AMERICAN EXPRESS BUSINESS CARD INSURANCE
i
American Express®
Business Card Insurance
Terms and Conditions
Eective 15th March 2022
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.
ii
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Contents
Terms and Conditions 1
• About this Policy 1
• Cancelled or Suspended Cards 1
• Termination 1
• Remember To Check This Policy 1
• Always Take Care When Travelling 1
• Making a Claim 1
• Changes to This Policy 1
Important Things to Know About This Policy 1
• Excess 1
• Pre-Existing Medical Conditions 3
• Pregnancy & Travel Insurance Benets 3
• Exclusions Within This Policy 3
• Age Limits 4
• Excluded Sports and Activities 4
• COVID-19 4
• Travelling Against Medical or Government Advice 5
• Return Trips Only 5
• Fraud 5
• Australian Law 5
• Australian Currency 5
Chubb Assistance (In The Event Of An Emergency) 5
Eligibility Table 6
• Eligibility for Cover Under This Policy 6
If You Change Your American Express Card Account product, or
Your American Express Card Account Is Cancelled or Suspended 7
Coverage Summary 9
Schedule of Benets 12
Denitions 15
Benets 19
• Section (A) Trip Cancellation And Amendment Cover 19
• Section (B) Card Account Balance Waiver Cover 21
• Section (C) Business Trip Completion Cover 21
• Section (D) Public Transport Accident Cover 22
• Section (E) Travel Inconvenience Cover 22
• Section (F) Medical Emergency Expenses Cover 23
• Section (G) Personal Baggage, Valuables, Money And Travel
Documents Cover 25
• Section (H) Personal Liability Cover 27
• General Exclusions Applicable to Sections A–H Above 28
• General Conditions Applicable to All Sections 30
How To Make A Claim 30
General Information About This Policy 31
Privacy Statement 31
• Why We Collect Your Personal Information 32
• How We Obtain Your Personal Information 32
• When Do We Disclose Your Personal Information? 32
• Exchanging Personal Information With American Express 32
• Your Decision to Provide Your Personal Information 32
• Access to and Correction of Your Personal Information 32
• How to Make a Complaint 32
Complaints and Dispute Resolution Process 32
• Complaints and Customer Resolution Service 33
• Process 33
• Our Response 33
• External Dispute Resolution 33
Financial Claims Scheme 33
General Insurance Code of Practice 33
AMERICAN EXPRESS BUSINESS CARD INSURANCE
1
Terms and Conditions
This Policy is eective from 15/03/2022
American Express® Card Insurance Policy Number: 09NACVRB06
Eligible American Express Card Products
This Policy applies to the following American Express Card Account
products only:
(a) American Express Qantas Business Rewards Card;
(b) American Express Gold Business Card;
(c) American Express Velocity Business Card.
About this Policy
This Policy sets out important information about the insurance benets
available to Card Members, Employee Card Members, their Spouses
and Dependent Children. It explains the nature of the arrangements and
relevant benets and risks. If You feel that this product does not meet Your
specic needs and intended coverage, this Policy may not be right for You.
You may need to buy separate or additional insurance if this Policy does
not cover You for all the things You need cover for.
This document provides general advice only. It does not take into account
Your individual objectives, nancial situation or needs. You need to decide if
the limits, type and level of cover are appropriate for You.
There is no obligation to accept any of the benets of this Policy. However,
if You wish to make a claim under the cover provided within this Policy,
You will be bound by the denitions, terms and conditions, exclusions and
claims procedures set out in this document.
This Policy oers 1 main type of benet and service:
1. Travel insurance benets
Cancelled or Suspended Cards
If your card is cancelled or suspended, you are not entitled to cover under
this Policy. It is your responsibility to make sure that your minimum
repayments are paid on time and that you comply with your American
Express Card Account terms and conditions. Refer to Your American
Express card Account terms and conditions or please contact American
Express by calling the number on the back of your card to obtain a copy.
Termination
Cover will be terminated at the earlier of the following:
• Your American Express Card Account is cancelled or suspended; or
• termination of the Group Policy.
Upon termination of the Group Policy, the insurance benets will no longer
be available to Card Members after the termination date. If You have
satised the eligibility criteria prior to the termination of the Group Policy,
cover is still available with respect to the cover section(s) that You are
eligible for. American Express will always notify You in advance if the Group
Policy is to be terminated.
Remember To Check This Policy
It is important to check this Policy from time to time, particularly before
You travel to remind yourself of what is and isn’t covered. Some things
You might consider doing whilst travelling might not be covered (for
example, jet skiing, bungee jumping or hiring a scooter if You don’t have a
motorcycle licence).
You may need to buy separate or additional insurance if this Policy does
not cover You or the things You need cover for.
Please familiarise yourself with this Policy. We want to ensure You are clear
about what it covers and what it does not cover or excludes. If You are
unclear about anything in this document, please call 1800 236 023 and
Our insurance team will be happy to assist You with any enquiries.
Always Take Care When Travelling
Make sure You have checked the most up to date Australian Government
travel advice before You go on a Trip to understand any specic risks for
Your destination. You also need to make sure You take care with Your
belongings, make sure You keep valuable possessions on You and never
leave Your luggage Unattended (for example, in a car overnight). This
insurance is not designed to cover carelessness or high-risk activities, so
be a sensible and prudent traveller.
Making a Claim
If You need to make a claim, keep supporting documents and proof of
any loss, including all police reports, sales receipts and card statements
showing any purchases made. See Section ‘How To Make A Claim’ for
more detail.
Changes to This Policy
The cover under this Policy may be updated from time to time. A copy of
the current policy wording can always be found by visiting the American
Express Australia website at: www.americanexpress.com/au/insurance/
insurance-with-your-card/. This document replaces and supersedes any
Policy issued prior to the eective date.
Important Things to Know About This Policy
We have listed a number of important things (below) that You should know
about this Policy. This information is not intended to be a complete list of
all coverage sections, terms, conditions or exclusions under this Policy.
Rather, the information is intended as a quick reference point to assist You
in Your understanding of this Policy.
Excess
Where applicable, an Excess is applied for each Event.
If a claim is covered, the Excess is rst deducted from the amount We will
pay and before any relevant depreciation and limits have been applied to
the claim amount.
The applicable Excess amount is specied in the Schedule of Benets.
An Excess may also be a waiting period, which is the amount of time You
have to wait until the benet may become payable.
2
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Examples
The below examples are provided for illustrative purposes only. Each claim will be assessed individually, based on the facts relative to the
specic claim
Example A – Excess applied: Example B – Excess and depreciation applied:
Example C – Excess and depreciation applied
to more than one Event:
Anna books accommodation to the Sunshiny
caravan park. Her Trip with the family is in
summer, which is 3 months away. A week before
the start of the family Trip, her son has an accident
at school and breaks his leg. Unfortunately, he
needs surgery and the Doctor conrms it’s best to
be at home for the recovery. Anna paid $1,200 for
the accommodation. The Excess is $250.
a. Deduct the Excess of $250
b. Check the total cover limits and sub limits
in the Schedule of Benets. The amount
claimable is below these limits.
Calculation for the amount payable:
(-Excess) + accommodation = amount
payable
(-$250) + $1,200 = $950 claim
payment.
Jane travels to Brazil and while in Brazil her
laptop is stolen. She reports the theft to the
police and provides Us with the required
documentation. Jane paid $6,000 for her laptop
12 months prior to this Event. Jane’s
Excess is $250.
a) Deduct the Excess of $250
b) Establish original purchase price of the
laptop: $6,000
c) Apply depreciation*:
• 2.5% per month for 12 months = 30%
depreciation.
• 30% of $6,000 = $1,800 total
depreciation.
d) Establish current value of the laptop by
subtracting depreciation from the purchase
price of the laptop
• $6,000 - $1,800 = $4,200
e) Check the total and per item limit shown
in the Schedule of Benets and select the
lower of current value of the laptop or the
item limit. If the per item limit is $2,500
which is lower than the current value
$4,200, hence We take the lower number
= $2,500.
Calculation for the amount payable:
(-Excess) + limit per item = amount payable
(-$250) + $2,500 = $2,250 claim payment.
Rob and his wife travelled to France for 14 days.
On the 4th day of their Trip, Rob slips down the
stairs at the hotel. Thankfully it’s not a major
injury, but he did twist his ankle and needs to
seek medical attention. He was billed $500 for
the Doctor’s appointment including some scans
and medication. On the 8th day, Rob had his
laptop stolen which was worth $1,000 when it
was purchased 6 months ago. Unfortunately, on
the last day of their Trip, Rob’s wife then lost her
Smartphone worth $900 that was purchased
directly before their Trip commenced. When they
return to Australia, Rob submitted a claim for
the 3 Events.
As Rob and his wife had 3 Events during their
Trip to France, an Excess would be applied to
each of the Events (and Covered Persons).
Claim 1: (-$250) Excess + $500 Medical costs =
$250 claim payment.
Claim 2:
a) Deduct the Excess of $250
b) Establish original purchase price of the
laptop: $1,000
c) Apply depreciation*:
• 2.5% per month for 6
months = 15% depreciation.
• 15% of $1,000 = $150 total
depreciation.
d) Establish current value of the
laptop by subtracting
depreciation from the purchase
price of the laptop
• $1,000 - $150 = $850
Calculation for the amount payable:
(-Excess) + current value = amount payable
(-$250) + $850 = $600 claim payment.
Claim 3: (-$250) Excess + $900
Smartphone = $650 claim payment.
*For depreciation details, please review Section G – Personal Baggage, Valuables, Money and Travel Documents Cover
AMERICAN EXPRESS BUSINESS CARD INSURANCE
3
Pre-Existing Medical Conditions
This Policy does not cover any costs incurred from or relating to any
Pre-Existing Medical Condition under Sections A – H (below). For example,
it does not provide cover if You need emergency medical treatment
overseas for an existing illness or if You need to Cancel Your Trip because
a Close Relative’s existing medical condition deteriorates before You travel.
If You have Pre-Existing Medical Conditions, this cover may not be right
for You. Before You make Your Qualifying Travel Purchase, You should
review this Policy to make sure it provides the right cover for You and
Your health situation.
