AMEXOS0406_NAC 0719 456489

The American Express®

Platinum Card

American Express

Platinum Card

Insurance Australia

Terms and Conditions

Effective 1 July 2019

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Terms and Conditions

American Express® Platinum Card Insurance

Policy Number: 09NACPLT06

Cover is effective from 1 July 2019

Before You Travel…

• This booklet contains important information about Your

American Express Platinum Card insurance. You should read

it carefully and keep it in a safe place.

• We recommend that You take a copy with You when You travel.

You can also access a copy online any time by going to

americanexpress.com.au/platinuminsurance.

• If You need to purchase any essential items because of a delay

or lost luggage, make sure You use Your American Express

Platinum Card for all purchases.

• If You need to make a claim, keep detailed particulars and proof

of any loss, including all police reports, sales receipts and charge

card statements showing any purchases made.

• If You have any questions about what is covered and what is not,

please call 1800 236 023.

Activating Your Cover

In order to be eligible for these insurance benefits and to activate

Your cover, You must use Your American Express Platinum Card

in accordance with the Activation of Insurance table on page 3.

Table of Contents

1. Eligibility and Activation of Insurance Benefits 3

2. Summary of Benefits and Scope of Cover 4

3. Important Information about this Cover 10

4. Definitions 10

5. Benefits 13

Section (A) Transport Accident Cover 13

Section (B) Card Account Balance Waiver Cover 13

Section (C) Travel Inconvenience Cover 14

Section (D) Medical Emergency Expenses Cover 14

Section (E) Resumption of Journey Cover 16

Section (F) Baggage, Money and Documents Cover 16

Section (G) Travel Cancellation Cover 18

Section (H) Personal Liability Cover 19

Section (I) Loss of Income Cover 19

Section (J) Hijack Cover 20

Section (K) Kidnap Cover 20

Section (L) Purchase Protection Cover 21

Section (M) Refund Protection Cover 21

Section (N) Buyer’s Advantage Cover 22

Section (O) Smartphone Screen Cover 23

Section (P) Loss Damage Waiver Cover 24

6. General Terms and Conditions Applicable

to All Sections A–P above 25

7. Platinum Assistance Services 25

Section (Q) Legal Assistance 25

Section (R) Roadside Assistance 26

Section (S) Home Assistance 27

8. How to Make a Claim 27

9. Complaints and Dispute Resolution 28

10. Privacy 29

11. General Insurance Code of Practice 29

12. Financial Claims Scheme 30

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

1. Eligibility and Activation of Insurance Benefits

In order to be eligible for the insurance benefits, You must first activate

the cover. See the table below for details:

ACTIVATION OF INSURANCE

Activation of Transport Accident Cover (Section A), Card Account

Balance Waiver Cover (Section B) and Travel Insurance Cover

(Sections C–K):

Cover is effective for each Trip only when:

(a) You pay the full fare for a return Trip on Your American Express

Platinum Card; or

(b) You pay using American Express Membership Rewards points,

frequent flyer points; or

The Trip must be a return Trip and commence and end in Your Country

of Residence. Cover is not activated until a return ticket has been

purchased.

Important: One-way Trips are not covered.

Activation of Purchase Protection Cover (Section L), Refund

Protection Cover (Section M) and Buyer’s Advantage Cover

(Section N):

Cover is effective when You purchase an Eligible Item or Product only

when You pay using:

(a) Your American Express Platinum Card; or

(b) American Express Membership Rewards points.

Activation of Smartphone Screen Cover (Section O):

Cover is effective for each Smartphone when You pay the total cost of a:

• Smartphone outright in a single transaction, or

• a Smartphone on a monthly contract, or

• a minimum 12-month ‘SIM Only’ contract using:

(a) Your American Express Platinum Card; or

(b) American Express Membership Rewards points.

Important: Where the Smartphone monthly contract or SIM Only plan

commences with an alternative payment method before You switch to

making your monthly payment with Your American Express Platinum

Card, cover will commence thirty (30) days after the date of the first

monthly payment on Your American Express Platinum Card.

Activation of Loss Damage Waiver Cover (Section P):

Cover is effective when You take legal control of the Rental Vehicle and

the entire cost is paid for using:

(a) Your American Express Platinum Card;

(b) American Express Membership Rewards points; or

Activation of Platinum Assistance Services (Sections Q–S):

Cover is effective so long as You remain an American Express Platinum

Card Member.

For medical and travel emergencies, or for Platinum Assistance

Services (legal assistance, roadside assistance or home

assistance), please contact Chubb Assistance on +61 2 9335 3492.

IF YOU REQUIRE EMERGENCY ASSISTANCE ANYWHERE IN THE

WORLD CONTACT THE LOCAL TELEPHONE OPERATOR AND

REQUEST A REVERSE CHARGE CALL.

For claims and general enquiries about these Terms and Conditions,

please contact Chubb:

Address:

Postal Address:

Telephone:

Overseas Telephone:

Facsimile:

Email:

Grosvenor Place, Level 38, 225 George Street,

SYDNEY NSW 2000 Australia

GPO Box 4907, SYDNEY NSW 2001

1800 236 023

+61 2 9335 3492

+61 2 9335 3467

CardmemberServices.ANZ@Chubb.com

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

2. Summary of Benefits and Scope of Cover

IMPORTANT

• The following tables summarise the cover, sum insured and exclusions and can be used as a quick reference tool.

• It is Your responsibility to read this document and understand the eligibility criteria, the cover provided, terms, conditions and exclusions.

• A detailed description of the cover, maximum benefit limits and sub-limits is set out in relevant sections within the Terms and Conditions.

• The cover provided is subject to the terms, conditions and exclusions contained in this Terms and Conditions document.

• Exclusions to cover are set out under each section as well as under the General Exclusions section. It is your responsibility to read this

document and understand the eligibility criteria, the cover provided, policy terms, conditions and exclusions.

AUD: All amounts quoted are in Australian dollars (unless specified otherwise).

Cover Cover Description Sum Insured Key Exclusions Page

Travel Insurance Cover

ATransport Accident Cover

Provides cover for loss of life,

sight or dismemberment arising:

• While riding as a passenger on,

or transport to/from a Licensed

Airplane, Ship or Bus

• While in a departure or

destination terminal

• From exposure and

disappearance

Loss type You or Spouse

Loss of life $400,000

Dismemberment:

Loss of both hands

or both feet $400,000

Loss of one (1) hand

and one (1) foot $400,000

Loss of entire sight

of both eyes $400,000

Loss of entire sight

of one (1) eye and

one (1) hand or

one (1) foot $400,000

Loss of one (1) hand

or one (1) foot $200,000

Loss of the entire sight

of one (1) eye $200,000

• Private Charter

• We will only pay one (1) benefit

amount for any one (1) accident

or Injury

B Card Account Balance Waiver Cover

Provides cover for the outstanding

balance of Your American Express

Platinum Card at the time of the accident

should You suffer a Loss under Section (A)

Outstanding balance of Your

American Express Platinum Card

Any amounts identified on Your

American Express Platinum Card

monthly statement issued prior to the

accident which are more than ninety

(90) days overdue

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Cover Cover Description Sum Insured Key Exclusions Page

Travel Insurance Cover

C Travel Inconvenience Cover

Provides cover for:

• Delayed flight departure (of four (4)

hours or more), flight cancellation,

denied flight boarding, missed flight

connection

• Six (6) hour luggage delay checked

on Scheduled Flight.

The amount of cover varies for each

benefit

• Additional hotel accommodation

and restaurant meals or

refreshments up to $700

• Emergency purchase of essential

clothing and items up to $700

• Luggage delay on Your arrival back

in Your Country of Residence

• The purchase of essential items under

luggage delay, which are not immediately

necessary for Your Trip

• Your failure to take reasonable measures

to save or recover lost luggage

• Your failure to notify the relevant airline

authorities of missing luggage at the

destination point or to obtain and

complete a property irregularity report

D Medical Emergency Expenses Cover

Provides cover for Repatriation/

Evacuation, cost of overseas Treatment,

emergency dental Treatment and

reasonable extra accommodation costs

in the event of a Medical Emergency

In an emergency:

You should contact Chubb Assistance

as soon as an emergency arises on

+61 2 9335 3492 and provide Your

American Express Platinum Card

number, as much information as

possible and a telephone or fax number

where You can be contacted. REVERSE

CHARGE CALLS WILL BE ACCEPTED

FROM OVERSEAS

If Your medical condition prevents You

from calling, someone else should call

on Your behalf, such as a relative, Your

travelling companion, nurse or Doctor

If You do not call Chubb Assistance

before seeking emergency medical

treatment, or You chose to seek

treatment from a medical service not

approved by Chubb Assistance, You

may be responsible for Your medical

expense costs (up to a maximum of

$25,000) to the extent that those

medical expenses could otherwise

have been reduced through preferred

medical providers arranged by

Chubb Assistance

Medical Emergency

• Repatriation/Evacuation

• Unlimited cost of Treatment (other

than for any medical emergency as

a result of an act of Terrorism, which

is sub limited to $1,000,000)

• Emergency dental Treatment up

to $1,500

• Incidental expenses up to $5,000

• Reasonable extra accommodation

costs up to $2,500

In the event of Your death

• Transportation of Your remains

to Your Country of Residence; or

• Cremation and subsequent

transportation of Your remains

to Your Country of Residence; or

• Local burial up to $15,000

Excess: $250 for each and

every claim

• Pre-existing Medical Conditions

• Medical Costs if You have not contacted

Chubb Assistance and the treatment costs

could have been reduced through

agreements arranged by Chubb Assistance

• Your participation in Excluded Sports

and Activities as defined, this includes,

but is not limited to; canoeing, horse

riding, trekking, mountain biking, hot air

ballooning, scuba diving (deeper than

30 metres), white water rafting, bungee

jumping, go-karting, rock climbing

• Your participation in extreme sports

• Medical assistance and expenses if You

are eighty (80) years old or over, at any

time during the Trip

• Emergency dental Treatment over $1,500

• Dental costs related to dentures, crowns

and orthodontics

• Any costs relating to an act of Terrorism

where the Trip has been booked or

commenced following a travel advisory

warning being issued for the destination

You planned to travel to. For the

avoidance of doubt, this means any

travel advisory warning issued by the

Department of Foreign Affairs and Trade

(DFAT) where the level of advice is

Reconsider Your need to Travel or

Do Not Travel for the destination

https://smartraveller.gov.au

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Cover Cover Description Sum Insured Key Exclusions Page

E Resumption of Journey Cover

Provides cover for cost to resume Your

Trip (of two weeks or more) after it has

been interrupted following the death,

imminent death, serious accident or

acute illness of a Close Relative

Up to $5,000

Excess: $250 for each and

every claim

• Close Relative who is more than ninety

(90) years of age

• An act of Terrorism

F Baggage, Money and Documents Cover

Provides cover for damaged, destroyed,

lost or stolen Personal Baggage or

Money and Documents during Your Trip

Up to $30,000 in total in any one

(1) three hundred and sixty-five (365)

day period for:

(a) any single item or pair/set of

items up to $5,000; and

(b) Money and Documents up to

$1,000

(d) One (1) laptop up to $3,000

Excess: $250 for each and every claim

• Valuables in an Unattended motor

vehicle

• Items left Unattended in a Public Place

• Where no written report has been

obtained from the local police, carrier,

tour operator or accommodation

manager within forty-eight (48) hours

of the incident occurring

• Deductions applied for wear and tear

G Travel Cancellation Cover

Provides cover for non-refundable

deposits, pre-paid excursion costs and

unused travel and accommodation costs

You have paid in the event You cancel

Your Trip for the following reasons:

• Death or illness of a travel companion

• Death or illness of a person You are

intending to visit

• Your redundancy

• Burglary or major damage to Your

home or place of business

• Special Event You were attending has

been cancelled, or postponed, due to

unforeseen circumstances outside

Your control

• A delay of more than twenty-four (24)

hours, or the reduction in length of

Your Trip by at least 25%, whichever

is greater of the two, on the first leg

of Your Trip due to industrial action,

adverse weather, mechanical

breakdown of public transport or

a transportation accident

• a Natural Disaster

• DFAT issued or upgraded a travel

warning to “advise against all travel”

• Non-refundable deposits;

• Pre-paid excursion costs;

• Travel agents’ commission

which is limited to $750 or 15%

whichever is the lesser;

• Unused travel and accommodation

costs that You had paid or are

contractually obliged to pay;

• Any other reasonable additional

expenses incurred up to $5,000;

• The retail price for any ticket; and

• Up to $30,000 in total, per Trip

Special Event – pay reasonable

additional expenses up to a maximum

of $3,000 for the cost of alternative

public transport to arrive at the

Special Event in time

Excess: $250 for each and

every claim

• Pre-existing Medical Conditions

• Losses arising from the death,

imminent death, serious accident or

acute illness of any Close Relative who

is over the age of ninety (90) years old

• Circumstances known to You prior

to the booking of a Trip

• You or any other person deciding not

to continue on Your Trip or changing

Your plans

• Additional costs incurred due to Your

failure to notify the carrier or travel

agent immediately that Your Trip is

to be cancelled or curtailed

• Additional costs where a claim has

already been made for forfeited costs

for the same event, or if a claim has

been paid elsewhere e.g. Travel

Inconvenience Cover

• An Act of Terrorism

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Cover Cover Description Sum Insured Key Exclusions Page

H Personal Liability Cover

Provides cover for Your liability for

damage or Injury to any person

or damage or accidental loss to property

Up to $3,000,000 • Injury or loss of or damage to material

property arising directly or indirectly

out of the ownership, possession,

control or use by You or on Your behalf

• Mechanically propelled vehicles

(including, but not limited to,

cars and motorcycles), aircraft,

hovercraft or watercraft (other than

non-mechanically propelled watercraft

less than ten (10) metres in length)

I Loss of Income Cover

Provides cover for loss of income if You

are employed or self-employed and

during a Trip suffer an illness or Injury

which results in Temporary Total

Disablement and a loss of income for

thirty (30) days or more

Monthly Salary up to:

• $3,000 per month;

• $12,000 in total in respect to one

illness or Injury

Note: You must see a Doctor.

