer Visa Platinum Transport Accident

Cover with AIG Australia at any time and will provide written notification to

their Primary Platinum Cardholders. Purchases made in accordance with

this ANZ Frequent Flyer Visa Platinum Transport Accident Cover before a

notification to terminate the cover is given will be covered under this ANZ

Frequent Flyer Visa Platinum Transport Accident Cover. Purchases made after

this notification to terminate is given will not be eligible for cover under this

ANZ Frequent Flyer Visa Platinum Transport Accident Cover.

Policy Administration and claim enquiries

Please contact AIG Australia on

1800 339 665

Head Office:

549 St Kilda Road

Melbourne Vic 3004

Phone: (03) 9522 4979

Fax: (03) 9522 4044

ANZ Frequent Flyer Visa Platinum

Transport Accident Cover

ANZ Frequent Flyer Visa Platinum Transport Accident Cover is a benefit

offered to ANZ Frequent Flyer Visa Platinum Cardholders. This cover provides

certain accidental death and injury benefits for Platinum Cardholders who

sustain an Injury while riding as a passenger in (not as a pilot, driver or crew

member), or boarding or alighting from a plane, tourist bus, train or ferry

as outlined in these Terms and Conditions. In certain circumstances the

benefits also extend to the Platinum Cardholder’s Spouse and Dependent

Children, provided they are travelling with the Platinum Cardholder.

The cover provided does not include benefits as prescribed under the

Insurance Contracts Act 1984 and is only available when, before the Trip is

commenced the Full Cost of Your Trip including charges, fees and/or taxes is

charged to the Platinum Cardholder’s Eligible Platinum Credit Card Account.

Important matters You should know about

You are under no obligation to accept this cover. However, if You wish

to make a claim under this Cover, You will be bound by the Definitions,

Terms and Conditions, Exclusions and Claims Procedures of this Cover.

Therefore please read this document carefully and keep it in a safe place.

Please also keep all purchase receipts, detailed particulars and proof of

any loss You suffer and proof of Your eligibility for this Cover.

Transport Accident Cover

Definitions

For the purposes of this cover:

“Accident” – means any sudden and unexpected physical force, which

occurs on a Trip and causes an injury that is described in the “Schedule of

Benefits”.

“Platinum Cardholder” – means a person:

(i) being a permanent Australian resident; and

(ii) who is primarily (more than 75% of your time) living in Australia; and

(iii) to whom ANZ has issued an Eligible Platinum Credit Card.

This includes joint and additional cardholders.

During the period of insurance only one person is eligible to claim the

benefits payable to the Platinum Cardholder and other persons covered

under this Policy would only be eligible as a Spouse or Dependent Child.

“Dependent Child/Children” means –

(a) All unmarried children of a Platinum Cardholder from birth to the age of 19

who live with the Platinum Cardholder, or

(b) Unmarried children of a cardholder from the age of 19 to the age of 25

who are full-time students attending an accredited institution of higher

learning in Australia, and are dependent upon the Platinum Cardholder

for their maintenance and support and reside ordinarily with the Platinum

Cardholder or live with the Platinum Cardholder when they are not

attending the accredited institution of higher learning, that are travelling

with You on the Trip.

“Eligible Platinum Credit Card” – means a current and valid ANZ Frequent

Flyer Visa Platinum card issued for Eligible Platinum Credit Card Accounts.

This does not include any non-Platinum ANZ Frequent Flyer Visa or ANZ

Frequent Flyer Visa Gold cards which do not qualify for this Cover.

“Eligible Platinum Credit Card Account” – means a current and valid ANZ

Frequent Flyer Visa Platinum credit card facility provided by ANZ to which

purchases made by Platinum Cardholders on Eligible Platinum Credit Cards

are charged.

“Full Cost of Your Trip” – means all charges, fees and/or taxes which have

been paid in full for the plane, tourist bus, train or ferry tickets, prior to the

commencement of the Trip.

“Injury” – means loss of life or bodily injury (but not an illness or sickness):

(a) caused by an Accident whilst this Policy is in force; and

(b) resulting independently of any other cause.

Furthermore Injury as used with reference to:

(i) hand or foot – means the physical severance or entire loss of the use of

the entire hand below the wrist or foot below the ankle; and/or

(ii) eye – means irrecoverable loss of the entire sight thereof.

“Insurer” – means American Home Assurance Company ABN 67 007 483

267 AFSL 230903 trading as AIG Australia (‘AIG Australia’).

“Primary Platinum Cardholder(s)” – means the person(s) in whose

name(s) the Eligible Platinum Credit Card Account is opened.

“Spouse” – means the Primary Platinum Cardholder’s married or de facto

partner with whom You have continuously cohabited for a period of three

(3) consecutive months or more and who travels with You on the Trip.

“Terrorist Act” – means any actual or threatened use of force or violence

directed at or causing damage, Injury, harm or disruption, or committing

of an act dangerous to human life or property, against any individual,

property or government, with the stated or unstated objective of pursuing

Transport Accident Cover

economic, ethnic, nationalistic, political, racial or religious interests,

whether such interests are declared or not. Robberies or other criminal

acts, primarily committed for personal gain and acts arising primarily from

prior personal relationships between perpetrator(s) and victim(s) shall

not be considered Terrorist Acts. Terrorist Acts shall also include any act

which is verified or recognised by the (relevant) government as an act of

terrorism.