Pregnancy & Travel Insurance Benets
It’s important to understand how Your travel insurance benets under this
Policy may be limited if You are pregnant. These are summarised below.
When does the travel insurance cover You if You are pregnant?
If You are pregnant, You will be covered for unforeseen emergency medical
treatment whilst overseas up to 8 weeks before Your estimated date of
delivery. However, You will not be covered for costs associated with the
actual birth of Your child overseas or any pregnancy related medical
conditions that You were already suering before Your Qualifying Travel
Purchase. For more information see – When are You Not Covered if You
are pregnant? (below).
Two key sections of this Policy that You should be aware of are:
1. Section F – Medical Emergency Expenses Cover:
You are covered for Events arising from or related to Your pregnancy
when You are on an International Return Trip, if You have a sudden and
unexpected Injury or Illness, which:
a) occurs more than 8 weeks before Your estimated date of
delivery; and
b) is not otherwise excluded within this Policy.
2. Section A – Trip Cancellation and Amendment Cover:
You are covered if You have a sudden and unexpected Injury or Illness
arising from or related to Your pregnancy that prevents You from going on
the Trip or continuing the Trip, and which:
a) is conrmed by medical evidence provided by a treating Doctor;
b) occurs more than 8 weeks before Your estimated date of
delivery; and
c) is not otherwise excluded within this Policy.
When Are You Not Covered if You are pregnant?
You are not covered for any costs arising from or related to:
1. any Pre-Existing Medical Condition;
2. any past medical condition(s) relating to a previous pregnancy
or if You have experienced pregnancy complications prior to Your
Qualifying Travel Purchase;
3. Your pregnancy under Medical Emergency Expenses Cover or Trip
Cancellation and Amendment Cover within 8 weeks of Your estimated
date of delivery;
4. any costs under Medical Emergency Expenses Cover arising from
childbirth or the health of a newborn child. This exclusion applies
irrespective of the stage of pregnancy at which the child is born;
meaning a newborn (whether premature or otherwise) is not
considered a Covered Person under this Policy if the child was born
on the Trip;
5. any costs under Medical Emergency Expenses Cover arising from
or relating to an abortion, unless an abortion is medically necessary
to protect the health and safety of the mother following an Injury or
Illness, as determined by a treating Doctor;
6. fertility treatment or treatment associated with an assisted
reproduction program including but not limited to, in vitro
fertilisation (IVF).
Exclusions Within This Policy
As with all insurance, there are certain exclusions that apply. Some
exclusions only apply to certain benets under this Policy, while other
exclusions apply to all claims. You should read the following:
a) General Exclusions and General Conditions sections within this Policy,
which apply to all claims.
b) Each cover section includes information about what We cover
and any terms and conditions and exclusions that apply to the
cover section.
To ensure You understand when We will pay for a claim, You should read
each section carefully. You should make sure to check this Policy before
You travel to make sure that You, and all the things You want to do,
are covered.
4
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Excluded Sports and Activities
Not everything You do on Your Trip will be covered by this Policy.
This includes
• some popular holiday activities such as bungee jumping, jet skiing,
horse riding or trekking (with climbing equipment or when You ascend
more than 3,000 metres from sea level).
• competitive sporting events (for example, where You may receive a fee
or prize money).
Please see the denition of ‘Excluded Sports and Activities’ for a full list
of activities and sports which are not covered under this Policy.
COVID-19
This Policy provides some limited cover related to Coronavirus Disease 19
(COVID-19) as outlined below. All claims are subject to the usual Policy terms,
conditions and exclusions.
Domestic Return Trips (Limited Cover only)
• If You need to change, Curtail or Cancel Your Domestic Return Trip
due to You, Your Travelling Companion, Your Close Relative or a person
You are visiting for the main purpose of Your Trip being diagnosed
with COVID-19, You will be eligible to claim under Section A – Trip
Cancellation and Amendment Cover.
• There is no Cancellation, Curtailment or Trip Change cover due to
border closures or travel advisory warnings related to COVID-19 for
Domestic Return Trips.
• There is no Medical Emergency Expenses cover for Domestic
Return Trips.
International Return Trips
• If You need to Curtail, Cancel or make a Trip Change to Your International
Return Trip due to You, Your Travelling Companion, Your Close Relative
or a person You are visiting for the main purpose of Your Trip being
diagnosed with COVID-19, You will be eligible to claim under Section A –
Trip Cancellation and Amendment Cover.
• If You need to cancel, curtail or change Your International Return Trip
because of border closures or travel advisory warnings due to COVID-19,
You will be eligible to claim under Section A – Trip Cancellation and
Amendment Cover.
• Cancellation cover – applies for border closures or upgraded travel
advisory warnings which occur after You make Your Qualifying Travel
Purchase for International Return Trips.
• Curtailment or Trip Change cover – applies for border closures or
upgraded travel advisory warnings which occur after You start Your
International Return Trip.
• If You become ill with COVID-19 whilst on an International Return Trip, You
will be eligible to claim under Section F – Medical Emergency Expenses
Cover. Please note:
• there is no cover if You travel when a ‘Do Not Travel’ travel advisory
warning has been issued by an Australian State or Territory or the
Australian Federal Government or an Australian government agency
(such as the Department of Foreign Aairs (DFAT)) prior to Your Trip
starting – even if You have an exemption to travel from the Australian
government or an Australian government agency.
• there is no cover if You travel when the borders have been closed at
Your destination prior to Your Trip starting.
Cover Section Age Limit
Age Limit for Covered Person
Travel Insurance Cover (Section A and Sections C – H)
Card Account Balance Waiver Cover (Section B)
You must be 79 years of age or younger before You make Your
Qualifying Travel Purchase.
If Your claim relates to cancellation or disruption of Your Trip due to an Injury
or Illness of Your Close Relative or Travelling Companion, age limits also apply.
Trip Cancellation and Amendment Cover (Section A)
Close Relative or Travelling Companion must be 90 years of age or younger
when You make Your Qualifying Travel Purchase.
Age Limits
Please note that to be eligible for some of the benets under this Policy, age limits apply. Please see the table below for a summary
of the age limits that apply within this Policy.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
5
Travelling Against Medical or Government Advice
If You are advised not to travel or not to go on a particular Trip (for example,
to a specic destination), You must comply with that advice. You will not be
covered under Section A and Sections C – H of this Policy if You start a Trip
against the following advice:
(a) a treating Doctor advises You not to travel; or
(b) an Australian State or Territory or the Australian Federal Government
or an Australian government agency (such as DFAT) advises You not
to travel (for example, through border closures or ‘Do Not Travel’
travel advisories). This exclusion applies even if You have been
granted a travel exemption by an Australian State or Territory, the
Australian Federal Government or an Australian government agency
(such as DFAT) to travel.
If You are advised not to travel after You have made Your Qualifying Travel
Purchase, You may be entitled to cancel or change Your Trip and make a
claim under Section A – Trip Cancellation and Amendment Cover (subject
to the terms and conditions of this Policy).
Return Trips Only
You are only eligible for the travel insurance benets under Sections A – H
of this Policy for return Trips i.e. trips that begin and end from Your Home
or Work in Australia. It does not cover One-Way Trips where You have no
plans to return to Australia.
You may need to provide evidence of Your intention to return to Your Home
or Your Work where reasonably possible, for example by providing copies
of a return ticket, itinerary or schedule, return transfer or accommodation
bookings, conrmation of return to Work dates etc. Remember, cover
automatically ends for all Trips at 62 days.
Fraud
Chubb takes insurance fraud seriously. Creation or submission of false
documents, or exaggerating a genuine claim is considered insurance
fraud. Such behaviour has a negative impact on the cost of insurance for
all customers.
We use Our dedicated special investigations unit at Chubb to detect and
investigate selected claims daily. When the evidence supports it, Chubb will
report suspect claims to the police and dedicate resources to assisting any
potential criminal prosecutions.
Australian Law
Your Policy is governed by the laws of the State or Territory of Australia
where Your Home is. Any dispute or action in connection with Your Policy
will be conducted and determined in the courts of the State or Territory of
Australia in which Your Home is.
Australian Currency
All payments made under this Policy must be in Australian currency.
Chubb Assistance (In The Event Of An
Emergency)
Emergency assistance around the world
In the event of a medical emergency whilst overseas simply phone
+61 2 8907 5666 to get immediate help in locating medical assistance in
Your local area.
For all non-emergency matters, contact Chubb Customer Service on
1800 236 023, or You can submit Your claim online by visiting the Chubb
Claims Centre for American Express: www.americanexpress.com/
australia/claims
Where Your claim is excluded or falls outside this Policy coverage, We
may still provide You with some emergency assistance. If We do this, the
provision of emergency assistance by Chubb Assistance will not in itself be
an admission of liability.
Considerable eort is made to locate, assess and reassess medical
facilities and other services worldwide. However, the medical standards,
sanitary conditions, reliability of telephone systems and facilities for
medical services dier from country to country and accordingly, it is not
always possible to have control over these factors. In the circumstances,
responsibility for any loss, medical complication or death resulting from
any factor beyond Our control, cannot be accepted by Chubb Assistance
or Us.
6
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Cover Section Eligibility Criteria
To be eligible for the benets under the cover section(s) of
the Policy, the following eligibility criteria needs to be met:
When are
benets available
under the Policy?
When are no benets available under
this Policy?
Travel
Insurance
Cover
(Section A and
Sections C– H)
Card Account
Balance Waiver
Cover
(Section B)
1. You are a Card Member or an Employee Card Member
or their:
a. Spouse; or
b. Dependent Child.
2. You are a Resident of Australia.
Domestic Return Trips
3. You are going on a Domestic Return Trip and You either:
a. spend $500 or more on accommodation; or
b. pay the full amount of Your outbound ticket for a
Scheduled Flight, Scheduled Cruise, bus or train, to
Your scheduled outbound destination,
on Your:
i. American Express Card Account; and/or
ii. corresponding American Express Membership
Rewards Points/Qantas points/Velocity points (where
applicable; and/or
iii. Travel Benet.
