Singapore Airlines Westpac Platinum Credit Cards Insurance Policy

Transcription

1 Sigapore Airlies Westpac Platium Credit Cards Isurace Policy Effective 7 May 2009

2 The Isurer is Zurich Australia Isurace Limited ABN , AFSL Number Blue Street, North Sydey, NSW, 2060 Phoe: Importat iformatio about the isuraces 4 Termiatio of these covers 5 Privacy 5 Geeral Isurace Code of Practice 6 Complaits ad dispute resolutio process 6 Defiitios ad iterpretatio 7 Excess what you cotribute to a claim 14 Repairig or replacig damaged property/ 15 persoal goods Safety of your property/persoal goods 15 Reportig lost, stole or wilfully damaged 16 property/persoal goods Pre-existig medical coditios 16 Equiries 17 Emergecy ad medical services whilst overseas 18 (overseas travel isurace) Documets to take with you whe you are 18 travellig overseas (Overseas travel isurace) Isurace exclusios what is ot covered 19 Claims procedures 23 Subrogatio ad you assistig Zurich 25 with your claim Fraudulet claims 26 Overseas travel isurace policy 27 Purchase security isurace policy 42 Exteded warraty isurace policy 42 Price guaratee cover 43 Iterstate flight icoveiece isurace 44 Beefits 45 Retal vehicle excess isurace i Australia 47 Trasit accidet isurace policy 47 Schedule of beefits 49 Summary of beefits for Sigapore Airlies 49 Westpac Platium cardholders Limits o what we pay

3 Importat iformatio about the isuraces This documet cotais your Sigapore Airlies Westpac Platium Card complimetary isurace beefits, which are effective for purchases where the fial paymet is made o or after 1 October 2008 ad are oly available to cardholders of eligible credit card accouts. These beefits are provided automatically to cardholders uder the Master Agreemet 78 WPACPLT CCI, etered ito betwee Westpac Bakig Corporatio ABN , AFS Licesee No of 275 Ket Street, Sydey NSW 2000 ( Westpac ) ad Zurich Australia Isurace Limited ( Zurich ), ABN , AFS Licesee No of 5 Blue Street, North Sydey NSW I this documet, Zurich may also be expressed as Zurich, we, us or our. Although the beefits uder the covers are automatically provided to cardholders, cardholders are ot obliged to take these beefits. However, if a perso wishes to claim these beefits, they will be boud by the Defiitios, Terms ad Coditios, Exclusios ad Claims Procedures of the policies. Therefore please read this documet carefully ad keep it i a safe place. Please also keep detailed particulars ad proof of ay loss icludig the sales receipt ad eligible credit card accout statemet showig ay purchases. Zurich is the product issuer of the policies detailed i this documet ad these beefits are provided at o additioal cost to the cardholder. Westpac is ot the product issuer (isurer) of these policies ad either it or ay of its related corporatios guaratee ay of the beefits uder these covers ad Westpac does ot receive ay commissio or remueratio i relatio to these beefits. Neither Westpac or ay of its related corporatios are Authorised Represetatives of Zurich or ay of its related compaies. Termiatio of these covers Westpac may termiate the beefits uder ay oe or all of the covers i this documet for all cardholders or a idividual cardholder, ad if so will otify primary cardholders of the termiatio. Purchases fialised before expiry of this otificatio will still be eligible for cover. However, purchases fialised after expiry of this otificatio will ot be eligible for cover. Privacy Zurich respects your privacy. Before you make a claim uder ay of the policies i this documet you should kow the followig thigs: We do ot require persoal iformatio util a claim is made. We may, however, eed persoal iformatio to assess claims. We will, i relevat cases, disclose the persoal iformatio (other tha sesitive iformatio such as health iformatio) to Westpac, their service providers ad busiess parters i order to allow the Bak to moitor the claims service we provide, prevet fraud ad to esure persos are eligible for the cover. We will also, where relevat, disclose persoal iformatio icludig sesitive iformatio, such as health iformatio to our service providers (icludig medical practitioers, other health professioals, reisurers, legal represetatives ad loss adjusters). By submittig persoal details, the perso cosets to those orgaisatios collectig ad us disclosig persoal ad sesitive iformatio about you for this purpose. A list of the type of service providers ad busiess parters we commoly use is available o request, or o our website. Go to zurich.com.au ad click o the lik Privacy o our home page. If a claimat does ot provide the requested iformatio, the assessmet of a claim may be delayed or we may ot accept a claim. We may also disclose persoal iformatio about persos where we are required or permitted to do so by law. 4 5

4 I most cases, o request we will give persos access to the persoal iformatio we hold about them. I some circumstaces, we may charge a fee for givig this access, which will vary but will be based upo our costs. Geeral Isurace Code of Practice As a member of the Isurace Coucil of Australia Limited, Zurich subscribes to the Geeral Isurace Code of Practice. The purpose of the Code is to raise the stadards of practice ad service i the geeral isurace idustry. The Code aims to: costatly improve claims by hadlig them i a efficiet, hoest ad fair maer; build ad maitai commuity faith ad trust i the fiacial itegrity of the isurace idustry; ad provide helpful commuity iformatio ad educatio about geeral isurace. Complaits ad dispute resolutio process If you have a complait about a isurace product issued by us or a service you have received from us, icludig the settlemet of a claim, please call us o We will respod to your complait withi 15 workig days provided we have all ecessary iformatio ad have completed ay ivestigatio required. If more iformatio or ivestigatio is required we will agree o reasoable alterative timeframes with you. If you are uhappy with our respose or we caot agree o reasoable alterative timeframes, your complait will be registered as a dispute ad it will be reviewed by our iteral dispute resolutio process which is free of charge. We will respod to your dispute withi 15 workig days provided we have all ecessary iformatio ad have completed ay ivestigatio required. If more iformatio or ivestigatio is required we will agree o reasoable alterative timeframes with you. We will keep you iformed of the progress of our review at least every 10 workig days ad give you our respose i writig. If you are uhappy with our respose or we caot agree with you o reasoable alterative timeframes, you ca refer the matter to the exteral Disputes Resolutio Scheme of which we are a member. This scheme is admiistered by the Fiacial Ombudsma Service (FOS). FOS will review our decisio i accordace with their terms of referece. You are ot boud by their decisio. However, we are boud to act immediately o the Ombudsma s decisio. This is a free service provided by a idepedet body. Brochures outliig the operatios of FOS are available from us or the Isurace Coucil of Australia i your State or Territory. You ca phoe the FOS from aywhere i Australia o or write to them at: Fiacial Ombudsma Service GPO Box 3, Melboure, Victoria 3001 Fax: (03) ifo@fos.org.au Iteret: Defiitios ad iterpretatio The followig key words (ad/or their plurals) whe highlighted i italics have special meaig i the covers icluded i this documet. accidet meas ay sudde ad uexpected physical force, which occurs o a trip ad causes a ijury that is described i the Schedule of Beefits cotaied i the Trasit accidet isurace policy. act of terrorism meas a act, icludig but ot limited to the use of force or violece ad/or the threat thereof, of ay perso or group(s) of persos, whether actig aloe or o behalf of or i coectio with ay orgaisatio(s) or govermet(s), which from its ature or cotext is doe for, or i coectio with, political, religious, ideological or similar purposes or reasos, icludig the itetio to ifluece ay govermet ad/or to put the public, or ay sectio of the public, i fear. 6 7

