B:109 mm T:99 mm S:79 mm B:220 mm S:190 mm T:210 mm

Singapore Airlines Platinum Credit Cards Policy

Effective 7 May 2009 B:208 mm T:198 mm S:178 mm

Important information about the 4 Termination of these covers 5 Privacy 5 Code of Practice 6 Complaints and dispute resolution process 6 Definitions and interpretation 7 Excess – what you contribute to a claim 14 Repairing or replacing damaged property/ 15 personal goods Safety of your property/personal goods 15 Reporting lost, stolen or wilfully damaged 16 property/personal goods Pre-existing medical conditions 16 Enquiries 17 Emergency and medical services whilst overseas 18 (overseas ) B:220 mm S:190 mm Documents to take with you when you are 18 T:210 mm travelling overseas (Overseas travel insurance) Insurance exclusions – what is not covered 19 Claims procedures 23 Subrogation and you assisting Zurich 25 with your claim Fraudulent claims 26 Overseas travel 27 Purchase security insurance policy 42 insurance policy 42 Price guarantee cover 43 Interstate flight inconvenience insurance 44 Benefits 45 Rental vehicle excess insurance in 47 Transit accident insurance policy 47 Schedule of benefits 49 The Insurer is Zurich Australian Insurance Limited Summary of benefits for Singapore Airlines 49 ABN 13 000 296 640, AFSL Number 232507 Westpac Platinum cardholders 5 Blue Street, North Sydney, NSW, 2060 Limits on what we pay 49 Phone: 1800 648 093

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Important information about Termination of these covers the insurances Westpac may terminate the benefits under any one or This document contains your Singapore Airlines Westpac all of the covers in this document for all cardholders or Platinum Card complimentary insurance benefits, which an individual cardholder, and if so will notify primary are effective for purchases where the final payment is cardholders of the termination. Purchases finalised made on or after 1 October 2008 and are only available before expiry of this notification will still be eligible for to cardholders of eligible credit card accounts. cover. However, purchases finalised after expiry of this notification will not be eligible for cover. These benefits are provided automatically to cardholders under the Master Agreement Privacy 78 WPACPLT CCI, entered into between Westpac Zurich respects your privacy. Before you make a claim Banking Corporation ABN 33 007 457 141, AFS Licensee under any of the policies in this document you should No. 233714 of 275 Kent Street, Sydney NSW 2000 know the following things: (“Westpac”) and Zurich Australian Insurance Limited n We do not require personal information until a claim (“Zurich”), ABN 13 000 296 640, AFS Licensee No. is made. We may, however, need personal information 232507 of 5 Blue Street, North Sydney NSW 2060. to assess claims. We will, in relevant cases, disclose the In this document, Zurich may also be expressed as personal information (other than sensitive information “Zurich”, “we”, “us” or “our”. such as health information) to Westpac, their service Although the benefits under the covers are providers and business partners in order to allow the B:220 mm S:190 mm automatically provided to cardholders, cardholders are Bank to monitor the claims service we provide, prevent T:210 mm not obliged to take these benefits. However, if a person fraud and to ensure persons are eligible for the cover. wishes to claim these benefits, they will be bound by n We will also, where relevant, disclose personal the Definitions, Terms and Conditions, Exclusions and information including sensitive information, such as Claims Procedures of the policies. Therefore please health information to our service providers (including read this document carefully and keep it in a safe place. medical practitioners, other health professionals, Please also keep detailed particulars and proof of any reinsurers, legal representatives and loss adjusters). loss including the sales receipt and eligible credit card n By submitting personal details, the person consents account statement showing any purchases. to those organisations collecting and us disclosing Zurich is the product issuer of the policies detailed in personal and sensitive information about you for this document and these benefits are provided at no this purpose. additional cost to the cardholder. Westpac is not the n A list of the type of service providers and business product issuer (insurer) of these policies and neither partners we commonly use is available on request, it nor any of its related corporations guarantee any of or on our website. Go to zurich.com.au and click on the benefits under these covers and Westpac does not the link “Privacy” on our home page. receive any commission or remuneration in relation to these benefits. Neither Westpac nor any of its related n If a claimant does not provide the requested corporations are Authorised Representatives of Zurich information, the assessment of a claim may be or any of its related companies. delayed or we may not accept a claim. n We may also disclose personal information about persons where we are required or permitted to do so by law.

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n In most cases, on request we will give persons If you are unhappy with our response or we cannot access to the personal information we hold about agree with you on reasonable alternative timeframes, them. In some circumstances, we may charge a fee you can refer the matter to the external Disputes for giving this access, which will vary but will be Resolution Scheme of which we are a member. This based upon our costs. scheme is administered by the Financial Ombudsman Service (FOS). FOS will review our decision in General Insurance Code of Practice accordance with their terms of reference. You are As a member of the Insurance Council of Australia not bound by their decision. However, we are bound Limited, Zurich subscribes to the General Insurance to act immediately on the Ombudsman’s decision. Code of Practice. This is a free service provided by an independent The purpose of the Code is to raise the standards of body. Brochures outlining the operations of FOS are practice and service in the general insurance industry. available from us or the Insurance Council of Australia The Code aims to: in your State or Territory. You can phone the FOS from anywhere in Australia on 1300 780 808 or write to n constantly improve claims by handling them in an efficient, honest and fair manner; them at: Financial Ombudsman Service n build and maintain community faith and trust in the financial integrity of the insurance industry; and GPO Box 3, Melbourne, Victoria 3001 n provide helpful community information and Fax: (03) 9613 6399 B:220 mm S:190 mm education about general insurance. T:210 mm Email: [email protected] Complaints and dispute resolution process Internet: www.fos.org.au

If you have a complaint about an insurance product Definitions and interpretation issued by us or a service you have received from us, The following key words (and/or their plurals) when including the settlement of a claim, please call us on highlighted in italics have special meaning in the covers 132 687. We will respond to your complaint within 15 included in this document. working days provided we have all necessary information and have completed any investigation required. If more “accident” means any sudden and unexpected physical information or investigation is required we will agree on force, which occurs on a trip and causes an injury that is reasonable alternative timeframes with you. described in the Schedule of Benefits contained in the “Transit accident insurance policy”. If you are unhappy with our response or we cannot agree on reasonable alternative timeframes, your “act of terrorism” means an act, including but complaint will be registered as a dispute and it will be not limited to the use of force or violence and/or the reviewed by our internal dispute resolution process threat thereof, of any person or group(s) of persons, which is free of charge. whether acting alone or on behalf of or in connection with any organisation(s) or government(s), which from We will respond to your dispute within 15 working its nature or context is done for, or in connection with, days provided we have all necessary information and political, religious, ideological or similar purposes have completed any investigation required. If more or reasons, including the intention to influence any information or investigation is required we will agree on government and/or to put the public, or any section reasonable alternative timeframes with you. We will keep of the public, in fear. you informed of the progress of our review at least every 10 working days and give you our response in writing.