International Return Trips
4. You are going on an International Return Trip and You pay
the full amount of Your outbound ticket for a Scheduled
Flight or Scheduled Cruise leaving Australia on Your:
i. American Express Card Account;
ii. corresponding American Express Membership
Rewards points/Qantas Points/Velocity Points
(where applicable); and/or
iii. Travel Benet.
5. You hold an eligible American Express Card Account which is
current (meaning it is not cancelled or suspended).
6. You are 79 years of age or younger when You make Your
Qualifying Travel Purchase.
If You have
satised the
eligibility criteria,
You will be eligible
to make a claim
for the Travel
Insurance cover
for Your Domestic
Return Trip or
International
Return Trip.
There is no cover under this Policy if:
1. You do not meet the eligibility criteria;
2. Your American Express Card Account
has been cancelled or suspended;
3. You are going on a One-Way Trip.
Please also refer to the Terms, Conditions and
Exclusions within each cover section (A – H
below) and the General Exclusions and
General Conditions within this Policy.
IMPORTANT INFORMATION: American Express has the right to change or terminate the Group Policy and your insurance benets under it.
American Express will always notify you before making any change to the Group Policy that materially impacts your insurance benets.
Eligibility Table
Eligibility for Cover Under This Policy
Cover under this Policy is only available to Card Members who meet the eligibility criteria. You need to use Your American Express Card Account in accordance with
the Eligibility Table below. Not all cover sections have the same eligibility criteria, so it is important You understand when the benets under this Policy become
available to You.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
7
American Express Card at the date of
Qualifying Purchase
American Express Card at the date of
claim Event
Which policy applies?
Your American Express Card Account product
associated with this Policy.
A dierent American Express card with no
insurance benets.
This Policy will not apply as you changed Your
American Express card. This means there is no
cover under this Policy.
See Example A below.
Your American Express Card Account product
associated with this Policy.
A dierent American Express card with dierent
insurance benets (i.e. where you upgrade or
downgrade to a dierent card).
This Policy will not apply as you changed Your
American Express card.
The policy of your new American Express card
will apply, subject to the terms, conditions, limits
and exclusions of that policy.
See Example B below.
A dierent American Express card product with
or without insurance benets.
Your American Express Card Account associated
with this Policy.
This Policy will apply. Cover is subject to the
terms, conditions, limits and exclusions of
this Policy.
Card Suspension or Cancellation
Your American Express Card Account product
associated with this Policy.
Your American Express Card Account has been
cancelled or suspended.
This Policy does not apply; there are no
insurance benets available to you as your
American Express Card Account has been
cancelled or suspended.
If You Change Your American Express Card Account Product, or Your American Express Card Account Is
Cancelled or Suspended
If You change Your American Express Card Account product to another card oered by American Express (e.g. a card downgrade or upgrade), you will not be
entitled to cover under this Policy and the insurance benets will stop.
The card you hold at the date of the claim Event will determine which insurance benets you have. If your new American Express card comes with insurance
benets, you may be entitled to cover under that new policy. You should always check before changing to another American Express card whether that card comes
with insurance benets, and the terms and conditions associated with any such insurance benets to ensure the level of cover is right for You.
If your American Express Card Account is suspended or cancelled, then there is no cover under this Policy.
Please see the table below for more information.
8
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Example A – No American Express Card Account in place at the date of
claim Event
Example B – Dierent American Express card in place at the date of
claim Event
Joan holds an American Express Card Account that has travel insurance
cover and makes a Qualifying Travel Purchase for a Trip that she intends to
take later in the year.
Before she starts her Trip, Joan decides to cancel her American Express
Card Account. Upon cancelling her American Express Card Account, Joan
does not apply for another American Express card.
Subsequently, Joan travels and unfortunately her luggage is lost in transit to
her scheduled destination.
Joan does not have any entitlement to make a claim under the Policy for
the lost luggage as Joan had cancelled the American Express Card Account,
which means Joan did not hold a valid American Express Card Account at
the date of the claim Event and therefore no longer has access to the travel
insurance cover.
Tim makes a Qualifying Travel Purchase for a Trip using his American Express
Card Account that has travel insurance cover.
Prior to travelling, Tim arranges with American Express to downgrade his
card to another American Express card with a lower fee that has less travel
insurance benets.
On the Trip, Tim suers an Injury. The previous American Express Card
Account which Tim held included Medical Emergency Expenses cover, but
the new card held by Tim at the date of the claim Event does not include
Medical Emergency Expenses cover.
Tim cannot therefore make a claim for Medical Emergency Expenses as
the policy in-force at the date of the claim Event does not include this type
of cover.
The following examples are provided to illustrate how Your cover may be aected by changes to Your Card.
For medical and travel emergencies, or for Assistance Services (Legal Assistance, Roadside Assistance or Home Assistance), please contact Chubb
Assistance on +61 2 8907 5666.
For claims and general enquiries about this Policy, please contact Chubb:
Address: Grosvenor Place, Level 38, 225 George Street, Sydney NSW 2000 Australia
Postal Address: GPO Box 4907, Sydney NSW 2001
Telephone: 1800 236 023
Overseas Telephone: +61 2 9335 3492
Email: CardmemberServices.ANZ@Chubb.com
Not an emergency?
Making a claim is quick and easy. You can submit Your claim online by visiting the Chubb Claims Centre for American Express:
www.americanexpress.com/australia/claims
AMERICAN EXPRESS BUSINESS CARD INSURANCE
9
Coverage Summary
IMPORTANT
• The following table is a summary of cover only, it is not an exhaustive list of all limits, terms, conditions or exclusions in this Policy. It is intended to
be a quick reference tool to help You understand the main benets and some exclusions that apply.
• You should always read the full Policy for comprehensive details.
Section Cover Description Key Exclusions
Travel Insurance Cover
A Trip Cancellation and Amendment Cover
Provides cover in the event You must Cancel, Curtail or
change Your Trip for the following reasons:
• You or Your Travelling Companion suering an Injury,
unforeseen Illness or dying before or during Your Trip;
• A Close Relative suering an Injury or an unforeseen
Illness or dying before or during Your Trip;
• a Natural Disaster has caused devastation to the
destination You were intending travel to;
• an Australian State or Territory or the Australian
Federal Government or an Australian government
agency (such as DFAT – Department of Trade and
Foreign Aairs) upgrading a travel advisory to
‘Reconsider your need to travel’ or ‘Do Not Travel’
travel warning or borders closing in respect of the
destination You were intending to travel after You:
• make Your Qualifying Travel Purchase in the case
of a Cancellation claim, or
• start Your Trip in the case of a Curtailment or
Trip Change.
Cover varies depending on the Trip type (international
or domestic).
What is covered?
Non-refundable deposits, excursion costs and
unused travel and accommodation costs You have
paid in advance.
We will not pay for:
• Cancellation, Curtailment or Trip Change due to a Pre-Existing
Medical Condition;
• losses arising from the death, serious injury or acute Illness of
any Close Relative or Travelling Companion who is 91 years or
older when You made Your Qualifying Travel Purchase;
• circumstances where Cancellation, Curtailment or Trip Change
was foreseeable, avoidable, unnecessary or within Your
control at the time of making a Qualifying Travel Purchase (for
Cancellation) or before starting a Trip (for Curtailment or
Trip Change);
• You or any other person simply changing their mind and deciding
not to travel or choosing to stop their Trip;
• Cancellation, Curtailment or Trip Change of a Domestic
Return Trip due to border closures, travel advisory warnings or
quarantine as a result of an epidemic, pandemic or outbreak of
an infectious disease or virus or any derivative or mutation of
such viruses.
B Card Account Balance Waiver Cover
If You suer a Public Transport Accident (Section D
below), pays the balance owing on Your American
Express Card Account at the time of the accident.
We will not pay for:
• any charges on Your American Express Card Account that are
already more than 90 days overdue at the time of the accident.
10
AMERICAN EXPRESS BUSINESS CARD INSURANCE
C Business Trip Completion Cover
Provides cover to send another employee to complete
Your Trip due to:
1. Your Accidental Death; or
2. Your Injury or Illness; or
3. Accidental Death of a Close Relative.
We will not pay for:
• privately hired, rented or chartered transport;
• the accidental death of a Close Relative or Travelling Companion
who is 91 years of age or older before You made Your Qualifying
Travel Purchase.
D Public Transport Accident Cover
Provides cover for Accidental Death or Permanent
Disablement arising:
• while travelling as a passenger on Public Transport; or
• from exposure and disappearance.
We will not pay for:
• events which occur whilst travelling on privately hired, rented or
chartered transport;
• death caused by illness or natural causes.
E Travel Inconvenience Cover
Provides cover if:
• Y our Scheduled Flight departure is delayed by 4 hours
or more;
• Your Scheduled Flight is cancelled;
• You are denied Scheduled Flight boarding;
• You miss a Scheduled Flight connection; or
• Y our checked luggage is delayed by 6 hours or more.
The amount of cover varies for each benet.
We will not pay for:
• Personal Baggage delay at the airport You rst departed from in
Your Home State or Territory in Australia;
• the purchase of clothing and toiletries which are not necessary
for Your Trip;
• costs if You fail to notify the transport provider or carrier about
delayed or missing luggage or You do not obtain a luggage
incident report from them or show You have taken reasonable
steps to obtain one.
F 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 while You are on Your
International Return Trip, and transportation of Your
remains or burial expenses following Your death while
on a Trip.
We will not pay for:
• costs relating to Pre-Existing Medical Conditions;
• any expenses if you are 80 years of age or older before You make
your Qualifying Travel Purchase;
• medical costs if You do not make reasonable attempts to contact
Chubb Assistance where You were reasonably able to do so;
• costs arising from Your participation in Excluded Sports and
Activities (for example, horse riding, deep sea shing, bungee
jumping, jet skiing, hot air ballooning and rock climbing). Check
the denition of Excluded Sports and Activities in the Denitions
section for the full list of excluded activities;
• costs arising from or related to Trips where the following advice
has been provided prior to starting Your Trip,
• an Australian State or Territory or the Australian Federal
Government or an Australian government agency (such as
DFAT) has issued a travel advisory warning, advising You to ‘Do
Not Travel’ or that borders are closed, for the destination You
planned to travel to; or
• a Doctor advised You not to travel.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
11
G Personal Baggage, Valuables, Money and Travel
Documents Cover
Provides cover if Your Personal Baggage, Valuables,
Money and Travel Documents are damaged, destroyed,
lost or stolen during Your Trip.