5 Australia meas the area eclosed by the territorial waters of the Commowealth of Australia where Medicare beefits are payable ad Australia has a correspodig meaig. Australia warraty meas the maufacturer s expressed writte warraty, that is applicable ad able to be fulfilled withi Australia ad which has bee properly registered with the maufacturer, provided the warraty is for a period i excess of six moths but less tha four years. bed care patiet meas that as a result of a ijury or illess durig your jourey, you are cofied to a overseas hospital bed for a cotiuous period of ot less tha 24 hours. Your cofiemet must be certified as ecessary by a legally qualified ad registered medical practitioer ad you must be uder the cotiuous care of a registered urse (other tha yourself or a member of your family). You are ot classified as a bed care patiet if you are a patiet i ay istitutio used primarily as a ursig or covalescet home, a place of rest, a geriatric ward, a metal istitutio, rehabilitatio or exteral care facility or a place for the care or treatmet of alcoholism or drug addictio. cardholder meas a perso who permaetly resides i Australia ad to whom Westpac has issued a credit card for a eligible credit card accout. This icludes additioal cardholders. If a family is travellig together, oly oe perso ca claim the beefits payable to the cardholder. The others ca oly claim as a spouse or child or paret. I relatio to the Purchase security isurace policy this defiitio is also exteded to iclude ay Australia residet who, by way of a gift from the cardholder, receives ay persoal goods, purchased by the cardholder. child/childre meas all childre of a cardholder, of ay age. eligible credit card meas a curret ad valid Sigapore Airlies Westpac Platium credit card issued by Westpac for a eligible credit card accout. eligible credit card accout meas a curret ad valid Sigapore Airlies Westpac Platium credit card credit facility provided by Westpac to which purchases made by cardholders are charged. family meas a cardholder ad his/her spouse ad/or child/childre ad/or parets, provided they are eligible for the overseas travel isurace. frequet flyer poits meas KrisFlyer Miles. ijury/ijured meas loss of life or bodily hurt, but ot a illess or sickess: caused by a accidet whilst the policy is i force; ad resultig idepedetly of ay other cause. Furthermore ijury as used i the Trasit accidet isurace policy with referece to had or foot meas severace through or above the wrist or akle joit ad, as used with referece to a eye meas irrecoverable loss of the etire sight thereof. iterstate flight meas travel o a registered passeger airlie (but ot charter trips) from Tasmaia to ay mailad Australia State or Territory, or from ay mailad Australia State or Territory to aother mailad Australia State or Territory or to Tasmaia. jourey The jourey starts: o the departure date (from Australia) show o the retur overseas travel ticket; or oce you leave your home, if you travel directly from your home i Australia to the Australia air or sea termial that is the departure poit for your trip. The jourey eds whe the first of the followig occurs: at midight o the date whe your scheduled trasport (as show o your retur overseas travel ticket) is due to arrive i Australia; or whe you retur to your home i Australia, provided you travel directly there from the air or sea termial where you laded i Australia; or six moths after the date of departure show o your retur overseas travel tickets; or whe you cacel your retur overseas travel ticket. 8 9

6 KrisFlyer miles meas the miles awarded to members of the KrisFlyer Programme. KrisFlyer Programme meas the programme operated by Sigapore Airlies awardig free travel, travel upgrades ad other travel-related beefits to members of the programme. atural disaster meas ay evet or force of ature that has catastrophic cosequeces such as avalache, earthquake, flood, tsuami ad volcaic eruptio, but ot epidemics or pademics. overseas meas outside Australia. Also for the purposes of the overseas travel isurace policy: travel from Tasmaia or from mailad Australia to Norfolk Islad or Christmas Islad will be cosidered as overseas travel; ad travel from Norfolk Islad or from Christmas Islad to Tasmaia or mailad Australia will be cosidered as overseas travel; however, medical ad hospital expeses will ot be covered if the perso claimig is eligible for Medicare beefits; ad travel from Tasmaia or from mailad Australia to Lord Howe Islad or Cocos Islad will be cosidered as overseas travel; however, medical ad hospital expeses are ot covered; ad travel from Lord Howe Islad or from Cocos Islad to Tasmaia or mailad Australia will be cosidered as overseas travel; however, medical ad hospital expeses are ot covered. paret meas the mother or father of a cardholder. period of cover for uexpected cacellatio of travel arragemets ad other uexpected expeses i the overseas travel isurace policy, this meas the period of cover commecig after the deposit for your plaed retur overseas travel ticket has bee arraged by use of the cardholder s eligible credit card ad you ited to obtai the remaider of your retur overseas travel ticket by use of the cardholder s eligible credit card; ad for all other sectios i the overseas travel isurace policy, the period of cover meas the period of the jourey. persoal good(s) icludes all ew persoal property acquired for persoal domestic or household use, but does ot iclude: items acquired for the purpose of resupply/resale; or items acquired for trasformatio i a busiess; or items purchased i a busiess ame; or busiess owed or busiess related items; or aimals or plat life; or computer software or o-tagible items; or cash, bullio, egotiable istrumets, tradig cards, lottery tickets or other gamblig related items, tickets of ay descriptio, traveller s cheques, or collectios such as stamps, cois ad cards; or cosumable or perishable items (icludig but ot limited to food, drugs, fuel or oil); or boats, automobiles, motorboats, airplaes or ay other motorised vehicles ad their itegral parts ad istalled accessories; or secod-had items, icludig atiques; or items of cotrabad; or real estate ad movable fixtures or fittigs (icludig but ot limited to dish washers ad fixed air coditioers) which are, or are iteded to form part of ay home or real estate; or items acquired for a purchase price exceedig A$10,000. pre-existig medical coditio is relevat to the cardholder, ay relative, travel compaio or ay other perso that may give cause for you to claim ad meas: ay existig medical coditio, icludig but ot limited to metal disorder, axiety, alcoholism, drug addictio or pregacy ad/or ay chroic or ogoig physical, medical or detal coditio, for which ivestigatio (whether or ot a diagosis has bee made), treatmet or advice has bee 10 11

7 received, or medicatio prescribed or take at ay time before you obtaied your retur overseas travel ticket; ad ay coditio, icludig but ot limited to metal disorder, axiety, alcoholism, drug addictio or pregacy ad/or ay physical, medical or detal coditio, for which ivestigatio (whether or ot a diagosis has bee made), treatmet or advice is received, or medicatio prescribed or take, after you obtaied your retur overseas travel ticket, but prior to the commecemet of your jourey; ad ay complicatio arisig from ay such coditio outlied above, except that uexpected/uforesee evets relatig to pregacy are ot regarded as a pre-existig medical coditio. primary cardholder meas the perso(s) i whose ame(s) the eligible credit card accout is opeed. reasoable meas: for medical ad hospital expeses, the care obtaied should be at the stadard level give i the coutry you are i ad ot exceed the level you would ormally receive i Australia; ad for all other expeses, such as uexpected travel ad accommodatio, the stadard must ot exceed the average stadard of travel ad accommodatio you booked for the rest of your jourey. relative meas the cardholder s: spouse; or paret, paret-i-law, step-paret, guardia; or gradparet; or child, gradchild, stepchild; or brother, brother-i-law, sister, sister-i-law; or daughter, daughter-i-law, so, so-i-law; or fiacé, fiacée; or ucle, aut; or half-brother, half-sister; or iece, ephew. retal vehicle meas a reted passeger vehicle reted from a licesed motor vehicle retal compay. retur overseas travel ticket meas a ticket or tickets allowig travel from ad returig to Australia. SIA meas Sigapore Airlies Limited (Compay Registratio Number R, a compay icorporated i Sigapore). special evet meas a weddig, fueral, pre-paid coferece, pre-paid sportig evet or pre-paid cocert, or other evet which does ot ordiarily occur o a regular basis which before you left Australia you had plaed to atted. We reserve the right to determie if ay other evet other tha those listed above qualifies as a special evet. spouse meas a defacto parter of the cardholder who is permaetly livig with the cardholder at the time the jourey starts or a perso married to the cardholder. We may ask for proof of ay relatioship. travel compaio meas a perso who, before the jourey bega, arraged to accompay you from Australia ad the o your jourey for at least 50% of the time of your jourey. trip meas: passage by the cardholder as a payig passeger (ot as a pilot, driver, or crew member etc.) i a licesed plae, bus, trai or ferry authorised pursuat to ay statute, regulatio, by-law or the equivalet thereof for the trasportatio of passegers for hire. Provided the cost of the passage was charged to the cardholder s eligible credit card accout ad the cardholder is ot o their way to or from their place of work (whether paid, upaid or volutary work); ad passage by the spouse ad/or child ad/or paret as payig passegers (ot as a pilot, driver, or crew member etc.) i a licesed plae, bus, trai or ferry authorised pursuat to ay statute, regulatio, by-law or the equivalet thereof for the trasportatio of passegers for hire. Provided the cost of the passage was charged to the cardholder s 12 13