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“Australia” means the area enclosed by the territorial “eligible credit card account” means a current and waters of the Commonwealth of Australia where valid Singapore Airlines Westpac Platinum credit card benefits are payable and “Australian” has a credit facility provided by Westpac to which purchases corresponding meaning. made by cardholders are charged. “Australian warranty” means the manufacturer’s “family” means a cardholder and his/her spouse and/or expressed written warranty, that is applicable and child/children and/or parents, provided they are eligible able to be fulfilled within Australia and which has been for the overseas travel insurance . properly registered with the manufacturer, provided the “frequent flyer points” means KrisFlyer Miles. warranty is for a period in excess of six months but less “injury/injured” means loss of life or bodily hurt, but than four years. not an illness or sickness: “bed care patient” means that as a result of an injury n caused by an accident whilst the policy is in force; and or illness during your journey, you are confined to an overseas hospital bed for a continuous period of not less n resulting independently of any other cause. than 24 hours. Your confinement must be certified as Furthermore injury as used in the “Transit accident necessary by a legally qualified and registered medical insurance policy” with reference to hand or foot means practitioner and you must be under the continuous severance through or above the wrist or ankle joint and, care of a registered nurse (other than yourself or a as used with reference to an eye means irrecoverable member of your family). You are not classified as a bed loss of the entire sight thereof. care patient if you are a patient in any institution used “interstate flight” means travel on a registered B:220 mm S:190 mm T:210 mm primarily as a nursing or convalescent home, a place of passenger airline (but not charter trips) from Tasmania rest, a geriatric ward, a mental institution, rehabilitation to any mainland Australian State or Territory, or from or external care facility or a place for the care or any mainland Australian State or Territory to another treatment of alcoholism or drug addiction. mainland Australian State or Territory or to Tasmania. “cardholder” means a person who permanently resides “journey” in Australia and to whom Westpac has issued a credit The journey starts: card for an eligible credit card account. This includes n on the departure date (from Australia) shown on the additional cardholders. If a family is travelling together, return overseas travel ticket; or only one person can claim the benefits payable to the n once you leave your home, if you travel directly from cardholder. The others can only claim as a spouse or your home in Australia to the Australian air or sea child or parent. terminal that is the departure point for your trip. In relation to the “Purchase security insurance policy” The journey ends when the first of the following occurs: this definition is also extended to include any Australian n at midnight on the date when your scheduled resident who, by way of a gift from the cardholder, transport (as shown on your return overseas travel receives any personal goods, purchased by the ticket) is due to arrive in Australia; or cardholder. n when you return to your home in Australia, provided “child/children” means all children of a cardholder, of you travel directly there from the air or sea terminal any age. where you landed in Australia; or “eligible credit card” means a current and valid n six months after the date of departure shown on Singapore Airlines Westpac Platinum credit card issued your return overseas travel tickets; or by Westpac for an eligible credit card account. n when you cancel your return overseas travel ticket. 8 9 B:208 mm T:198 mm S:178 mm

“KrisFlyer miles” means the miles awarded to n for all other sections in the “overseas travel members of the KrisFlyer Programme. insurance policy”, the period of cover means the “KrisFlyer Programme” means the programme period of the journey. operated by Singapore Airlines awarding free travel, travel “personal good(s)” includes all new personal property upgrades and other travel-related benefits to members of acquired for personal domestic or household use, but the programme. does not include: “natural disaster” means any event or force of nature n items acquired for the purpose of resupply/resale; or that has catastrophic consequences such as avalanche, n items acquired for transformation in a business; or earthquake, flood, tsunami and volcanic eruption, but n items purchased in a business name; or not epidemics or pandemics. “overseas” means outside Australia. n business owned or business related items; or Also for the purposes of the overseas travel n animals or plant life; or insurance policy: n computer software or non-tangible items; or n travel from Tasmania or from mainland Australia to n cash, bullion, negotiable instruments, trading cards, Norfolk Island or Christmas Island will be considered lottery tickets or other gambling related items, as overseas travel; and tickets of any description, traveller’s cheques, or n travel from Norfolk Island or from Christmas Island collections such as stamps, coins and cards; or to Tasmania or mainland Australia will be considered n consumable or perishable items (including but not B:220 mm S:190 mm as overseas travel; however, medical and hospital limited to food, drugs, fuel or oil); or T:210 mm expenses will not be covered if the person claiming n boats, automobiles, motorboats, airplanes or any is eligible for Medicare benefits; and other motorised vehicles and their integral parts n travel from Tasmania or from mainland Australia to and installed accessories; or Lord Howe Island or Cocos Island will be considered n second-hand items, including antiques; or as overseas travel; however, medical and hospital n items of contraband; or expenses are not covered; and n real estate and movable fixtures or fittings n travel from Lord Howe Island or from Cocos Island (including but not limited to dish washers and fixed to Tasmania or mainland Australia will be considered air conditioners) which are, or are intended to form as overseas travel; however, medical and hospital expenses are not covered. part of any home or real estate; or “parent” means the mother or father of a cardholder. n items acquired for a purchase price exceeding A$10,000. “period of cover” “pre-existing medical condition” is relevant to the n for “unexpected of travel arrangements cardholder, any relative, travel companion or any other and other unexpected expenses” in the “overseas person that may give cause for you to claim and means: travel insurance policy”, this means the period of cover commencing after the deposit for your n any existing medical condition, including but not planned return overseas travel ticket has been limited to mental disorder, anxiety, alcoholism, arranged by use of the cardholder’s eligible credit drug addiction or pregnancy and/or any chronic card and you intend to obtain the remainder of or ongoing physical, medical or dental condition, your return overseas travel ticket by use of the for which investigation (whether or not a diagnosis cardholder’s eligible credit card; and has been made), treatment or advice has been

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received, or medication prescribed or taken at any “rental vehicle” means a rented passenger vehicle time before you obtained your return overseas travel rented from a licensed motor vehicle rental company. ticket; and “return overseas travel ticket” means a ticket or n any condition, including but not limited to mental tickets allowing travel from and returning to Australia. disorder, anxiety, alcoholism, drug addiction or “SIA” means Singapore Airlines Limited (Company pregnancy and/or any physical, medical or dental Registration Number 197200078R, a company condition, for which investigation (whether or not incorporated in Singapore). a diagnosis has been made), treatment or advice is “special event” means a wedding, funeral, pre-paid received, or medication prescribed or taken, after conference, pre-paid sporting event or pre-paid concert, you obtained your return overseas travel ticket, but or other event which does not ordinarily occur on a prior to the commencement of your journey; and regular basis which before you left Australia you had n any complication arising from any such condition planned to attend. We reserve the right to determine if outlined above, except that unexpected/unforeseen any other event other than those listed above qualifies events relating to pregnancy are not regarded as a as a special event. pre-existing medical condition. “spouse” means a defacto partner of the cardholder “primary cardholder” means the person(s) in whose who is permanently living with the cardholder at the name(s) the eligible credit card account is opened. time the journey starts or a person married to the “reasonable” means: cardholder. We may ask for proof of any relationship. B:220 mm S:190 mm n for medical and hospital expenses, the care obtained “travel companion” means a person who, before T:210 mm should be at the standard level given in the country the journey began, arranged to accompany you from you are in and not exceed the level you would Australia and then on your journey for at least 50% of normally receive in Australia; and the time of your journey. n for all other expenses, such as unexpected travel “trip” means: and accommodation, the standard must not exceed n passage by the cardholder as a paying passenger the average standard of travel and accommodation (not as a pilot, driver, or crew member etc.) in you booked for the rest of your journey. a licensed plane, bus, train or ferry authorised “relative” means the cardholder’s: pursuant to any statute, regulation, by-law or n spouse; or the equivalent thereof for the transportation of passengers for hire. Provided the cost of the passage n parent, parent-in-law, step-parent, guardian; or was charged to the cardholder’s eligible credit card n grandparent; or account and the cardholder is not on their way to or n child, grandchild, stepchild; or from their place of work (whether paid, unpaid or n brother, brother-in-law, sister, sister-in-law; or voluntary work); and n daughter, daughter-in-law, son, son-in-law; or n passage by the spouse and/or child and/or parent as paying passengers (not as a pilot, driver, or crew n fiancé, fiancée; or member etc.) in a licensed plane, bus, train or ferry n uncle, aunt; or authorised pursuant to any statute, regulation, n half-brother, half-sister; or by-law or the equivalent thereof for the n niece, nephew. transportation of passengers for hire. Provided the cost of the passage was charged to the cardholder’s