We will not pay for:
• Valuables or Money within Your Personal Baggage checked in or
stowed in the luggage hold of an airplane, ship, bus or train;
• Valuables and/or Money that are left Unattended in a motor
vehicle (unless You have no option other than to leave the items
Unattended due to an emergency medical, security or evacuation
situation);
• any Items left Unattended in a Public Place (unless You have
no option other than to leave the items Unattended due to an
emergency medical, security or evacuation situation);
• claims where You do not obtain a report from local police, the
carrier, tour or transport operator or accommodation provider
and You have not taken reasonable steps to obtain one either.
H Personal Liability Cover
Covers Your liability if You damage someone’s property
or cause them injury.
We will not pay for:
• You intentionally incurring any liability;
• injury You cause to any person who is a member of Your family,
a Close Relative, or any person under a contract of service or
apprenticeship with You;
• injury or damage involving:
a) mechanically propelled vehicles (including scooters), aircraft
(including drones), hovercraft or watercraft (other than
non-mechanically propelled watercraft less than 10 metres in
length);
b) rearms; or
c) animals (other than horses and domestic pets).
12
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Travel Insurance
Section of
Cover
Cover Description
Benet Limit – per Covered Person unless
otherwise stated
International Return Trip Domestic Return Trip Excess
Applies
Section A
Trip Cancellation and Amendment Cover (section limit)
Up to $10,000 Up to $10,000
$250
b. Travel agent commission (sub limit) Up to $750 or 15% of the
total booking amount,
whichever is the lesser
Up to $750 or 15% of the total
booking amount, whichever is
the lesser
c. Additional travel and accommodation (sub limit)
Up to $3,000 Up to $3,000
Section B
Card Account Balance Waiver The total amount owing
on Your American Express
Card Account or $20,000,
whichever is the lesser
The total amount owing
on Your American Express
Card Account or $20,000,
whichever is the lesser
NIL
Section C
Business Trip Completion Cover
Alternative Employee Expenses
NIL
(a) Return airfares at the same class as the original ticket
Up to $20,000 Up to $20,000
(b) Additional accommodation and meal expenses
Up to $20,000 Up to $20,000
(c) Road or rail transportation expenses of the substitute person
Up to $500 Up to $150
Section D
Public Transport
Accident Cover Benet Type
Card Member/ Employee
Card Member/ Spouse/
Dependent Child(ren)
Card Member/ Employee
Card Member/ Spouse/
Dependent Child(ren)
NIL
1. Accidental Death or
Permanent Disablement
while travelling as a
passenger on Public
Transport
2. Accidental Death or
Permanent Disablement
arising while in a departure
terminal or destination
terminal
3. Accidental Death or
Permanent Disablement
arising from exposure
4. Accidental Death arising
from disappearance
i. Accidental Death
$300,000 $300,000
Permanent Disablement:
ii. Loss of both hands or
both feet
$300,000 $300,000
iii. Loss of one (1) hand and
one (1) foot
$300,000 $300,000
iv. Loss of entire sight of
both eyes
$300,000 $300,000
v. Loss of entire sight of one (1)
eye and loss of one (1) hand
or one (1) foot
$300,000 $300,000
vi. Loss of one (1) hand or one
(1) foot
$150,000 $150,000
vii. Loss of the entire sight of
one (1) eye
$150,000 $150,000
Schedule of Benets
Please note that amounts quoted are in Australian dollars (unless otherwise stated).
AMERICAN EXPRESS BUSINESS CARD INSURANCE
13
Travel Insurance
Section of
Cover
Cover Description
Benet Limit – per Covered Person unless
otherwise stated
International Return Trip Domestic Return Trip Excess
Applies
Section E
Travel Inconvenience Cover Per Covered
Person
Maximum
for all
Covered
Persons
(when
travelling
together)
Per Covered
Person
Maximum for
all Covered
Persons
(when
travelling
together)
NIL
1. Delayed, cancelled, overbooked or missed onward
Scheduled Flight
Up to $200
after 4 hours
Up to $400
after 4 hours
Up to
$200 after
4 hours
Up to $400
after 4 hours
2. Delay of Personal Baggage checked-in on Scheduled Flight Up to $500
after 6 hours
Up to $1,000
after 6 hours
Up to $500
after 6 hours
Up to $1,000
after 6 hours
3. Extended Delay of Personal Baggage checked-in on
Scheduled Flight
Up to $500
after 6 hours
Up to $1,000
after 6 hours
Up to $500
after 6 hours
Up to $1,000
after 6 hours
Section F
Medical Emergency Expenses Cover
1. In The Event Of A Medical Emergency
Up to $2,500,000
Not Covered $250
1.a. In The Event Of A Medical Emergency (sub limit) &
Evacuation/Repatriation – costs arising as a result
of Terrorism
Up to $1,000,000
2. Emergency Dental (sub limit)
Up to $1,000
3. Repatriation/Evacuation (sub limit)
Up to $2,500,000
4. Incidental expenses each 24 hours (sub limit) Up to $50 per 24-hour
period to a maximum
of $1,200
5. Extra accommodation (room only) (sub limit) Up to $150 per 24-hour
period up to a maximum
of $1,500
6. a) Return economy airfare (sub limit)
Up to $1,500
6. b) Extra accommodation (room only) (sub limit) Up to $150 per 24-hour
period up to a maximum
of $1,500
2. In The Event Of Your death (Repatriation/Funeral/
Burial Costs)
Up to $15,000 Up to $15,000
NIL
In the event of Your death in a Schengen member state
Up to 30,000 EUR Not Covered
14
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Travel Insurance
Section of
Cover
Cover Description
Benet Limit – per Covered Person unless otherwise
stated
International Return Trip Domestic Return Trip Excess
Applies
Section G
Personal Baggage, Valuables, Money And Travel Documents
Cover (section limit)
Up to $10,000 Up to $10,000
a. Money and Travel Documents (sub limit)
Up to $500 Up to $500 $100
b. Maximum total of all Valuables (including sub limits i. to iv.);
Up to $4,000 Up to $4,000 $100
i. One (1) Smartphone (sub limit);
Up to $250 Up to $250 $100
ii. One (1) laptop (including accessories sold with the laptop)
(sub limit);
Up to $2,500 Up to $2,500 $250
iii. One (1) camera (including lenses and accessories) (sub limit);
Up to $1,000 Up to $1,000 $100
iv. Any other Valuable item (sub-limit)
Up to $1,000 Up to $1,000 $100
c. any other single item or Pair or Set of items (sub limit);
Up to $1,000 Up to $1,000 $100
Section H
Personal Liability Cover
Up to $1,000,000 Up to $1,000,000 NIL
AMERICAN EXPRESS BUSINESS CARD INSURANCE
15
Denitions
The following words when used with capital letters in this document have
the meaning given below. Wherever these words are used in plural in this
Policy, they have the same meaning as the singular form shown below.
Accidental Death means death occurring as a result of an Injury.
American Express means American Express Australia Limited
(ABN 92 108 952 085, AFS Licence No. 291313) of 12 Shelley Street,
Sydney NSW 2000, the Group Policy holder.
American Express Card Account means an account issued by American
Express Australia Limited which is current (meaning it is not suspended or
cancelled), billed from Australia and in Australian dollars for the following
card products:
(a) American Express Qantas Business Rewards Card;
(b) American Express Gold Business Card;
(c) American Express Velocity Business Card.
Appointed Claims Handler means Chubb or its claims handling agent
and/or representative.
Card Member means a person who is issued an American Express Card
Account as the primary account holder.
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, the insurer of the Group Policy held by
American Express.
Chubb Assistance means the service provider acting on behalf of Chubb
to provide emergency assistance.
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.
Covered Person means the Card Member or an Employee Card
Member, and:
1. their Spouse;
2. their Dependent Child(ren)
who meets the eligibility criteria as specied in the Eligibility Table.
Dependent Child(ren) means any child (including stepchild or adopted
child) of a Card Member, Employee Card Member or Spouse who is
primarily dependent upon the Card Member, Employee Card Member or
Spouse for maintenance and support, and who is:
a) 25 years of age or younger; or
b) of any age permanently mentally or physically incapable of self-
support, as conrmed by medical evidence from a Doctor and who is
permanently living with the Card Member or Spouse.
Dentist means a legally registered dentist who is not You or Your
Close Relative.
Doctor means a legally registered medical practitioner who is not You or
Your Close Relative.
Domestic Return Trip means a return trip within Australia that is more
than 150 kilometre radius from Your Home:
starting:
a) when You leave Your Home or Your Work (whichever occurs last) to
travel to Your destination, or
b) when You leave Your Home or Your Work (whichever occurs last) to
travel to the departure point of Your Scheduled Flight or Scheduled
Cruise; and
ending:
c) when You return to Your Home or Your Work (whichever occurs
rst); or
d) when Your trip exceeds 62 consecutive days.
Employee Card Member means a person who is issued an additional
American Express card that is connected to the Card Member’s primary
American Express Card Account (also known as a supplementary
card member).
Event(s) means an occurrence that gives rise to a claim for a benet under
Your Policy. Multiple occurrences attributable to one source or originating
cause is deemed to be one Event.
Excess is the amount You must pay for each successful claim
where indicated.
Excluded Sports and Activities means boxing; cave diving; horse
jumping; horse riding; hunting and hunting on horseback; professional
sports; canyoning; caving; diving; mountain-climbing; steeple chasing; any
form of motor racing; speed, performance or endurance tests; abseiling;
American football; bob sleigh; bungee jumping; base jumping, canoeing;
clay pigeon shooting; deep sea shing; go-karting; hang gliding; heli-
skiing; hot air ballooning; ice hockey; jet biking and jet skiing; martial arts;
micro-lighting; mountain biking o tarmac; mountaineering; parachuting;
paragliding; parascending; paraskiing; polo; quad biking; rock climbing;
SCUBA diving deeper than 30 metres; 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
3,000 metres from sea level; war games/paint ball; white water rafting;
yachting more than 20 nautical miles from the nearest coastline.