8 eligible credit card accout ad they are ot o their way to or from their place of work (whether paid, upaid or volutary work). uatteded meas (but is ot limited to) your possessios are ot with either you or your travel compaio or are i a positio where they ca be take without you or your travel compaio kowig or beig able to prevet them from beig take. use of the cardholder s eligible credit card accout meas that the total value (i.e. icludig but ot limited to moey ad/or frequet flyer poits ad/ or staff discouts) of the retur overseas travel ticket (but ot taxes, airport or travel aget charges) was obtaied for your jourey by oe or a combiatio of the followig methods: was paid for beig charged to a cardholder s eligible credit card accout; ad/or the cardholder is a curret Sigapore Airlies Westpac Platium cardholder ad a member of the KrisFlyer Programme ad has redeemed their frequet flyer poits eared o the cardholder s eligible credit card accout to obtai your retur overseas travel ticket. you, your, yours, yourself meas the cardholder or the cardholder s spouse or cardholder s childre or cardholder s parets provided they are eligible for the isurace. Excess what you cotribute to a claim Excesses may apply to certai sectios of cover. A excess is ot a additioal fee charged by us at the time of makig a claim. Rather, it is the uisured first portio of a loss for which you are otherwise covered (i.e. the amout that you must cotribute towards each claim). Details of the excess amouts ad circumstaces i which they will be applied are set out below: Overseas travel isurace You must pay the first A$200 for each claim made uder Beefits 1 to 7 of Part B. However, uder Beefit 2: Loss or damage to persoal items there is o excess payable for the replacemet of your travel documets, credit cards ad travellers cheques ad the emergecy replacemet of your clothes ad toiletries. Also if you make more tha oe claim as the result of a sigle evet, the excess oly applies oce. Iterstate flight icoveiece isurace You must pay the first A$200 for each claim made uder Beefits 2 ad 4. Repairig or replacig damaged property/ persoal goods If a item is damaged, lost or stole we may choose to: repair the item; or replace the item, less depreciatio. This meas we will replace the item for a amout equal to its origial cost, less a depreciatio figure which takes ito accout its age ad coditio; or pay you the amout it would cost us to replace the item less depreciatio. However, property/persoal goods left uatteded i a motor vehicle are oly isured for up to A$2,500 i total. If you bought the item duty free or overseas the amout you paid for the item will be the maximum amout paid by us. Where the item is part of a pair or set, you will receive o more tha the value of the particular part or parts lost, stole or damaged, regardless of ay special value that the item may have by way of beig part of such pair or set. Safety of your property/persoal goods You must take all adequate ad reasoable precautios (cosiderig the value of the items) to protect your property/persoal goods ad you are ot covered if you do ot take reasoable precautios (cosiderig the value of the items) to protect your property/persoal goods. Property/persoal goods is/are ot covered uder ay of the isuraces if left: uatteded i a public place; or uatteded i a ulocked motor vehicle; or 14 15

9 uatteded i a motor vehicle i view of someoe lookig ito the motor vehicle; or uatteded i a motor vehicle overight; or behid, forgotte or misplaced; or with a perso who steals or deliberately damages them. A public place icludes, but is ot limited to shops, airports, bus depots, streets, hotel foyers (or hallways ad grouds), restaurats, beaches, public toilets, car parks, office areas, behid couters, housig ad hostel commo areas, ulocked hostel ad hotel rooms ad ay place which is accessible to the public. Reportig lost, stole or wilfully damaged property/persoal goods I the evet that your property/persoal goods are stole, wilfully damaged or accidetally lost, you must make a report to the police or to the earest govermet agecy or authority. You must do this withi 24 hours of learig of the theft, loss or damage ad the report must list ad describe the missig or damaged property/persoal goods. If the loss or willful damage occurs overseas, a copy of this report must be obtaied ad the authority must sig the copy ad write o it that it is a true ad accurate copy of the origial. Pre-existig medical coditios The isuraces do ot cover you for ay evet that is caused by or arises as a result of a pre-existig medical coditio of yours or ay pre-existig medical coditio of a relative, travel compaio or ay other perso that may give cause for you to claim. If, however, you are goig overseas you may, prior to leavig Australia, apply for your pre-existig medical coditio to be covered uder the overseas travel isurace. The pre-existig medical coditios of your relatives, travel compaio or ay other persos that may give cause for you to claim caot be waived. If you wish to apply for cover for your pre-existig medical coditio, please phoe Zurich Assist o Our team of medical professioals will assess your coditio. If Zurich Assist determies to cover your pre-existig medical coditio, you will eed to pay a admiistratio fee ad Zurich Assist will sed you a letter cofirmig that your pre-existig medical coditio is covered for the remaider of the period of cover for the jourey i questio. I regard to pregacy, we do ot isure you for ay expeses that arise due to the ormal developmet ad cosequeces of pregacy, icludig but ot limited to regular or routie medical cosultatios ad tests (such as ultrasouds) ad the childbirth itself. We do cover the mother s expeses if they arise as a uforesee cosequece of the pregacy or childbirth ad for which otherwise the mother would be covered. This, however, does ot mea that cover is provided for the health of a child bor o the jourey. Equiries Additioal copies of this documet ca be obtaied by phoig Westpac o or visit westpac.com.au (select Credit Cards from the avigatio meu). If you require persoal advice o ay of these isuraces, please see your isurace adviser. If you wish to make a geeral equiry regardig the cover outlied i this documet you ca phoe us o ; however, please make sure you have this documet o had whe you phoe us. Please also ote: The overseas travel isurace cover is for a maximum period of six cosecutive moths ad caot be exteded. You do ot have to advise us that you will be travellig as you are automatically covered, provided you are eligible for this cover ad adhere to the Defiitios, Terms ad Coditios, Exclusios ad Claims Procedures of that policy

10 Emergecy ad medical services whilst overseas (overseas travel isurace) I the evet of a emergecy overseas, simply call Zurich Assist (reverse charge/collect) ay time from ay place i the world. You ca usually do this by phoig the operator where you are ad bookig a reverse charges call to Australia Zurich s team of medical professioals is oly a phoe call away ad is available 24 hours a day, seve days a week for advice ad assistace i the evet of a medical emergecy ad ay associated problems for travellers outside Australia. Zurich Assist has access to a worldwide team of skilled doctors ad medical professioals ad provides the followig services free of charge: access to Registered Medical Practitioers for emergecy assistace ad advice; emergecy trasportatio to the earest suitable hospital; emergecy evacuatio, if ecessary; advise your family i Australia of your medical coditio ad keep them iformed of the situatio (oly at your request); paymet guaratees to hospitals ad isurace verificatio; secod opiios o medical matters; ad urget message service ad emergecy travel plaig. Documets to take with you whe you are travellig overseas (overseas travel isurace) You should take this documet (it cotais importat phoe umbers ad details of the cover provided), ad copies of your retur overseas travel ticket ad also your eligible credit card accout statemet ad/ or the ecessary documetatio to prove that your retur overseas travel ticket was obtaied by use of the cardholder s eligible credit card accout. I the evet that you eed to make a claim uder the overseas travel isurace policy (especially if claimig whilst overseas), it will be ecessary for Westpac or its agets to cofirm to us or our agets that your retur overseas travel ticket was obtaied by use of the cardholder s eligible credit card accout. Without this iformatio, a claim may be delayed ad it may ot be possible for us or our agets to give approval for ay overseas medical attetio. Isurace exclusios what is ot covered I ay isurace policy there are situatios that are ot covered. Whilst we try to exted our cover to most situatios, we are ot able to isure some situatios because of the costs or types of evets ivolved. I additio to ay specific exclusios cotaied i ay idividual cover i this documet, the followig exclusios apply to all the covers i this policy: We reserve the right to ot isure you if you act agaist our advice or that of our Medical Team, i.e. we decide to arrage for you to be moved from your locatio to hospital at aother locatio ad decide agaist it. We do ot isure you for ay evet that is caused by or arises as a result of ay pre-existig medical coditio of yours, a relative, travel compaio or ay other perso that may give cause for you to claim uless it relates to overseas travel isurace ad we have give prior writte approval to cover your pre-existig medical coditio ad you have paid the admiistratio fee. We do ot cover your property/persoal goods left uatteded i a motor vehicle for ay more tha $3,500 i total. We do ot isure you i regard to ay travel that: you book or take agaist medical advice; or yo u take for the purpose of gettig medical treatmet or advice; or yo u take after a qualified ad registered member of the medical professio iforms you that you are termially ill

