Credit and Debit Card Insurances

CommBank Credit Card Complimentary Insurance

Changes to the insurance from 1 July 2015

Effective 1 July 2015, the Commonwealth Bank Credit Cards Complimentary Insurance programme changed and Zurich Australian Insurance Limited (“Zurich”) will no longer be the insurer for cardholders who become eligible for the Credit Cards Complimentary Insurance after 30 June 2015. CommBank has engaged a new insurer from 1 July 2015.

If you only meet the eligibility criteria on or after 1 July 2015 you will be covered under the new arrangement with CommBank’s new insurer. If you want to know more about the new insurance please refer to the Commonwealth Bank web site or phone 1800 837 177.

If you satisfied the eligibility criteria for insurance cover under the Zurich prior to 1 July 2015, Zurich will continue to be responsible for your insurance claim if the insured event occurs prior to 1 July 2016 and your claim is made in accordance with Zurich’s policy wording. Zurich will also provide any overseas emergency assistance for insured events occurring prior to 1 July 2016.

If you became eligible for any of the insurances prior to 1 July 2015 we recommend that you read the insurance booklet below to ensure the cover meets your needs. Booklets can also be obtained by contacting the Commonwealth Bank call centre or from their website.

Contact us

Enquiries and claims:

1800 285 189

Monday - Friday, 9am - 5pm (EST)

The following Information relates to persons who became eligible for the International Travel Insurance prior to 1 July 2015

Pre-existing medical conditions

The International Travel Insurance cover does not cover any event caused by, or arising as a result of, any pre-existing medical condition of:

  • The cardholder; or
  • The cardholder’s spouse; or
  • The cardholder’s dependent child/children; or
  • The cardholder’s other relatives; or
  • The cardholder’s travel companions; or
  • Any other person that may give cause for the cardholder, or their spouse or their dependent child/children to claim.

 

However, a cardholder, their spouse or their dependent child/children (and no-one else) can apply before they leave Australia to have a pre-existing medical condition covered by the International Travel Insurance cover (see below).

Refer to page 13 of the CommBank Booklet for purchases on or after 12 March 2014 (see above) for the definition of a “pre-existing medical condition”.

Apply to cover pre-existing conditions

An eligible cardholder, their spouse or their dependent child/children can before leaving Australia apply to have their pre-existing medical condition(s) covered by the International Travel Insurance. You can apply by phoning 1300 916 507 during AEDT business hours. Unfortunately you can no longer apply online to cover your pre-existing medical condition.

If Zurich Assist agrees that your pre-existing medical condition can be covered, you need to pay a non-refundable $75 administration service fee before you will be covered. Once you have paid the administration service fee it will not be refunded for any reason. After you have paid the administration service fee, confirmation of the coverage of the pre-existing medical condition(s) will be sent to you.

Frequently Asked Questions for CommBank’s International Travel Insurance cover applying prior to 1 July 2015

Important note:

The following FAQ’s relate only to the International Travel Insurance cover available under the CommBank Credit Card Complimentary Insurance and Guaranteed Pricing Cover booklet, applicable for purchases made on or after 12 March 2014 (“CommBank Booklet”) and persons who became eligible for this insurance prior to 1 July 2015, and for insured events that occur prior to 1 July 2016.

If you have questions about any other types of cover under the CommBank Booklet, please refer to the CommBank Booklet above, or you can call Zurich on 1800 285 189.

The following information is a summary only and all insurance cover is provided subject to the terms and conditions of the policy, including all exclusions. Please refer to the CommBank Booklet above for the full terms and conditions. Some terms used below have a special meaning under the policy. Please refer to the CommBank Booklet above for definitions.

1. Prior to 1 July 2015 how could I have become eligible for cover?

As a cardholder, you automatically became eligible for complimentary International Travel Insurance cover when you satisfied all of the following eligibility criteria:

  1. You resided in Australia and had either;
    • An Australian Medicare card; or
    • An Australian issued Temporary Work (skilled) Visa (subclass 457); or
    • An Australian Visa which:
      • Authorised you to live and work in Australia; and
      • Required you to maintain a minimum level of health insurance coverage as required by the Department of Immigration and Citizenship; and
  2. You purchased a return overseas travel ticket before leaving Australia; and
  3. You spent at least A$1,000 on your prepaid travel costs (ie your travel costs that you pay for before leaving Australia); and
  4. You paid these costs by one (or a combination) of the following methods:
    • By redeeming your Commonwealth Awards points through the Commonwealth Awards program (excluding any points redeemed for Frequent Flyer programs); and/or
    • By charging to any of the following current and valid credit cards issued by the Commonwealth Bank:
      • Business or personal Gold credit card; or
      • Business or personal Platinum credit card; or
      • Personal Diamond credit card.