Forcible Entry means unlawful entry by forcible and violent means, as
evidenced by a broken window, damaged or picked lock, broken hinge or
door handle.
Group Policy means the group policy of insurance held by American
Express as detailed in the ‘General Information To Know About This
Policy’ section of this Policy.
Home means Your usual place of residence in Australia (where You live).
Illness means a sickness or disease which requires treatment by
a Doctor or a Dentist; it does not include an Injury or Pre-Existing
Medical Conditions.
16
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Injury means an accidental bodily injury resulting solely and directly from:
1. a sudden, external and identiable Event that happens by chance and
could not have been expected from the perspective of the Covered
Person; and
2. which occurs independently of any Illness or any other cause, and
3. causes a loss within 12 months of the accident.
It does not include an Illness or a Pre-Existing Medical Condition.
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 applicable laws
of any jurisdiction.
International Return Trip means a trip where Your destination is outside
of Australia:
starting:
(a) when You leave Your Home or Your Work (whichever occurs last) to
travel to the airport to y on Your Scheduled Flight; or
(b) when You leave Your Home or Your Work (whichever occurs last) to
travel to a harbour port to board a Scheduled Cruise; and
ending:
(c) when You return to Your Home or Your Work (whichever occurs rst)
having travelled from the airport or harbour port; or
(d) when Your trip exceeds 62 consecutive days.
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 such as a plumber, electrician, lighting or sound technician,
carpenter, painter, decorator or builder.
Medical Emergency means:
• an Injury;
• sudden and unforeseen Illness; or
• a dental issue,
suered by You while overseas on an International Return Trip, which
results in the immediate need for Treatment which cannot be reasonably
delayed until Your return to Australia without causing discomfort or risk of
aggravation in the opinion of a local treating Doctor or by
Chubb Assistance.
Money means currency, traveller’s cheques, hotel and other redeemable
holiday vouchers and petrol coupons. It does not mean cryptocurrency.
Natural Disaster means volcanic eruption, ood (more than
20,000 square metres of normally dry land), tsunami, earthquake,
landslide, cyclone, tornado or bushre. The term Natural Disaster does
not include any infectious or contagious disease or virus regardless of
transmission (including pandemic or epidemic).
One-Way Trip means any trip for which You are unable to provide evidence
of Your intention to return to Your Home or Your Work.
Pair or Set means two or more items that are:
i) used together;
ii) associated with each other; or
iii) corresponding (including attached and unattached accessories) and
regarded as 1 unit.
Permanent Disablement means a loss caused by an Injury which results
in the:
i. complete and permanent severance of a foot at or above the ankle
joint; or
ii. complete and permanent severance of a hand at or above the
wrist; or
iii. irrecoverable loss of the entire sight of an eye.
Personal Baggage means items of necessity, ornament or personal
convenience for Your individual use during the Trip, including clothing,
toiletries and personal eects worn or carried by You within a suitcase (or
similar). It does not include Valuables.
Policy means this document which details the insurance benets available
to You under the Group Policy including all relevant terms, benet limits,
conditions and exclusions.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
17
IN THE TIME PERIOD PRIOR TO MAKING YOUR
QUALIFYING TRAVEL PURCHASE
THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE
2 years requires either of the following:
1.
i. ongoing medication for treatment or risk factor control;
ii. prescribed medication from a Doctor;
iii. check-ups, consultations, reviews or progress advice (other than those recommended by a Doctor
to review a previous condition that is considered by a Doctor prior to You making Your Qualifying
Travel Purchase to be cured or in complete remission); or
iv. surgery;
or
2. is either
i. under investigation;
ii. pending diagnosis or test results; or
iii. chronic or arthritic.
3 years THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE
aects any of the following body parts:
• heart;
• brain (other than a mental health–related condition);
• liver;
• back / spine;
• kidneys;
• cardiovascular or circulatory or respiratory system;
and
where such medical condition either:
I. involved a hospital emergency visitation or being an inpatient in hospital; or
II. required or requires surgery, a specialist appointment or consultation; or
III. requires:
i. ongoing medication for treatment or risk factor control; or
ii. prescribed medication from a Doctor; or
iii. check-ups, consultations, reviews or progress advice (other than those recommended by a
Doctor to review a previous condition that is considered by a Doctor prior to You making Your
Qualifying Travel Purchase to be cured or in complete remission); or
a. is currently either:
i. under investigation; or
ii. pending diagnosis or test results.
5 years THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION, ILLNESS, INJURY OR DISEASE
related to cancer.
3 Months THE PHYSICAL DEFECT, MEDICAL OR DENTAL CONDITION,ILLNESS, INJURY OR DISEASE led to
the manifestation of symptoms where a reasonable person in the circumstances would be expected to
be aware of or a reasonable person under the circumstances would have foreseen.
Pre-Existing Medical Condition means any physical defect, medical or dental condition, illness, injury or disease that:
18
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Public Place means any place that is accessible by the public, including,
shops, buses, planes, trains, Taxis, airports, bus depots, hotel foyers,
restaurants, cafes, beaches and entertainment venues.
Public Transport means an air, land, water or rail passenger transport
that is operated by a carrier licensed for the regular transportation of fare-
paying passengers (including a Taxi, ride-hailing service, airport limousine,
aircraft or watercraft as part of a paid sightseeing tour). It does not mean
privately hired, rented or chartered air or water transport (such as private
helicopter, private jet or plane, or private watercraft).
Qualifying Purchase means:
i. a Qualifying Travel Purchase.
Qualifying Travel Purchase means:
a) If You are going on a Domestic Return Trip, You:
i. Spend $500 or more on accommodation, or
ii. Pay the full amount of Your outbound ticket for a Scheduled
Flight, Scheduled Cruise, bus or train to Your scheduled outbound
destination; or
b) If You are going on an International Return Trip, You pay the full
amount of Your outbound ticket for a Scheduled Flight or
Scheduled Cruise leaving Australia;
and You charge the payment to Your:
i. American Express Card Account; and/or
ii. corresponding American Express Membership Rewards
points/Qantas Points/Velocity Points; and/or
iii. Travel Benet.
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 consider they cannot adequately treat You
or where Chubb Assistance’s medical ocer considers local medical
facilities to be inadequate; or
3. repatriation directly to Australia when permitted by the local treating
Doctor or when recommended by Chubb Assistance’s medical ocer;
or
4. return to Australia after hospitalisation, provided that You are
deemed to be medically t for travel by the treating Doctor or by
Chubb Assistance’s medical ocer, and that Your original means of
transportation cannot be used.
Resident of Australia means an Australian citizen, or holder of an
Australian visa [including a permanent residency visa, partner/spouse visa,
Australian skilled migrant visa (including 457 and Temporary Skill Shortage
(TSS) visa), or a student visa]:
a) with a right to entry into Australia in accordance with their citizenship,
residency or visa;
b) with access to long-term medical care in Australia;
c) who has a permanent Australian residential address; and
d) who currently resides in Australia.
Scheduled Airline means airline passenger transport that operates to
a published timetable or schedule and is available to the general public.
It does not mean privately hired, rented or chartered air transport (such
private jet or plane or helicopter).
Scheduled Cruise means passenger transport that operates to a
published timetable or schedule and is available to the general public. It
does not mean privately hired, rented or chartered sea transport (such as
water taxi, private boat, cruising on a cargo ship).
Scheduled Flight means a ight in an aircraft on a Scheduled Airline.
Schengen Visa means a valid visa that enables You to enter, freely travel
within, and leave any of the Schengen member countries within Europe.
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 xed 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.
Smartphone means an electronic device used for mobile
telecommunications over a cellular network (including but not limited to,
Apple, Samsung, Huawei or similar). Smartphone does not mean tablets or
smart watches.
Spouse means the Card Member’s or the Employee Card Member’s
husband, wife, ancé or defacto.
Taxi means a vehicle with a driver for public hire for passenger
transportation, either hailed on the street or via a mobile
phone application.
Terminal Illness means a medical condition for which a terminal prognosis
has been given by a qualied Doctor and which is likely to result in death.
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
c) commission of, or threat of, an act that interferes with or disrupts
an electronic communication, information, or mechanical
system; and
2. when 1 or both of the following applies:
a) the eect 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 Benet means any travel benet or credit oered under the
American Express Card Account terms and conditions.
Travelling Companion means a person travelling with You on a trip which
has the same travel itinerary as You.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
19
Travel Documents means travel tickets, passports, visas and
driving licences.
Treatment means surgical or medical procedures performed by a
Doctor or Dentist where the sole purpose of which is to cure or relieve
Illness or Injury.
Trip means:
1. a Domestic Return Trip; or
2. an International Return Trip.
Unattended means when Your Personal Baggage, Valuables, Money, Travel
Documents or an Eligible Item are not:
a) worn or carried by You; or
b) under Your observation and within 3 metres of You.
Valuables means jewellery; furs; articles containing precious metals
or precious stones; watches; binoculars; audio equipment or devices;
photographic and electronic equipment or devices; Smartphones and
tablets; personal organisers and games consoles; laptops and external
computer devices (including all printers, modems, external hard drives
and similar).
We/Our/Us means Chubb.
Work means Your usual place of work within Australia having a xed
physical address.
You/Your means a Covered Person.
Benets
Section (A) Trip Cancellation And Amendment Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
SPECIFIC DEFINITIONS – TRIP CANCELLATION AND AMENDMENT
COVER
Cancellation means a cancellation resulting in You not starting Your Trip at
all. ‘Cancel’ and ‘Cancelled’ have the corresponding meaning.
Curtailment means cutting short Your Trip and returning to Your Home in
Australia. ‘Curtail’ and ‘Curtailed’ have the corresponding meaning.
Trip Change means any change that You must make to a Trip You have
started but that does not result in You having to return Home any earlier
than intended.
COVER – TRIP CANCELLATION AND AMENDMENT COVER
This cover section provides cover for a necessary and unavoidable
Cancellation, Curtailment or Trip Change for specied Events, as
listed below.