11 We do ot isure you for ay evet that is caused by or arises from: yo u failig to follow advice or take heed of a warig from: ay govermet; or ay official body; or ay publicatio or broadcast by ay member of the mass media; or yo u beig uder the ifluece of liquor or drugs; or yo u r ivolvemet i illegal activities, fraud or abuse; or yo u r uderwater activities that ivolve usig artificial breathig equipmet (uless you have a ope water divig licese or are divig with a qualified ad registered divig istructor); or yo u r moutaieerig or rock climbig (if you eed to use climbig equipmet, ropes or guides), white water raftig or boatig, abseilig, bugy jumpig, pot holig, ruig with the bulls, cavig or toboggaig; or you racig (other tha foot); or yo u r participatio i ay kid of professioal sport; or you r air travel or ay aerial activity (for example, hag-glidig, base jumpig ad skydivig). But if you are a paid passeger i a fully licesed commercial passeger aircraft, we do isure you; or ay activities ivolvig hutig equipmet or projectiles (e.g. shootig ad archery); or your participatio i motorcyclig, uless: it ivolves a hired motorcycle with a egie capacity of 200cc or less; ad you are the driver; ad you hold a curret Australia motorcycle licece; ad you are also licesed (if a licece is required) to drive the motorcycle i the coutry you are i; but we ever cover ay evet that is caused by or arises from motorcycle racig; or ay act of terrorism; or ay loss arisig out of or i coectio to a epidemic or pademic evet; or ay war or warlike activities, whether war has bee formally declared or ot, ay hostilities, rebellio or revolutio, or civil war, military coup, or overthrow/attempted overthrow of a govermet/military power; or ay perso or orgaisatio, who lawfully destroys or removes your owership or cotrol of ay property/persoal goods; or ay govermet prohibitio or restrictios or govermet customs, or govermet authorities delayig or detaiig you or seizig or keepig your baggage; or o-receipt of the property/persoal goods that you have purchased ad are beig trasported to you; or yo u r participatio as a crew member or pilot of ay coveyace; or yo u or your travel compaio s employmet or work (whether paid or upaid or volutary) either i Australia or overseas. This icludes ot beig able to take leave from that employmet, uless your claim is covered uder uexpected cacellatio of travel arragemets ad other uexpected expeses i the overseas travel isurace policy ; or yo u or your travel compaio s fiacial circumstaces or ay busiess or other cotractual relatioship; or chages i currecy rates, or ay losses due to the devaluatio or chage i currecy value; or theft, loss or damage to busiess owed items, busiess related items or items purchased i a busiess ame; or yo u or your travel compaio ot watig to cotiue with your travel arragemets/jourey, or cacellig it or cuttig it short, uless your 20 21

12 claim is covered uder the overseas travel isurace policy i the sectio uexpected cacellatio of travel arragemets ad other uexpected expeses ; or deterioratio, ormal wear ad tear; or ay defective item or ay defect i a item, or damage arisig from iheret defects i a item or a electrical or mechaical fault or breakdow, uless covered uder the Exteded warraty isurace policy ; or ay process of servicig, repairig or restorig a item uless we have give prior approval; or lauderig (icludig washig, iroig ad dry cleaig) whether by professioal persos or otherwise; or vermi or isects, mildew, atmospheric or climatic coditios, or flood; or yo u r failure to comply with the recommeded security guidelies for the use of bak or currecy otes, cheques, credit card, postal or moey orders or petrol coupos; or yo u ot takig all adequate precautios (cosiderig the value of the items) to protect your property/persoal goods or if the property/ persoal goods are left: uatteded i a public place; or uatteded i a ulocked motor vehicle; or uatteded i a motor vehicle i view of someoe lookig ito the motor vehicle; or uatteded i a motor vehicle overight; or behid, forgotte or misplaced; or with a perso who steals or deliberately damages them. A public place icludes, but is ot limited to shops, airports, bus depots, streets, hotel foyers (or hallways ad grouds), restaurats, beaches, public toilets, car parks, office areas, behid couters, housig ad hostel commo areas, ulocked hostel ad hotel rooms ad ay place which is accessible to the public; or disappearace of the property/persoal goods i circumstaces which caot be explaied to our satisfactio; or radioactivity, radioactivity cotamiatio or the use, existece or escape of ay uclear fuel, uclear material or uclear waste; or cosequetial loss or damage, puitive damages or ay fies or pealties, icludig puitive, exemplary, liquidated or aggravated damages; or yo u or your travel compaio s failure to procure a passport or visa; or the iability of the tour operator, wholesaler, trasport provider, travel aget or ay other service provider to complete arragemets or complete ay part of a tour. Claims procedures Please do ot cotact Westpac i the evet of a claim, as Westpac does ot approve claims ad is ot ivolved i processig the claims. If you wat to make a claim uder ay of these policies, you must: 1. Whilst you are overseas: Phoe Zurich Assist (refer to page 18, Emergecy ad medical services whilst overseas ). I order for Zurich Assist to cofirm your eligibility for overseas travel isurace, you will eed to have copies of the documets listed o page 18, Documets to take with you. 2. If you are i Australia (or whe you retur to Australia), you must follow the steps listed below. Cotact us o withi 30 days of returig home from overseas or iterstate (eve if you have previously reported the matter to Zurich Assist), or if you are already home, cotact us withi 30 days of learig of a occurrece (loss, damage or breakdow) that may result i a claim. However, if you are makig a guarateed pricig claim, you must cotact us withi 21 days of the purchase of the persoal good