“Trip” – means

(a) A journey by the Platinum Cardholder as a paying passenger (not as a

pilot, driver, or crew member etc.) in a licensed plane, tourist bus, train

or ferry authorised pursuant to any statute, regulation, by law or the

equivalent thereof for the transportation of passengers for hire. Provided

that before boarding any of the above transportation the Full Cost of Your

Trip was charged to the Cardholder’s Eligible Platinum Credit Card Account,

and

(b) A journey by the Spouse and/or Dependent Child as paying passengers

(not as a pilot, driver, or crew member etc.) in a licensed plane, tourist

bus, train or ferry authorised pursuant to any statute, regulation, by law

or the equivalent thereof for the transportation of passengers for hire.

Provided that before boarding any of the above transportation the cost of

the journey was charged to the Platinum Cardholder’s Eligible Platinum

Credit Card account and they are accompanying the Platinum Cardholder

who is on a Trip.

“We, Our, Us” – means American Home Assurance Company ABN 67 007

483 267, AFSL 230903 trading as AIG Australia (‘AIG Australia’).

“You and Your” – means a Platinum Cardholder.

Terms and Conditions

The Benefits listed under the Schedule of Benefits will be paid if the

Platinum Cardholder, Spouse or Dependent Child suffer a loss as a result

of an Injury suffered under the circumstances specified in points 1, 2, 3 or

4 as follows:

1 The Injury is sustained on a Trip while riding as a passenger or boarding or

alighting from a licensed plane, tourist bus, train or ferry.

2 The Injury is sustained while riding as a passenger in (not as a pilot, driver

or crew member), or boarding, or alighting from a licensed taxi or bus or

hire vehicle authorised pursuant to any statute, regulation, by-law or the

equivalent thereof for the transportation of passengers for hire, provided

the Platinum Cardholder, Spouse or Dependent Child are travelling

directly to or from an airport, tourist bus depot, railway station or dock,

immediately preceding or following the scheduled Trip.

3 When, by reason of an Accident specified in 1 or 2 above, a Platinum

Cardholder, Spouse, or Dependent Child is unavoidably exposed to the

elements and, as a result of such exposure, suffers an Injury for which

indemnity is otherwise payable hereunder, the loss shall be covered under

the terms of this Policy.

4 If the body of the Platinum Cardholder, Spouse or Dependent Child has not

been found within one year of the date of his/her disappearance arising

out of an Accident which would give rise to a loss as specified in 1, 2 or

3 above, it will be presumed that the Platinum Cardholder, Spouse or

Dependent Child suffered loss of life as a result of bodily injury caused by

the Accident at the time of his/her disappearance.

5 A benefit payable under the Policy will be paid to the injured Platinum

Cardholder or Spouse or, in the event of their death the benefit will be paid

Transport Accident Cover

to their legal representative(s). In the event of an Injury to a Dependent

Child the benefit will be paid to the Platinum Cardholder.

Exclusions

This Policy does not cover any loss, fatal or non-fatal, caused by or

resulting from:

(a) Suicide or self-destruction, or any attempt at suicide or self-destruction,

while sane or insane.

(b) A hijack or war or war-like hostilities.

(d) Radioactive contamination.

(e) Consequential loss or damage, punitive damages.

(f) A Trip purchased prior to 14 November 2006.

(g) An intentional or illegal or criminal act of:

• the Platinum Cardholder, or

• a person acting on the Platinum Cardholder’s behalf, or

• the Platinum Cardholder’s designated beneficiary, executor(s) or

administrator(s) or legal heirs or personal legal representatives(s).

Schedule of Benefits

When an Accident results in any of the following Injuries within one year of

the date of the Accident, AIG Australia will pay the amount shown opposite

the said Injury.

If more than one Injury results from one Accident, only the Benefit Amount

for the greater Injury will be paid.

Injury as defined resulting in: Benefit Amount

Loss of Life

AU$750,000

Loss of both hands or both feet

AU$375,000

Loss of one hand and one foot

AU$375,000

Loss of entire sight of both eyes

AU$375,000

Loss of entire sight of one eye and one hand or one foot

AU$375,000

Loss of one hand or one foot

AU$175,000

Loss of entire sight of one eye

AU$175,000

Limits on what AIG Australia will pay

The most AIG Australia will pay in claims under this Policy, resulting from one

Event is AU$5,000,000 regardless of the number of Platinum Cardholders,

Spouses and/or Dependent Children who were injured in the event.

This means that if as a result of one event a number of Platinum

Cardholders, Spouses and/or Dependent Children were injured, We will

pay each on a proportional basis (using the above schedule) up to a total

of AU$5,000,000. Therefore, if for example eight (8) Platinum cardholders

lost their lives in the same Accident AIG Australia would pay AU$625,000

to each of their legal representatives.

The maximum Loss of Life compensation payable for a Dependant Child is

AU$20,000.

Transport Accident Cover

What to do in the event of a claim

(1) All claims should be advised to AIG Australia within 30 days or as soon as

practical after the completion of the Trip.

(2) All information AIG Australia requires must be submitted to AIG Australia

in support of a Transport Accident Cover claim, such as medical or police

reports or other declarations required by Us.

The Code of Practice

AIG Australia is a signatory to the General Insurance Code of Practice.

This aims to raise the standards of practice and service in the insurance

industry, improve the way that claims and complaints are handled and

help people better understand how general insurance works. Information

brochures on the Code are available upon request.