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eligible credit card account and they are not on their replacement of your travel documents, credit cards and way to or from their place of work (whether paid, travellers cheques and the emergency replacement of unpaid or voluntary work). your clothes and toiletries. Also if you make more than “unattended” means (but is not limited to) your one claim as the result of a single event, the excess only possessions are not with either you or your travel applies once. companion or are in a position where they can be taken “Interstate flight inconvenience insurance” – You without you or your travel companion knowing or being must pay the first A$200 for each claim made under able to prevent them from being taken. “Benefits 2 and 4”. “use of the cardholder’s eligible credit card Repairing or replacing damaged property/ account” means that the total value (i.e. including but personal goods not limited to money and/or frequent flyer points and/ If an item is damaged, lost or stolen we may choose to: or staff discounts) of the return overseas travel ticket (but not taxes, airport or travel agent charges) was n repair the item; or obtained for your journey by one or a combination of n replace the item, less depreciation. This means we the following methods: will replace the item for an amount equal to its original cost, less a depreciation figure which takes n was paid for being charged to a cardholder’s eligible credit card account; and/or into account its age and condition; or n pay you the amount it would cost us to replace the n the cardholder is a current Singapore Airlines item less depreciation. B:220 mm S:190 mm Westpac Platinum cardholder and a member of T:210 mm the KrisFlyer Programme and has redeemed their However, property/personal goods left unattended in a frequent flyer points earned on the cardholder’s motor vehicle are only insured for up to A$2,500 in total. eligible credit card account to obtain your return If you bought the item duty free or overseas the overseas travel ticket. amount you paid for the item will be the maximum “you”, “your”, “yours”, “yourself” means the amount paid by us. cardholder or the cardholder’s spouse or cardholder’s Where the item is part of a pair or set, you will receive children or cardholder’s parents provided they are no more than the value of the particular part or parts eligible for the insurance. lost, stolen or damaged, regardless of any special value Excess – what you contribute to a claim that the item may have by way of being part of such pair or set. Excesses may apply to certain sections of cover. An excess is not an additional fee charged by us at the Safety of your property/personal goods time of making a claim. Rather, it is the uninsured first You must take all adequate and reasonable precautions portion of a loss for which you are otherwise covered (considering the value of the items) to protect your (i.e. the amount that you must contribute towards each property/personal goods and you are not covered if you claim). Details of the excess amounts and circumstances do not take reasonable precautions (considering the value in which they will be applied are set out below: of the items) to protect your property/personal goods. “Overseas travel insurance” – You must pay the first Property/personal goods is/are not covered under any of A$200 for each claim made under Benefits 1 to 7 of the insurances if left: ‘Part B’. However, under “Benefit 2: ‘Loss or damage n unattended in a public place; or to personal items” there is no excess payable for the n unattended in an unlocked motor vehicle; or

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n unattended in a motor vehicle in view of someone 1800 812 994. Our team of medical professionals will looking into the motor vehicle; or assess your condition. If Zurich Assist determines to n unattended in a motor vehicle overnight; or cover your pre-existing medical condition, you will need to pay an administration fee and Zurich Assist will send n behind, forgotten or misplaced; or you a letter confirming that your pre-existing medical n with a person who steals or deliberately condition is covered for the remainder of the period of damages them. cover for the journey in question. A “public place” includes, but is not limited to shops, In regard to pregnancy, we do not insure you for any airports, bus depots, streets, hotel foyers (or hallways expenses that arise due to the normal development and and grounds), restaurants, beaches, public toilets, car consequences of pregnancy, including but not limited to parks, office areas, behind counters, housing and hostel regular or routine medical consultations and tests (such common areas, unlocked hostel and hotel rooms and as ultrasounds) and the childbirth itself. We do cover any place which is accessible to the public. the mother’s expenses if they arise as an unforeseen Reporting lost, stolen or wilfully damaged consequence of the pregnancy or childbirth and for property/personal goods which otherwise the mother would be covered. This, In the event that your property/personal goods are however, does not mean that cover is provided for the stolen, wilfully damaged or accidentally lost, you health of a child born on the journey. must make a report to the police or to the nearest Enquiries government agency or authority. You must do this B:220 mm S:190 mm n Additional copies of this document can be obtained T:210 mm within 24 hours of learning of the theft, loss or damage by phoning Westpac on 1300 859 100 or visit and the report must list and describe the missing or westpac.com.au (select “Credit Cards” from the damaged property/personal goods. navigation menu). If the loss or willful damage occurs overseas, a copy n If you require personal advice on any of these of this report must be obtained and the authority insurances, please see your insurance adviser. must sign the copy and write on it that it is a true and n If you wish to make a general enquiry regarding the accurate copy of the original. cover outlined in this document you can phone us Pre-existing medical conditions on 1800 091 710; however, please make sure you The insurances do not cover you for any event that is have this document on hand when you phone us. caused by or arises as a result of a pre-existing medical Please also note: condition of yours or any pre-existing medical condition n The “overseas travel insurance” cover is for a of a relative, travel companion or any other person that maximum period of six consecutive months and may give cause for you to claim. If, however, you are cannot be extended. You do not have to advise us going overseas you may, prior to leaving Australia, apply that you will be travelling as you are automatically for your pre-existing medical condition to be covered covered, provided you are eligible for this cover and under the “overseas travel insurance”. adhere to the Definitions, Terms and Conditions, The pre-existing medical conditions of your relatives, Exclusions and Claims Procedures of that policy. travel companion or any other persons that may give cause for you to claim cannot be waived. If you wish to apply for cover for your pre-existing medical condition, please phone Zurich Assist on

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Emergency and medical services whilst overseas In the event that you need to make a claim under the (overseas travel insurance) “overseas travel insurance policy” (especially if claiming In the event of an emergency overseas, simply call whilst overseas), it will be necessary for Westpac or Zurich Assist (reverse charge/collect) any time from any its agents to confirm to us or our agents that your place in the world. You can usually do this by phoning return overseas travel ticket was obtained by use of the the operator where you are and booking a reverse cardholder’s eligible credit card account. Without this charges call to Australia +61 2 9995 2021. information, a claim may be delayed and it may not be possible for us or our agents to give approval for any Zurich’s team of medical professionals is only a phone overseas medical attention. call away and is available 24 hours a day, seven days a week for advice and assistance in the event of a medical Insurance exclusions – what is not covered emergency and any associated problems for travellers In any insurance policy there are situations that are outside Australia. not covered. Whilst we try to extend our cover to most Zurich Assist has access to a worldwide team of skilled situations, we are not able to insure some situations doctors and medical professionals and provides the because of the costs or types of events involved. following services free of charge: In addition to any specific exclusions contained in n access to Registered Medical Practitioners for any individual cover in this document, the following emergency assistance and advice; exclusions apply to all the covers in this policy: n emergency transportation to the nearest n We reserve the right to not insure you if you act B:220 mm S:190 mm suitable hospital; against our advice or that of our Medical Team, i.e. T:210 mm n emergency evacuation, if necessary; we decide to arrange for you to be moved from your location to hospital at another location and decide n advise your family in Australia of your medical against it. condition and keep them informed of the situation (only at your request); n We do not insure you for any event that is caused by or arises as a result of any pre-existing medical n payment guarantees to hospitals and condition of yours, a relative, travel companion or insurance verification; any other person that may give cause for you to n second opinions on medical matters; and claim unless it relates to overseas travel insurance n urgent message service and emergency and we have given prior written approval to cover travel planning. your pre-existing medical condition and you have Documents to take with you when you are paid the administration fee. travelling overseas (overseas travel insurance) n We do not cover your property/personal goods left You should take this document (it contains important unattended in a motor vehicle for any more than phone numbers and details of the cover provided), $3,500 in total. and copies of your return overseas travel ticket and n We do not insure you in regard to any travel that: also your eligible credit card account statement and/ – you book or take against medical advice; or or the necessary documentation to prove that your – y o u take for the purpose of getting medical return overseas travel ticket was obtained by use of the treatment or advice; or cardholder’s eligible credit card account. – y o u take after a qualified and registered member of the medical profession informs you that you are terminally ill. 18 19 B:208 mm T:198 mm S:178 mm