The first day of Your Temporary Total

Disablement is the day Your Doctor

confirms You cannot work

JHijack Cover

Provides cover for the cost of Your Close

Relatives to travel and stay at the place

of the Hijack for a maximum of thirteen

(13) days in the event of Your Licensed

Airplane, Ship or Bus being subjected

to Hijack during Your Trip and if You

are detained in excess of twenty-four

(24) hours

Up to:

• $2,000 in total for every twenty-

four (24) hours You are held captive;

and

• $26,000 in total for Your Close

Relatives per occurrence

Your accidental Death as a result of

Hijacking: $400,000 under Section

(A) Transport Accident Cover

Please refer to section J below for

full details

KKidnap Cover

Provides cover for the cost of Your Close

Relatives to travel to and stay at the place

of the Kidnap for a maximum of thirteen

(13) days whilst You are held captive if

You are Kidnapped whilst on a Trip

Up to:

• $2,000 in total per every 24 hours

You are held captive; and

• an aggregate maximum of $26,000

per occurrence

We will not act as Your negotiator or

intermediary or advise You in dealing

with the kidnappers

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Cover Cover Description Sum Insured Key Exclusions Page

Purchase Protection Cover

L Purchase Protection Cover

Provides cover for loss, theft or damage

to Eligible Items within ninety (90) days

of purchase

Up to:

• $30,000 in any one (1) three hundred

and sixty-five (365) day period;

• $3,500 per event

$50 Excess for each and every claim

• Eligible Items left Unattended in a

Public Place

• Eligible Items left in an Unattended

motor vehicle

Refund Protection Cover

M Refund Protection Cover

Provides cover for the Purchase Price of

an unused Eligible Item if You try to return

it to the Retailer within ninety (90) days of

the purchase and the Retailer will not take

it back

• Up to $1,000 per Eligible Item; and

• Up to $5,000 in any three hundred

and sixty-five (365) day period

• Eligible Items that are faulty

• A store credit has been received

• Eligible Items purchased from a

Retailer outside Australia

• Eligible Items with a Purchase Price

of $50 or less

Buyer’s Advantage Cover

N Buyer’s Advantage Cover

Provides cover for the breakdown or

defect of Eligible Products during the

Buyer’s Advantage Period

Up to $20,000 in any twelve (12)

month period (including GST)

• Excluded Products

• Items purchased from a Retailer

outside Australia

• Any costs other than for parts and/or

labour costs resulting from a covered

breakdown or defect

Smartphone Screen Cover

O Smartphone Screen Cover

Provides cover for breakage of

Smartphone screens following

accidental drop or impact whilst the

American Express Platinum Card is active

Up to $500

Reimbursement is restricted to two

(2) eligible claims in any one (1)

twelve (12) month period

Excess: 10% of the repair cost

(excess) applies to each and every

claim, payable by the Platinum Card

Member

Waiting Period: Where the

Smartphone monthly contract or

SIM Only plan commences with an

alternative payment method before

You switch to making your monthly

payment with Your American Express

Platinum Card, cover will commence

thirty (30) days after the date of the

first monthly payment on Your

American Express Platinum Card

• 10% of the repair cost (excess) applies

to each and every claim

• Any Smartphone not Purchased or

paid for with Your American Express

Platinum Card

• Any costs other than for the glass or

plastic screen

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Cover Cover Description Sum Insured Key Exclusions Page

Loss Damage Waiver Cover

P Loss Damage Waiver Cover

Provides cover for loss or damage

to a Rental Vehicle.

Up to:

• $125,000; or

• the value of the Rental Vehicle; or

• the value of the claim;

whichever is the lesser

Any one (1) accident or occurrence

and a maximum two (2) claims

per three hundred and sixty-five

(365) days

• Driving by persons who do not have a

valid driving licence or anyone under

the age of twenty-one (21) or over the

age of seventy-five (75) years

• The rental of trailers or caravans,

vehicles for business or commercial

use, motorcycles, mopeds and

motor homes

• Damage sustained whilst driving on an

unsealed or dirt public road

Platinum Assistance Services

QLegal Assistance

Provides cover for referral and advance

of emergency legal fees and Bail Bond

• Referrals and Advance of Lawyers’

Fees: up to US$10,000

• Advance of Bail Bond: up to

US$10,000

• Legal Assistance requested within

Australia

• Total advanced legal fees or bail bond

greater than US$10,000

• You do not attend the arranged court

hearing

R Roadside Assistance

Provides cover for Roadside Assistance

or towing, replacement vehicles, return of

vehicles. Available within Tasmania and

mainland Australia only

• Roadside Assistance: up to $200

• Replacement Vehicle: rental of a

Category 3 vehicle from an

independent car rental company

• Return of You and Passenger/s to

Your Usual Place of Residence: up to

$400 or 400 km, whichever is less,

for the transportation of You and up

to four (4) passengers back to Your

usual place of residence

• Return or Collection of Vehicle

after Repair

• Claims arising from participation in

motor racing, rallies, speed or

duration tests

• Previously inadequate repair

• Vehicle has not been maintained

in accordance with manufacturer’s

recommendation

• Vehicle has been used for hire or

reward, or carriage of commercial

goods

• Loss or damage deliberately carried

out or caused by You

SHome Assistance

Provides cover for 24-hour referral to

service providers and organise and pay

up to two (2) per year, emergency

call-outs. Available within Australia only

Chubb Assistance will provide the

following Home Assistance services

to You:

• 24-hour referrals to service

providers, including plumbers,

locksmiths, electricians and

air-conditioning service

specialists; and

• organise and pay, up to a maximum

of two times per year, the charges

for emergency call-out for the above

providers to go to Your usual place

of residence

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Termination

Cover will be terminated if either of the following happen:

• Your American Express Platinum Card is cancelled; or

• The Master Policy of Insurance is cancelled.

3. Important Information about this Cover

These Terms and Conditions explain the nature of the insurance

arrangement and its relevant benefits and risks.

These Terms and Conditions set out important information about the

terms, conditions and exclusions under the American Express Platinum

Insurance benefits. Cover is provided subject to these terms, conditions

and exclusions.

There is no obligation to accept any of the benefits of this cover. However,

if You wish to make a claim under the cover provided in the Terms and

Conditions, You will be bound by the definitions, terms and conditions,

exclusions and claims procedures set out in this document.

Master Policy with Chubb

American Express holds a Master Policy (Chubb reference number

09NACPLT06 the “Master Policy”) with Chubb. Under the Master Policy,

You get access to the benefits detailed in these Terms and Conditions

(subject to the terms and conditions specified) provided by Chubb as the

insurer where You have met the activation and eligibility requirements set

out in the Eligibility and Activation of Insurance Benefits above. You are

not charged by Chubb for these benefits.

The cover provided is subject to any endorsements and/or amendments

to the Master Policy from time to time. A copy of any updated

information is available to You at no cost by visiting the website at

americanexpress.com.au/platinum.

This document replaces and supersedes any certificates that have been

previously issued or details of terms of cover for the Master Policy

provided prior to the effective date of these Terms and Conditions.

Section 48 of the Insurance Contracts Act

Access to this insurance is provided to You solely by reason of the

statutory operation of section 48 of the

Insurance Contracts Act 1984

(Cth). You are not a contracting insured (i.e. You cannot vary or cancel

the cover – only American Express can do this) and You do not enter into

any agreement with Us. American Express is not the insurer, does not

guarantee or hold this right on trust for You and does not act as Chubb’s

agent (that is, on behalf of Chubb). Neither American Express nor any

of its related corporations are Authorised Representatives (under the

Corporations Act 2001

(Cth)) of Chubb or any of its related companies.

No Advice

American Express is not authorised to provide any advice,

recommendations or opinions about this insurance on behalf of Chubb.

No advice is provided by Chubb on whether this insurance is appropriate

for Your needs, financial situation or objectives. You should read these

Terms and Conditions carefully and contact Chubb if assistance is required.

Updating these Terms and Conditions

Information in this document may be updated where necessary. A copy

of any updated information is available to You at no cost by visiting the

website at americanexpress.com.au/platinum. Chubb will issue a new

document or a supplementary document to American Express to advise

of a change to the existing Terms and Conditions or to make any

necessary corrections.

Other Insurance

The insurance cover described in this document is provided for Your

benefit under the Master Policy entered into between Chubb and

American Express. If You are entitled to receive a benefit or make a claim

under another policy (for example a home and contents policy, an

alternative mobile phone policy or the American Express Travel Insurance

Policy Wording and Product Disclosure Statement) in respect of the same

loss as Your claim under this Master Policy, then Chubb is not liable to

provide indemnity under this Master Policy until the amount of any

indemnity under the other policy is exhausted. Therefore, any insurance

cover under this Master Policy in respect of the same loss shall only be

excess insurance cover over and above the applicable policy.

4. Definitions

The following words when used with capital letters in this document have

the meaning given below.

American Express means American Express Australia Limited

(ABN 92 108 952 085, AFS Licence No. 291313) of 12 Shelley Street,

Sydney NSW 2000, the Master Policy holder.

American Express Platinum Card means an American Express Platinum

Card account issued by American Express Australia Limited, billed from

Australia and in Australian dollars.

Appointed Claims Handler means Chubb or its claims handling agent

and/or representative.

Chubb Assistance means the service provider acting on behalf of Chubb

to provide emergency medical and travel assistance, legal assistance,

roadside assistance and home assistance.

Chubb means Chubb Insurance Australia Limited (ABN 23 001 642 020,

AFS Licence No. 239687) of Grosvenor Place, Level 38, 225 George

Street, SYDNEY NSW 2000 (Chubb), the insurer of the Master Policy held

by American Express.

Close Relative means spouse, parent, parent-in-law, step-parent, child,

brother, half-brother, step-brother, brother-in-law, sister, half-sister,

step-sister, sister-in-law, daughter-in-law, son-in-law, niece, nephew,

uncle, aunt, grandparent or grandchild.

Country of Residence means the country You are currently residing in.

Doctor means a legally registered medical practitioner or dentist who

is not You or Your relative.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Domestic Trip means:

1. a trip that is more than 150 km from Your place of residence and

is within Your Country of Residence; and

2. for which the full fare has been charged to an American Express

Platinum Card (or paid for with the equivalent American Express

Membership Rewards points, frequent flyer points or Travel Benefit).

If You are unable to use Your American Express Platinum Card to purchase

your Domestic Trip because it is not accepted by your chosen provider,

You will still be eligible for cover if You can supply proof of purchase and

the name and address of the travel provider.

Eligible Item means an item:

1. that is purchased solely for personal use; and

2. that is new and has not been used; and

3. the cost of which has been charged to an American Express Platinum

Card (including through the redemption of American Express

Membership Rewards points).