Dispute Resolution

AIG Australia has developed an internal procedure for the dispute

resolution so that if at any time our products or services have not satisfied

Your expectations You can contact AIG Australia. Our complaints and

disputes resolution procedures will have Your complaint reviewed by

management. You will have a response within 15 working days.

If the matter is unresolved Your complaint can be referred to AIG

Australia’s Internal Disputes Resolution Committee who will respond

within 15 working days of receipt of Your complaint.

If You are still unhappy, You may take Your complaint, at no cost to You, to

the Insurance Ombudsman Service Limited ABN 23 062 284 888 (IOS).

This is an external dispute resolution panel, which can make decisions

binding on AIG Australia. Further information about the Insurance

Ombudsman Service is available on request.

Privacy Consent and Disclosure

AIG Australia is a wholly owned subsidiary of the American International

Group (“AIG”).

AIG Australia has adopted the National Privacy Principles (“the NPPs”).

The NPPs may apply to any personal information collected by AIG Australia.

Purpose of Collection

AIG Australia collects information necessary to underwrite and administer

Your insurance cover, to maintain and to improve customer service.

You have a duty under the Insurance Contracts Act to disclose certain

information. Failure to comply with Your duty of disclosure or to provide

certain information may result in AIG Australia declining cover, cancelling

Your insurance cover or reducing that level of cover.

In the course of administering Your Policy AIG Australia may disclose Your

information to:

(i) another member of the AIG group of companies either in Australia or overseas.

(ii) contractors or third party providers providing services related to the

administration of Your Policy.

(iii) ANZ and any member of the ANZ group of companies involved in product

planning and development.

(iv) In the event of a claim assessors, third party administrators, emergency

providers, retailers, medical providers and travel carriers.

AIG Australia will only disclose Your personal information to these parties

for the primary purpose for which it was collected. In some circumstances

AIG Australia are entitled to disclose Your personal information to third

Transport Accident Cover

parties without Your authorisation such as law enforcement agencies or

government authorities. However, health information relating to You or any

member of Your family will not be disclosed to these parties.

Access to Your information

You may gain access to Your personal information by making a written

request to AIG Australia.

In some circumstances, AIG Australia may deny access to Your personal

information. Circumstances where access may be denied include where it

would compromise the privacy of other individuals, or where it would be

unlawful.

AIG Australia has also established an internal dispute resolution process

for handling customer complaints and an access and correction procedure.

Both procedures are generally free of charge, however, AIG Australia

reserves the right to charge for access requests in limited circumstances.

If You feel You have a complaint about AIG Australia’s Information Privacy

Principles, require assistance in lodging a privacy complaint or You wish

to gain access to the information, You may write to The Privacy Manager,

AIG Australia, 549 St Kilda Road, Melbourne, or e-mail australia.privacy.

manager@aig.com. Your complaint will be reviewed and You will be

provided with a written response. If it cannot be resolved, Your complaint

will be referred to AIG Australia’s Internal Disputes Resolution Committee

who will respond within 15 working days of receipt of Your complaint.

In either case the matter will be reviewed by a person or persons with

appropriate authority to deal with the complaint. The Privacy Compliance

Committee may refer a complaint to the Privacy Commissioner or another

code adjudicator where it is more appropriate to do so. A person aggrieved

by a determination made by the Privacy Compliance Committee may apply

to the Privacy Commissioner for a review of the determination.

Transport Accident Cover

Important information about the covers

provided by Zurich

Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence

No. 232507, of 5 Blue Street, North Sydney, NSW 2060 (‘Zurich’), is the

product issuer of the following covers included in this booklet which are

effective for purchases where the final payment is made on or after 14

November 2006 and are only available to

cardholders of ANZ Frequent

Flyer Visa Platinum credit cards:

• 90-day Purchase Security Insurance

• Extended Warranty

• Best Price Guarantee Scheme

• Interstate Flight Inconvenience Insurance

These benefits are provided automatically to

cardholders under the Master

Agreement 78 ANZ PLAT CCI, entered into between Australia and New

Zealand Banking Group Limited ABN 11 005 357 522 of Level 6 100 Queen

Street, Melbourne VIC, 3000 (“ANZ”) and Zurich Australian Insurance

Limited (‘Zurich’), ABN 13 000 296 640, AFS Licencee No 232507 of 5

Blue Street, North Sydney, NSW, 2060. In this booklet, Zurich may also be

expressed as ‘Zurich’, ‘we’, ‘us’ or ‘our’.

Although the benefits under the covers are automatically provided to

cardholders, cardholders are not obliged to take these benefits. However,

if a person wishes to claim these benefits, they will be bound by the

Definitions, Terms and Conditions, Exclusions and Claims Procedures of

the policies.

Zurich is the product issuer of the covers and these benefits are provided

at no additional cost to the

cardholder. ANZ is not the product issuer

(insurer) of these covers and neither it nor any of its related corporations

guarantee any of the benefits under these covers and ANZ does not receive

any commission or remuneration in relation to these benefits. Neither ANZ

nor any of its related corporations are Authorised Representatives of Zurich

or any of its related companies.

Please read this document carefully to ensure the benefits satisfy

your requirements and keep detailed particulars and proof of any loss

including the sales receipt and ANZ Frequent Flyer Visa Platinum credit

card account statement showing any relevant purchases.

Termination of these covers

ANZ may terminate the benefits under any one or all of the covers in

this document for all

cardholders or an individual cardholder, and if

so will notify

primary cardholders (i.e. the persons in whose name the

ANZ Frequent Flyer Visa Platinum credit card account is opened) of the

termination. Purchases finalised before expiry of this notification will still

be eligible for cover. However, purchases finalised after expiry of this

notification will not be eligible for cover.