2. Who else can be covered?

If a cardholder satisfies all four eligibility criteria listed in Q1 , then their spouse and/or dependent child/children are also automatically eligible for International Travel Insurance cover if:

  1. They are travelling with the cardholder for the entire journey; and
  2. Each of them also individually satisfies eligibility criteria (1), (2), (3) and (4) listed in Q1.

Refer to the definitions of “spouse” and “dependent child/children” on pages 14 and 10 respectively of the CommBank Booklet (see above).

Children born on your journey are not covered by the International Travel Insurance.

3. Is there a minimum purchase amount?

Yes. To be eligible for International Travel Insurance cover, you must have spent at least A$1,000 on your prepaid travel costs (which may include any combination of a return overseas travel ticket, airport or departure taxes, and/or prepaid overseas accommodation, travel or itinerary items), as well as meet the other eligibility criteria outlined above in Q1.

If your spouse and/or dependent child/children are traveling with you, you must have also spent at least A$1,000 each on their prepaid travel costs, as well as meet the other eligibility criteria outlined in Q2 in order to be eligible for International Travel Insurance cover.

This minimum amount must have been paid by being charged to your eligible CommBank credit card or by being redeemed from your Commonwealth Awards points (excluding points redeemed for Frequent Flyer programs), or a combination of these methods.

Please note that the cost of obtaining passports is a cost that can relate to more than one overseas trip, and therefore is not included in the calculation of prepaid travel costs for any particular trip.

4. Are there any age limits?

Persons who became eligible for the International Travel Insurance prior to 1 September 2013

For persons who became eligible for the International Travel Insurance prior to 1 September 2013, there are no age restrictions that apply to that particular journey.

Persons who become eligible for the International Travel Insurance on or after 1 September 2013 and prior to 1 July 2015

For persons who became eligible for the International Travel Insurance on or after 1 September 2013 (but prior to 1 July 2015) and who were 80 years of age or older at the time they became eligible, there are certain restrictions for those persons as follows:

  • Benefit 1: Medical and hospital expenses incurred overseas – there is no cover; and
  • Benefit 3: Unexpected cancellation of travel arrangements and other unexpected expenses – cover is not provided for certain events: for further details, refer to pages 42 to 45 inclusive of the CommBank Booklet (see above).

Cover is still available under the other benefits of the International Travel Insurance for eligible persons aged 80 years or older.

However, if you are aged 80 years or older and feel that you may require cover for any medical and /or hospital expense or related matters that you may incur overseas, you should obtain advice and consider obtaining other insurance cover elsewhere.

Age restrictions for dependent children (regardless of when the purchase was made)

If your dependent child/children are travelling with you, there are also other age limits and other restrictions on their eligibility – for further information, please refer to the definition of “dependent child/children” on page 10 of the CommBank Booklet (see above).

5. Do I need to tell you I'm travelling?

No.  You automatically become eligible for cover once you meet the eligibility criteria outlined in Q1 and you do not need to notify CommBank or Zurich.

If your spouse and/or dependent children are travelling with you for the entire journey and meet the other eligibility criteria outlined in Q2, they will also automatically become eligible for cover and neither you nor they need to notify CommBank or Zurich that they are travelling.

6. Do any excesses apply?

Yes. For International Travel Insurance cover, you must pay the first A$250 for each claim you make under Benefits 1, 2, 3, 4 and 5. (However, there is no excess payable for replacement of your travel documents, credit cards, and travellers’ cheques, or the emergency replacement of your clothes and toiletries).

If you make more than one claim as a result of a single event, the excess only applies once, and this will be the greater of the applicable excesses.  However, if you submit a claim for separate events (for example, medical expenses and lost baggage), then an excess will apply to each claimed event.

7. What is covered?

Please find below an outline of what is covered under the International Travel Insurance cover. We have also provided the page number of the CommBank Booklet (see above) where you can find out more detail about each event that is covered.

 

Cover we provide Page
 
Medical and hospital expenses incurred overseas 38
Luggage and travel documents 41
Unexpected cancellation of travel arrangements and other unexpected expenses 42
Resumption of journey following the death of a relative 46
Special event cover, for the reasonable costs of alternative transport to arrive at certain types of special event that would otherwise be missed 46
Rental vehicle insurance excess cover 46
Travel delay – reimbursement of reasonable additional meal and accommodation costs 47
Funeral expenses 47
Accidental death 47
Legal liability 48
Loss of income 49
Hijack and detention 49

8. Is pregnancy covered?

We do not cover any expenses that arise due to the normal development and consequences of pregnancy, including regular or routine medical consultations and tests, such as ultrasounds, or for the childbirth itself. However, the mother’s medical expenses are covered if they arise as an unforeseen consequence of the pregnancy or childbirth, and for which the mother would otherwise be covered. However, we do not provide insurance for a child born on the mother’s journey

9. Policy exclusions - what’s not covered?

In any insurance policy, there are some situations that are not covered, due to the costs or types of events involved.