Excluded Sports and Activities means boxing; cave diving; horse

jumping; hunting and hunting on horseback; professional sports; solo

canyoning; solo caving; solo diving; solo mountain-climbing; steeple

chasing; any form of motor racing, speed, performance or endurance

tests; abseiling; American football; baseball; bob sleigh; bungee jumping;

canoeing; clay pigeon shooting; deep sea fishing; fell running; go-karting;

hang gliding; heli-skiing; hockey; hot air ballooning; ice hockey; jet biking

and jet skiing; luge; martial arts; microlighting; mountain biking off

tarmac; mountaineering; parachuting; paragliding; parascending;

paraskiing; polo; potholing; quad biking; rock climbing; rugby; scuba diving

deeper than thirty (30) metres; skeleton; skidoo; ski-jumping; ski-racing;

ski-stunting; tour operator safari (where You or any tourist will be carrying

guns); trekking requiring climbing equipment and/or ascending above

4,000 metres; war games/paint ball; white water canoeing and rafting;

yachting more than twenty (20) nautical miles from the nearest coastline.

Injury means bodily injury which:

1. is caused by accidental, violent, external and visible means

(the accident) and results solely and directly from the accident

and independently of all other causes; and

2. causes a loss, within one-hundred (100) days of the accident.

Insolvency means bankruptcy, provisional liquidation, liquidation,

insolvency, appointment of a receiver or administrator, entry into a

scheme of arrangement, statutory protection stopping the payment

of debts or the happening of anything of a similar nature under the

laws of any jurisdiction.

International Trip means a return trip:

1. anywhere outside Your Country of Residence; and

2. that starts and finishes in Your Country of Residence;

3. for which the full fare has been charged to Your American Express

Platinum Card (or paid for with equivalent American Express

Membership Rewards points, frequent flyer points or Travel Benefit).

If You are unable to use Your American Express Platinum Card to purchase

Your International Trip because it is not accepted by Your chosen provider,

You will still be eligible for cover if You can supply proof of purchase and

the name and address of the travel provider.

Licensed Airplane, Ship or Bus means an air, land or water vehicle (other

than a rental vehicle or Private Charter aircraft or watercraft) operated by

a common carrier licensed to carry passengers for hire (including taxis

and airport limousines).

Loss means loss of life, or:

1. complete and permanent severance of a foot at or above the

ankle joint;

2. complete and permanent severance of a hand at or above the wrist;

3. the irrecoverable loss of the entire sight of an eye.

Medical Condition means any medical or psychological disease,

sickness, condition, illness or injury that has affected:

1. You or any travelling companion or person with whom You intend

to stay whilst on Your Trip; or

2. Your Close Relative or the Close Relative of any travelling companion;

3. a Close Relative of a person with whom You intend to stay whilst

on Your Trip.

Pair or Set means a number of Personal Baggage items used together,

associated as being similar or complementary.

Platinum Card Member means:

1. the person who is issued an American Express Platinum Card as the

primary account holder or a supplementary or additional Card

Member; and

2. their husband, wife, fiance(e), de-facto or life partner with whom they

have continuously cohabited for a period of six (6) months or more;

and

3. their legally dependent children (including stepchildren or legally

adopted children) who are twenty-four (24) years of age or less and

wholly dependent on them for financial support.

Pre-existing Medical Condition means:

1. any past or current Medical Condition that, during the 2 years prior

to You booking any Trip has given rise to symptoms, or for which any

form of treatment or prescribed medication, medical consultation,

investigation or follow-up/check-up has been required or received; or

2. any cardiovascular or circulatory condition (e.g. heart condition,

hypertension, blood clots, raised cholesterol, stroke, aneurysm) that

has occurred at any time in the five (5) years prior to You booking any

Trip; or

3. any pregnancy if, at the time of any Trip, is within eight (8) weeks of the

estimated date of delivery.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Subject to the terms and conditions specified, the following listed

medical conditions are automatically covered under this Policy.

The time frames applicable to each medical condition apply from the

date of booking Your Trip.

Asthma

If You have not had an asthma attack requiring treatment

by a Doctor in the last twelve (12) months.

Epilepsy

If there are no underlying medical conditions and You

have not required treatment, or had Your medication

altered, by a Doctor for a seizure in the last twelve (12)

months.

Gout

If the gout has remained stable for the past six (6)

months.

Hiatus Hernia

If no surgery is planned in the next two (2) years.

Hip

Replacement

If performed more than six (6) months ago and no further

treatment is required.

High

Cholesterol

If You have no known heart conditions.

Peptic Ulcer

If Your condition has remained stable for more than

six (6) months.

Underactive

Thyroid

If not as a result of a tumour.

Private Charter means a flight or flights during Your Trip on an aircraft

where You and Your travelling companions are the only passengers.

Public Place means, but is not limited to, shops, buses, planes, trains,

taxis, airports, bus depots, hotel foyers, restaurants, cafes, beaches,

entertainment venues and any place that is accessible by the public.

Purchase Price means the amount shown on the American Express

Platinum Card billing statement.

Retailer means a business operating in Australia with premises at an

Australian address, from where the Eligible Item was purchased.

Scheduled Airline means an airline listed in the official airline guide

or equivalent and the air carrier holds a certificate, licence or similar

authorisation for scheduled air transportation issued by the relevant

authorities in the country in which the aircraft is registered and, in

accordance with such authorisation, maintains and publishes schedules

and tariffs for passenger service between named airports at regular

and specific times. Scheduled Airline does not include Private Charter.

Scheduled Flight means a flight in an aircraft on a Scheduled Airline.

Smartphone means an electronic device used for mobile

telecommunications over a cellular network (including but not limited

to BlackBerry, Apple iPhone, Samsung and similar). Smartphone does

not mean tablets or smart watches

Specially Designated List means names of a person, entities, groups,

corporate specified on a list who are subject to trade or economic

sanctions or other such similar laws or regulations of the United States

of America, Australia, United Nations, European Union or United Kingdom.

Terrorism means activities against persons, organisations or property

of any nature:

1. that involves the following or preparation for the following:

(a) use of, or threat of, force or violence; or

(b) commission of, or threat of, force or violence; or

an electronic communication, information, or mechanical system;

and

2. when one (1) or both of the following applies:

(a) the effect is to intimidate or coerce a government or the civilian

population or any segment thereof, or to disrupt any segment of

the economy; and/or

(b) it appears that the intent is to intimidate or coerce a government,

or to further political, ideological, religious, social or economic

objectives or to express (or express opposition to) a philosophy

or ideology.

Travel Benefit means any travel benefit or credit offered under the

American Express Platinum Card terms and conditions.

Treatment means surgical or medical procedures performed by a

Doctor or qualified dentist where the sole purpose of which is to cure

or relieve acute illness or Injury.

Trip means:

1. a Domestic Trip; or

2. an International Trip.

Cover for a Trip ceases at the earlier of:

1. when You return to Your usual place of residence; and

2. when Your Trip exceeds one hundred and eighty (180) consecutive

days; and

3. when You have travelled a total of one hundred and eighty-three (183)

days during each year of American Express Platinum Card membership.

Each Domestic Trip or International Trip must commence and end in Your

Country of Residence.

Unattended means when Your possessions are not under Your

observation and within Your reach and/or Your possessions can be taken

without You being able to prevent them from being taken. Unattended does

not include possessions in Your Personal Baggage which are checked or

stowed in the luggage hold of a Licensed Airplane, Ship or Bus, however

Valuables stored this way are not covered.

You/Your means a Platinum Card Member:

We/Our/Us means Chubb.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

5. Benefits

Section (A) Transport Accident Cover

Cover

1. Loss arising while riding as a passenger in a Licensed Airplane, Ship

or Bus

If You sustain an Injury that results in a Loss as a result of riding as a

passenger in, or boarding or alighting from, or being struck by a Licensed

Airplane, Ship or Bus, We will pay the applicable benefit amount noted in

the table below entitled “Benefit Amounts and Covered Limits”.

2. Loss arising from transport to/from a Licensed Airplane, Ship or Bus

If You sustain an Injury that results in a Loss as a result of riding as a

passenger in a Licensed Airplane, Ship or Bus whilst on a Trip:

(a) when going directly to a point of departure (as designated on Your

ticket) for the purpose of boarding a Licensed Airplane, Ship or Bus; or

(b) when leaving a destination after alighting from a Licensed Airplane,

Ship or Bus

We will pay the applicable benefit amount noted in the table below entitled

“Benefit Amounts and Covered Limits”.

3. Loss arising while in a departure terminal or destination terminal

If You sustain an Injury that results in a Loss due to an accident while You

are in either the point of departure terminal or destination terminal (both

as designated on Your ticket) of a Licensed Airplane, Ship or Bus, We will

pay the applicable benefit amount noted in the table below of this section

entitled “Benefit Amounts and Covered Limits”.

4. Loss arising from exposure

If You sustain an Injury that results in a Loss, other than Loss of life, due

to the disappearance, sinking or wrecking of the Licensed Airplane, Ship

or Bus on which You were travelling, We will pay the applicable benefit

amount noted in the table below of this section entitled “Benefit Amounts

and Covered Limits”.

5. Loss arising from disappearance

If You disappear due to the disappearance, sinking or wrecking of the

Licensed Airplane, Ship or Bus on which You were travelling, and Your

body has not been found within fifty-two (52) weeks We will pay the

applicable benefit amount noted in the table below of this section entitled

“Benefit Amounts and Covered Limits”.

Benefit Amounts and Covered Limits

Loss Type

Benefit

Amount

(AUD)

Loss of life 400,000

Dismemberment 400,000

Loss of both hands or both feet 400,000

Loss of one (1) hand and one (1) foot 400,000

Loss of entire sight of both eyes 400,000

Loss of entire sight of one (1) eye and one (1)

hand or one (1) foot

400,000

Loss of one (1) hand or one (1) foot 200,000

Loss of the entire sight of one (1) eye 200,000

Terms and Conditions applicable to Transport Accident Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 25)

1. In no event will We pay for more than one (1) Loss sustained by You as a

result of any one (1) accident or Injury. Where more than one (1) type of

Loss is sustained, the benefit will be paid for the greatest Loss amount.

2. If You are also entitled to make a claim under the insurance cover

provided by Us under another American Express issued card account,

We will only make one (1) payment equal to the highest benefit amount

payable under all insurance cover provided by Us in relation to the

accident and Loss in question.

3. Benefits will be paid in Australian dollars to You or, in the case of Your

Loss of life, to Your estate.

Section (B) Card Account Balance Waiver Cover

Cover

1. Payment of outstanding balance of American Express Platinum Card

If You suffer a Loss under Section (A) Transport Accident Cover, then

We will pay the outstanding balance of Your American Express Platinum

Card as at the time of the Loss (including American Express Platinum Card

charges incurred prior to the accident and not yet billed).

Exclusions under Card Account Balance Waiver Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 24)

1. We will not pay any charges on Your American Express Platinum Card

which are more than ninety (90) days overdue for payment.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Section (C) Travel Inconvenience Cover

Cover

1. Delayed flight departure, flight cancellation, or denied aircraft boarding

If during a Trip, departure of Your Scheduled Flight is delayed for four

(4) hours or more, cancelled, or You are denied boarding of the aircraft

due to over-booking, and no alternative transportation is made available

to You within four (4) hours of the scheduled departure time of such flight,

We will reimburse You for hotel accommodation and restaurant meals or

refreshments up to $700.

2. Missed flight connections

If during a Trip, Your onward connecting Scheduled Flight is missed at the

transfer point due to the late arrival of Your incoming connecting

Scheduled Flight, and no alternative onward transportation is made

available to You within four (4) hours of the actual arrival time of the

incoming flight, We will reimburse You for hotel accommodation and

restaurant meals or refreshments up to $700.

3. Luggage delay checked on Scheduled Flight

If during a Trip, Your accompanying luggage checked on the Scheduled

Flight is not delivered within six (6) hours of Your arrival at the scheduled

destination point of Your flight, We will reimburse You for the emergency

purchase of essential clothing and toiletries up to $700 incurred at such

scheduled destination.

4. Extended luggage delay checked on Scheduled Flight

If during a Trip, Your accompanying luggage checked on the Scheduled

Flight is not delivered to You within forty-eight (48) hours of Your arrival

at the scheduled destination point (not being Your place of residence) of

Your flight, We will reimburse You for the emergency purchase of essential

clothing and toiletries up to an additional $700 incurred at such scheduled

destination.

Terms and Conditions applicable to Travel Inconvenience Cover

1. Accommodation, restaurant meals or refreshments, emergency

purchase of essential clothing and toiletries must be charged to

Your American Express Platinum Card.

2. Should more than one (1) person claim under the benefits of this

section in relation to the same event, We will pay a maximum of

double the benefit limits specified.

3. In the event of a claim, You must provide Us with invoices and/or

receipts.