13 We may require you to complete a writte loss report. If we do, we will provide you with the forms which should be retured to us withi 30 days after you receive them. Alteratively, i order to provide you with the most immediate respose you ca dowload the appropriate claim form from the Zurich website, Note: Failig to cotact us or retur the completed loss report (if required) withi the times stated might result i deial of the claim. You must provide us with ay evidece/documetatio we require to verify your claim. Depedig o the policy you are claimig uder, this might iclude (but is ot limited to) ay of the followig: proof that you are eligible for isurace cover e.g. your eligible credit card accout statemet ad credit card receipt to cofirm the purchase of your retur overseas travel ticket(s), etc.; if items were stole, willfully damaged, or accidetally lost you must give us the police report umber, or if the icidet occurred whilst you were overseas, a copy of the report you obtaied from the police or earest govermet agecy or authority. The report should be certified by the relevat authority as beig a true ad correct copy of the origial; proof of your owership of ay lost, stole or damaged items e.g. purchase receipts; evidece of your iteded flight e.g. ticket, travel aget s itierary showig your flight or a letter from the airlie, etc.; evidece of the delay, icludig i the case of luggage delay, a lost property/delayed property report issued by the airlie; receipts for ay items you buy to replace those that were lost or stole or purchased as emergecy replacemet of your clothes ad toiletries; if ay items are lost or stole durig the time that a carrier was resposible for lookig after them, you must get a letter from the carrier explaiig what happeed ad statig the amout of refud you received from them; if your travel or accommodatio arragemets are cacelled ad you ited claimig, you must provide a letter from the carrier, hotel, etc., outliig the refud you were etitled to; ay damaged items for which you are claimig so that they ca be ispected by us or our authorised represetative; a quote (at your expese) for the replacemet of lost or stole items, or quote (otig the serial umber for Exteded warraty isurace claims) for the repair of damaged or broke-dow items. We will, however, pay the reasoable cost of the quote if we agree to pay the claim; copy of the Australia warraty if claimig uder the Exteded warraty isurace policy ; i regard to the guarateed pricig scheme, we require evidece that the cheaper item is the same (i.e. model umber, model year, ad maufacturer) as the persoal good you purchased, ad we require a copy of the prited catalogue advertisig the cheaper item, ad evidece that the advertisemet was prited after you purchased the persoal good. Subrogatio ad you assistig Zurich with your claim Whe makig a claim you must advise us of ay details of ay other isurace uder which you are etitled to claim. You must also, as far as allowed by law, give us all the assistace we may require to istitute proceedigs agaist other parties for the purpose of eforcig rights or remedies to which we would become etitled or subrogated upo, by makig good ay loss or damage uder ay of the covers icluded i this documet.

14 Fraudulet claims Whe makig a claim you have a resposibility to assist Zurich ad to act i a hoest ad truthful maer. If ay claim is fraudulet i ay way or if you or ay oe actig o your behalf uses fraudulet meas to make a claim o ay of the covers i this documet, the o paymet will be made i regard to the claim. Also, Westpac will be iformed of the situatio ad you may o loger be eligible for ay of the isuraces ad Price guaratee cover cotaied i this documet. I the evet we believe you or ay oe actig o your behalf has made or attempted to make a fraudulet claim, we may file a crimial complait. You will also be liable for ay loss we icur as a result of your fraudulet claim. Overseas travel isurace policy Overseas travel isurace is a beefit available to curret Westpac cardholders, who by use of the cardholder s eligible credit card accout, paid for i full the cost of their retur overseas travel tickets. It is also available to the cardholder s spouse ad the cardholder s childre ad cardholder s parets, provided their retur overseas travel tickets were paid for i full by use of the cardholder s eligible credit card accout. The cover is available for a period of six moths ad ca ot be exteded. However, if your retur to Australia is delayed because of evets covered uder this policy, or your scheduled trasport back to Australia is delayed for reasos beyod your cotrol, the period of isurace will automatically be exteded for a period of up to four weeks or util you retur to your home i Australia, whichever occurs first

15 Overseas travel isurace idex Part A 29 The limits that apply ad a summary of the cover Part B 31 The cover we provide Medical ad hospital expeses icurred overseas 31 Loss or damage to persoal property 33 Uexpected cacellatio of travel arragemets 34 ad other uexpected expeses. Resumptio of jourey followig the death 38 of a relative Special evet 38 Retal vehicle excess 39 Travel delay 39 Fueral expeses 39 Accidetal death 40 Legal liability 40 Part A The limits that apply ad a summary of the cover The table below shows the limits that apply ad a outlie of the cover available for cardholders ad their spouses ad childre ad parets. Please read the etire policy to make sure you uderstad the details of the cover provided ad to esure it meets your requiremets. Beefit 1. Medical ad hospital expeses icurred overseas. 2. Loss or damage to persoal property. 3. Uexpected cacellatio of travel arragemets ad other uexpected expeses. Limits Ulimited, except bed care patiet allowace (i.e. miscellaeous expeses such as phoe calls ad TV retal) of A$100 per day, ad is limited to A$12,000 i total. Note: No cover for pre-existig medical coditios, uless prior approval give ad the admiistrative fee is paid. Up to A$20,000 per perso ad up to a maximum A$30,000 for a family subject to the followig limits. However, property/ persoal goods left uatteded i a motor vehicle are oly isured up to A$3,500 i total. Clothig ad persoal valuables A$3,500/item. Portable electrical equipmet ad bioculars A$3,500/item. Cameras ad associated equipmet/accessories A$3,500/item. Laptop computers ad associated equipmet/ accessories A$5,500 i total. Travel documets, traveller s cheques, credit cards, cash etc. A$550/perso to a maximum of A$1,250 for a family. Emergecy replacemet of your clothes ad toiletries with a maximum of A$1,250 for a family A$550/perso. Note: No cover for items used for ay busiess purpose or purchased i a busiess ame. Ulimited for covered evets, except for travel aget s cacellatio fee, which is limited to a amout equal to the lesser of A$500 or 15% of the value of the travel arraged by the aget. Also, cover for the fiacial isolvecy or fiacial collapse of a licesed service provider is limited to A$3,750 per perso up to a maximum of A$7,500 for a family

16 4. Resumptio of jourey followig the death of a relative. 5. Special evet. 6. Retal vehicle excess. Up to A$5,750 per perso up to a maximum A$12,500 for a family. Up to A$3,750 for reasoable cost of arragig alterative trasport i order to atted a special evet. Up to A$5, Travel delay. For reasoable additioal meal ad accommodatio costs after a six hour delay, up to A$500 per perso up to a maximum of A$1,000 for a family. 8. Fueral expeses. 9. Accidetal death. 10. Legal liability. Up to A$12,750 per perso to a maximum A$25,500 for a family for a overseas fueral/ crematio or retur of remais to Australia. I the evet of accidetal death which is ot covered uder the Trasit accidet isurace policy icluded i this documet, we will pay A$17,500 per cardholder ad A$12,500 for a spouse. Limit of A$2,500,000. Part B The cover we provide Beefit 1: Medical ad hospital expeses icurred overseas We isure you for medical ad hospital expeses you icur overseas o your jourey. We reserve the right to retur you to Australia for ogoig medical attetio. I Australia we are ot licesed to pay medical ad hospital expeses ad you would eed to claim o Medicare ad/or your Australia medical isurer. If you choose ot to retur to Australia we will cease to pay for the subsequet medical ad hospital expeses you icur overseas. By medical expeses we mea expeses for: medical, paramedical, or surgical treatmet; or other treatmet, give or prescribed by a qualified ad registered member of the medical professio; or emergecy detal treatmet to atural healthy teeth (but ot ogoig detal treatmet) up to A$1,250 where the treatig detist cofirms i writig that the treatmet was solely to relieve sudde ad severe pai; or ambulace, hospital, or ursig home charges; or expeses for emergecy evacuatio to Australia or aother coutry, if the local medical services are iadequate or ot available. The evacuatio must be authorised ad arraged by Zurich Assist (book a reverse charge/collect call from aywhere i the world o ). If we agree to pay the hospital ad medical expeses associated with your stay i a overseas hospital, we will also pay you, i additio to the hospital ad medical charges, a cash bed care allowace, which covers icidetal expeses, such as a retal TV, ewspapers or hospital phoe calls, for each cotiuous 24-hour period you are cofied i a overseas hospital as a bed care patiet, provided the claim is supported by writte cofirmatio from the hospital of the legth of your stay