Please note that:
1. specied Events 1 – 10 below (except 7 c) provide cover (as specied
below) for circumstances arising from or relating to an epidemic,
pandemic or outbreak of an infectious disease or virus or any
derivative or mutation of such viruses, and
2. specied Event 11 does not provide any cover for circumstances
arising from or relating to an epidemic, pandemic or outbreak of an
infectious disease or virus or any derivative or mutation of
such viruses.
If You have a necessary and unavoidable Cancellation, Curtailment or Trip
Change due to one of the following unforeseen specied Events:
1. You or Your Travelling Companion or a person You are visiting for the
main purpose of Your Trip suering an Injury, an unforeseen Illness or
death;
2. Your Close Relative, or a Close Relative of a Travelling Companion or a
Close Relative of a person You are visiting for the main purpose of Your
Trip suering an Injury, an unforeseen Illness or dying;
3. Your redundancy which qualies for redundancy payments under
current legislation;
4. You being in the Australian armed services (military, naval or air
service) or emergency services (police, re, ambulance) and Your
leave is revoked;
5. You being called for jury service or being subpoenaed as a witness
other than in a professional or advisory capacity;
6. You being required by the police or an authority to be present at Your
Home or place of business in Australia following burglary, or local
major damage such as ood at Your Home or place of business in
Australia;
7. Y our paid transport has been cancelled by your transport provider as
a result of:
a. riot, strike, civil commotion;
b. adverse weather;
c. Natural Disaster;
d. mechanical breakdown of the transport You planned to travel on;
provided that there had been no published ocial warning, before
You make Your Qualifying Travel Purchase, that any such Event had
occurred or was likely to occur;
8. there is a Natural Disaster, or a Natural Disaster has recently
happened or is reasonably expected to happen, on the direct route to
or at Your Trip destination, provided that there had been no published
ocial warning, before You make Your Qualifying Travel Purchase, that
any such Event had occurred or was likely to occur;
9. a Natural Disaster or the imminent risk of one at Your Home in
Australia;
20
AMERICAN EXPRESS BUSINESS CARD INSURANCE
10. for Your International Return Trip, where:
a. an Australian State or Territory, the Australian Federal Government
or an Australian government agency (such as DFAT – Department of
Trade and Foreign Aairs) has upgraded a travel advisory warning,
advising You:
i. to ‘Reconsider your need to travel’ or ‘Do Not Travel’, or
ii. that borders are closed for the scheduled destination You planned
to travel, or
iii. that mandatory quarantine is required at Your destination;
or
b. an Australian state or territory public health authority has:
i. classied You as having close contact with a person diagnosed with
an infectious disease or virus which is classied as an epidemic or
pandemic; and
ii. directed You into a period of quarantine as a result of this contact;
or
c. an Australian State or Territory, the Australian Federal Government or
an Australian government agency (such as DFAT) has implemented a
lockdown order (encompassing stay-at-home orders or the restriction
of movement of people into or out of a dened geographic region) and
the order applies to the geographic region where Your Home is;
and
the warning was published or the order was given after You:
i. make Your Qualifying Travel Purchase in the case of a claim for
Cancellation; or
ii. start Your Trip in the case of a claim for Curtailment or Trip Change;
11. for Your Domestic Return Trip, where an Australian State or Territory
Government or government agency has issued an ocial written
government statement advising You:
i. not to travel to Your destination; or
ii. that borders are closed for the destination You have planned to
travel to;
except due to circumstances arising from or relating to an epidemic,
pandemic or outbreak of an infectious disease or virus or any derivative
or mutation of such viruses;
and the warning was published after You:
i. make Your Qualifying Travel Purchase in the case of a claim for
Cancellation; or
ii. started Your Trip in the case of a claim for Curtailment or Trip Change;
We will pay up to the maximum relevant cover section limit inclusive of sub
limits as shown in the Schedule of Benets for:
a. non-refundable and unused:
i. deposits that You have paid in advance;
ii. excursion costs that You have paid in advance;
iii. travel and accommodation costs that You have paid in advance;
b. non-refundable travel agents’ commission;
c. any other reasonable additional travel or accommodation expenses
for a Trip Change or Curtailment;
however, where You have incurred both additional travel or accommodation
expenses as well as forfeited expenses, only the greater of these expenses
is payable under this Policy.
For example, if You forfeited pre-paid accommodation for a particular night,
but also incur additional accommodation expenses for the same night,
only the highest amount will be payable.
TERMS AND CONDITIONS – TRIP CANCELLATION AND AMENDMENT
COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy.)
1. Claims for Injury or Illness will require conrmation in writing by a
treating Doctor conrming the Injury or Illness. If a written conrmation
is not provided, You must provide evidence that You have taken
reasonable steps to obtain the written conrmation, such as emails, call
logs or other reasonable evidence.
2. Claims for death will require a death certicate conrming cause of
death. If a death certicate is not provided, You must provide evidence
that You have taken reasonable steps to obtain the death certicate,
such as emails, call logs or other reasonable evidence.
3. Where the purchase of an airplane, ship, bus or train ticket (or part
thereof) was done so using membership rewards points or similar points
and the loss of such points cannot be recovered from any other source
(within a reasonable timeframe and after making reasonable eorts
have been made to seek recovery), We will calculate the loss by using the
retail price associated with the travel provider of the issued ticket at the
time the ticket was purchased.
4. You must take reasonable steps to recover any refund, credit note or
voucher You are entitled to. Where You have received or been oered a
refund, credit note or voucher for the cost of a booking, whether partially
or in full, the amount oered or received is to be considered refundable.
You are only eligible for cover under this cover section for non-refundable
and unused costs.
EXCLUSIONS – TRIP CANCELLATION AND AMENDMENT COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy.)
We will not pay for or reimburse any costs arising from or relating to:
1. You or any other person simply changing their mind and deciding not to
start a Trip, continue with the Trip or any other disinclination to travel;
2. Pre-Existing Medical Conditions (whether Yours, Your Travelling
Companion’s or a Close Relative’s) except when You make a
Cancellation, Curtailment or Trip Change due to the death of a Travelling
Companion or Close Relative’s and provided the death was not as a
result of a Terminal Illness;
3. the death, Injury, unforeseen Illness of any Close Relative or Travelling
Companion who is 91 years of age or older when You made Your
Qualifying Travel Purchase;
4. costs where a refund, credit note or voucher has been received or
oered for those costs;
AMERICAN EXPRESS BUSINESS CARD INSURANCE
21
5. additional costs incurred due to Your failure to notify the carrier or travel
agent as soon as reasonably practicable that Your Trip is to be Cancelled
or Curtailed;
6. any government regulation, prohibition or restriction, including but not
limited to:
a. Your failure to hold or obtain a valid passport, visa, or other required
documentation prior to commencing Your Trip;
b. Travel advisories, border closures, mandatory quarantine, public
health directives to quarantine or lockdown orders which occurred
before You:
i. made Your Qualifying Travel Purchase in the case of a claim for a
Cancellation; or
ii. started Your Trip in the case of a claim for a Curtailment or
Trip Change;
c. border closures or government advice not to travel which relate to an
epidemic, pandemic or outbreak of an infectious disease or virus or
any derivative or mutation of such viruses for a Domestic Return Trip;
7. where You do not meet the vaccination protocols required by a transport
provider or an Australian State, Territory or the Australian Federal
Government or the government of any destination You had planned to
travel to before they allow You to board the Public Transport;
8. Your failure to check in at the required time for any ight, sea crossing,
train or bus journey which is within Your control;
9. Cancellation caused by Your work commitments, or amendment of Your
entitlement by Your employer, unless You are a member of the Australian
armed services (military, naval or air service) or emergency services
(police, re, ambulance) and the expense or cost was incurred as a result
of Your leave being revoked;
10. travel or accommodation costs for anyone who is not a Covered Person;
11. costs incurred in respect of any medical condition where You are
unable to supply a medical certicate from Your treating Doctor
conrming Cancellation, Curtailment or Trip Change was necessary and
unavoidable. If a written conrmation is not provided, You must provide
evidence that You have taken reasonable steps to obtain the written
conrmation, such as emails, call logs or other reasonable evidence;
12. Your nancial circumstances or any contractual or business obligation;
13. the failure of Your travel agent to pass on monies to operators or to
deliver promised services;
14. the Insolvency 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;
15. additional transportation or accommodation expenses which are
payable under another section or benet of this Policy;
16. any circumstances that were foreseeable, avoidable, unnecessary or
within Your control:
a. at the time You made Your Qualifying Travel Purchase in the case of
Cancellation, or
b. before You start Your Trip in the case of Curtailment or Trip Change.
EXCESS – TRIP CANCELLATION AND AMENDMENT COVER
As noted in the Schedule of Benets.
Section (B) Card Account Balance Waiver Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – CARD ACCOUNT BALANCE WAIVER COVER
Payment of outstanding balance of American Express Card Account
If You suer a loss under Section (D) Public Transport Accident Cover, then
We will pay the applicable benet amount as shown in the Schedule of
Benets as at the time of the accident (including American Express Card
Account charges incurred prior to the accident and not yet billed).
EXCLUSIONS - CARD ACCOUNT BALANCE WAIVER COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy.)
We will not pay for or reimburse any costs arising from or relating to:
1. any charges on Your American Express Card Account which are more
than 90 days overdue for payment at the time of the accident.
EXCESS - CARD ACCOUNT BALANCE WAIVER COVER
As noted in the Schedule of Benets.
Section (C) Business Trip Completion Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
SPECIFIC DEFINITIONS – BUSINESS TRIP COMPLETION COVER
Alternative Employee Expenses means all reasonable expenses
necessarily incurred in sending a substitute person to complete Your
original Trip and objectives.
COVER – BUSINESS TRIP COMPLETION COVER
1. Alternative Employee Expenses
If during Your Trip, Your company incurs Alternative Employee Expenses as
a direct result of:
(a) Your Accidental Death; or
(b) Your Injury or Illness which:
(i) rst occurs on the Trip,
(ii) a Doctor certies is likely to last the entire duration of Your
Trip, and
(iii) entirely prevents You from completing the business objectives of
Your Trip; or
(c) the accidental death of a Close Relative where the Close Relative
is 90 years of age or younger before You make Your Qualifying
Travel Purchase;
22
AMERICAN EXPRESS BUSINESS CARD INSURANCE
We will pay expenses incurred for:
a) return airfares at the same class as the original ticket; and
b) additional accommodation and meal expenses; and
c) other essential transportation expenses of the substitute person;
up to the maximum relevant cover section inclusive of sub limits as shown
in the Schedule of Benets.