Privacy

Zurich respects your privacy. Before you make a claim under any of the

policies in this document you should know the following things.

• We do not require personal information until a claim is made. We may,

however, need personal information to assess claims. We will, in relevant

cases, disclose the personal information (other than sensitive information

Important information about the

covers provided by Zurich

such as health information) to ANZ, their service providers and business

partners in order to allow the bank to monitor the claims service we

provide, prevent fraud and to ensure

you are eligible for the cover.

• We will also, where relevant, disclose personal information including

sensitive information, such as health information to our service providers

(including medical practitioners, other health professionals, reinsurers,

legal representatives and loss adjusters). By submitting personal details,

the person consents to those organisations collecting and us disclosing

personal and sensitive information about you for this purpose.

• A list of the type of service providers and business partners we commonly

use is available on request, or on our website. Go to www.zurich.com.au

and click on the link to our Privacy link on our home page.

• If a claimant does not provide the requested information, the assessment

of a claim may be delayed or we may not accept a claim.

• We may also disclose personal information about persons where we are

required or permitted to do so by law.

• In most cases, on request we will give persons access to the personal

information we hold about them. In some circumstances, we may charge a

fee for giving this access, which will vary but will be based upon our costs.

General Insurance Code of Practice

As a member of the Insurance Council of Australia Limited, Zurich

subscribes to the General Insurance Code of Practice.

The purpose of the Code is to raise the standards of practice and service in

the general insurance industry.

The Code aims to:

• constantly improve claims handling in an efficient, honest and fair manner;

• build and maintain community faith and trust in the financial integrity of

the insurance industry; and

• provide helpful community information and education about general

insurance.

Complaints and Dispute resolution process

If you have a complaint about an insurance product issued by us or a

service you have received from us, including the settlement of a claim,

please call us on 13 26 87. We will respond to your complaint within

15 working days provided we have all necessary information and have

completed any investigation required. If more information or investigation

is required we will agree reasonable alternative timeframes with you.

If you are unhappy with our response or we cannot agree on reasonable

alternative timeframes, your complaint will be registered as a dispute and

it will be reviewed by our internal dispute resolution process which is free

of charge.

We will respond to your dispute within 15 working days provided we have all

necessary information and have completed any investigation required. If more

information or investigation is required we will agree reasonable alternative

timeframes with you. We will keep you informed of the progress of our review

at least every 10 working days and give you our response in writing.

If you are unhappy with our response or we cannot agree with you on

reasonable alternative timeframes, you can refer the matter to the external

disputes resolution scheme of which we are a member. This scheme is

administered by Insurance Ombudsman Services Limited (IOS). IOS will

review our decision in accordance with their terms of reference. You are

not bound by their decision. However, we are bound to act immediately

Important information about the

covers provided by Zurich

on IOS’s decision. This is a free service provided by an independent body.

Brochures outlining the operations of IOS are available from us or the

Insurance Council of Australia in your state or territory. You can phone the

IOS from anywhere in Australia on 1300 780 808 or write to them at:

Insurance Ombudsman Services Limited

PO Box 561,

Collins Street West,

Melbourne, Vic, 8007.

Email: ios@insuranceombudsman.com.au

Definitions and interpretation

The following key words (and/their plurals) when are highlighted in italics

have special meaning in the covers included in this document.

“act of terrorism” means an act, including but not limited to the use of

force or violence and/or the threat thereof, of any person or group(s) of

persons, whether acting alone or on behalf of or in connection with any

organisation(s) or government(s), which from its nature or context is

done for, or in connection with, political, religious, ideological or similar

purposes or reasons, including the intention to influence any government

and/or to put the public, or any section of the public, in fear.

“ANZ Frequent Flyer Visa Platinum credit card” means a current and valid

ANZ Frequent Flyer Visa Platinum credit card issued by ANZ for an

ANZ

Frequent Flyer Visa Platinum credit card account.

“ANZ Frequent Flyer Visa Platinum credit card account” means a current

and valid ANZ Frequent Flyer Visa Platinum credit facility provided by ANZ

to which purchases made by

cardholders are charged.

“Australia” means the area enclosed by the territorial waters of the

Commonwealth of Australia where Medicare benefits are payable and

“Australian” has a corresponding meaning.

“Australian warranty,” means the manufacturer’s expressed written

warranty, that is applicable and able to be fulfilled within

Australia and

which has been properly registered with the manufacturer.

“cardholder” means a person who permanently resides in Australia and to

whom ANZ has issued an

ANZ Frequent Flyer Visa Platinum credit card. This

includes additional

cardholders. If a family is travelling together only one

person can claim the benefits payable to the

cardholder. The others can

only claim as a

spouse or dependent child.

“dependent child/children” means

• all unmarried children of a

cardholder to and including the age of 19 who

always live with the

cardholder, and

• unmarried children of a

cardholder from the age of 19 to and including the

age of 25 who are full-time students attending an accredited institution of

higher learning in

Australia, and are dependent upon the cardholder for

their maintenance and support and always live with the

cardholder or live

with the

cardholder when they are not attending the accredited institution

of higher learning.

“interstate flight” means travel on a registered passenger airline (but not

charter trips) to or from any

Australian state or territory.