17 We will also pay for a relative or fried to travel to where you are, to either care for you or to escort you back to your ormal residece i Australia if: you are ijured or become seriously ill durig the period of cover; ad you show us medical advice writte by a qualified ad registered member of the medical professio, statig that a compaio/escort is ecessary; ad Zurich Assist agrees that a compaio/escort is reasoably ecessary. The compaio s/escort s costs will be reimbursed to the perso who icurs the expese. Medical expeses We will pay for We will pay for your overseas medical expeses durig the period of cover if you: become ill overseas; or get ijured overseas, provided the ijury was accidetally caused by a sudde physical force. We will oly cover your medical expeses if: you icur them overseas, durig your jourey; ad you are legally resposible for payig them; ad you show us medical advice, writte by a registered ad qualified member of the medical professio, as proof of your illess or ijury ad the treatmet you eed for it. We assess that your medical expeses are reasoable i amout ad reasoably ecessary. Please remember that you ca oly claim for emergecy evacuatio if it is arraged by Zurich Assist (book a reverse charge call from aywhere i the world o ). But we will ot pay for We will ot pay for medical expeses that: arise from pre-existig medical coditios uless prior to you leavig Australia, we have give prior writte approval to cover your pre-existig medical coditio ad you have paid the admiistratio fee; or arise from detal treatmet caused by or related to the deterioratio ad/or decay of teeth or ivolvig the use of precious metals; or you ca recover from ay private medical fud or similar govermet scheme; or you icur i Australia; or arise from HIV, AIDS, ARC (AIDS Related Complex, however this sydrome may be acquired or amed), or ay related illess, o matter how you become ifected; or arise from a sexually trasmitted disease; or arise from ay disease that is trasmitted whe givig or takig a drug. Uless the givig or takig of the drug is supervised by a qualified ad registered member of the medical professio ad the disease is ot excluded aywhere else i this Overseas travel isurace policy ; or you icur more tha 12 moths after the date of your illess or disablemet. Beefit 2: Loss or damage to persoal property We isure you, durig your jourey for the theft ad accidetal loss or damage to the followig property/ persoal goods that you either take with you or buy o your jourey: baggage, clothig ad persoal valuables; ad portable electrical equipmet ad bioculars (but we will ot pay for scratched leses); ad cameras ad associated equipmet/accessories (but we will ot pay for scratched leses); ad laptop computers ad associated equipmet/ accessories (but we will ot pay for scratched screes); ad travel documets, travellers cheques, bak otes, currecy otes, postal orders, moey orders, cash credit cards or petrol coupos take with you o your jourey for persoal use

18 Note: Items used for ay busiess purpose or purchased i a busiess ame are ot covered. We will also provide for the emergecy replacemet of your clothes ad toiletries, if your etire luggage is delayed, misdirected, or temporarily misplaced by ay carrier for more tha 12 hours. If your travel documets, credit cards or traveller s cheques are accidetally lost or stole you are covered for their replacemet ad ay legal liability for paymet arisig out of their uauthorised use oly if: you have complied with all the coditios you agreed to whe your travel documets, credit cards or cheques were issued; ad you have reported the loss to the appropriate authorities (e.g. police) as soo as possible after the discovery of the loss. If you are claimig for the emergecy replacemet of your clothes ad toiletries, you will eed to obtai writte cofirmatio from the carrier who was resposible for the luggage ad you will eed to provide us with receipts for the replacemet items you eeded to purchase. I the evet of a claim you must prove your owership of the property ad prove the value of the property (e.g. receipt or valuatio for jewellery). If you ca ot prove the value of your property, the most we will pay for each idividual item is 10% of the limit show for the type of item i Part A The limits that apply ad a summary of the cover. Beefit 3: Uexpected cacellatio of travel arragemets ad other uexpected expeses I regard to the cover provided uder this beefit, the cardholder will become eligible for the beefits whe the deposit for their retur overseas travel ticket(s) has bee obtaied by use of the cardholder s eligible credit card ad the cardholder iteds to obtai their retur overseas travel ticket(s) etirely by use of the cardholder s eligible credit card. Also, the cardholder s spouse ad/or childre ad/or parets will become eligible uder this sectio provided the deposit for their retur overseas travel ticket(s) has bee obtaied by use of the cardholder s eligible credit card ad it is iteded that they will obtai their retur overseas travel ticket(s) etirely by use of the cardholder s eligible credit card. Uder this sectio Zurich covers you for the uexpected cacellatio of travel arragemets ad other uexpected expeses, provided the claim is ot covered elsewhere i this policy. The expese must be icurred durig the period of cover for oe of the reasos listed below: there is a atural disaster, or a atural disaster has recetly happeed or is reasoably expected to happe either at your destiatio or at your or your travel compaio s ormal residece i Australia; or whilst overseas you or your travel compaio s travel documets are lost or stole; or your or your travel compaio s ormal residece i Australia is destroyed; or you or your travel compaio are quaratied; or you or your travel compaio are subpoeaed to atted court i Australia; or your pre-existig medical coditio, if we have give prior writte approval to cover your preexistig medical coditio ad you have paid the admiistratio fee; or your pre-existig medical coditio, if after purchasig your retur overseas travel ticket(s), you become aware you have a medical coditio, which we will the ot provide pre-existig medical coditio cover for; or you, your travel compaio or a relative livig i Australia: dies; or is seriously ijured; or becomes seriously ill

19 Note: We will eed to see medical advice writte by a qualified ad registered member of the medical professio regardig ay of the above evets ad be satisfied that the cacellatio was appropriate ad reasoably ecessary. the uexpected cacellatio of you or your travel compaio s authorised prearraged leave provided the perso whose leave has bee cacelled is a full time employee of the police, fire, ambulace, defece or emergecy services; or you or your travel compaio havig to sit uexpected exams i regard to studies either of you are udertakig; or a special evet has bee cacelled or postpoed for reasos beyod your expectatios or cotrol; or your arraged travel is cacelled or delayed by the carrier because of uexpected: mechaical breakdow; or weather coditios; or atural disasters; or riots, strikes, civil commotio (but ot acts of terrorism, ay warlike activities, war, whether it has bee formally declared or ot, ay hostilities, rebellio or revolutio, or military coup, or overthrow of a govermet); or you or your travel compaio are uexpectedly retreched. This does ot iclude volutary retrechmet or redudacy; or the fiacial isolvecy or fiacial collapse of a licesed service provider, provided the bookig was made via a licesed travel aget. Importat If you wat to claim uder this sectio, you must take steps to miimise your losses. As soo as possible after the cacellatio you must: recover ay refud you are etitled to; ad cacel ay other travel or accommodatio arragemets that deped o your cacelled arragemets ad that you are ow uable to use. We will pay for... If you cotiue your travel You may decide to cotiue your cacelled travel arragemets. If you do this at the earliest possible opportuity after cacellatio, we will, at our optio, either: pay for ay part of your cacelled travel arragemets that: you have paid for but are uable to use; ad that are o-refudable; or pay the costs of a higher class of travel, or icreased seasoal rates for travel, if that is the oly class or rate available. We will pay these costs mius the amout of ay refudable part of your cacelled travel arragemets. We will oly pay to upgrade your travel o the type of trasport you chose i your cacelled travel arragemets. We will also pay for ay part of your cacelled accommodatio arragemets that: you have paid for but are uable to use; ad which are o-refudable. If you do ot cotiue your travel You may decide ot to cotiue with the cacelled travel arragemets at the earliest possible opportuity after cacellatio. If so, we will pay for ay part of your cacelled travel ad accommodatio arragemets that: you have paid for, but will ot use; ad which are o-refudable. How we value travel tickets or accommodatio obtaied by way of redeemig frequet flyer poits. If the travel/accommodatio provider or travel aget will ot refud the value of the compoet (or will oly refud a portio of the value) of the accommodatio/ trasport ticket which was obtaied by redeemig 36 37