n We do not insure you for any event that is caused by – any act of terrorism; or or arises from: – any loss arising out of or in connection to an – y o u failing to follow advice or take heed of a epidemic or pandemic event; or warning from: – any war or warlike activities, whether war has • any government; been formally declared or not, any hostilities, • or any official body; rebellion or revolution, or civil war, military • or any publication or broadcast by any member coup, or overthrow/attempted overthrow of a of the mass media; or government/military power; or – y o u being under the influence of liquor or drugs; or – any person or organisation, who lawfully destroys – y o u r involvement in illegal activities, fraud or or removes your ownership or control of any abuse; or property/personal goods; or – y o u r underwater activities that involve using – any government prohibition or restrictions or artificial breathing equipment (unless you have government customs, or government authorities an open water diving license or are diving with a delaying or detaining you or seizing or keeping qualified and registered diving instructor); or your baggage; or – y o u r mountaineering or rock climbing (if you – non-receipt of the property/personal goods that need to use climbing equipment, ropes or guides), you have purchased and are being transported to white water rafting or boating, abseiling, bungy you; or B:220 mm S:190 mm jumping, pot holing, running with the bulls, caving – y o u r participation as a crew member or pilot of T:210 mm or tobogganing; or any conveyance; or – you racing (other than foot); or – y o u or your travel companion’s employment – y o u r participation in any kind of professional or work (whether paid or unpaid or voluntary) sport; or either in Australia or overseas. This includes not – y o u r air travel or any aerial activity (for example, being able to take leave from that employment, hang-gliding, base jumping and skydiving). But unless your claim is covered under “unexpected if you are a paid passenger in a fully licensed cancellation of travel arrangements” and other commercial passenger aircraft, we do insure you; or unexpected expenses in the “overseas travel insurance policy”; or – any activities involving hunting equipment or projectiles (e.g. shooting and archery); or – y o u or your travel companion’s financial circumstances or any business or other – your participation in motorcycling, unless: contractual relationship; or • it involves a hired motorcycle with an engine capacity of 200cc or less; and – changes in currency rates, or any losses due to the • you are the driver; and devaluation or change in currency value; or • you hold a current Australian motorcycle – theft, loss or damage to business owned items, licence; and business related items or items purchased in a • y o u are also licensed (if a licence is required) to business name; or drive the motorcycle in the country you are in; but – y o u or your travel companion not wanting to • we never cover any event that is caused by or continue with your travel arrangements/journey, arises from motorcycle racing; or or cancelling it or cutting it short, unless your

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claim is covered under the “overseas travel – disappearance of the property/personal goods in insurance policy” in the section “unexpected circumstances which cannot be explained to our cancellation of travel arrangements and other satisfaction; or unexpected expenses”; or – radioactivity, radioactivity contamination or – deterioration, normal wear and tear; or the use, existence or escape of any nuclear fuel, – any defective item or any defect in an item, or nuclear material or nuclear waste; or damage arising from inherent defects in an item – consequential loss or damage, punitive damages or an electrical or mechanical fault or breakdown, or any fines or penalties, including punitive, unless covered under the “Extended warranty exemplary, liquidated or aggravated damages; or insurance policy”; or – y o u or your travel companion’s failure to procure a – any process of servicing, repairing or restoring an passport or visa; or item unless we have given prior approval; or – the inability of the tour operator, wholesaler, – laundering (including washing, ironing and dry transport provider, travel agent or any other cleaning) whether by professional persons or service provider to complete arrangements or otherwise; or complete any part of a tour. – vermin or insects, mildew, atmospheric or climatic Claims procedures conditions, or flood; or Please do not contact Westpac in the event of a claim, – y o u r failure to comply with the recommended as Westpac does not approve claims and is not involved B:220 mm S:190 mm T:210 mm security guidelines for the use of bank or currency in processing the claims. notes, cheques, credit card, postal or money If you want to make a claim under any of these policies, orders or petrol coupons; or you must: – y o u not taking all adequate precautions 1. Whilst you are overseas: (considering the value of the items) to protect Phone Zurich Assist (refer to page 18, “Emergency your property/personal goods or if the property/ and medical services whilst overseas”). personal goods are left: In order for Zurich Assist to confirm your eligibility • unattended in a public place; or for overseas travel insurance, you will need to • unattended in an unlocked motor vehicle; or have copies of the documents listed on page 18, • unattended in a motor vehicle in view of ‘Documents to take with you’. someone looking into the motor vehicle; or • unattended in a motor vehicle overnight; or 2. If you are in Australia (or when you return to • behind, forgotten or misplaced; or Australia), you must follow the steps listed below. • with a person who steals or deliberately Contact us on 1800 648 093 within 30 days of damages them. returning home from overseas or interstate (even if you have previously reported the matter to Zurich A “public place” includes, but is not limited to Assist), or if you are already home, contact us within shops, airports, bus depots, streets, hotel foyers 30 days of learning of an occurrence (loss, damage (or hallways and grounds), restaurants, beaches, or breakdown) that may result in a claim. However, public toilets, car parks, office areas, behind if you are making a guaranteed pricing claim, you counters, housing and hostel common areas, must contact us within 21 days of the purchase of unlocked hostel and hotel rooms and any place the personal good. which is accessible to the public; or

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We may require you to complete a written loss report. If n if your travel or accommodation arrangements are we do, we will provide you with the forms which should cancelled and you intend claiming, you must provide be returned to us within 30 days after you receive them. a letter from the carrier, hotel, etc., outlining the Alternatively, in order to provide you with the most refund you were entitled to; immediate response you can download the appropriate n any damaged items for which you are claiming claim form from the Zurich website, www.zurich.com.au so that they can be inspected by us or our Note: Failing to contact us or return the completed loss authorised representative; report (if required) within the times stated might result n a quote (at your expense) for the replacement of lost in denial of the claim. or stolen items, or quote (noting the serial number You must provide us with any evidence/documentation for “Extended warranty insurance” claims) for the we require to verify your claim. Depending on the policy repair of damaged or broken-down items. We will, you are claiming under, this might include (but is not however, pay the reasonable cost of the quote if we limited to) any of the following: agree to pay the claim; n proof that you are eligible for insurance cover – e.g. n copy of the Australian warranty if claiming under the your eligible credit card account statement and “Extended warranty insurance policy”; credit card receipt to confirm the purchase of your n in regard to the guaranteed pricing scheme, we return overseas travel ticket(s), etc.; require evidence that the cheaper item is the same n if items were stolen, willfully damaged, or accidentally (i.e. model number, model year, and manufacturer) B:220 mm S:190 mm lost you must give us the police report number, or if as the personal good you purchased, and we require T:210 mm the incident occurred whilst you were overseas, a copy a copy of the printed catalogue advertising the of the report you obtained from the police or nearest cheaper item, and evidence that the advertisement government agency or authority. The report should was printed after you purchased the personal good. be certified by the relevant authority as being a true Subrogation and you assisting Zurich with and correct copy of the original; your claim n proof of your ownership of any lost, stolen or When making a claim you must advise us of any damaged items – e.g. purchase receipts; details of any other insurance under which you are n evidence of your intended flight – e.g. ticket, travel entitled to claim. agent’s itinerary showing your flight or a letter from You must also, as far as allowed by law, give us all the the airline, etc.; assistance we may require to institute proceedings n evidence of the delay, including in the case of against other parties for the purpose of enforcing rights luggage delay, a lost property/delayed property or remedies to which we would become entitled or report issued by the airline; subrogated upon, by making good any loss or damage n receipts for any items you buy to replace those under any of the covers included in this document. that were lost or stolen or purchased as emergency replacement of your clothes and toiletries; n if any items 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; 24 25 B:208 mm T:198 mm S:178 mm