You should read pages 19 to 23 and pages 34 to 37 of the CommBank Booklet (see above) to familiarise yourself with all of the policy exclusions, and then read the sections relating to International Travel Insurance on pages 26 to 47 for details of what is, and is not, covered under each policy benefit.

However, for your convenience we have listed some of the policy exclusions below (please refer to the CommBank Booklet (see above) for full details of exclusions):

Medical and pregnancy

  • We do not insure any event that is caused by, or arises as a result of, any pre-existing medical condition of yours, your spouse or dependent child/children, your relative, your travel companion or any other person that may give cause for you to claim.
    However, a cardholder, their spouse or their dependent child/children (and no-one else) can apply before they leave Australia to have a pre-existing medical condition covered by the International Travel Insurance policy (see above or refer to page 34 of the CommBank Booklet and the definition of “pre-existing medical condition” on page 13 of the CommBank Booklet (see above)).
  • We do not insure you for any travel that you book or take against medical advice, or for the purpose of getting medical treatment or advice, or after being diagnosed as terminally ill.
  • We do not insure any expenses that arise due to the normal development and consequences of pregnancy, including regular or routine medical consultations and tests, such as ultrasounds, or for the childbirth itself.

Safety of your personal items and business items

  • We do not insure your belongings if you don’t take all adequate precautions (considering the value of the items) to protect them.
  • We do not insure your belongings if they are left:
    • Unattended in a public place;
    • Unattended in an unlocked motor vehicle;
    • Unattended in a motor vehicle in view of someone looking into the motor vehicle;
    • Unattended in a motor vehicle overnight;
    • Behind, forgotten or misplaced in a public place; or
    • With a person who steals or deliberately damages them.

Travel warnings

We do not insure you for any event that is caused by or arises from your failure to follow advice or take heed of a warning from any government or official body, or from any publication or broadcast by any member of the mass media; for example, by the Australian government’s Smart Traveller website (http://www.smartraveller.gov.au/).

Activities or employment

  • We do not insure any event that is caused by or arises from you being under the influence of liquor or drugs;
  • We do not insure any events caused by or arising from certain sporting or recreational activities – please refer to pages 21 to 22 of the CommBank Booklet (see above) for details of the activities that are not insured;
  • We do not insure your participation in motorcycling, 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; and
    • You are also licensed (if a licence is required) to drive the motorcycle in the country you are in;
    • However, we never cover any event that is caused by or arises from motorcycle racing;
  • We do not insure any event caused by or arising out of your, or your travel companion’s, employment or work (whether paid, unpaid or voluntary) either in Australia or overseas.

Other insurance

If you are entitled to receive a benefit or make a claim under both this complimentary International Travel Insurance cover and another insurance policy (such as a comprehensive travel insurance policy) in respect of the same loss, then there will be no benefit payable under this complimentary cover until the amount of any benefits payable under that other policy is exhausted. In other words, any insurance cover provided under this complimentary cover shall be limited to excess insurance cover over and above the cover provided by any other policy in respect of the same loss.

Note: This list of exclusions is not exhaustive, and you should review the CommBank Booklet (see above) before booking your travel to familiarise yourself with what is and what is not covered by this insurance.

10. What’s my Policy Number?

Your tour operator may request you to provide a policy number for your travel insurance, or it may be required if you are applying for a visa.

The covers provided to eligible cardholders of CommBank are made available under a Master Policy issued by Zurich to CommBank. The policy numbers are therefore the same for all CommBank credit card customers who are eligible for this insurance.

The policy number is 78 COMMBNK CCI.

11. What documents should I take?

Please take a copy of your CommBank Booklet (see above) overseas with you, as it contains important phone numbers as well as details of the cover.

You must also take copies of whichever of the following documents you need to verify your eligibility for this cover:

  • Copies of receipts and your credit card statement(s) confirming payment of your prepaid return travel costs; and/or
  • A copy of the letter, statement or email confirming redemption of your Commonwealth Awards Program as full or part payment for your return overseas travel tickets.

If you need to make a claim whilst overseas, it is important that you have the above documents with you, as you will need to email or fax these documents to us or to our agents to enable us to confirm your eligibility for cover and/or to authorise any medical treatment.

12. Can you confirm I am covered?

This cover is available under a Master Policy issued to the Commonwealth Bank of Australia by the product issuer, Zurich Australian Insurance Limited (‘Zurich’). Eligible cardholders have the benefit of insurance under this Master Policy as third party beneficiaries and Zurich does not consider your eligibility for the insurance until a claim is lodged.

Zurich staff are not licensed to provide you with personal advice and cannot consider your personal situation in regard to your eligibility for this insurance. However, if you have any questions of a general nature you can contact our friendly customer service staff on 1800 285 189 (Monday to Friday, 8am to 5pm AEDT) and they will be pleased to assist you. If you require personal advice, you will need to contact an insurance adviser or broker.

Make a claim

To make an insurance claim please contact us on 1800 285 189.