EXCLUSIONS - BUSINESS TRIP COMPLETION COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy.)
We will not pay for or reimburse any costs arising from or relating to:
1. privately hired, rented or chartered air or sea transport;
2. the accidental death of a Close Relative or Travelling Companion who is
91 years of age or older when You make Your Qualifying Travel Purchase.
EXCESS - BUSINESS TRIP COMPLETION COVER
As noted in the Schedule of Benets.
Section (D) Public Transport Accident Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – PUBLIC TRANSPORT ACCIDENT COVER
1. Accidental Death or Permanent Disablement arising while travelling
as a passenger on Public Transport
If during Your Trip, You sustain an Injury that results in an Accidental Death
or Permanent Disablement described in the Schedule of Benets as a
result of:
• travelling as a passenger on Public Transport; or
• boarding or disembarking from Public Transport; or
• being struck by Public Transport;
We will pay the corresponding benet amount noted in the Schedule
of Benets.
2. Accidental Death or Permanent Disablement arising while in a
departure terminal or destination terminal
If during Your Trip, You sustain an Injury that results in an Accidental
Death or Permanent Disablement described in the Schedule of Benets
while at Your ticketed departure or destination terminal of a Public
Transport, We will pay the corresponding benet amount noted in the
Schedule of Benets.
3. Accidental Death or Permanent Disablement arising from exposure
If during Your Trip, You sustain an Injury due to exposure to weather
conditions that results in an Accidental Death or Permanent Disablement
described in the Schedule of Benets due to the disappearance, sinking or
wrecking of the Public Transport on which You were travelling, We will pay
the corresponding benet amount noted in the Schedule of Benets.
4. Accidental Death arising from disappearance while travelling
on Public Transport
If during Your Trip, You disappear due to the disappearance, sinking or
wrecking of the Public Transport on which You were travelling, and Your
body has not been found within 12 months, You will be deemed to have
died at the time of Your disappearance and We will pay the corresponding
Accidental Death benet amount noted in the Schedule of Benets.
TERMS AND CONDITIONS – PUBLIC TRANSPORT ACCIDENT COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy.)
1. Benets will be paid in Australian dollars to You, and in the case of Your
Accidental Death, to Your estate.
2. We will only pay one benet type (i-vii in the Schedule of Benets) for
each Event, even if multiple benet types apply. If multiple benet types
apply, We will pay the benet type with the highest benet amount.
3. Claims for Permanent Disablement will require conrmation in writing
by a treating Doctor as soon as reasonably possible. Medical certicates
must be provided at your own cost.
4. Claims for Accidental Death will require a death certicate conrming
cause of death.
5. If You are also entitled to make a claim from Us under a separate
insurance policy on another American Express Card, We will only make 1
payment in relation to the accident and loss in question. In that instance,
We will pay the highest benet amount applicable.
EXCLUSIONS – PUBLIC TRANSPORT ACCIDENT COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy.)
We will not pay for or reimburse any costs arising from or relating to:
1. the Accidental Death or Permanent Disablement of a person who is not a
Covered Person;
2. when travelling on privately hired, rented or chartered transport.
EXCESS – PUBLIC TRANSPORT ACCIDENT COVER
As noted in the Schedule of Benets Table
Section (E) Travel Inconvenience Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – TRAVEL INCONVENIENCE COVER
1. Delayed, cancelled, overbooked or missed onward ight
If during Your Trip:
a) Your Scheduled Flight is delayed or cancelled by 4 hours or more; or
b) You are denied boarding on Your Scheduled Flight due to over-booking
of the aircraft, and no alternative ight is made available to You within
4 hours of the scheduled departure time of such ight; or
AMERICAN EXPRESS BUSINESS CARD INSURANCE
23
c) You missed Your onward connecting Scheduled Flight at the transfer
point due to the late arrival of Your incoming connecting Scheduled
Flight, and no alternative onward ight is made available to You within
4 hours of the actual arrival time of the incoming ight;
We will reimburse You for additional hotel accommodation (room only)
and restaurant meals or refreshments up to the maximum relevant cover
section limit inclusive of sub-limits as shown in the Schedule of Benets.
2. Delay of Personal Baggage checked-in on Scheduled Flight
If during Your Trip, Your Personal Baggage which You have checked in on a
Scheduled Flight:
(a) is not delivered within 6 hours of Your arrival at the scheduled
destination point; and
(b) You are not at the airport You rst departed from in Your Home’s
State or Territory in Australia;
We will reimburse You for the emergency purchase of essential clothing
and toiletries up to the maximum relevant cover section limit inclusive of
sub-limits as shown in the Schedule of Benets.
3. Extended Delay of Personal Baggage checked-in on
Scheduled Flight
If during a Trip, Your Personal Baggage which You have checked in on a
Scheduled Flight:
(a) is not delivered to You by the airline provider within 48 hours of Your
arrival at the scheduled destination point; and
(b) You are not at the airport You rst departed from in Your Home’s State
or Territory in Australia;
We will reimburse You for the reasonable emergency purchase of essential
items up to the maximum relevant cover section limit inclusive of sub-
limits as shown in the Schedule of Benets.
TERMS AND CONDITIONS - TRAVEL INCONVENIENCE COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy).
1. Should more than one (1) person claim under the benets of this section
in relation to the same Event, We will pay a maximum of double the
benet limits specied.
2. In the event of a claim, You must provide Us with invoices and/
or receipts.
3. Claims for lost or delayed luggage must be reported to the transport
provider or carrier and a property irregularity report (such as a luggage
incident report) obtained where reasonably possible. If a property
irregularity report or incident report is not provided, You must provide
evidence that You have taken reasonable steps to obtain a report, such
as emails, call logs or other reasonable evidence. A copy of any property
irregularity report obtained from the airline must be supplied to Us
together with the following information:
a. full details of the ight (airline, ight numbers, departure airport,
destination, scheduled ight times and arrival airport);
b. details of the delay or loss incurred; and
c. full details of expenses for which reimbursement is claimed.
EXCLUSIONS - TRAVEL INCONVENIENCE COVER
(Please also refer to the General Exclusions applicable to All Sections
within this Policy).
We will not pay for or reimburse any costs arising from or relating to:
1. the conscation or requisition of any items by any customs agency or
other government authorities;
2. the purchase of clothing or toiletries that are not reasonably
necessary for Your Trip;
3. any lost or delayed Personal Baggage where a property irregularity
report (such as a luggage incident report) is not provided and where
You are unable to provide evidence that You have taken reasonable
steps to obtain one. Such evidence includes emails and call logs to the
transport provider or other reasonable evidence;
4. Personal Baggage delay or extended Personal Baggage delay in
the airport You rst departed from in Your Home’s State or Territory
in Australia.
EXCESS - TRAVEL INCONVENIENCE COVER
As noted in the Schedule of Benets.
Section (F) Medical Emergency Expenses Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – MEDICAL EMERGENCY EXPENSES COVER
1. In The Event Of A Medical Emergency – International Return
Trip only
If during Your International Return Trip (except when You are in Australia),
You have a Medical Emergency resulting from an Injury or Illness, which
is not a Pre-Existing Medical Condition, We will pay or reimburse the
reasonable expenses for:
1. Your emergency medical Treatment and hospital costs;
2. Your emergency dental Treatment to natural teeth;
3. Your Repatriation/Evacuation costs if approved by Chubb Assistance
(such approval not to be unreasonably withheld or delayed) following
consultation with the treating Doctor;
4. Your incidental expenses, such as food and toiletries expenses, which
You may incur as a result of being hospitalised as an in-patient for each
complete 24-hour period;
5. reasonable extra accommodation costs (room only) for You and any
person who stays or travels with You to provide support or care, as
reasonably agreed by Chubb Assistance;
6. if You are travelling alone:
a) a return economy airfare; and
b) extra accommodation (room only);
for Your friend or Close Relative to stay with You as reasonably agreed by
Chubb Assistance.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
24
The maximum We will pay under the Medical Emergency Expenses Cover
is the maximum relevant cover section limit inclusive of sub limits as
shown in the Schedule of Benets. However, We will stop paying costs and
expenses prior to that limit being reached if You:
(i) return to Australia; or
(ii) are declared t to return to Australia by a treating Doctor or by Chubb
Assistance’s medical ocer, but choose to remain overseas.
2. In The Event Of Your Death
If You die during Your Trip, Chubb Assistance will organise, arrange and pay
for the reasonable costs up the maximum relevant cover section inclusive
of sub limits as shown in the Schedule of Benets for:
a) transportation of Your remains to an airport of Your Home’s State or
Territory in Australia; or
b) cremation and subsequent transportation of Your remains to an
airport of Your Home’s State or Territory in Australia; or
c) local (in the country of Your death) burial.
If You hold a valid Schengen Visa and in the event of Your death in
a Schengen member state during Your International Return Trip, the
maximum amount We will pay in total will not exceed 30,000 EUR for
expenses incurred in that Schengen member state for Your burial
or cremation.
In an emergency:
You should contact Chubb Assistance as soon as reasonably possible
when an emergency arises on +61 2 8907 5666 and provide Your
American Express Card Account number, as much information as
possible and a telephone or fax number where You can be contacted.
If Your medical condition prevents You from calling, if possible,
someone else should call on Your behalf, such as a relative, Your
Travelling Companion, nurse or Doctor.
If You do not make reasonable attempts to 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 some or all of Your medical expenses
(to the extent that those medical expenses could otherwise have been
reduced through preferred medical providers arranged by
Chubb Assistance).
TERMS AND CONDITIONS – MEDICAL EMERGENCY EXPENSES
COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy.)
1. You must be seventy-nine (79) years of age or younger when You make
Your Qualifying Travel Purchase.