4. In respect of loss or delayed luggage, a copy of the property irregularity

report obtained from the airline must be supplied to Us together with

the following information:

(a) full details of the flight (airline, flight numbers, departure airport,

destination, scheduled flight times and arrival airport);

(b) full details of the delay or loss incurred; and

Exclusions under Travel Inconvenience Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 25)

Cover does not extend to any loss arising from:

1. confiscation or requisition by customs or other government authorities.

2. Your failure to take reasonable measures to save or recover lost

luggage.

3. Your failure to notify the relevant airline authorities of missing luggage

at the destination point or to obtain and complete a property

irregularity report.

4. luggage delay or extended luggage delay on Your arrival back in Your

Country of Residence.

Section (D) Medical Emergency Expenses Cover

Specific Definitions under Medical Emergency Expenses Cover

Manual Work means paid work which involves the installation, assembly,

maintenance or repair of electrical, mechanical or hydraulic plant (other

than in a purely managerial, supervisory, sales or administrative capacity).

It also means manual labour of any kind including, but not restricted to,

hands-on work as a plumber, electrician, lighting or sound technician,

carpenter, painter, decorator or builder.

Medical Emergency means an Injury, sudden and unforeseen illness, or

dental pain, suffered by You while on a Trip, which results in immediate

Treatment which cannot be delayed until Your return to Your Country of

Residence and is deemed necessary by a Doctor and Chubb Assistance.

Medical Emergency excludes Pre-Existing Medical Conditions.

Repatriation/Evacuation means Your:

1. transportation to the nearest hospital, if transportation is not provided

free of charge in the country of incident; or

2. evacuation to the nearest adequately equipped hospital in the event

that local medical facilities are deemed inadequate by Chubb

Assistance’s senior medical officer; or

3. repatriation directly to Your Country of Residence when

recommended by Chubb Assistance’s senior medical officer; or

4. return to Your Country of Residence after hospitalisation, provided

that You are deemed to be medically fit for travel by Chubb

Assistance’s senior medical officer, and that Your original means of

transportation cannot be used.

Cover

No claims arising from any Pre-existing Medical Conditions will be

covered.

1. In the event of a Medical Emergency

In the event of a Medical Emergency while You are on a Trip We will pay:

(a) for Your Repatriation/Evacuation if approved by Chubb Assistance’s

senior medical officer and following consultation with the attending

Doctor.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

(b) the cost of Treatment to meet Your immediate needs (except in the

event You are accidentally caught up in an act of Terrorism, where all

costs for Treatment and Repatriation/Evacuation will be limited to

$1,000,000 in total); and/or

(d) $75 per complete twenty-four (24) hours that You are hospitalised

as an in-patient whilst on a Trip up to a maximum of $5,000 to cover

incidental expenses.

(e) reasonable extra accommodation costs (room-only) up to $250 per

night for a maximum of ten (10) nights for You and any person who

stays or travels with You based on medical advice to extend Your stay

as agreed by Chubb Assistance.

(f) if You are travelling alone, We will pay the reasonable return economy

airfare and extra accommodation costs (room-only) for Your friend

or Close Relative to stay with You up to $250 per night for a maximum

of ten (10) nights as agreed by Chubb Assistance.

In the event of a Medical Emergency Chubb Assistance may:

(a) arrange and refer You to physicians, hospitals, clinics, private duty

nurses, dentists, dental clinics, pharmacies, ophthalmologists,

opticians and suppliers of contact lenses, ambulance and medical

aid equipment;

(b) organise Your admission to an appropriate hospital and guarantee and

advance medical expenses.

2. In the event of Your death

In the event of Your death while on a Trip, Chubb Assistance will organise

and arrange for Us to pay for:

(a) transportation of Your remains to Your Country of Residence; or

(b) cremation and subsequent transportation of Your remains to Your

Country of Residence; or

In an emergency:

You should contact Chubb Assistance as soon as an emergency

arises on +61 2 9335 3492 and provide Your American Express

Platinum Card number, as much information as possible and a

telephone or fax number where You can be contacted. REVERSE

CHARGE CALLS WILL BE ACCEPTED FROM OVERSEAS.

If Your medical condition prevents You from calling, someone else

should call on Your behalf, such as a relative, Your travelling

companion, nurse or Doctor.

If You do not call Chubb Assistance before seeking emergency

medical treatment, or You chose to seek treatment from a medical

service not approved by Chubb Assistance, You may be

responsible for Your medical expense costs (up to a maximum

of $25,000) to the extent that those medical expenses could

otherwise have been reduced through preferred medical providers

arranged by Chubb Assistance.

Terms and Conditions applicable to Medical Emergency

Expenses Cover

1. You must be under eighty (80) years of age.

2. We will not pay medical costs if you do not call Chubb Assistance

before seeking emergency medical treatment, or You chose to seek

treatment from a medical service provider not approved by Chubb

Assistance and We incur additional costs as a result. You may be

responsible for Your medical expense costs covered under this

insurance, to the extent of those additional costs, up to a maximum

of $25,000. You must contact Chubb Assistance as soon as a claim

or potential claim arises. You must contact Chubb Assistance before

incurring expenses or as soon as physically possible, to obtain prior

authorisation or this may jeopardise Your claim. For example, Chubb

and/or Chubb Assistance has negotiated special rates with certain

medical services providers and Chubb reserves the right to limit its

liability to the costs that would have been incurred, had You complied

with the claims notification provisions.

3. You must take all reasonable measures to avoid or minimise any claim

and avoid danger except in an attempt to save human life.

4. You must permit the Appointed Claims Handler any reasonable

examination into the cause and extent of loss and/or damage.

5. We will make every effort to apply the full range of services stated

in the terms and conditions. Remote geographical locations or

unforeseeable adverse local conditions may preclude the normal

standard of service being provided.

6. We do not provide any coverage and/or service in countries which are

officially under any embargo by the United Nations.

7. We will pay expenses associated with a Medical Emergency occurring

within the territorial waters of Australia only provided:

(a) no payment is incurred as a result of the rendering in Australia of

a professional service for which a Medicare benefit is or would be

payable in accordance with the

Health Insurance Act 1973

(Cth);

and

(b) no payment is incurred which would result in Us contravening the

Health Insurance Act 1973

(Cth) or the

Private Health Insurance

Act 2007

(Cth) or any succeeding legislation to those Acts.

Exclusions under Medical Emergency Expenses Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 25)

Cover does not extend to any loss arising from:

1. Your Pre-existing Medical Conditions.

2. Your participation in Excluded Sports and Activities.

3. Your participation in extreme sports where special equipment,

training and preparation are required.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

4. If You brought about the loss intentionally or through gross negligence

or attempt to deceive the Appointed Claims Handler, then We are not

liable for payment and/or service.

5. You engaging in Manual Work.

6. Costs related to dentures, crowns and orthodontics.

7. Costs You incur outside Your Country of Residence after the date

Chubb Assistance confirms that You should return to Your Country

of Residence.

8. Costs of Treatment performed by Close Relatives.

9. Coffins and/or urns which do not meet international airline standards

for transportation of mortal remains.

10. Sexually transmitted diseases.

11. HIV (Human Immunodeficiency Virus) and/or any HIV related illness

including AIDS (Acquired Immunodeficiency Syndrome) and/or any

mutant derivatives or variations thereof however caused.

12. Costs incurred in Your Country of Residence.

13. Claims arising from a Trip involving pre-planned Treatment, or for the

purpose of obtaining Treatment, and Treatment for cosmetic reasons

unless Chubb Assistance’s senior medical officer agrees that such

Treatment is necessary as a result of any covered accident.

14. Costs relating to an act of Terrorism where the Trip has been booked

or commenced following a travel advisory warning being issued for the

destination You planned to travel to. For the avoidance of doubt, this

means any travel advisory warning issued by the Department of

Foreign Affairs and Trade (DFAT) where the level of advice is

Reconsider Your need to Travel or Do Not Travel for the destination.

Visit: http://smartraveller.gov.au

Excess applicable to Medical Emergency Expenses Cover

$250 per claim

Section (E) Resumption of Journey Cover

Cover

1. Resumption of Journey Cover

In the event that You have to interrupt a Trip and return to Your Country

of Residence immediately following the death, imminent death, serious

accident or acute illness of a Close Relative (who is not more than ninety

(90) years of age) and then resume the Trip, We will pay for reasonable

extra expenses actually and necessarily incurred (less any refund received

for the unused prepaid travel accommodation arrangements) to complete

Your original travel arrangements (as stated in Your original itinerary) up

to $5,000.

Terms and Conditions applicable to Resumption of Journey Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 25)

We will only pay if:

1. You resume Your Trip within thirty (30) days of returning to Your

Country of Residence;

2. the Trip had not ended before Your return and there is at least a

fortnight, or twenty-five percent (25%) of the time, of the scheduled

Trip remaining (whichever is greater);

3. the death, imminent death, serious accident or acute illness of a Close

Relative occurred after You booked the Trip; and

4. the claim is not excluded elsewhere.

Exclusions under Resumption of Journey Cover

Cover does not extend to any loss arising from the death, imminent death,

serious accident or acute illness of any Close Relative who is more than

ninety (90) years of age.

Excess applicable to Resumption of Journey Cover

$250 per claim

Section (F) Baggage, Money and Documents Cover

Specific Definitions under Baggage, Money and Documents Cover

Money and Documents means currency, travellers cheques, hotel and

other redeemable holiday vouchers, petrol coupons, travel tickets,

passports, visas and driving licences.

Personal Baggage means items of necessity, ornament or personal

convenience for Your individual use during the Trip, including clothing and

personal effects worn or carried by You.

Secure Area means the locked dashboard, glove compartment, boot or

luggage compartment of a motor vehicle including the locked luggage

compartment of a hatchback or station wagon, the fixed storage units of a

motorised or towed caravan, or a locked luggage box locked to a roof rack

locked to the vehicle, providing that, in each case, all items are out of sight.

Valuables means jewellery, furs, articles containing precious metals or

precious stones, watches, binoculars, audio, photographic and video

equipment, personal organisers and games consoles, personal computers

and external computer devices (including all printers, modems, external

hard drives and similar).

Cover

1. Baggage, Money and Documents Cover

If during a Trip Your Personal Baggage or Money and Documents are

damaged, destroyed, lost or stolen and not recovered, We will reimburse

You up to $30,000 in total overall in any one (1) three hundred and

sixty-five (365) day period subject to the limits below:

• $5,000 for any one (1) item or any one (1) Pair or Set of items or

for Valuables;

• $1,000 for Money and Documents;

• $1,000 for any Smartphone;

• $3,000 for any one (1) laptop computer.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Terms and Conditions applicable to Baggage, Money and

Documents Cover

1. We will at Our discretion, pay You for the loss of, or replacement of,

or repair of the items concerned.

2. Payment will be based on the item’s current purchase price subject

to a deduction for wear and tear.

3. We will only be liable for the value of that part of a Pair or Set which has

been lost, stolen, damaged or destroyed. For example, if one earring is

stolen We will only pay 50% of the cost of replacement earrings.

4. If We ask, You must send to Us any damaged items and pay

for postage.

5. You must take sufficient precautions to secure the safety of all items,

and must not leave them unsecured or Unattended or outside Your

reach at any time in a Public Place.

6. Cover in respect of theft from an Unattended motor vehicle is subject

to the following:

(a) items must be locked out of sight in a Secure Area; and

(b) forcible or violent means must have been used by an unauthorised

person to gain entry to the vehicle; and

7. To support all claims You must supply the item’s original purchase

receipt or an alternative written or printed proof of the purchase price.

8. You must supply all original invoices, receipts and reports to the

Appointed Claims Handler ensuring that You keep a copy of the

documents sent.

9. Claims for loss, theft or criminal damage must be reported to the local

police, carrier, tour operator or accommodation manager and a written

report obtained within forty-eight (48) hours of the incident occurring.

10. Claims for damage of items in transit must be reported to the carrier

and a written report obtained within twenty-four (24) hours of You

receiving Your Personal Baggage.

Exclusions applicable to Baggage, Money and Documents Cover

Cover does not extend to any loss of or arising from:

1. items loaned, hired or entrusted to You.

2. items left Unattended in a Public Place.

3. Valuables from an Unattended motor vehicle.

4. Valuables from checked baggage.

5. electrical or mechanical breakdown of items.

6. wear and tear, moth, vermin, denting, scratching or any process

of dyeing or cleaning.

7. confiscation or destruction by order of any government or public

authority.

8. damage to fragile or brittle items unless caused by fire or resulting

from an accident to an aircraft, sea vessel or motor vehicle.