Fraudulent claims Overseas travel insurance policy When making a claim you have a responsibility to assist “Overseas travel insurance” is a benefit available Zurich and to act in an honest and truthful manner. to current Westpac cardholders, who by use of the If any claim is fraudulent in any way or if you or any one cardholder’s eligible credit card account, paid for in full acting on your behalf uses fraudulent means to make the cost of their return overseas travel tickets. It is also a claim on any of the covers in this document, then available to the cardholder’s spouse and the cardholder’s no payment will be made in regard to the claim. Also, children and cardholder’s parents, provided their return Westpac will be informed of the situation and you may overseas travel tickets were paid for in full by use of the no longer be eligible for any of the insurances and “Price cardholder’s eligible credit card account. guarantee cover” contained in this document. The cover is available for a period of six months and can In the event we believe you or any one acting on your not be extended. However, if your return to Australia is behalf has made or attempted to make a fraudulent delayed because of events covered under this policy, or claim, we may file a criminal complaint. You will also be your scheduled transport back to Australia is delayed liable for any loss we incur as a result of your fraudulent for reasons beyond your control, the period of insurance claim. will automatically be extended for a period of up to four weeks or until you return to your home in Australia, whichever occurs first. B:220 mm S:190 mm T:210 mm

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Overseas travel insurance index Part A – The limits that apply and a summary of the cover Part A 29 The limits that apply and a summary of the cover The table below shows the limits that apply and an outline of the cover available for cardholders and their Part B 31 spouses and children and parents. Please read the The cover we provide entire policy to make sure you understand the details Medical and hospital expenses incurred overseas 31 of the cover provided and to ensure it meets your Loss or damage to personal property 33 requirements.

Unexpected cancellation of travel arrangements 34 Benefit Limits and other unexpected expenses. 1. Medical Unlimited, except bed care patient allowance (i.e. Resumption of journey following the death 38 and hospital miscellaneous expenses such as phone calls and of a relative expenses TV rental) of A$100 per day, and is limited to incurred A$12,000 in total. Note: No cover for pre-existing Special event 38 overseas. medical conditions, unless prior approval given and Rental vehicle excess 39 the administrative fee is paid. Travel delay 39 2. Loss or Up to A$20,000 per person and up to damage to a maximum A$30,000 for a family Funeral expenses 39 personal subject to the following limits. However, property/ Accidental death 40 property. personal goods left unattended in a motor vehicle are only insured up to A$3,500 B:220 mm S:190 mm Legal liability 40 in total. T:210 mm Clothing and personal valuables –A$3,500/item. Portable electrical equipment and binoculars – A$3,500/item. Cameras and associated equipment/accessories – A$3,500/item. Laptop computers and associated equipment/ accessories – A$5,500 in total. Travel documents, traveller’s cheques, credit cards, cash etc. – A$550/person to a maximum of A$1,250 for a family. Emergency replacement of your clothes and toiletries with a maximum of A$1,250 for a family – A$550/person. Note: No cover for items used for any business purpose or purchased in a business name. 3. Unexpected Unlimited for covered events, except for travel cancellation agent’s cancellation fee, which is limited to an of travel amount equal to the lesser of A$500 or 15% of arrangements the value of the travel arranged by the agent. and other Also, cover for the financial insolvency or financial unexpected collapse of a licensed service provider is limited to expenses. A$3,750 per person up to a maximum of A$7,500 for a family.

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4. Resumption Up to A$5,750 per person up to a maximum Part B – The cover we provide of journey A$12,500 for a family. Benefit 1: Medical and hospital expenses following the death of a incurred overseas relative. We insure you for medical and hospital expenses you 5. Special Up to A$3,750 for reasonable cost of arranging incur overseas on your journey. event. alternative transport in order to attend a special event. We reserve the right to return you to Australia for 6. Rental Up to A$5,500. ongoing medical attention. In Australia we are not vehicle excess. licensed to pay medical and hospital expenses and you 7. Travel delay. For reasonable additional meal and would need to claim on Medicare and/or your Australian accommodation costs after a six hour delay, up to medical insurer. If you choose not to return to Australia A$500 per person up to a maximum of A$1,000 we will cease to pay for the subsequent medical and for a family. hospital expenses you incur overseas. 8. Funeral Up to A$12,750 per person to a maximum expenses. A$25,500 for a family for an overseas funeral/ By medical expenses we mean expenses for: cremation or return of remains to Australia. n medical, paramedical, or surgical treatment; or 9. Accidental In the event of accidental death which is not n other treatment, given or prescribed by a qualified death. covered under the “Transit accident insurance and registered member of the medical profession; or policy” included in this document, we will pay A$17,500 per cardholder and A$12,500 for a n emergency dental treatment to natural healthy spouse. B:220 mm S:190 mm teeth (but not ongoing dental treatment) up to T:210 mm 10. Legal Limit of A$2,500,000. A$1,250 where the treating dentist confirms in liability. writing that the treatment was solely to relieve sudden and severe pain; or n ambulance, hospital, or nursing home charges; or n expenses for emergency evacuation to Australia or another country, if the local medical services are inadequate or not available. The evacuation must be authorised and arranged by Zurich Assist (book a reverse charge/collect call from anywhere in the world on +61 2 9995 2021). If we agree to pay the hospital and medical expenses associated with your stay in an overseas hospital, we will also pay you, in addition to the hospital and medical charges, a cash bed care allowance, which covers incidental expenses, such as a rental TV, newspapers or hospital phone calls, for each continuous 24-hour period you are confined in an overseas hospital as a bed care patient, provided the claim is supported by written confirmation from the hospital of the length of your stay.