“personal good(s)” includes all new personal property acquired for

personal domestic or household use, but does not include:

• articles acquired for the purpose of re-supply/re-sale; or

• articles acquired for transformation in a business; or

• articles purchased in a business name; or

• business owned or business related articles; or

Important information about the

covers provided by Zurich

• animals or plant life; or

• computer software or non tangible articles; or

• cash, bullion, negotiable instruments, trading cards, lottery tickets or other

gambling related articles, tickets of any description, travellers cheques, or

collections such as stamps, coins and cards; or

• consumable or perishable articles (including but not limited to food,

drugs, fuel or oil); or

• boats, automobiles, motorboats, airplanes or any other motorised vehicles

and their integral parts and installed accessories; or

• second-hand articles, including antiques; or

• articles of contraband; or

• real estate and movable fixtures or fittings (including but not limited to

dish washers and fixed air conditioners) which are, or are intended to form

part of any home or real estate; or

• articles acquired for a purchase price exceeding A$10,000.

“pre-existing medical condition” is relevant to the cardholder, any relative,

travel companion or any other person that may give cause for you to claim

and means:

• any existing medical condition, including but not limited to mental

disorder, anxiety, alcoholism, drug addiction or pregnancy and/or any

chronic or ongoing physical, medical or dental condition, for which

investigation (whether or not a diagnosis has been made), treatment or

advice has been received, or medication prescribed or taken at any time

before

you paid for your interstate flight fares;

• any condition, including but not limited to mental disorder, anxiety,

alcoholism, drug addiction or pregnancy and/or any physical, medical or

dental condition, for which investigation (whether or not a diagnosis has

been made), treatment or advice is received, or medication prescribed

or taken, after

you paid for your interstate flight fares, but prior to the

commencement of

your interstate Australian holiday; and

• any complication arising from any such condition outlined above, except

that unexpected/unforeseen events relating to pregnancy are not regarded

as a

pre-existing medical condition.

“relative” means the cardholder’s:

• spouse; or

• parent, parent-in-law, step-parent, guardian; or

• grandparent; or

• child, grandchild, stepchild; or

• brother, brother-in-law, sister, sister-in-law; or

• daughter, daughter-in-law, son, son-in-law; or

• fiancé, fiancée; or

• uncle, aunt; or

• half-brother, half-sister; or

• niece, nephew.

“rental vehicle” means a rented passenger vehicle rented from a licensed

motor vehicle rental company.

“spouse” means a legal or a de facto partner of the cardholder who is

permanently living with the

cardholder at the time the journey starts or a

person married to the

cardholder. We may ask for proof of any relationship.

Important information about the

covers provided by Zurich

“unattended” means (but is not limited to) your possessions are not with

you or are in a position where they can be taken without you knowing or

being able to prevent them from being taken.

“you”, “your”, “yours”, “yourself” means the cardholder or the

cardholder’s spouse or cardholder’s dependent children provided they are

eligible for the insurance.

Excess – what you contribute to a claim

Excesses may apply to certain sections of cover. An excess is not an

additional fee, charged by us at the time of making a claim. Rather, it is the

uninsured first portion of a loss for which

you are otherwise covered. (i.e. the

amount that

you must contribute towards each claim). Details of the Excess

amounts and circumstances in which they will be applied are as follows:

• Interstate Flight Inconvenience Insurance – You must pay the first A$75 for

each claim made under benefits 2 & 4.

• Best Price Guarantee Scheme – You must pay the first A$75 for each claim.

Repairing or Replacing damaged personal items/

personal goods

If a personal item/personal good is damaged, lost or stolen we may choose

to:

• repair the article;

• replace the article, less depreciation. This means we will replace the article

for an amount equal to its original cost, less a depreciation figure which

takes into account its age and condition; or

• pay

you the amount it would cost us to replace the article less depreciation.

you bought the article duty free or overseas the amount you paid for the

article will be the maximum amount paid by us.

Where the article is part of a pair or set,

you will receive no more than the

value of the particular part or parts lost, stolen or damaged, regardless of

any special value that the article may have by way of being part of such pair

or set.

Safety of your personal items/personal goods

You must take all adequate and reasonable precautions (considering the

value of the articles) to protect

your personal items/personal goods and

you are not covered if you do not take reasonable precautions (considering

the value of the article) to protect

your personal items/personal goods.

Personal items/p

ersonal goods is/are not covered under any of the

insurances if left:

• unattended in a public place; or

• unattended in an unlocked motor vehicle; or

• unattended in a motor vehicle in view of someone looking into the motor

vehicle; or

• unattended in a motor vehicle overnight; or

• behind, forgotten or misplaced; or

• with a person who steals or deliberately damages them.

A ‘public place’ includes, but is not limited to shops, airports, bus depots,

streets, hotel foyer (and hallways and grounds), planes, buses, restaurants,

beaches, public toilets, car parks, office areas, behind or near counters,

housing and hostel common areas, unlocked hostel and hotel rooms and

any place which is accessible to the public.

Important information about the

covers provided by Zurich

Reporting lost, stolen or wilfully damaged items/

personal goods

In the event that your personal items/personal goods are stolen, wilfully

damaged or accidentally lost,

you must make a report to the Police or to

the nearest government agency or authority. You must do this within 24

hours of learning of the theft, loss or damage and the report must list and

describe the missing or damaged personal items/

personal goods.

If the loss or wilful damage occurs overseas, a copy of this report must be

obtained and the authority must sign the copy and write on it that it is a

true and accurate copy of the original.