9. damage to sports gear and activity equipment while in use.

10. in respect to a pair or set of items, we will only be liable for the value

of that part of the Pair or Set which has been lost, stolen, damaged

or destroyed.

11. shortages, errors, omissions, depreciation in value in respect of

Money and Documents.

12. loss from hotel rooms unless evidence is available of forcible or violent

means used to gain entry to the room.

13. animals or plant life, antiques and historical artefacts, boats or canoes

and their ancillary equipment, bonds, securities, stamps, coupons,

vouchers or documents of any kind other than those within the

definition of Money and Documents, business goods or specialised

equipment relating to a trade or profession, china, consumable or

perishable items, contact or corneal lenses, dentures, glass, hearing

aids, keys, musical instruments, motor vehicles or accessories, pedal

cycles, pictures, photos.

Excess applicable to Baggage, Money and Documents Cover

$250 per claim

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Section (G) Travel Cancellation Cover

Specific Definitions under Travel Cancellation Cover

Cancellation means You do not commence Your Trip at all.

Curtailment means You have commenced Your Trip and You have had

to return to Your Country of Residence early.

Natural Disaster means volcanic eruption, flood (more than 20,000

square metres of normally dry land), tsunami, earthquake, landslide,

hurricane, tornado or wildfire.

Special Event means a wedding, funeral, pre-paid conference, pre-paid

sporting event or pre-paid concert or other event which does not ordinarily

occur on a regular basis.

Trip Change means where You have to make changes to Your planned

Trip, but do not have to return any earlier than intended.

Travel Disruption means the necessary, unavoidable and unforeseen Trip

Change, Cancellation or Curtailment of a Trip due to the following causes:

1. You, or a person travelling with You, or a person You are visiting for the

main purpose of Your Trip, having an accident, suffering an unforeseen

illness or dying before or during Your Trip.

2. Your Close Relative, or a Close Relative of a person travelling with You,

or a Close Relative of a person You are visiting for the main purpose of

Your Trip, where in all cases the Close Relative is not more than ninety

(90) years of age, having an accident, suffering an unforeseen illness

or dying before or during Your Trip.

3. Your redundancy which qualifies for redundancy payments under

current legislation.

4. You being called for jury service or being subpoenaed as a witness

other than in a professional or advisory capacity.

5. You being required by the police or an authority to be present at Your

home or place of business in Your Country of Residence following

burglary, or local major damage such as flood at Your home or place

of business in Your Country of Residence.

6. a Special Event You were attending has been cancelled, or postponed,

due to unforeseen circumstances outside Your control.

7. a delay of more than 24 hours, or the reduction in the length of Your

Trip by at least 25%, on the first leg of Your Trip, whichever is the

greater, as a result of industrial action, adverse weather, mechanical

breakdown of public transport, or a transportation accident which

means that You no longer want to go on Your Trip.

8. a Natural Disaster has caused devastation to the area You were

intending to travel, or at Your usual residence in Your Country

of Residence.

9. the Australian Government (DFAT – Department of Trade and Foreign

Affairs) have issued, or upgraded a travel warning to “advise against

all travel” to the area You were intending to travel, and this was

unforeseen at the time of booking.

Cover

1. In the event of Travel Disruption

In the event of Travel Disruption, We will pay:

(a) non-refundable deposits;

(b) pre-paid excursion costs;

is the lesser;

(d) unused travel and accommodation costs that You have paid or are

contractually obliged to pay;

(e) any other reasonable additional expenses incurred limited to $5,000;

(f) the retail price for any ticket (or part thereof) of a Licensed Airplane,

Ship or Bus ticket purchased using American Express Membership

Rewards or similar reward points or Travel Benefit if that ticket is

subsequently cancelled as a result of Travel Disruption and the loss

of such points cannot be recovered from any other source;

(g) up to $30,000.

2. Special Event

In the event Your Trip is delayed due to an unforeseeable circumstance

outside Your control and as a result You would be unable to arrive in time

for a Special Event, which cannot be delayed due to Your late arrival,

We will pay reasonable additional expenses up to a maximum of $5,000

for the cost of alternative public transport to arrive at the Special Event

in time.

Exclusions applicable to Travel Cancellation Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 25)

Cover does not extend to any loss arising from:

1. Pre-existing Medical Conditions.

2. Cancellation due to the death, Accidental Injury, Sickness or Disease

of any Close Relative who is more than ninety (90) years of age.

3. Additional costs incurred due to Your failure to notify the carrier or

travel agent immediately that Your Trip is to be cancelled or curtailed.

4. Your failure to hold or obtain a valid passport, visa, or other required

documentation prior to commencing Your Trip.

5. Your failure to check-in at the required time for any flight, sea crossing

or train journey.

6. Cancellation caused by Your work commitments, or amendment of

Your entitlement by Your employer, unless You are a member of the

Australian Armed Services or Police Force and the expense or cost

was incurred as a result of Your leave being revoked.

7. Travel or accommodation for, or in respect of, anyone other than a

person falling within the definition of Primary Card Member.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

8. Costs incurred in respect of any Medical Condition where You are

unable to supply a medical certificate from the appropriate Doctor

confirming cancellation was necessary and unavoidable. Medical

certificates must be provided at Your own cost.

9. You or any other person deciding not to continue Your Trip or changing

Your plans.

10. Your financial circumstances or any contractual or business

obligation.

11. The failure of Your travel agent to pass on monies to operators or

to deliver promised services.

12. A cancellation due to a lack in the number of persons required

to commence any tour, conference, accommodation or travel

arrangements or due to the negligence of a wholesaler or operator.

13. Any government regulation, prohibition or restriction.

14. Circumstances known to You prior to the booking of the Trip.

15. Circumstances known to You when You applied for Your

American Express Platinum Card.

Excess applicable to Travel Cancellation Cover

$250 per claim

Section (H) Personal Liability Cover

Cover

1. Personal Liability Cover

If during Your Trip, You become liable to pay damages for Injury to any

person, or accidental loss or damage to property, We will pay costs up

to $3,000,000:

(a) that are recoverable from You;

(b) that are incurred with Our consent;

inquiry or in a court of summary jurisdiction.

We will only pay $3,000,000 for damages or costs arising directly or

indirectly from one (1) cause.

Terms and Conditions applicable to Personal Liability Cover

1. You must not admit liability, negotiate, make any promise, payment

or settlement without Our written consent. You must as soon as You

receive them, send Us every letter, claim, writ, summons, process,

notice of any prosecution or inquest that relates to, or may give rise

to, liability.

2. We may at any time make full and final settlement of any claim.

If We do so, We will have no further liability in respect of such event

or events except for the payment of costs and expenses incurred prior

to the date of settlement.

Exclusions under Personal Liability Cover

Cover does not extend to:

1. Injury to any person who is a member of Your family or under a

contract of service or apprenticeship with You.

2. Loss of or damage to any material property belonging to You, or in

Your care, custody or control, or belonging to a member of Your family,

or anyone under a contract of service or apprenticeship with You. This

does not apply to loss of or damage to buildings and their contents

temporarily occupied by You during a Trip.

3. Liability You incur under a contract or agreement which would not

have existed in law in the absence of such contract or agreement.

4. Injury or loss of or damage to material property arising directly or

indirectly out of the ownership, possession, control or use by You

or on Your behalf of:

(a) mechanically propelled vehicles, aircraft, hovercraft or watercraft

(other than non-mechanically propelled watercraft less than ten

(10) metres in length);

(b) firearms;

5. injury or loss of or damage to material property arising directly or

indirectly from:

(a) the ownership possession or occupation of land, immobile

property or caravans other than as temporary accommodation

in the course of a Trip;

(b) the carrying on of any trade, business or profession.

6. liability arising directly or indirectly from Special Sports.

Section (I) Loss Of Income Cover

Specific Definitions under Loss of Income Cover

Monthly Salary means:

1. for an employed person: all items of remuneration including salary,

bonuses, commission and the like paid every calendar month; or

2. for a self-employed person: monthly pre-tax income derived from

personal exertion, after deduction of all expenses incurred in

connection with the derivation of that income, averaged over the

period of twelve (12) months immediately preceding the loss of

income or over such shorter period as they have been self-employed.

Temporary Total Disablement means the temporary inability of You to

engage in Your usual occupation or business duties, while You are under

the regular care of and acting in accordance with the instructions or advice

of a Doctor. If self-employed, Temporary Total Disablement must prevent

You from helping, managing or carrying out any part of the day-to-day

running of a business.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Cover

1. Temporary Total Disablement – Loss of Income Cover

If You are employed or self-employed and, during the course of a Trip, You

suffer an illness, or have an accident resulting in an Injury, which leads to

Temporary Total Disablement and results in a loss of income lasting for

thirty (30) days or longer, We will pay Your Monthly Salary up to:

(a) a maximum of $3,000 per month; and

(b) a maximum of $12,000 in total in respect of one illness or Injury.

Terms and Conditions applicable to Loss of Income Cover

1. You must see a Doctor. The first day of Your Temporary Total

Disablement is the date from which Your Doctor confirms You

were unable to work.

2. You must provide Us with a Doctor’s certificate confirming Your

continuing Temporary Total Disablement at the end of the first thirty

(30) days and after every subsequent thirty (30) day period or

whenever We request it. Medical certificates must be provided at

Your cost.

3. We will pay one (1) monthly benefit on or after the thirty-first (31st)

day and continue to pay for each complete calendar month, or until

You are no longer suffering Temporary Total Disablement. We will pay

up to $12,000 in the aggregate for any one (1) illness or Injury.

4. After the first thirty (30) days of Temporary Total Disablement, if

Temporary Total Disablement is less than a complete calendar month,

We will pay a benefit of one-thirtieth (1/30th) of the monthly benefit

for each subsequent day of Temporary Total Disablement.

5. In the event of claims for separate periods of Temporary Total

Disablement resulting from the same or different conditions or

causes, We will only pay a Temporary Total Disablement monthly

benefit if You have been in employment or self-employed and engaged

in Your usual employment duties for ninety (90) consecutive days

between each period of Temporary Total Disablement. We will pay up

to $12,000 in the aggregate for any one (1) illness or Injury.

6. If two (2) periods of Temporary Total Disablement resulting from the

same condition or cause are separated by less than ninety (90) days,

We will treat this as one (1) claim. Therefore the first thirty (30) days

will not apply to the second period of Temporary Total Disablement.

However, We will not pay for any days when You did not suffer

Temporar y Total Disablement.

Section (J) Hijack Cover

Specific Definitions under Hijack Cover

Hijack means, whilst You are on a Licensed Airplane, Ship or Bus Trip,

the unlawful seizure of or wrongful exercise of control of the aircraft or

other Licensed Airplane, Ship or Bus in which You are travelling, or the

crew thereof.

Cover

1. In the event of Hijacking

In the event of Your Licensed Airplane, Ship or Bus being subjected to

Hijack during Your Trip and You being detained as a result of such Hijack

for a period in excess of twenty-four (24) hours, We will, for a maximum of

thirteen (13) days, pay the costs for Your Close Relatives to travel to and

stay at the place of the Hijack, up to a maximum of:

(a) $2,000 in total for every twenty-four (24) hours You are held captive;

and

(b) an aggregate maximum of $28,000 in total for Your Close Relatives

per occurrence.

2. In the event of Your Accidental Death as a result of Hijacking

In the event of Your accidental death as a result of an Injury sustained

during a Hijack, We will pay $400,000 under Section (A) Transport

Accident Cover.

Terms and Conditions applicable to Hijack Cover

1. Claims under this section shall be calculated from the actual time of

Hijack.

2. If You die as a result of an Injury sustained during a Hijack, We will only

make one (1) payment in respect of Your death, such payment being

equal to the highest benefit amount payable under any American

Express Australia card insurance cover provided by Us in relation to

Your death.

Section (K) Kidnap Cover

Specific Definitions under Kidnap Cover

Kidnap means the illegal taking, seizing or detaining by force and holding

of You in captivity for the purpose of demanding payment of monies to

secure Your release.

Cover

1. In the event of Kidnap

If whilst on a Trip You are Kidnapped, We will, for a maximum of thirteen

(13) days, pay the costs for Your Close Relatives to travel to and stay at the

place of the Kidnap up to a maximum of:

(a) $2,000 in total per every twenty-four (24) hours You are held captive;

and

(b) an aggregate maximum of $28,000 per occurrence.

Terms and Conditions applicable to Kidnap Cover

1. You must take all reasonable precautions to protect the confidentiality

of this cover.