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We will also pay for a relative or friend to travel to approval to cover your pre-existing medical condition where you are, to either care for you or to escort you and you have paid the administration fee; or back to your normal residence in Australia if: n arise from dental treatment caused by or related to n you are injured or become seriously ill during the the deterioration and/or decay of teeth or involving period of cover; and the use of precious metals; or n you show us medical advice written by a qualified n you can recover from any private medical fund or and registered member of the medical profession, similar government scheme; or stating that a companion/escort is necessary; and n you incur in Australia; or n Zurich Assist agrees that a companion/escort is n arise from HIV, AIDS, ARC (AIDS Related Complex, reasonably necessary. however this syndrome may be acquired or named), The companion’s/escort’s costs will be reimbursed to or any related illness, no matter how you become the person who incurs the expense. infected; or Medical expenses n arise from a sexually transmitted disease; or n arise from any disease that is transmitted when We will pay for… giving or taking a drug. Unless the giving or taking of We will pay for your overseas medical expenses during the drug is supervised by a qualified and registered the period of cover if you: member of the medical profession and the disease is n become ill overseas; or not excluded anywhere else in this ”Overseas travel B:220 mm S:190 mm T:210 mm n get injured overseas, provided the injury was insurance policy”; or accidentally caused by a sudden physical force. n you incur more than 12 months after the date of We will only cover your medical expenses if: your illness or disablement. n you incur them overseas, during your journey; and Benefit 2: Loss or damage to personal property n you are legally responsible for paying them; and We insure you, during your journey for the theft and n you show us medical advice, written by a registered accidental loss or damage to the following property/ and qualified member of the medical profession, as personal goods that you either take with you or buy on proof of your illness or injury and the treatment you your journey: need for it. n baggage, clothing and personal valuables; and n We assess that your medical expenses are reasonable n portable electrical equipment and binoculars (but in amount and reasonably necessary. we will not pay for scratched lenses); and Please remember that you can only claim for n cameras and associated equipment/accessories (but emergency evacuation if it is arranged by Zurich Assist we will not pay for scratched lenses); and (book a reverse charge call from anywhere in the world n laptop computers and associated equipment/ on +61 2 9995 2021). accessories (but we will not pay for scratched But we will not pay for… screens); and We will not pay for medical expenses that: n travel documents, travellers cheques, bank notes, currency notes, postal orders, money orders, cash n arise from pre-existing medical conditions unless prior to you leaving Australia, we have given prior written credit cards or petrol coupons taken with you on your journey for personal use.

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Note: Items used for any business purpose or purchased Also, the cardholder’s spouse and/or children and/or in a business name are not covered. parents will become eligible under this section provided We will also provide for the emergency replacement the deposit for their return overseas travel ticket(s) of your clothes and toiletries, if your entire luggage is has been obtained by use of the cardholder’s eligible delayed, misdirected, or temporarily misplaced by any credit card and it is intended that they will obtain their carrier for more than 12 hours. return overseas travel ticket(s) entirely by use of the cardholder’s eligible credit card. If your travel documents, credit cards or traveller’s cheques are accidentally lost or stolen you are covered Under this section Zurich covers you for the unexpected for their replacement and any legal liability for payment cancellation of travel arrangements and other unexpected arising out of their unauthorised use only if: expenses, provided the claim is not covered elsewhere in this policy. The expense must be incurred during the n you have complied with all the conditions you period of cover for one of the reasons listed below: agreed to when your travel documents, credit cards or cheques were issued; and n there is a natural disaster, or a natural disaster has recently happened or is reasonably expected to n you have reported the loss to the appropriate happen either at your destination or at your or your authorities (e.g. police) as soon as possible after the travel companion’s normal residence in Australia; or discovery of the loss. n whilst overseas you or your travel companion’s travel If you are claiming for the emergency replacement documents are lost or stolen; or of your clothes and toiletries, you will need to obtain B:220 mm S:190 mm written confirmation from the carrier who was n your or your travel companion’s normal residence in T:210 mm responsible for the luggage and you will need to provide Australia is destroyed; or us with receipts for the replacement items you needed n you or your travel companion are quarantined; or to purchase. n you or your travel companion are subpoenaed to In the event of a claim you must prove your ownership attend court in Australia; or of the property and prove the value of the property n your pre-existing medical condition, if we have (e.g. receipt or valuation for jewellery). If you can not given prior written approval to cover your pre- prove the value of your property, the most we will pay existing medical condition and you have paid the for each individual item is 10% of the limit shown for administration fee; or the type of item in “Part A – The limits that apply and a n your pre-existing medical condition, if after summary of the cover”. purchasing your return overseas travel ticket(s), Benefit 3: Unexpected cancellation of travel you become aware you have a medical condition, arrangements and other unexpected expenses which we will then not provide pre-existing medical In regard to the cover provided under this benefit, the condition cover for; or cardholder will become eligible for the benefits when n you , your travel companion or a relative the deposit for their return overseas travel ticket(s) living in Australia: has been obtained by use of the cardholder’s eligible – dies; or credit card and the cardholder intends to obtain their – is seriously injured; or return overseas travel ticket(s) entirely by use of the cardholder’s eligible credit card. – becomes seriously ill.

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Note: We will need to see medical advice written by n cancel any other travel or accommodation a qualified and registered member of the medical arrangements that depend on your cancelled profession regarding any of the above events and be arrangements and that you are now unable to use. satisfied that the cancellation was appropriate and We will pay for... reasonably necessary. If you continue your travel n the unexpected cancellation of you or your travel You may decide to continue your cancelled companion’s authorised prearranged leave provided travel arrangements. If you do this at the earliest the person whose leave has been cancelled is a possible opportunity after cancellation, we will, full time employee of the police, fire, ambulance, at our option, either: defence or emergency services; or n pay for any part of your cancelled travel n you or your travel companion having to sit arrangements that: unexpected exams in regard to studies either of you are undertaking; or – you have paid for but are unable to use; and n a special event has been cancelled or postponed for – that are non-refundable; or reasons beyond your expectations or control; or n pay the costs of a higher class of travel, or increased n your arranged travel is cancelled or delayed by the seasonal rates for travel, if that is the only class or carrier because of unexpected: rate available. We will pay these costs minus the amount of any refundable part of your cancelled – mechanical breakdown; or B:220 mm

travel arrangements. We will only pay to upgrade S:190 mm T:210 mm – weather conditions; or your travel on the type of transport you chose in – natural disasters; or your cancelled travel arrangements. – riots, strikes, civil commotion (but not acts of We will also pay for any part of your cancelled terrorism, any warlike activities, war, whether it accommodation arrangements that: has been formally declared or not, any hostilities, n you have paid for but are unable to use; and rebellion or revolution, or military coup, or n which are non-refundable. overthrow of a government); or n you or your travel companion are unexpectedly If you do not continue your travel retrenched. This does not include voluntary You may decide not to continue with the cancelled retrenchment or redundancy; or travel arrangements at the earliest possible opportunity n the financial insolvency or financial collapse of a after cancellation. If so, we will pay for any part of your licensed service provider, provided the booking was cancelled travel and accommodation arrangements that: made via a licensed travel agent. n you have paid for, but will not use; and Important n which are non-refundable. If you want to claim under this section, you must take How we value travel tickets or accommodation steps to minimise your losses. As soon as possible after obtained by way of redeeming frequent flyer points. the cancellation you must: If the travel/accommodation provider or travel agent n recover any refund you are entitled to; and will not refund the value of the component (or will only refund a portion of the value) of the accommodation/ transport ticket which was obtained by redeeming