Enquiries

• Additional copies of this document can be obtained by phoning ANZ on

13 22 73 or visit www.anz.com/anzfrequentflyervisa

• If

you require personal advice on any of these covers, please see your

insurance adviser.

• If

you wish to make a general inquiry regarding the cover outlined in this

document

you can phone us on 1800 648 093, however please make sure

you have this document on hand when you phone us.

Insurance exclusions – what is not covered by Zurich

In any form of insurance there are situations that are not covered. Whilst

we try to extend our cover to most situations, we are not able to insure

some situations because of the costs or types of events involved.

In addition to any specific exclusions contained in any individual cover in

this document, the following exclusions apply to all the covers provided by

Zurich in this document:

• We do not insure

you for any event that is caused by or arises as a result of

any

pre-existing medical condition of yours, a relative or any other person

that may give cause for

you to claim.

• We do not insure

you in regard to any travel that:

– you book or take against medical advice; or

– you take for the purpose of getting medical treatment or advice; or

– you take after a qualified and registered member of the medical profession

informs

you that you are terminally ill.

• We do not insure

you for any event that is caused by or arises from:

– any event that is intentionally caused by,

you or by a person acting with

your consent (including suicide or attempted suicide); or

– your conscious exposure to exceptional danger unless in an attempt to

preserve

your life or the life of another person; or

– you being under the influence of liquor or drugs; or

– your involvement in illegal activities, fraud or abuse; or

– your underwater activities that involve using artificial breathing equipment

(unless

you have an open water diving licence or are diving with a

qualified and registered diving instructor); or

– your mountaineering or rock climbing (if you need to use climbing

equipment, ropes or guides), white water rafting or boating, abseiling,

bungy jumping, pot holing, running with the bulls, caving or tobogganing; or

– your racing (other than foot); or

– your participation in any kind of professional sport; or

– sporting equipment while it is being used; or

Important information about the

covers provided by Zurich

– your air travel or any aerial activity (for example, hang-gliding, base

jumping and skydiving). But if

you are a paid passenger in a fully licensed

commercial passenger aircraft, we do insure

you; or

– any activities involving hunting equipment or projectiles (e.g. shooting and

archery); or

– your participation in motor cycling, unless

– it involves a hired motorcycle with an engine capacity of 200cc or less;

and

– you are the driver; and

– you hold a current Australian motorcycle licence; but

– we never cover any event that is caused by or arises from motorcycle

racing; or

– your participation as a crew member or pilot of any conveyance; or

– any

act of terrorism; or

– any war or war like activities, whether war has been formally declared or

not, any hostilities, rebellion or revolution, or civil war, military coup, or

overthrow/attempted overthrow of a government/military power; or

– any person or organisation, who lawfully destroys or removes

your

ownership or control of any property/

personal goods; or

– any government prohibition or restrictions or government customs, or

other government authorities, delaying or detaining

you or seizing or

keeping

your baggage; or

– any item that is brittle or fragile (except photographic or video equipment),

unless the loss or damage is caused by thieves, burglars, fire, or an

accident involving the means of transport in which

you are travelling; or

– non-receipt of the property/

personal goods that you have purchased and

is being transported to

you; or

– personal goods/personal items whilst being transported under a freight

agreement or by postal or courier services; or

– jewellery, watches, cameras, mobile phones, electrical articles or laptops

in a motor vehicle or being carried in baggage/luggage, unless hand-

carried and under

your personal supervision; or

– 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; or

– you not taking all adequate precautions (considering the value of the

articles) to protect

your property/personal goods or if the property/

personal goods are left:

– unattended in a public place; or

– unattended in an unlocked motor vehicle; or

– unattended in a motor vehicle in view of someone looking into the

motor vehicle; or

– unattended in a motor vehicle overnight; or

– behind, forgotten or misplaced; or

– with a person who steals or deliberately damages them.

A ‘public place’ includes, but is not limited to shops, airports, bus

depots, streets, hotel foyer (and hallways and grounds), planes, buses,

restaurants, beaches, public toilets, car parks, office areas, behind or near

counters, housing and hostel common areas, unlocked hostel and hotel

rooms and any place which is accessible to the public; or

– disappearance of the property/

personal goods in circumstances which

cannot be explained to our satisfaction; or

Important information about the

covers provided by Zurich

– radioactivity, radioactivity contamination or the use, existence or escape

of any nuclear fuel, nuclear material or nuclear waste; or deterioration,

normal wear and tear, or

– any defective item or any defect in an item, or damage arising from

inherent defects in an item or an electrical or mechanical fault or

breakdown, unless covered under the Extended Warranty cover; or any

process of servicing, repairing or restoring an item unless we have given

prior approval; or

– laundering (including washing, ironing and dry cleaning) whether by

professional persons or otherwise; or

– vermin or insects, mildew, atmospheric or climatic conditions, or flood; or

– any process of servicing, repairing or restoring an item unless we have

given prior approval.

Claims procedures

Please do not contact ANZ in the event of a claim, as ANZ does not approve

claims and is not involved in processing the claims.

you want to make a claim under any of these covers, you must:

1. Contact us on 1800 648 093 within 30 days of learning of an occurrence

(loss, damage or breakdown) that may result in a claim. However, if

you

are making a Best Price Guarantee Scheme claim,

you must contact us

within 21 days of the purchase of the

personal good.

We may require

you to complete a written loss report. If we do, we will

provide

you with the forms which should be returned to us within 30 days

after

you receive them.

Note: Failing to contact us or return the completed loss report (if required)

within the times stated might result in denial of the claim.