2. We will not act as Your negotiator or intermediary or advise You or any

person in dealing with the kidnappers.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Section (L) Purchase Protection Cover

Cover

1. Loss, theft or damage of Eligible Items

Following the loss, theft or damage to an Eligible Item within ninety (90)

days of purchase, We will repair the Eligible Item or reimburse You with the

replacement amount not exceeding the original Purchase Price of the

Eligible Item.

We will pay You up to:

(a) $30,000 in any one (1) three hundred and sixty-five (365) day period;

(b) $3,500 per event.

Terms and Conditions applicable to Purchase Protection Cover

1. If an Eligible Item has been partially paid for with Your

American Express Platinum Card, then We will only pay such

percentage of the purchase price that was paid with Your

American Express Platinum Card.

2. Claims made for an Eligible Item belonging to a Pair or Set will be paid

to You up to the full Purchase Price of the Pair or Set, provided the

items are not useable individually and cannot be replaced.

3. Eligible Items which are left Unattended in a Public Place and which

are not subsequently recovered shall not constitute theft.

4. If You purchase the Eligible Item as a gift for someone else, You may

request for Us to pay a valid claim directly to the recipient of the gift.

5. In the event of a claim You must provide Us with copies of invoices

and/or receipts relating to the Eligible Item verifying the items were

charged to Your American Express Platinum Card and, upon request,

You must also provide Us with the damaged Eligible Item or receipt as

proof of mailing/shipping.

Exclusions under Purchase Protection Cover

Cover does not extend to:

1. damage to Eligible Items physically abused by You or the recipient

of a gift.

2. Lost or stolen Eligible Items not reported to the police within

forty-eight (48) hours of discovery of the loss and where a written

police report has not been obtained.

3. Eligible Items which are left Unattended in a Public Place.

4. normal wear and tear to Eligible Items.

5. damage to Eligible Items caused by product defects.

6. theft of or damage to Eligible Items in a vehicle.

7. theft of or damage to jewellery, watches, precious metals and

gemstones in baggage unless carried by hand and under Your

personal supervision or under the supervision of a travelling

companion previously known to You.

8. theft of or damage to cash, its equivalents, travellers cheques, tickets

or negotiable instruments.

9. theft of or damage to animals, living plants, perishable goods.

10. theft of or damage to electronic items and equipment, including but

not limited to, personal stereos, MP3 players, iPods or equivalents,

computers/laptops or computer-related equipment (and software),

PDAs and Smartphones and their accessories, whilst at Your place

of employment.

Excess applicable to Purchase Protection Cover

$50 per claim

Section (M) Refund Protection Cover

Cover

1. Refund protection of unused Eligible Items

If, within ninety (90) days of the date of purchase, You try to return an

unused Eligible Item to the Retailer and the Retailer will not take it back,

You can return it to Us and We will reimburse You with an amount not

exceeding the Purchase Price.

We will pay:

(a) up to $1,000 per Eligible Item; and

(b) no more than $5,000 in total in any three hundred and sixty-five (365)

day period.

Terms and Conditions applicable to Refund Protection Cover

In the event of a claim, You must provide to Us copies of invoices and/or

receipts relating to the Eligible Item verifying the items were charged to

Your American Express Platinum Card. Upon request, You must also

provide Us with the unused Eligible Item or receipt as proof of

mailing/shipping.

Exclusions under Refund Protection Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 25)

Cover does not extend to:

1. Eligible Items that are faulty.

2. Eligible Items with a Purchase Price of $50 or less.

3. Eligible Items purchased from the Retailer where the Retailer has an

established return policy which provides the same or a better benefit

than this benefit.

4. Eligible Items that can be returned to the Retailer in accordance with

rights provided by existing legislation.

5. jewellery; precious stones; rare and precious coins or stamps, one-

of-a-kind items including antiques, artwork and furs, cash or its

equivalents, travellers’ cheques, tickets or negotiable instruments,

services, including services ancillary to Eligible Items, PDAs,

Smartphones or their accessories, recorded media (including but

not limited to CDs, DVDs, computer software, video and audio tapes);

books; animals and living plants; consumable and perishable goods;

healthcare items; used or rebuilt and refurbished items; closing down

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

sale items; motorised vehicles and their parts; land and buildings;

items permanently affixed to home, office or vehicles.

Excess applicable to Refund Protection Cover

Nil.

Section (N) Buyer’s Advantage Cover

Specific Definitions under Buyer’s Advantage Cover

Buyer’s Advantage Period means:

1. in the case of an Original Warranty of one (1) year or less, a period

of the same length as that Original Warranty; or

2. in the case of an Original Warranty of between one (1) and five (5)

years, a period of one (1) year.

Eligible Product(s) means a product which:

1. is purchased by You in full using Your American Express Platinum

Card;

2. is purchased new (i.e. it must not have been used in any way prior

to the time of purchase);

3. is purchased with an original manufacturer’s serial number;

4. is covered under an Original Warranty;

5. is only used wholly for personal, domestic or non-commercial

purposes;

6. is not within the Excluded Products list; and

7. has a purchase price of less than or equal to $20,000 (including GST).

Excluded Product(s) are:

1. boats, automobiles, motor boats, airplanes and any other motorised

vehicles and their integral parts;

2. any toys and games of any description including but not limited

to computerised, mechanical or electronic toys and games;

3. real property or movable fixtures or fittings which are intended

to become part of a real property purchase;

4. products with a manufacturer’s warranty that exceeds five (5) years.

Original Warranty means a manufacturer’s written warranty that

does not exceed five (5) years and is applicable within Australia to the

Eligible Product.

Cover

1. Buyer’s Advantage Cover

You will receive cover for the breakdown or defect of Eligible Product(s)

purchased by You using Your American Express Platinum Card provided

that such breakdown or defect would have been covered by the Original

Warranty and occurs between the date that the Original Warranty expired

and the end of the Buyer’s Advantage Period (see table below).

Where the

Original

Warranty

Period is:

The Buyer’s Advantage Period is:

7 days

7 days commencing at the end of the Original Warranty

Period

14 days

14 days commencing at the end of the Original Warranty

Period

1 month

1 month commencing at the end of the Original Warranty

Period

1–5 years

1 year commencing at the end of the Original Warranty

Period

5+ years No Cover

We may at Our option:

1. repair, rebuild or replace the Eligible Product; or

2. pay the reasonable costs to repair, rebuild, or replace the Eligible

Product; or

3. pay the actual purchase price (including GST) of the Eligible

Product(s) charged to the American Express Platinum Card ; and the

maximum amount We will pay for all claims by You in any twelve (12)

month period is $20,000 (including GST).

You must keep a copy of the Original Warranty, the sales receipt and

American Express Platinum Card statement showing purchases of any

Eligible Product(s) as You will need to provide these when making any

claim.

Exclusions under Buyer’s Advantage Cover

Buyer’s Advantage does not cover:

1. any loss or damage caused by a failure to take reasonable care

to protect and maintain an Eligible Product against loss or damage

or mitigate any loss or damage to an Eligible Product.

2. any costs other than for parts and or labour costs resulting from

a covered breakdown or defect;

3. any obligations, costs or losses beyond those set out in the Original

Warranty;

4. any payments, costs, expenses or claims for bodily injury, property

damage, consequential loss or damage, loss of profit, punitive

damages or legal costs associated in any way with an Eligible Product;

5. any repair or rebuilding undertaken other than by Chubb or its

authorised representatives;

6. any Excluded Product(s).

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Making a claim under Buyer’s Advantage Cover

You must:

1. provide a copy of the Original Warranty to Us.

2. provide a detailed explanation and proof of breakdown and defects

to Us, including sales receipt and Your American Express Platinum

Card statement showing the purchase and any other documentation

necessary to support Your claim.

3. disclose to Us details of any other insurance cover under which

You may be entitled to claim.

4. retain the Eligible Product(s) for inspection by Us or Our authorised

representative.

5. give Chubb all necessary information and assistance We reasonably

require to institute proceedings against other parties for the purpose

of enforcing any rights or remedies to which it shall or would become

entitled or subrogated upon it making good any loss or damage under

this Policy.

Section (O) Smartphone Screen Cover

Specific Definitions under Smartphone Screen Cover

Purchase or Purchased means:

1. Smartphones paid for outright in a single transaction using

Your American Express Platinum Card (including through the

redemption of American Express Membership Rewards points); or

2. Smartphones paid for on a monthly contract using Your

American Express Platinum Card.

SIM Only Plan means: an ongoing monthly contract which you are

contracted to for a minimum 12-month term, for the provision of data,

calls and texts, paid for using Your American Express Platinum Card,

which is utilised on a Smartphone owned by You.

SIM Only Plan does not mean: month-to-month contracts, ‘no lock-in

contracts’, pre-paid, top up or add-on plans or purchases.

Smartphones utilising Your SIM Only Plan are restricted to a maximum

age of three (3) years.

Cover

1. Smartphone Screen Cover

You are eligible to receive reimbursement of the repair cost up to $500

each time Your Smartphone Purchased with Your American Express

Platinum Card suffers front screen breakage resulting from an accidental

drop or impact, whilst Your American Express Platinum Card is active.

Reimbursement is restricted to two (2) eligible claims in any one (1)

twelve (12) month period.

Exclusions under Smartphone Screen Cover

(Please also refer to the General Terms and Conditions applicable

to All Sections A–P on page 25)

Cover does not extend to:

1. replacement of any other parts of the Smartphone other than the

glass or plastic screen unless the manufacturer’s authorised process

determines a replacement by way of a like for like refurbished

Smartphone of the exact model

2. Smartphone screen breakage resulting from:

(a) any process of cleaning, servicing, inspection, maintenance,

adjustment or repair;

(b) breach of the manufacturer’s operating or guidance instructions;

damage that cannot be attributed to a single incident;

(d) corrosion, rust, condensation or evaporation, dampness, dust or

change in temperature, unless directly attributed to sudden and

unforeseen Damage;

(e) any wilful act, misuse or negligent use of the equipment by You or

anyone authorised by You to use the equipment;

(f) any unlawful act committed or attempted by You or by anyone

authorised by You to use the equipment; and

(g) any competitive sports activity.

3. events occurring within the thirty (30) day waiting period. The waiting

period commences when the first payment has been made on Your

American Express Platinum Card after You have switched Your

monthly payment method for Your Smartphone monthly contract or

SIM Only plan from an alternative provider to Your American Express

Platinum Card;

4. Smartphones of three (3) years of age and older at the time of the

Smartphone screen breakage – for SIM Only plans;

5. Smartphones You cannot adequately substantiate belong to You.

Excess applicable to Smartphone Screen Cover

10% of the repair cost

Making a claim under Smartphone Screen Cover

You must:

1. notify Us of damage by submitting a claim online at

www.americanexpress.com/australia/claims

2. following notification, seek repair of the Smartphone from a repairer

of your choice

3. submit a claim form with the following documents:

a) receipts of the repair;

b) copy of your American Express Platinum Card statement(s)

showing the Purchase of your Smartphone or;

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

c) copy of Your contract showing the Smartphone belongs to You and

d) for SIM Only Plans a copy of:

i. the 12 month contract

ii. Your Smartphone receipt proving it is less than 3 years old.

Section (P) Loss Damage Waiver Cover

Specific Definitions under Loss Damage Waiver Cover

Covered Rental Trip means a journey that commences and ends in Your

Country of Residence and includes the hire of a Rental Vehicle, where the

period of hire shown in the Rental Agreement is thirty-one (31) days or

less, of which the entire cost has been charged to Your American Express

Platinum Card.

Deductible means the amount payable by You for each and every claim

when You have not purchased the collision insurance proposed by the

Rental Company.

Geographical Scope means worldwide, including country of domicile,

provided the rental takes place further than one hundred and fifty (150)

kilometres from the permanent or temporary place of residence You are

currently residing in.

Rental Agreement means the contract of hire between the Rental

Company and You.

Rental Company means a company or agency that is fully licensed with

the regulatory authority of the Country, state or local authority where the

Rental Vehicle is collected.

Rental Vehicle means any automobile rented under a Rental Agreement

on a daily or weekly basis from a Rental Company within the Geographical

Scope and which is also collected from and returned to the Rental

Company within the Geographical Scope of this cover.

Cover

We will pay any amounts You are responsible for under the Rental

Agreement, including the Deductible, if loss is incurred during a Covered

Rental Trip, as a result of accidental damage, fire, vandalism, theft or loss

of use of the Rental Vehicle. This will apply whether You are responsible or

not for the accident.

We will pay You up to:

2. $125,000; or

3. the value of the Rental Vehicle; or

4. the value of the claim;

whichever is the lesser.