20 frequet flyer poits, we will refud the cost of the equivalet accommodatio/trasport ticket based o the quoted retail price at the time the accommodatio/ trasport ticket was issued less the value of the portio of poits refuded back to you. Beefit 4: Resumptio of jourey followig the death of a relative We isure you for the reasoable trasport expeses icurred to retur to Australia ad the resume your jourey, if you have to iterrupt your jourey ad retur to Australia immediately followig the death of a relative livig i Australia. We will oly pay if you resume your jourey withi 30 days of returig to Australia; ad your jourey had ot eded before your retur ad there is at least a fortight or 25% of the time of your jourey remaiig (whichever is the greater); ad the death occurred after you booked your travel; ad your claim is ot excluded elsewhere i this documet. However, if the exclusio is due to your relative s pre-existig medical coditio, we will pay beefits provided that before you commeced your jourey a medical professioal had ot declared your relative as beig termially ill. We will pay for The costs (through reimbursemet to you) of a ecoomy air ticket to Australia ad a ecoomy air ticket to retur you to the overseas locatio where you were to be at that time whe you retured overseas (as stated i your origial itierary). Beefit 5: Special evet If your jourey is iterrupted by ay uexpected cause outside of your cotrol ad as a result you are goig to miss a special evet which ca ot be delayed, we will pay the reasoable additioal costs of usig alterative trasport to arrive at the special evet destiatio i time for the special evet. Beefit 6: Retal vehicle excess We will reimburse you for ay excess or deductible amout which you become legally liable to pay i respect of loss or damage to a retal vehicle durig the retal period provided: the retal vehicle must be reted from a licesed retal agecy; ad the cardholder was operatig the vehicle withi the local laws of the coutry/city; ad the hirig agreemet must icorporate the stadard comprehesive motor isurace ormally provided by the retal agecy coverig loss or damage to the retal vehicle; ad you must comply with all the requiremets of the retal orgaisatio uder the hirig agreemet ad of the retal vehicle isurer. But we will ot pay for We will ot pay for your costs arisig from: loss or damage resultig from the operatio of the retal vehicle i violatio of the terms of the retal agreemet; or wear ad tear, gradual deterioratio, damage from isects or vermi, iheret vice or damage; or drivig the retal vehicle o o-public roads. Beefit 7: Travel delay If the departure of ay scheduled trasport i which you have arraged to travel is delayed for at least six hours due to ay uforesee cause outside your cotrol we will reimburse your reasoable additioal meal ad accommodatio costs. This beefit is oly payable whe you supply receipts for the expeses icurred ad writte cofirmatio from the carrier cofirmig the period of delay. Beefit 8: Fueral expeses We isure you for fueral expeses that are icurred whilst o your jourey. However, we will ot pay for your fueral expeses if your death is the result of a 38 39

21 pre-existig medical coditio uless we have give prior writte approval to cover your pre-existig medical coditio ad you have paid the admiistratio fee. By fueral expeses we mea: the reasoable costs of returig your remais or ashes to Australia; ad/or the reasoable costs of your overseas fueral or crematio. We will pay for fueral expeses if: you die durig the jourey; ad a death certificate give by a qualified ad registered member of the medical professio is show to us as proof of the cause of death. Beefit 9: Accidetal death We will isure you, if whilst o your jourey you die as a result of a ijury sustaied i a accidet (but ot illess or disease) ad the Westpac trasit accidet isurace policy icluded i this documet does ot provide Loss of Life beefits for the accidet. The death must occur withi 12 moths of the accidet ad the accidet must have bee caused by violet, exteral ad visible meas ad must be supported by a death certificate, siged by a qualified ad registered member of the medical professio. If the trasport you are travellig i is ivolved i a accidet caused by violet, exteral ad visible meas ad your body caot be foud, we will after 12 moths treat you as havig died as a result of the accidet. Beefit 10: Legal liability We cover your legal liability durig your jourey. By legal liability, we mea your resposibility to pay compesatio for egligetly causig: bodily harm or death to someoe other tha you; or loss or damage to property owed or cotrolled by someoe other tha you. Oly we have the right to: settle or defed the claim; or make or accept a offer of paymet; or i ay way admit you are liable. We will pay for We will pay for your legal liability if: the evet that gives rise to it: happes durig the jourey; ad is oe that you do ot ited or expect to give rise to your legal liability. We will also pay all reasoable legal fees ad expeses if: we icur them o your behalf; or you icur them after we agree i writig. But we will ot pay for We will ot pay for your legal liability that arises from: Bodily harm to, or the illess or death of: ay relative or travel compaio; or your employee. You owig or occupyig ay lad or buildig (uless the buildig is a residece ad you occupy it as a teat or lessee, or i some other temporary way). You owig, cotrollig or usig a motorised vehicle, a aircraft or a watercraft (other tha a omotorised watercraft used o ilad waterways). However, if you do ot ow or cotrol the trasport ad are usig it just as a passeger, you are ot withi this exclusio. Your busiess, professio or occupatio. Loss or damage to ay property that is owed or cotrolled by you. Ay fies or pealties, icludig puitive, exemplary, liquidated or aggravated damages. These are damages a judge may order a perso to pay as puishmet. They are differet from damages that must be paid as compesatio

22 Purchase security isurace policy Purchase security isurace is a beefit available to Westpac cardholders. This cover provides four moths of free isurace agaist loss, theft, or accidetal damage over a wide rage of ew persoal goods purchased aywhere i the world, provided the purchase is charged to the cardholder s eligible credit card accout. This isurace provides automatic protectio for persoal goods whe their purchase is charged to a eligible credit card accout uless the persoal goods ad/or claims are excluded by the Defiitios, Terms ad Coditios, or Exclusios, or the cardholder fails to comply with the Claims Procedures. The persoal goods are isured aywhere i the world for four moths from the date of purchase i the evet of loss, theft or accidetal damage. However, there is o cover util you have take possessio of the persoal goods. The liability of Zurich for claims made pursuat to this isurace shall ot exceed the lesser of: the actual amout charged to the cardholder s eligible credit card accout to purchase the persoal good; or A$3,500 per claim i respect of jewellery, watches ad fie arts; or A$135,000 i ay 12 moth period i respect of ay oe eligible credit card accout. Exteded warraty isurace policy Exteded warraty isurace is a beefit available to Westpac cardholders. The cover exteds the maufacturer s expressed Australia warraty o persoal goods, purchased, provided the purchas is charged to the cardholder s eligible credit card accout. The isurace does ot affect the rights of cardholders agaist a maufacturer i relatio to cotravetio of statutory or implied warraties uder Australia legislatio. The isurace cover provided i respect of the purchase of persoal goods comes ito effect at the ed of the Australia warraty period that applies to the persoal good(s), provided the Australia warraty is for a period of six moths or more up to a period of four years. Oly items with a maufacturer s uique idetificatio serial umber o them are covered uder this isurace. This exteded warraty period will be for a duratio up to a maximum of two full years ad does ot apply if the Australia warraty period is i excess of four years. For example: Australia warraty period Six moths Eleve moths Oe to four years Over four years Exteded warraty period Six moths Eleve moths Two years No cover This exteded warraty oly covers the failure of persoal goods to operate for the purpose for which they were desiged as a result of a breakdow or defect, provided the breakdow or defect is covered by the terms of the Australia warraty. The liability of Zurich for claims made pursuat to this isurace shall ot exceed: the actual Australia dollar purchase price of the persoal good(s) charged to a eligible credit card accout; ad i a 12 moth period the sum of A$10,000 per eligible credit card accout. If a claim is to be paid uder this isurace you must obtai our approval prior to proceedig with ay repairs or replacemet of the persoal goods which have broke-dow or are defective. Price guaratee cover Price guaratee cover is a beefit available to Westpac cardholders whe ew persoal goods are purchased aywhere i Australia ad the etire cost is charged to the cardholder s eligible credit card accout