2. You must provide us with any evidence/documentation we require to

verify

your claim. Depending on the cover you are claiming for, this might

include (but is not limited to) any of the following:

– proof that

you are eligible for insurance cover – e.g. your ANZ Frequent

Flyer Visa Platinum credit card account statement and credit card receipt;

– if items are stolen, wilfully damaged or accidentally lost

you must give

us the police report number, or if the incident occurred whilst

you were

overseas, a copy of the report

you obtained from the police or nearest

government agency or authority. The report should be certified by the

relevant authority as being a true and correct copy of the original;

– proof of

your ownership of any lost, stolen or damaged articles or defective

articles – e.g. purchase receipts;

– evidence of your

interstate flight/intended interstate flight – e.g. ticket,

travel agent’s itinerary showing details of

your interstate flight or a letter

from the airline;

– evidence of the delay, including in the case of luggage delay, a lost

property/delayed property report issued by the airline;

– receipts for any articles

you buy to replace those that were lost or stolen or

purchased as emergency replacement of

your clothes and toiletries;

– if any articles are lost or stolen during the time that a carrier was

responsible for looking after them,

you must get a letter from the carrier

explaining what happened and stating the amount of refund

you received

from them;

– any damaged articles for which

you are claiming so that they can be

inspected by us or our authorised representative;

Important information about the

covers provided by Zurich

– a quote (at your expense) for the replacement of lost or stolen articles,

or quote (noting the serial number for Extended Warranty claims) for

the repair of damaged or broken down articles. We will however pay the

reasonable cost of the quote if we agree to pay the claim;

– copy of the

Australian warranty if claiming under the Extended Warranty policy;

– in regard to the Best Price Guarantee 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.

Subrogation and you must assist Zurich with your claim

When making a claim you must advise us of any details of any other

insurance under which

you are entitled to claim.

You must also, as far as allowed by law, give us all the assistance we may

require to institute proceedings against other parties for the purpose

of enforcing rights or remedies to which we would become entitled or

subrogated upon, by making good any loss or damage under any of the

covers included in this document.

Fraudulent claims

When making a claim you have a responsibility to assist Zurich and to act

in an honest and truthful manner.

If any claim is fraudulent in any way or if

you or any one acting on your

behalf uses fraudulent means to made a claim on any of the covers in this

document, then no payment will be made in regard to the claim. Also ANZ

will be informed of the situation and

you may no longer be eligible for any

of the insurances and Price guarantee cover contained in this document.

Important information about the

covers provided by Zurich

90-day Purchase Security Insurance

90-day Purchase Security Insurance is a benefit available to ANZ Frequent

Flyer Visa Platinum cardholders. This cover provides 3 months of insurance

against loss, theft, or accidental damage over a wide range of new

personal

goods purchased anywhere in the world, provided the purchase is charged

to the

cardholder’s ANZ Frequent Flyer Visa Platinum credit card account.

This insurance provides automatic protection for

personal goods when

their purchase is charged to an

ANZ Frequent Flyer Visa Platinum credit

card account 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.

The

personal goods are insured anywhere in the world for 3 months from the

date of purchase in the event of loss, theft or accidental damage. However,

there is no cover until

you have taken possession of the personal goods.

The liability of Zurich for claims made pursuant to this insurance shall not

exceed the lesser of:

• the actual amount charged to the

cardholder’s ANZ Frequent Flyer Visa

Platinum credit card account to purchase the personal good; or

• A$3,500 per claim in respect of jewellery, watches and fine arts; or

• A$135,000 in any 12 month period in respect of any one

ANZ Frequent

Flyer Visa Platinum credit card account.

90-day Purchase Security Insurance

Extended Warranty

Extended Warranty is a benefit available to ANZ Frequent Flyer Visa

Platinum cardholders. The cover extends the manufacturer’s expressed

Australian warranty on personal goods purchased, provided the purchase

is charged to the

cardholder’s eligible ANZ Frequent Flyer Visa Platinum

credit card account. The insurance does not affect the rights of cardholders

against a manufacturer in relation to contravention of statutory or implied

warranties under

Australian legislation.

The insurance cover comes into effect at the end of the

Australian warranty

period that applies to the

personal good(s), provided the Australian

warranty is for no more than 5 years.

Only articles with a manufacturer’s unique identification serial number on

them are covered under this insurance and the extended warranty period

will be for a period of time equivalent to the

Australian warranty period, up

to a maximum of one full year.

For example:

Australian warranty period Extended warranty period

7 days 7 days

14 days 14 days

1 month 1 month

6 months 6 months

1 to 5 years 1 year

over 5 years no cover

This Extended Warranty only covers the failure of

personal goods to operate

for the purpose for which they were designed as a result of a breakdown

or defect, provided the breakdown or defect is covered by the terms of the

Australian warranty.

The liability of Zurich for claims made pursuant to this insurance shall not

exceed:

• the actual Australian dollar purchase price of the

personal good charged to

ANZ Frequent Flyer Visa Platinum credit card account; and

• in a 12 month period the sum of A$10,000 per

ANZ Frequent Flyer Visa

Platinum credit card account.

If a claim is to be paid under this insurance

you must obtain our approval

prior to proceeding with any repairs or replacement of the

personal goods

which have broken down or are defective.

Extended Warranty

Best Price Guarantee Scheme

Best Price Guarantee Scheme is a benefit available to ANZ Frequent Flyer

Visa Platinum cardholders when new personal goods are purchased

anywhere in

Australia and the entire cost is charged to the cardholder’s

ANZ Frequent Flyer Visa Platinum credit card account.