We will pay the above in respect of any one (1) accident or occurrence and

a maximum two (2) claims per three hundred and sixty-five (365) days.

Terms and Conditions applicable to Loss Damage Waiver Cover

1. You must be aged twenty-one (21) or over and up to seventy-five (75)

years of age in order to claim under this benefit.

2. Cover will take effect from the time You take legal control of the Rental

Vehicle and will cease at the time the Rental Company assumes control

of the Rental Vehicle whether at its business location or elsewhere.

3. Claims will not be paid in respect of expenses to the extent that they

are assumed, waived or paid by the Rental Company or its insurers.

4. No amount payable under this cover shall carry interest unless

payment has been unreasonably delayed following Our receipt of all

the required information, documents or other evidence necessary to

support the claim.

5. Losses will not be paid in respect of any property or expenses insured

under another policy or any claim which should be recoverable under

any other insurance.

6. Except with Our written consent, You are not entitled to admit liability

or to give any representations binding upon You. We shall be entitled

to the absolute conduct, control and settlement of all proceedings

arising out of or in connection with claims in Your name.

7. We may at Our own expense take proceedings in Your name to recover

compensation from any third party (subject to any restrictions

imposed at law, including under the

Insurance Contracts Act 1984

(Cth)) in respect of any indemnity provided under this cover and any

amounts so recovered shall belong to Us and You shall provide all

reasonable assistance to Us.

Exclusions under Loss Damage Waiver Cover

(Please also refer to the General Terms and Conditions applicable

to all Sections A–P on page 24)

We will not cover loss of or arising from:

1. the rental of trailers, caravans, trucks, motorcycles, mopeds,

motorbikes or motor homes.

2. use of the Rental Vehicle in, or in training for, racing competitions,

trials, rallies or speed testing.

3. operation of the Rental Vehicle in violation of the terms of the

Rental Agreement.

4. driving by persons who do not have a valid driving licence or anyone

under the age of twenty one (21) or over the age of seventy-five (75)

years, or anyone who is not an Insured Person.

5. damage sustained whilst driving on an un-sealed or private road.

6. Rental Vehicles with a retail purchase price in excess of $125,000

or vehicles over twenty (20) years old.

Making a claim under Loss Damage Waiver Cover

You must supply:

1. Your American Express Platinum Card number, Rental Agreement and

accident report; and.

2. all Your original invoices, receipts, and reports and any other

documentation necessary to support Your claim.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

6. General Terms and Conditions Applicable to All Sections

A–P above

General Exclusions

We will not cover losses under any sections of these Terms and Conditions

which are recoverable from any other source, or arising from:

1. Pre-existing Medical Conditions;

2. any Trip that is longer than one hundred and eighty (180) days;

3. any Trip once You have travelled in excess of one hundred and

eighty-three (183) days during Your American Express Platinum

Membership year;

4. conduct which has been impaired by Your consumption of alcohol or

drugs (other than drugs prescribed and taken in accordance with

medical advice);

5. Your intentionally self-inflicted injury, suicide, self-destruction or any

attempt thereof;

6. travel into hazardous work sites (e.g. underwater, mines, construction

sites, oilrigs, etc.);

7. any loss or expense with respect to Cuba or a specially designated

person, entity, group or company on the Specially Designated List or

which if reimbursed or paid by Us would result in Us being in breach of

trade or economic sanctions or other such similar laws or regulations;

8. declared or undeclared war or any act thereof; however, any act

committed by an agent of any government, party or faction engaged

in war, hostilities or other warlike operations provided such agent is

acting secretly and not in connection with any operation of armed

forces (whether military, naval, or air forces) in the country where

the injury occurs shall not be deemed an act of war;

9. service in the military, naval or air service of any country;

10. participation in any military, police or fire-fighting activity;

11. activities undertaken as an operator or crew member of any

conveyance;

12. flying in military aircraft or any aircraft which requires special permits

or waivers;

13. commission of or attempt to commit an illegal act by or on behalf of

You or Your beneficiaries;

14. direct or indirect, actual, alleged or threatened discharge, dispersal,

seepage, migration, escape, release of or exposure to any hazardous

biological, chemical, nuclear or radioactive material, gas, matter or

contamination;

15. the refusal, failure or inability of any person, company or organisation,

including but not limited to a travel agent, tour operator,

accommodation provider, airline or other carrier, vehicle rental agency

or any other travel or tourism services provider to provide services or

accommodation due to their Insolvency or the Insolvency of any

person, company or organisation they deal with;

16. an act of Terrorism except when such event occurs under the cover

in Section (A) Transport Accident Cover, Section (D) Medical

Emergency Expenses Cover, Section (J) Hijack Cover or Section (K)

Kidnap Cover of these Terms and Conditions.

17. any condition that results in a fear of flying or travel-related phobias.

General Conditions

1. You must not agree to limit or exclude any right of recovery You may

have against a third party for loss, damage or liability that is or may

be subject to a claim under this cover. You agree that We have the

right to pursue Your rights of recovery against a third party (where

permitted by law) for loss, damage or liability that is or is likely to be

subject to a claim under this cover and You must do everything

reasonably necessary to assist Us to do so.

2. If You make a claim under this cover, You must provide Us with details

of all other insurances that You are aware of that may cover the loss,

damage or liability that is subject to the claim.

3. No amount payable under this cover shall carry interest unless

payment has been unreasonably delayed following Our receipt of

all the required information, documents or other evidence necessary

to support the claim.

7. Platinum Assistance Services

Section (Q) Legal Assistance

Cover

1. Referrals and Advance of Lawyers’ Fees

Chubb Assistance will provide You with the name, address and telephone

number of a local lawyer. Wherever Chubb Assistance has sufficient

information to do so, it will refer You to two or more lawyers. Although

the final selection of a lawyer will be the responsibility of You, Chubb

Assistance guarantees that any lawyer to whom it refers You will be

admitted to practice in accordance with the laws of the relevant

jurisdiction, be of good repute and not have been the subject of any

reprimand or malpractice proceedings. Chubb Assistance will advance

emergency funds to You to pay for fees and costs associated with such

representation, up to US$10,000. This amount will be billed to Your

American Express Platinum Card within thirty (30) days from the date

of advance of the legal fees.

2. Advance of Bail Bond

Chubb Assistance will attempt to secure and properly post, where

possible, bail bonds for You, up to US$10,000, for incarceration

occasioned as a result of a traffic accident or an administrative

complication. The bond cost is to be borne in full by You and will be

billed to Your American Express Platinum Card within thirty (30) days

from the date of posting of the bond, for repayment.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Terms and Conditions applicable to Legal Assistance services

1. The total advance for legal services and bail bonds is limited to

US$10,000 per incident.

2. If You do not attend the court hearing at the arranged date, Chubb

Assistance may launch immediate action to recover the loss of the

bail bond and pursue You for immediate repayment.

Section (R) Roadside Assistance

Available within Tasmania and mainland Australia only

Specific Definitions under Roadside Assistance services

Covered Vehicle means a vehicle that is classified as a private car, minibus,

light passenger van, estate car or 4 x 4 sport utility vehicle, is less than

eight (8) years old, is in good operating condition, is registered, insured

and owned in Australia, and is driven in Australia by or a driver employed

by You, at the time of the event requiring roadside assistance services.

Vehicles are not covered if they:

(a) are being used for hire or reward;

(b) exceed (including any load carried) the following gross vehicle weight

and dimensions: 2,000 kg in weight; 7 metres in length; 3 metres in

height; 2.25 metres in width; or

sessions for such events.

Cover

1. Roadside Assistance

If a Covered Vehicle is immobilised or rendered unroadworthy during a

Trip as a result of accidental damage or breakdown, and You contact

Chubb Assistance, Chubb Assistance will arrange and pay up to $200 for:

(a) on-the-spot roadside assistance, including the call-out charge, labour

for minor roadside repairs, up to a maximum of ten (10) litres of fuel

(if needed), but excluding any spare parts; or

(b) towing (valid only when the vehicle is travelling along trafficable

gazetted roads) to the nearest suitable repairer. A garage or specialist

undertaking repair work, other than at the roadside, will be acting as

Your agent for such repair work.

2. Replacement Vehicle

If a Covered Vehicle is immobilised or rendered unroadworthy as a result

of accidental damage or breakdown during a Trip, and repairs cannot be

effected within 48 hours (excluding Sundays and Public Holidays), Chubb

Assistance will arrange and pay for the rental of a Category 3 vehicle from

an independent car rental company nominated by Chubb Assistance, for

use for a maximum of three (3) consecutive days by You, providing towing

of the Covered Vehicle to the workshop has been arranged by Chubb

Assistance. The make and model of the rented vehicle are at the discretion

of Chubb Assistance. Only You will be registered as the driver of the rented

vehicle. You will be responsible for costs of insurance cover, fuel, excess

waivers, and other requirements installed by the rental company. You are

required to return the rented vehicle to the address designated by the

rental company, or pay the cost of collection or delivery.

3. Return of You and Passenger/s to Your Usual Place of Residence

(a) Less than 50 km from Your usual place of residence

If the immobilised Covered Vehicle is towed to a repair workshop less

than 50 km from Your usual place of residence, Chubb Assistance will

arrange and pay for the transportation of You and up to four

passengers back to Your usual place of residence.

(b) More than 50 km from Your usual place of residence

If the immobilised Covered Vehicle is towed to a repair workshop more

than 50 km from Your usual place of residence, Chubb Assistance will

arrange and pay expenses up to $400 or 400 km, whichever is less,

for the transportation of You and up to four passengers back to Your

usual place of residence.

4. Return or Collection of Vehicle after Repair

(a) Less than 50 km from Your usual place of residence

If a Covered Vehicle is to be retrieved from a repair workshop

located less than 50 km from Your usual place of residence, Chubb

Assistance will arrange a convenient time, book and pay for a taxi

to take You to the workshop to retrieve Your Covered Vehicle.

(b) More than 50 km from Your usual place of residence

If a Covered Vehicle is to be retrieved from a repair workshop

located more than 50 km from Your usual place of residence,

Chubb Assistance will arrange and pay for the Covered Vehicle to

be delivered by a registered transporter to a depot near Your usual

place of residence. Providing the depot is located within 50 km

from Your usual place of residence, Chubb Assistance will arrange

a convenient time (but limiting consequential expenses such as

parking charges at the depot), book and pay for a taxi to take

You to the workshop to retrieve Your Covered Vehicle.

Terms and Conditions applicable to Roadside Assistance services

1. Roadside assistance and/or towing services for vehicles located at

Your residence are not covered, unless You wish to bear the associated

costs.

2. The following costs will be Your responsibility:

(a) any labour costs not incurred at the roadside; and

(b) the cost of replacement parts or other materials.

3. The cover will cease automatically should any governmental authority

impound the Covered Vehicle.

4. In case of accident, Chubb Assistance will arrange towing of the

Covered Vehicle and bear the cost of such towing within the limits

described herein. However, if Your insurance company covers the

cost of such towing, Chubb Assistance has the prerogative of either

charging such costs directly to the said insurance company or

charging You directly.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

5. Once Chubb Assistance has been called, it is vital that Your Covered

Vehicle is attended by You. Should Chubb Assistance arrive at the

Covered Vehicle, and it is Unattended, then work cannot be carried

out and payment may be required for any subsequent calls-outs to

assist with the incident.

6. If Chubb Assistance arranges for temporary roadside repairs to

be carried out to the Covered Vehicle, You are required to then

immediately arrange for any permanent repairs that may be necessary.

7. You must ensure that any driver of the Covered Vehicle has a fully

valid driving licence.

8. If You or anyone acting for You uses fraudulent or dishonest means,

or makes a false statement to:

(a) obtain cover; or

(b) make a false claim,

then all benefits under these Terms and Conditions will be lost.

Any fraudulently obtained benefits must be repaid to Chubb.

9. You will be required to provide Chubb Assistance with Your

American Express Platinum Card number, or any other payment card,

to cover any costs or expenses Chubb Assistance has paid out on

Your behalf that are not covered under these Terms and Conditions.

Exclusions under Roadside Assistance

We will not cover any:

1. claim arising from participation in motor racing, rallies, speed or

duration tests or practising for such events.

2. previously inadequate repair to the Covered Vehicle.

3. claim where the Covered Vehicle has not been maintained or operated

in accordance with the manufacturer’s recommendations.

4. claim where the Covered Vehicle has been used for hire or reward,

or for the carriage of commercial goods.

5. loss or damage deliberately carried out or deliberately caused by

You or a driver employed by You, at the time of an accident.