23 This scheme guaratees the cardholder gets the best price if, withi 21 days after the purchase of a persoal good, they advise us that they have subsequet to their purchase, received a prited catalogue showig the same persoal good (same model umber ad same model year), by the same maufacturer, for a lower price from a store withi 25 kilometres of the store from where the persoal good was purchased, ad the price differece is greater tha A$75. The cheaper persoal good must be: the same model umber; ad same model year; ad produced by the same maufacturer as the persoal good you had previously purchased. The catalogue showig the cheaper article must have bee prited after the date you purchased the persoal good. You must report (make a claim) the cheaper article to Zurich withi 21 days of the purchase of the persoal good. This is because Zurich oly provides cover for cheaper items reported withi 21 days of the date of purchase of the origial persoal good. Provided the price differece is greater tha A$75 you will be refuded the price differece up to A$300. Iterstate flight icoveiece isurace Iterstate flight icoveiece isurace is available to Westpac cardholders whilst they are o a iterstate Australia holiday of up to 14 days provided the cardholder charges the etire cost of their retur iterstate flight fare (but ot taxes, or airport or travel aget s charges) to the cardholder s eligible credit card accout. This cover exteds to the cardholder s spouse ad/or childre ad/or parets who have also had the etire cost of their retur iterstate flight fares (but ot taxes, or airport or travel aget s charges) charged to the cardholder s eligible credit card accout. Except for the cacellatio cover, the other covers icluded i this policy are available for a period of 14 days from the date the cardholder, spouse ad/or child ad/or paret leaves their Australia home to travel directly to the airport from where they are catchig their iterstate flight. The cover will cease after this 14 day period or earlier if the cardholder, spouse ad/ or child ad/or paret retur to their Australia home withi 14 days. This cover, however, is ot desiged to provide travel isurace beefits as prescribed uder the Isurace Cotract Act Beefits 1. Delays Flight delay if the iteded iterstate flight is delayed by four hours or more ad o alterative trasport is made available, the cardholder is etitled to charge up to A$50 per perso to their eligible credit card accout for meals ad refreshmets up to a total of A$ hour luggage delay if followig a iterstate flight, your luggage cotaiig clothes ad toiletries is delayed i gettig to you for over 12 hours, the cardholder is etitled to charge up to A$75 per perso to their eligible credit card accout for essetial clothig ad toiletries, up to a total of A$ Loss or damage to persoal items We isure you durig your holiday for the theft ad accidetal loss or damage to clothig ad your persoal items (but ot laptop computers or busiess items) that you have with you. We will pay up to a value of A$500 for each item to a maximum of A$1,250 i total. 3. Fueral expeses as a result of accidetal death If whilst o the iterstate holiday, you die as a result of ijuries caused accidetally directly ad solely by a sudde physical force (but ot illess or disease), we will pay for your fueral expeses up to A$2,

24 per perso to a maximum of A$5,000. By fueral expeses we mea: the reasoable costs of returig your remais or ashes to your home tow/city i Australia; ad/or the reasoable cost of your fueral or crematio. 4. Cacellatio of domestic travel arragemets Uder this sectio we cover you, after the paymet of the etire cost of your retur iterstate flight fares, to a maximum A$1,750, if holiday travel arragemets you have paid for (but ot busiess related travel) are cacelled for ay of the followig reasos. you, your travel compaio or a relative uexpectedly: dies; is seriously ijured; or becomes seriously ill. Note: We will eed to see medical advice writte by a qualified ad registered member of the medical professio regardig ay of the above evets ad be satisfied that the expeses ivolved are reasoable i amout ad reasoably ecessary. your ormal residece i Australia is totally destroyed but ot as a act of terrorism; you are quaratied; you are subpoeaed to atted court i Australia; your arraged travel is cacelled or delayed by the carrier because of uexpected atural disasters; or the cardholder or spouse is uexpectedly retreched. This does ot iclude volutary retrechmet or redudacy. This cacellatio cover will cease 14 days after you leave your Australia home to travel directly to the airport from where you are catchig your iterstate flight or whe you retur to your Australia home if you retur to your Australia home before the 14 days has expired. Retal vehicle excess isurace i Australia We will reimburse you up to A$5,500 for ay excess or deductible amout which you become legally liable to pay i respect of loss or damage to a retal vehicle durig the retal period provided: the retal vehicle must be reted from a licesed retal agecy; ad the total retal vehicle cost was paid for by beig charged to the cardholder s eligible credit card accout; ad the hirig agreemet must icorporate the stadard comprehesive motor isurace ormally provided by the retal agecy coverig loss or damage to the retal vehicle; ad you must comply with all the requiremets of the retal orgaisatio uder the hirig agreemet ad of the retal vehicle isurer. But we will ot pay for We will ot pay for your costs arisig from: loss or damage resultig from the operatio of the retal vehicle i violatio of the terms of the retal agreemet; or wear ad tear, gradual deterioratio, damage from isects or vermi, iheret vice or damage; or drivig the retal vehicle o o-public roads. Trasit accidet isurace policy Trasit accidet isurace is a beefit available to Westpac cardholders. This cover provides certai accidetal death ad ijury cover for cardholders who sustai a ijury while ridig as a passeger i (ot as a pilot, driver or crew member), or boardig or alightig a plae, bus, trai or ferry as outlied i this policy. However, the cover provided does ot iclude beefits as prescribed uder the Isurace Cotract Act This cover is available o trips where the etire paymet for the trip was charged to the cardholder s eligible 46 47

25 credit card accout. I certai circumstaces the beefits also exted to the cardholder s spouse ad/or childre ad/or parets, provided the paymet for their trip was also charged to the cardholder s eligible credit card accout. The beefits listed uder the Schedule of Beefits will be paid if whilst outside Australia, the cardholder ad/or the cardholder s spouse ad/or childre ad/ or parets suffer a loss as a result of a ijury suffered uder the circumstaces specified i poits 1, 2, 3, 4 or 5 as follows: 1. The ijury is sustaied o a trip while you are ridig as a passeger or boardig or alightig the plae, bus, trai or ferry. 2. The ijury is sustaied while you are ridig as a passeger (ot as a pilot, driver or crew member), i a licesed taxi pursuat to ay statute, regulatio, by-law or the equivalet thereof for the trasportatio of passegers for hire. Provided you are travellig directly to or from a airport, bus depot, railway statio or dock, immediately precedig or followig the scheduled trip. 3. Whe, by reaso of a accidet specified i poits 1 or 2 above, you are uavoidably exposed to the elemets ad, as a result of such exposure, suffer a ijury for which idemity is otherwise payable hereuder, the loss shall be covered uder the terms of this policy. 4. If your body has ot bee foud withi oe year of the date of your disappearace arisig out of a accidet which would give rise to a loss as specified i poits 1, 2 or 3 above, it will be presumed that you died as a result of bodily ijury caused by the accidet at the time of your disappearace. 5. A beefit payable uder this policy will be paid to the ijured perso or, i the evet of your death the beefit will be paid to your legal represetative. Schedule of beefits Whe a accidet results i ay of the followig ijuries withi oe year after the date of the accidet, we will pay the amout show below accordig to the ijury. If a perso sustais more tha oe ijury resultig from oe accidet, oly the Beefit Amout for the greater ijury will be paid. Summary of beefits for Sigapore Airlies Westpac Platium cardholders Ijury Life Both hads or both feet Oe had ad oe foot The etire sight of both eyes The etire sight of oe eye ad oe had or foot Oe had or oe foot The etire sight of oe eye Beefit amout A$500,000 A$500,000 A$500,000 A$500,000 A$500,000 A$250,000 A$250,000 Furthermore, ijury with referece to had or foot meas complete severace through or above the wrist for the had or through or above the akle joit for the foot ad, as used with referece to eye, meas permaet, irrecoverable loss of the etire sight of the eye. Limits o what we pay The most we will pay i claims, uder this Trasit accidet isurace policy, that result from the oe icidet (e.g. a bus crash) is A$1,300,000 regardless of the umber of persos i the icidet. This meas that if as a result of oe icidet a umber of cardholders ad spouses were ijured, we would pay each o a proportioal basis (usig the schedule above) up to a total of A$1,300,000. Therefore, if oe cardholder, oe spouse ad two childre lost their lives i the same bus crash, we would pay A$325,000 per perso to each of their legal represetatives

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27 2009 Westpac Bakig Corporatio ABN LAS701 (04/09) WK0003