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frequent flyer points, we will refund the cost of the Benefit 6: Rental vehicle excess equivalent accommodation/transport ticket based on We will reimburse you for any excess or the quoted retail price at the time the accommodation/ amount which you become legally liable to pay in transport ticket was issued less the value of the portion respect of loss or damage to a rental vehicle during the of points refunded back to you. rental period provided: Benefit 4: Resumption of journey following the n the rental vehicle must be rented from a licensed death of a relative rental agency; and We insure you for the reasonable transport expenses n the cardholder was operating the vehicle within the incurred to return to Australia and then resume your local laws of the country/city; and journey, if you have to interrupt your journey and return n the hiring agreement must incorporate the standard to Australia immediately following the death of a comprehensive motor insurance normally provided relative living in Australia. by the rental agency covering loss or damage to the We will only pay if… rental vehicle; and n you resume your journey within 30 days of returning n you must comply with all the requirements of the to Australia; and rental organisation under the hiring agreement and of the rental vehicle insurer. n your journey had not ended before your return and there is at least a fortnight or 25% of the time of But we will not pay for… your journey remaining (whichever is the greater); and B:220 mm S:190 mm We will not pay for your costs arising from: T:210 mm n the death occurred after you booked your travel; and n loss or damage resulting from the operation of the n your claim is not excluded elsewhere in this rental vehicle in violation of the terms of the rental document. However, if the exclusion is due to your agreement; or relative’s pre-existing medical condition, we will pay n wear and tear, gradual deterioration, damage from benefits provided that before you commenced your insects or vermin, inherent vice or damage; or journey a medical professional had not declared your n driving the rental vehicle on non-public roads. relative as being terminally ill. Benefit 7: Travel delay We will pay for… If the departure of any scheduled transport in which The costs (through reimbursement to you) of an you have arranged to travel is delayed for at least six economy air ticket to Australia and an economy air hours due to any unforeseen cause outside your control ticket to return you to the overseas location where you we will reimburse your reasonable additional meal and were to be at that time when you returned overseas (as accommodation costs. stated in your original itinerary). This benefit is only payable when you supply receipts Benefit 5: Special event for the expenses incurred and written confirmation If your journey is interrupted by any unexpected cause from the carrier confirming the period of delay. outside of your control and as a result you are going to Benefit 8: Funeral expenses miss a special event which can not be delayed, we will pay the reasonable additional costs of using alternative We insure you for funeral expenses that are incurred transport to arrive at the special event destination in whilst on your journey. However, we will not pay for time for the special event. your funeral expenses if your death is the result of a

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pre-existing medical condition unless we have given Only we have the right to: prior written approval to cover your pre-existing medical n settle or defend the claim; or condition and you have paid the administration fee. n make or accept an offer of payment; or By funeral expenses we mean: n in any way admit you are liable. n the reasonable costs of returning your remains or ashes to Australia; and/or We will pay for… We will pay for your legal liability if: n the reasonable costs of your overseas funeral or cremation. n the event that gives rise to it: We will pay for funeral expenses if: – happens during the journey; and n you die during the journey; and – is one that you do not intend or expect to give rise to your legal liability. n a death certificate given by a qualified and registered member of the medical profession is We will also pay all reasonable legal fees and expenses if: shown to us as proof of the cause of death. n we incur them on your behalf; or Benefit 9: Accidental death n you incur them after we agree in writing. We will insure you, if whilst on your journey you die as But we will not pay for… a result of an injury sustained in an accident (but not We will not pay for your legal liability that arises from: illness or disease) and the Westpac “transit accident n Bodily harm to, or the illness or death of: B:220 mm S:190 mm insurance policy” included in this document does not T:210 mm provide “Loss of Life” benefits for the accident. – any relative or travel companion; or The death must occur within 12 months of the accident – your employee. and the accident must have been caused by violent, n You owning or occupying any land or building (unless external and visible means and must be supported by the building is a residence and you occupy it as a a death certificate, signed by a qualified and registered tenant or lessee, or in some other temporary way). member of the medical profession. n You owning, controlling or using a motorised vehicle, If the transport you are travelling in is involved in an an aircraft or a watercraft (other than a non- accident caused by violent, external and visible means motorised watercraft used on inland waterways). and your body cannot be found, we will after 12 months However, if you do not own or control the transport treat you as having died as a result of the accident. and are using it just as a passenger, you are not within this exclusion. Benefit 10: Legal liability n Your business, profession or occupation. We cover your legal liability during your journey. n Loss or damage to any property that is owned or By legal liability, we mean your responsibility to pay controlled by you. compensation for negligently causing: n Any fines or penalties, including punitive, exemplary, n bodily harm or death to someone other than you; or liquidated or aggravated damages. These are n loss or damage to property owned or controlled by damages a judge may order a person to pay as someone other than you. punishment. They are different from damages that must be paid as compensation.

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Purchase security insurance policy The insurance cover provided in respect of the purchase of personal goods comes into effect at the end of the “Purchase security insurance” is a benefit available to Australian warranty period that applies to the personal Westpac cardholders. This cover provides four months good(s), provided the Australian warranty is for a period of free insurance against loss, theft, or accidental of six months or more up to a period of four years. damage over a wide range of new personal goods purchased anywhere in the world, provided the Only items with a manufacturer’s unique identification purchase is charged to the cardholder’s eligible credit serial number on them are covered under this insurance. card account. This extended warranty period will be for a duration up This insurance provides automatic protection for to a maximum of two full years and does not apply if personal goods when their purchase is charged to an the Australian warranty period is in excess of four years. eligible credit card account unless the personal goods For example: and/or claims are excluded by the Definitions, Terms Australian warranty period Extended warranty period and Conditions, or Exclusions, or the cardholder fails to comply with the Claims Procedures. Six months Six months The personal goods are insured anywhere in the world Eleven months Eleven months for four months from the date of purchase in the event One to four years Two years of loss, theft or accidental damage. However, there is Over four years No cover no cover until you have taken possession of the personal B:220 mm

This extended warranty only covers the failure of S:190 mm goods. T:210 mm personal goods to operate for the purpose for which The liability of Zurich for claims made pursuant to this they were designed as a result of a breakdown or defect, insurance shall not exceed the lesser of: provided the breakdown or defect is covered by the n the actual amount charged to the cardholder’s terms of the Australian warranty. eligible credit card account to purchase the personal The liability of Zurich for claims made pursuant to this good; or insurance shall not exceed: n A$3,500 per claim in respect of jewellery, watches n the actual purchase price of the and fine arts; or personal good(s) charged to an eligible credit card n A$135,000 in any 12 month period in respect of any account; and one eligible credit card account. n in a 12 month period the sum of A$10,000 per Extended warranty insurance policy eligible credit card account. If a claim is to be paid under this insurance you must obtain our approval “Extended warranty insurance” is a benefit prior to proceeding with any repairs or replacement available to Westpac cardholders. The cover extends of the personal goods which have broken-down or the manufacturer’s expressed Australian warranty are defective. on personal goods, purchased, provided the purchas is charged to the cardholder’s eligible credit card Price guarantee cover account. The insurance does not affect the rights “Price guarantee cover” is a benefit available to of cardholders against a manufacturer in relation Westpac cardholders when new personal goods are to contravention of statutory or implied warranties purchased anywhere in Australia and the entire cost is under Australian legislation. charged to the cardholder’s eligible credit card account.