6. loss, damage or expense which at the time of happening is insured by,

or would but for the existence of this cover, be insured by any other

existing certificate, policy, or any motor organisation’s service. If You

have any other policy in force that may cover the event for which You

are claiming, You must tell Chubb Assistance.

Section (S) Home Assistance

Available within Australia only

Specific Definitions under Home Assistance services

Emergency means a circumstance that poses an immediate threat to

the physical safety of the home or contents, which requires service in less

than 24 hours (e.g. a burst water pipe or a branch falling through the roof

of the home during a storm).

Cover

1. Home Assistance

Chubb Assistance will provide the following Home Assistance services

to You:

(a) 24-hour referrals to service providers, including plumbers, locksmiths,

electricians and air-conditioning service specialists; and

(b) organise and pay, up to a maximum of two times per year, the charges

for emergency call-out for the above providers to go to Your usual

place of residence. All charges relating to labour and spare parts are

to be borne by You. In the case of non-emergency call-outs,

arrangements may be made by Chubb Assistance but call-out costs

will be the full responsibility of You.

General Terms and Conditions Applicable to Platinum Assistance

Services, Sections Q–S above

1. Any fraud, forgery or false evidence on the part of You will

automatically end obligations to provide You with Platinum Assistance

Services.

2. Chubb Assistance Services will use all available means to provide

all assistance services as detailed in these Terms and Conditions.

However, Chubb Assistance cannot be held responsible for

non-execution or delays resulting from any cause or event not

reasonably within its control, including but not limited to natural

catastrophes, war, military act of foreign nations, revolution,

insurrection, civil war, armed rebellion or other similar disturbance

or riot (“riot” meaning the state of affairs in which national or local

order is seriously disturbed by the collective action of a group or

groups of persons, and in which a serious threat to peace and order

is deemed to exist), civil strikes, lockouts or other labour disturbance

or the refusal of authorities to permit the provision of such services,

all acts of sabotage or terrorism committed from concerted actions,

radioactivity effects, and all acts of God making impossible the

execution of these Terms and Conditions.

3. As a general rule, Chubb Assistance will not reimburse costs relating

to events that it was not contacted about in the first instance in

accordance with these Terms and Conditions.

8. How to Make a Claim

When making a claim You must:

1. for non-emergency claims, please follow

americanexpress.com/australia/claims

2. supply Your American Express Platinum Card number.

3. supply all Your original invoices, receipts, and reports and any other

documentation necessary to support Your claim.

4. provide proof of purchase for items being claimed. If no proof of

purchase can be provided your claim may not be paid, and this

decision will be made at Our complete discretion.

5. disclose to Us details of any other insurance cover under which You

may be entitled to claim.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Making a Claim under these Terms and Conditions

If You fail to comply with the Terms and Conditions of this cover, We may

be entitled to refuse to pay or reduce any claim that may be payable.

Please keep detailed particulars and proof of any loss including, but not

limited to, the sales receipt and charge card account statement showing

any purchases made.

Please first read the relevant section of the specific benefit and general

terms and conditions to determine what is covered, noting particularly

any conditions and exclusions and/or requests for specific data relating

to Your claim.

Claiming under the Terms and Conditions

1. In the event of a medical emergency or for travel assistance whilst

overseas, or for other Platinum Assistance Services (legal assistance,

roadside assistance or home assistance) call Chubb Assistance on

+61 2 9335 3492.

2. To make a non-emergency claim, please follow the link

americanexpress.com/australia/claims within twenty (20) days

after the occurrence or commencement of any loss covered or

as soon as reasonably practicable thereafter.

3. For a claim form please contact Us on 1800 236 023 or

+61 2 9335 3492.

4. Benefits will be payable upon receipt of written proof, as required by

Us, of a legitimate covered loss.

5. You must supply all of Your original invoices, receipts, and reports

and any other documentation necessary to support Your claim.

You should keep copies of all documents that You send to Chubb.

6. All information and evidence required by Us or Our agents shall be

furnished at the expense of You or Your personal representative

and shall be in such form and of such nature as We may prescribe.

7. We will make payments within thirty (30) days if You are entitled to

receive reimbursement.

9. Complaints and Dispute Resolution

We take the concerns of Our customers very seriously and have detailed

complaint handling and internal dispute resolution procedures that You

can access. Please note that if We have resolved Your initial complaint to

Your satisfaction by the end of the fifth (5th) business day after We have

received it, and You have not requested that We provide You a response in

writing, the following complaint handling and internal dispute resolution

process does not apply. This exemption to the complaints process does

not apply to complaints regarding a declined claim, the value of a claim, or

about financial hardship.

Stage 1 – Complaint Handling Procedure

If You are dissatisfied with any aspect of Your relationship with Chubb

including Our products or services and wish to make a complaint, please

The Complaints Officer

Chubb Insurance Australia Limited

GPO Box 4065

Sydney NSW 2001

1800 815 675

[email protected]

The members of Our complaint handling team are trained to handle

complaints fairly and efficiently.

Please provide Us with Your claim or policy number (if applicable) and as

much information as You can about the reason for your complaint.

We will investigate Your complaint and keep You informed of the progress

of our investigation. We will respond to Your complaint in writing within

fifteen (15) business days provided We have all necessary information and

have completed any investigation required. In cases where further

information or investigation is required, We will work with You to agree

reasonable alternative time frames and, if We cannot agree, You may

request that Your complaint is taken to Stage 2 and referred to Our

internal dispute resolution team. We will otherwise keep You informed

about the progress of Our response at least every ten (10) business days,

unless You agree otherwise.

Please note if Your complaint relates to Wholesale Insurance (as defined in

the General Insurance Code of Practice), We may elect to refer it straight

to Stage 2 for review by Our Internal Dispute Resolution team.

Stage 2 – Internal Dispute Resolution Procedure

If You advise Us that You wish to take Your complaint to Stage 2, Your

complaint will be reviewed by members of Our internal dispute resolution

team, who are independent to Our complaint handling team and are

committed to reviewing disputes objectively, fairly and efficiently.

You may contact Our internal dispute resolution team by phone, fax or

post (as below), or email at:

Internal Dispute Resolution Service

Chubb Insurance Australia Limited

GPO Box 4065

Sydney NSW 2001

Phone: +61 2 9335 3200

Fax: +61 2 9335 3411

Email: DisputeResolution.[email protected]

Please provide Us with Your claim or policy number (if applicable) and as

much information as You can about the reason for Your dispute.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

We will keep You informed of the progress of Our review of Your dispute

at least every ten (10) business days and will respond to Your dispute in

writing within fifteen (15) business days, provided We have all necessary

information and have completed any investigation required. In cases

where further information or investigation is required, We will work with

You to agree reasonable alternative time frames. If We cannot agree, You

may refer Your dispute to the Australian Financial Complaints Authority

(AFCA) as detailed under Stage 3 below, subject to its Rules.

If Your complaint or dispute falls outside the AFCA Rules, You can seek

independent legal advice or access any other external dispute resolution

options that may be available to You.

Stage 3 – External Dispute Resolution

If You are dissatisfied with Our internal dispute determination, or We are

unable to resolve Your complaint or dispute to Your satisfaction within

forty-five (45) days, You may refer Your complaint or dispute to AFCA,

subject to its Rules.

AFCA is an independent external dispute resolution scheme approved by

the Australian Securities and Investments Commission. We are a member

of this scheme and We agree to be bound by its determinations about a

dispute. Where a dispute is covered by the AFCA Rules, the General

Insurance Division of AFCA offers a free and accessible dispute resolution

service to consumers.

You may contact AFCA at any time at:

Australian Financial Complaints Authority

GPO Box 3

Melbourne VIC 3001

Phone: 1800 931 678

Fax: +61 3 9613 6399

Email: inf[email protected]

Internet: www.afca.org.au

Time limits may apply to complain to AFCA and so you should act

promptly or otherwise consult the AFCA website to find out if or when the

time limit relevant to your circumstances expires.

10. Privacy

In this Statement “We”, “Our” and “Us” means Chubb Insurance Australia

Limited (Chubb).

“You” and “Your” refers to Our customers and prospective customers

as well as those who use Our Website.

This Statement is a summary of Our Privacy Policy and provides an

overview of how We collect, disclose and handle Your Personal

Information. Our Privacy Policy may change from time to time and where

this occurs, the updated Privacy Policy will be posted to Our website.

Why We collect Your Personal Information

The primary purpose for Our collection and use of Your Personal

Information is to enable Us to provide insurance services to You.

Sometimes, We may use Your Personal Information for Our marketing

campaigns, in relation to new products, services or information that may

be of interest to You. If You wish to opt out of Our marketing campaigns

You can contact Our customer relations team on 1800 815 675 or email

[email protected].

How We obtain Your Personal Information

We collect Your Personal Information (which may include sensitive

information) at various points including but not limited to when You are

applying for, changing or renewing an insurance policy with Us or when We

are processing a claim. Personal Information is usually obtained directly

from You but sometimes via a third party such an insurance intermediary

or Your employer (e.g. in the case of a group insurance policy). Please refer

to Our Privacy Policy for further details.

When information is provided to Us via a third party We use that

information on the basis that You have consented or would reasonably

expect Us to collect Your Personal Information in this way. We take

reasonable steps to ensure that You have been made aware of how We

handle Your Personal Information.

When do We disclose Your Personal Information?

We may disclose the information We collect to third parties, including

service providers engaged by Us to carry out certain business activities

on Our behalf (such as claims assessors and call centres in Australia).

In some circumstances, in order to provide Our services to You, We may

need to transfer Your Personal Information to other entities within the

Chubb group of companies such as the regional head offices of Chubb

located in Singapore, UK or USA (Chubb Group of Companies), or third

parties with whom We (or the Chubb Group of Companies) have sub-

contracted to provide a specific service for Us, which may be located

outside of Australia (such as in the Philippines or USA). These entities and

their locations may change from time to time. Please contact us, if you

would like a full list of the countries in which these third parties are located

Where access to Our products has been facilitated through a third party

(for example: insurance broker, online marketing agency etc) We may also

share Your information with that third party.

In the circumstances where We disclose Personal Information to the

Chubb Group of Companies, third parties or third parties outside Australia

We take steps to protect Personal Information against unauthorised

disclosure, misuse or loss.

Your Consent

In dealing with Us, You agree to Us using and disclosing Your Personal

Information as set out in this Privacy Statement and Our Privacy Policy.

This consent remains valid unless You tell Us otherwise. If You wish to

withdraw Your consent, including for things such as receiving information

on products and offers by Us or persons We have an association with,

please contact Our Privacy Officer.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

Access to and correction of Your Personal Information

If you’d like a copy of your Personal Information or wish to correct or

update it, want to withdraw Your consent to receiving offers of products of

services from Us or persons We have an association with, or You would like

a copy of Our Privacy Policy, please contact Our customer relations team

on 1800 815 675 or email [email protected].

Where your request concerns Chubb Insurance Australia Limited please

return the form to:

Email: [email protected]

Fax: + 61 2 9335 3467

Address: GPO Box 4907 Sydney NSW 2001

How to Make a Complaint

If You have a complaint or would like more information about how We

manage Your Personal Information, please review Our Privacy Policy for

more details, or contact:

Privacy Officer

Chubb Insurance Australia Limited

GPO Box 4907

Sydney NSW 2001

+61 2 9335 3200

[email protected]

11. General Insurance Code of Practice

Chubb is a signatory to the General Insurance Code of Practice (the Code).

The objectives of the Code are to further raise standards of service and

promote consumer condence in the general insurance industry. Further

information about the code is available at www.codeofpractice.com.au

and on request.

12. Financial Claims Scheme

We are an insurance company authorised under the

Insurance Act 1973

(Cth) (Insurance Act) to carry on general insurance business in Australia

by the Australian Prudential Regulation Authority (APRA) and are subject

to the prudential requirements of the Insurance Act.

The Insurance Act is designed to ensure that, under all reasonable

circumstances, nancial promises made by Us are met within a stable,

efficient and competitive nancial system.

Because of this We are exempted from the requirement to meet the

compensation arrangements Australian nancial services licensees must

have in place to compensate retail clients for loss or damage suffered

because of breaches by the licensee or its representatives of Chapter 7

of the

Corporations Act 2001

(Cth). We have compensation arrangements

in place that are in accordance with the Insurance Act.

In the unlikely event that We were to become insolvent and were unable

to meet Our obligations under the Policy, a person entitled to claim may

be entitled to payment under the Financial Claims Scheme. Access to the

Scheme is subject to eligibility criteria. Please refer to www.fsc.gov.au for

more information.

Terms and Conditions

THE AMERICAN EXPRESS PLATINUM CARD

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American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.

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