This scheme guarantees the

cardholder gets the best price if, within 21

days after the purchase of a

personal good, they advise us that they have

subsequent to their purchase, received a printed catalogue showing the

same

personal good (same model number and same model year), by the

same manufacturer, for a lower price from a store within 25 kilometres

of the store from where the

personal good was purchased, and the price

difference is greater than A$75.

The cheaper

personal good must be:

• the same model number; and

• same model year; and

• produced by the same manufacturer as the

personal good you had

previously purchased.

The catalogue showing the cheaper article must have been printed after

the date

you purchased the personal good.

You must report (make a claim) the cheaper article to Zurich within 21 days

of the purchase of the

personal good. This is because under this Best Price

Guarantee Scheme Zurich only provides cover for cheaper articles reported

within 21 days of the date of purchase of the original

personal good.

Provided the price difference is greater than A$75

you will be refunded the

price difference up to A$300.

Best Price Guarantee Scheme

Interstate Flight Inconvenience

Insurance

Interstate Flight Inconvenience Insurance is available to ANZ Frequent

Flyer Visa Platinum cardholders whilst they are on an interstate Australian

holiday of up to 14 days provided the

cardholder charges the entire cost of

their return

interstate flight fare (but not taxes, or airport or travel agent’s

charges) to the

cardholder’s ANZ Frequent Flyer Visa Platinum credit card

account.

This covers extends to the

cardholder’s spouse and/or dependent children

who are travelling with the

cardholder for the entire holiday and who

have also had the entire cost of their return

interstate flight fares (but not

taxes, or airport or travel agent’s charges) charged to the

cardholder’s ANZ

Frequent Flyer Visa Platinum credit card account.

Except for the cancellation cover, the other covers included in this policy

are available for a period of 14 days from the date the

cardholder, spouse

and

dependent child leaves their Australian home to travel directly to the

airport from where they are catching their

interstate flight. The cover will

cease after this 14 day period or earlier if the

cardholder, spouse and

dependent child return to their Australian home within 14 days.

This cover is not designed to provide travel insurance benefits as

prescribed under the Insurance Contracts Act 1984.

Benefits

1. Delays

Flight delay If the intended

interstate flight is delayed by four hours or

more and no alternative transport is made available, the

cardholder is

entitled to charge up to A$50 per person to their

ANZ Frequent Flyer Visa

Platinum credit card account for meals and refreshments up to a total of

A$100.

12 Hour luggage delay If following an interstate flight, your luggage

containing clothes and toiletries is delayed in getting to

you for over 12

hours, the

cardholder is entitled to charge up to A$75 per person to their

ANZ Frequent Flyer Visa Platinum credit card account for essential clothing

and toiletries, up to a total of A$250.

2. Loss or damage to personal items

We insure

you during your holiday for the theft and accidental loss or

damage to clothing and

your personal items (but not laptop computers or

business owned articles, business related articles or articles purchased in

a business name) that

you have with you.

We will pay up to a value of A$450 for each item to a maximum of A$1,200

in total.

3. Funeral expenses as a result of accidental death

If whilst on the interstate holiday,

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

your funeral expenses up to A$2,250 per person

to a maximum of A$4,500.

By funeral expenses we mean:–

• the reasonable costs of returning

your remains or ashes to your home

town/city in

Australia; and/or

• the

reasonable cost of your funeral or cremation.

Interstate Flight Inconvenience Insurance

4. Cancellation of domestic travel arrangements

Under this section we cover

you, after the payment of the entire cost of

your return interstate flight fares, to a maximum A$1,500, if holiday travel

arrangements

you have paid for (but not business related travel) are

cancelled for any of the following reasons.

• you, or a relative unexpectedly:

– dies;

– is seriously

injured; or

– becomes seriously ill.

We will need to see medical advice written by a qualified and registered

member of the medical profession regarding any of the above events and

be satisfied that the expenses involved are

reasonable in amount and

reasonably necessary.

• your normal residence in Australia is totally destroyed but not as an act of

terrorism;

• you are quarantined;

• you are subpoenaed to attend court in Australia;

• your arranged travel is cancelled or delayed by the carrier because of

unexpected natural disasters; or

• the

cardholder or spouse is unexpectedly retrenched. This does not

include voluntary retrenchment or redundancy.

This cancellation cover will cease 14 days after

you leave your Australian

home to travel directly to the airport from where

you are catching your

interstate flight or when you return to your Australian home if you return

your Australian home before the 14 days has expired.

5. Rental vehicle excess cover

We will reimburse

you up to $1,250 for any excess or deductible which

you become legally liable to pay in respect of loss or damage to a rental

vehicle during the rental period provided:

• the

rental vehicle must be rented from a licensed rental agency; and

• the hiring agreement must incorporate the standard comprehensive

motor insurance normally provided by the rental agency covering loss or

damage to the

rental vehicle; and

• you must comply with all the requirements of the rental organisation

under the hiring agreement and of the

rental vehicle insurer.

But we will not pay for…

We will not pay for

your costs arising from:

• loss or damage resulting from the operation of the

rental vehicle in

violation of the terms of the rental agreement; or

• wear and tear, gradual deterioration, damage from insects or vermin,

inherent vice or damage; or

• driving the

rental vehicle on non-public roads.

Interstate Flight Inconvenience Insurance

Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Item No. 59138 11.2007 W120047