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This scheme guarantees the cardholder gets the best days from the date the cardholder, spouse and/or child price if, within 21 days after the purchase of a personal and/or parent leaves their Australian home to travel good, they advise us that they have subsequent to their directly to the airport from where they are catching purchase, received a printed catalogue showing the their interstate flight. The cover will cease after this same personal good (same model number and same 14 day period or earlier if the cardholder, spouse and/ model year), by the same manufacturer, for a lower or child and/or parent return to their Australian home price from a store within 25 kilometres of the store within 14 days. from where the personal good was purchased, and the This cover, however, is not designed to provide travel price difference is greater than A$75. insurance benefits as prescribed under the Insurance The cheaper personal good must be: Contract Act 1984. n the same model number; and Benefits n same model year; and 1. Delays n produced by the same manufacturer as the personal Flight delay – if the intended interstate flight is good you had previously purchased. delayed by four hours or more and no alternative The catalogue showing the cheaper article must transport is made available, the cardholder is have been printed after the date you purchased the entitled to charge up to A$50 per person to personal good. their eligible credit card account for meals and You must report (make a claim) the cheaper article to refreshments up to a total of A$100. B:220 mm S:190 mm T:210 mm Zurich within 21 days of the purchase of the personal 12-hour luggage delay – if following an interstate good. This is because Zurich only provides cover for flight, your luggage containing clothes and toiletries cheaper items reported within 21 days of the date of is delayed in getting to you for over 12 hours, the purchase of the original personal good. cardholder is entitled to charge up to A$75 per Provided the price difference is greater than A$75 you person to their eligible credit card account for will be refunded the price difference up to A$300. essential clothing and toiletries, up to a total of A$250. Interstate flight inconvenience insurance 2. Loss or damage to personal items “Interstate flight inconvenience insurance” is available We insure you during your holiday for the theft to Westpac cardholders whilst they are on an interstate and accidental loss or damage to clothing and Australian holiday of up to 14 days provided the your personal items (but not laptop computers or cardholder charges the entire cost of their return interstate business items) that you have with you. flight fare (but not taxes, or airport or travel agent’s charges) to the cardholder’s eligible credit card account. We will pay up to a value of A$500 for each item to a maximum of A$1,250 in total. This cover extends to the cardholder’s spouse and/or children and/or parents who have also had the entire 3. Funeral expenses as a result of accidental death cost of their return interstate flight fares (but not taxes, If whilst on the interstate holiday, you die as a result or airport or travel agent’s charges) charged to the of injuries caused accidentally directly and solely by cardholder’s eligible credit card account. a sudden physical force (but not illness or disease), Except for the cancellation cover, the other covers we will pay for your funeral expenses up to A$2,500 included in this policy are available for a period of 14

44 45 B:208 mm T:198 mm S:178 mm

per person to a maximum of A$5,000. Rental vehicle excess insurance in By funeral expenses we mean: Australia n the reasonable costs of returning your remains or We will reimburse you up to A$5,500 for any excess ashes to your home town/city in Australia; and/or or deductible amount which you become legally liable n the reasonable cost of your funeral or cremation. to pay in respect of loss or damage to a rental vehicle during the rental period provided: 4. Cancellation of domestic travel arrangements n the rental vehicle must be rented from a licensed Under this section we cover you, after the payment of rental agency; and the entire cost of your return interstate flight fares, to a maximum A$1,750, if holiday travel arrangements n the total rental vehicle cost was paid for by being you have paid for (but not business related travel) are charged to the cardholder’s eligible credit card cancelled for any of the following reasons. account; and n n you, your travel companion or a relative the hiring agreement must incorporate the standard unexpectedly: comprehensive motor insurance normally provided by the rental agency covering loss or damage to the – dies; rental vehicle; and – is seriously injured; or n you must comply with all the requirements of the – becomes seriously ill. rental organisation under the hiring agreement and Note: We will need to see medical advice written by of the rental vehicle insurer. B:220 mm S:190 mm a qualified and registered member of the medical T:210 mm But we will not pay for… profession regarding any of the above events and be satisfied that the expenses involved are reasonable We will not pay for your costs arising from: in amount and reasonably necessary. n loss or damage resulting from the operation of the n your normal residence in Australia is totally rental vehicle in violation of the terms of the rental destroyed but not as an act of terrorism; agreement; or n  n you are quarantined; wear and tear, gradual deterioration, damage from insects or vermin, inherent vice or damage; or n you are subpoenaed to attend court in Australia; n driving the rental vehicle on non-public roads. n your arranged travel is cancelled or delayed by the carrier because of unexpected natural disasters; or Transit accident insurance policy n the cardholder or spouse is unexpectedly “Transit accident insurance” is a benefit available to retrenched. This does not include voluntary Westpac cardholders. This cover provides certain retrenchment or redundancy. accidental death and injury cover for cardholders who This cancellation cover will cease 14 days after you sustain an injury while riding as a passenger in (not as a leave your Australian home to travel directly to the pilot, driver or crew member), or boarding or alighting airport from where you are catching your interstate a plane, bus, train or ferry as outlined in this policy. flight or when you return to your Australian home However, the cover provided does not include benefits if you return to your Australian home before the 14 as prescribed under the Insurance Contract Act 1984. days has expired. This cover is available on trips where the entire payment for the trip was charged to the cardholder’s eligible

46 47 B:208 mm T:198 mm S:178 mm

credit card account. In certain circumstances the Schedule of benefits benefits also extend to the cardholder’s spouse and/or When an accident results in any of the following injuries children and/or parents, provided the payment for their within one year after the date of the accident, we will trip was also charged to the cardholder’s eligible credit pay the amount shown below according to the injury. card account. If a person sustains more than one injury resulting from The benefits listed under the Schedule of Benefits one accident, only the Benefit Amount for the greater will be paid if whilst outside Australia, the cardholder injury will be paid. and/or the cardholder’s spouse and/or children and/ or parents suffer a loss as a result of an injury suffered Summary of benefits for Singapore Airlines under the circumstances specified in points 1, 2, 3, 4 Westpac Platinum cardholders or 5 as follows: Injury Benefit amount 1. The injury is sustained on a trip while you are riding Life A$500,000 as a passenger or boarding or alighting the plane, bus, train or ferry. Both hands or both feet A$500,000 2. The injury is sustained while you are riding as a One hand and one foot A$500,000

passenger (not as a pilot, driver or crew member), The entire sight of both eyes A$500,000 in a licensed taxi pursuant to any statute, The entire sight of one eye and A$500,000 regulation, by-law or the equivalent thereof for one hand or foot B:220 mm

the transportation of passengers for hire. Provided S:190 mm One hand or one foot A$250,000 T:210 mm you are travelling directly to or from an airport, bus depot, railway station or dock, immediately The entire sight of one eye A$250,000 preceding or following the scheduled trip. Furthermore, injury with reference to hand or foot means 3. When, by reason of an accident specified in points complete severance through or above the wrist for the 1 or 2 above, you are unavoidably exposed to the hand or through or above the ankle joint for the foot elements and, as a result of such exposure, suffer and, as used with reference to eye, means permanent, an injury for which indemnity is otherwise payable irrecoverable loss of the entire sight of the eye. hereunder, the loss shall be covered under the terms Limits on what we pay of this policy. The most we will pay in claims, under this “Transit 4. If your body has not been found within one year accident insurance policy”, that result from the one of the date of your disappearance arising out of an incident (e.g. a bus crash) is A$1,300,000 regardless of accident which would give rise to a loss as specified the number of persons in the incident. in points 1, 2 or 3 above, it will be presumed that This means that if as a result of one incident a number you died as a result of bodily injury caused by the of cardholders and spouses were injured, we would accident at the time of your disappearance. pay each on a proportional basis (using the schedule 5. A benefit payable under this policy will be paid to above) up to a total of A$1,300,000. Therefore, if one the injured person or, in the event of your death the cardholder, one spouse and two children lost their lives benefit will be paid to your legal representative. in the same bus crash, we would pay A$325,000 per person to each of their legal representatives.

48 49 B:208 mm T:198 mm S:178 mm B:220 mm S:190 mm T:210 mm

50 51 B:109 mm T:99 mm S:79 mm B:220 mm S:190 mm T:210 mm

© 2009 Westpac Banking Corporation ABN 33 007 457 141. LAS701 (04/09) WK0003