2. We will not be liable to pay or reimburse You for any medical Treatment,
hospital costs, dental Treatment or any other ancillary Treatment (i.e.
physiotherapy) that are incurred in Australia.
3. You must take all reasonable measures to avoid or minimise any claim,
to follow all applicable care and safety procedures notied to You by a
treating Doctor or Chubb Assistance’s medical ocer, to obtain help or
assistance as soon as reasonably possible and avoid danger, except in an
attempt to save human life.
4. You must make all reasonable attempts to call Chubb Assistance
before seeking overseas emergency medical Treatment. If Your medical
condition prevents You from calling, if possible, someone else should call
on Your behalf, such as a relative, Travelling Companion, nurse or Doctor.
If You do not make reasonable attempts to call Chubb Assistance before
seeking emergency medical Treatment, or You chose to seek treatment
from a medical service provider not approved by Chubb Assistance, You
may be responsible for Your medical expense costs to the extent that
those medical expenses could otherwise have been reduced through
preferred medical providers arranged by Chubb Assistance. You will
need to provide evidence that You have attempted to contact Chubb
Assistance, such as call logs or other reasonable evidence.
5. In the event of an overseas Medical Emergency, We will arrange Your
transportation to the nearest hospital or evacuate You to the nearest
adequately equipped hospital in the event that local medical facilities are
inadequate (in the opinion of sta at the local medical facility or Chubb
Assistance’s medical ocer).
6. If Your original means of transportation cannot be used, We will
repatriate You directly to Australia when You are deemed medically
t to travel by the local treating Doctor or by Chubb Assistance’s
medical ocer.
7. We will repatriate or evacuate You to Australia by the quickest and most
direct route as determined by the treating Doctor or as recommended
by Chubb Assistance’s medical ocer. However, if You chose to be
repatriated or evacuated without rst discussing this with Chubb
Assistance, You may be responsible for any costs to the extent that
those Repatriation/Evacuation costs could otherwise have been reduced
through preferred medical providers arranged by Chubb.
8. To understand the extent of Your Injury or Illness and what treatment
or Repatriation/Evacuation, if any, is required, we may seek a second
independent Doctor or Dentist to review and conrm what medical
treatment, expenses or Repatriation/Evacuation is appropriate.
EXCLUSIONS – MEDICAL EMERGENCY EXPENSES COVER
(Please also refer to the General Exclusions applicable to All Sections
within this Policy.)
We will not pay for or reimburse any costs arising from or relating to:
1. Your Pre-Existing Medical Condition(s);
2. any medical Treatment, hospital costs, dental Treatment, Repatriation/
Evacuation costs or any other ancillary Treatment (i.e. physiotherapy)
that is incurred in Australia;
3. Your failure to make any reasonable attempt to contact Chubb
Assistance where You were reasonably able to do so;
4. Your participation in Excluded Sports and Activities;
5. participation in a sporting event that has an appearance fee, wage, salary
or prize money which in total is equal to fteen percent (15%) or more of
Your annual income from all sources. Participation includes training for,
coaching or otherwise competing in that sporting event;
6. dental treatment caused by or related to the deterioration and/or decay
of teeth or associated tissue;
7. dentures, crowns and orthodontics;
8. routine medical or dental treatment or prenatal visits;
9. Treatment or prescription medication (including medication and ongoing
immunisations) that started prior to Your International Return Trip;
AMERICAN EXPRESS BUSINESS CARD INSURANCE
25
10. Treatment performed by Close Relatives, except in a life-threatening
emergency;
11. You remaining overseas after Chubb Assistance conrms, based on
medical evidence from the treating Doctor, that You are t to travel and
can return to Australia;
12. an International Return Trip involving pre-planned Treatment, or for the
purpose of obtaining Treatment, and Treatment for cosmetic reasons,
unless Chubb Assistance’s medical ocer agrees that such Treatment
is necessary as a result of any covered accident;
13. You engaging in Manual Work;
14. any costs incurred in a destination where an Australian State, Territory
or the Australian Federal Government or an Australian government
agency (such as DFAT) has issued or upgraded a travel advisory
warning, advising You to ‘Do Not Travel’ or that borders are closed,
for the destination You planned to travel to and this occurred prior
to You starting Your International Return Trip. This exclusion applies
even if You have been granted a travel exemption by an Australian
State or Territory, the Australian Federal Government or an Australian
government agency (such as DFAT) to travel.
EXCESS – MEDICAL EMERGENCY EXPENSES COVER
As noted in the Schedule of Benets.
Section (G) Personal Baggage, Valuables, Money And Travel
Documents Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL
DOCUMENTS COVER
If during Your Trip, Your:
Accidental Damage
1. Personal Baggage, Valuables or Travel Documents are accidentally
damaged or destroyed; or
Accidentally Lost
2. Personal Baggage, Valuables, Money or Travel Documents are
accidentally lost; or
Stolen from Hold
3. Personal Baggage or Travel Documents are stolen when they have been
checked in or stowed in the luggage hold of an airplane, ship, bus or
train, where You had no access to that Personal Baggage until the end of
the transport; or
Stolen from Designated Storage Area
4. Personal Baggage, Valuables, Money or Travel Documents are stolen
when they have been stowed in a specially designated area (such as
overhead compartment, luggage rack or hotel storage room) on an
airplane, ship, bus or train transport or with an accommodation
provider; or
Stolen from Locked Accommodation
5. Personal Baggage, Valuables, Money or Travel Documents are
stolen from Your locked accommodation (excluding motor vehicle
accommodation) where the accommodation was reasonably able to be
locked; or
Stolen from Motor Vehicle
6. Personal Baggage (excluding Valuables or Money) or Travel Documents
left Unattended are stolen from a motor vehicle, where:
a. items were locked out of sight in a Secure Area; and
b. Forcible Entry has been used by an unauthorised person to gain entry
to the vehicle; and
c. evidence of such Forcible Entry is available; or
Stolen from You
7. Personal Baggage, Valuables, Money or Travel Documents which are:
a. carried by You; or
b. under Your observation and within 3 metres of You,
are stolen,
We will, after We deduct the Excess from Your claim, do one of the
following:
• pay You the reasonable costs for the item to be repaired if it is practical
and economic for the item to be repaired;
• if it is not practical and economic to repair the item, We will pay You to
replace the item with the same or nearest type if the item is available
(i.e. make and model);
• if the item cannot be repaired or replaced by You, We will pay You the
lesser of:
i. the depreciated (which includes wear and tear) value of the item; or
ii. the current replacement cost of the item;
up to the maximum relevant cover section limit inclusive of sub limits as
shown in the Schedule of Benets.
TERMS AND CONDITIONS – PERSONAL BAGGAGE, VALUABLES,
MONEY AND TRAVEL DOCUMENTS COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy.)
1. Any payment will be based on the item’s depreciated value, repair
cost (to the condition before the loss) or current replacement cost, as
outlined directly above.
2. You must take all reasonable precautions for the safety and supervision
of Your Personal Baggage, Valuables, Money and Travel Documents.
3. Any claims to a Pair or Set; if You agree to surrender the undamaged
item(s) of the Pair or Set to Us and We agree to accept them, We will pay
You the current replacement cost of the entire Pair or Set. If You do not
agree to surrender the undamaged items, 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 or undamaged items and
pay for postage.
5. Theft of Personal Baggage (excluding Valuables or Money) or Travel
Documents left Unattended in a motor vehicle is subject to the following:
26
AMERICAN EXPRESS BUSINESS CARD INSURANCE
a. items must be locked out of sight in a Secure Area, and
b. Forcible Entry must have been used by an unauthorised person to gain
entry to the vehicle, and
c. evidence of such entry is available.
6. To support all claims, You must supply a copy of the item’s purchase
receipt or invoice, or an alternative written or printed proof of the
purchase price or value.
7. You must report loss, theft or criminal damage to the:
a. local police; or
b. appropriate issuing authority (in the case of Travel Documents),
and a written report obtained where reasonably possible. If a written
report is not provided, You must provide evidence that You have taken
reasonable steps to report the loss, theft or criminal damage including
details of the time and place You made the report, and the name and
contact details of who You reported the loss, theft or criminal damage to
(to the extent such details are within Your power to provide).
8. Claims for damaged items in transit must be reported to the carrier, tour,
transport or accommodation provider and a written report obtained
where reasonably possible. If a written report is not provided, You must
provide evidence that You have taken reasonable steps to obtain a
report, such as emails, call logs or other reasonable evidence to the
travel or accommodation provider.
Items
Deduction for each month of age of the item at the
time of Event
Maximum Application Depreciation
Electronic equipment 2.5% 65%
Camera (including accessories) 2.5% 65%
Sunglasses 1.5% 65%
Smartphone 2.5% 65%
Laptop 2.5% 65%
Jewellery 0% 0%
Sports equipment 2.0% 65%
Cosmetics 2.5% 65%
Clothing 1.9% 65%
Other personal items 1.5% 65%
9. Benets will not be payable under more than one section or benet of
this Policy as a result of one Event. We will, however, pay the benet type
with the highest benet amount.
DEPRECIATION – PERSONAL BAGGAGE, VALUABLES, MONEY AND
TRAVEL DOCUMENTS COVER
We will apply depreciation (wear and tear) to determine the value of Your
Personal Baggage and Valuables as specied in the table below.
Depreciation considers an item’s age, damage or change that is caused to
an item when it is used normally. Depreciation will be calculated from the
date of purchase of the item until the date of claimable Event, based on the
original purchase price.
For example, If You purchased a Smartphone for $1,000, went on a Trip and
the phone was stolen, We will calculate the number of months between the
date You purchased Your phone and the claimable Event date. Suppose the
number of months is 6, We will calculate the depreciation as follows:
• (-Excess) + purchase price – deprecation = amount payable
• Number of months = 6
• 6 multiplied by depreciation for Smartphone of 2.5% = 15%
• Depreciation: $1,000 multiplied by 15% = $150
• Amount payable for Your stolen Smartphone: (-250) + $1,000 - $150 =
$600
Depreciation Table
AMERICAN EXPRESS BUSINESS CARD INSURANCE
27
EXCLUSIONS – PERSONAL BAGGAGE, VALUABLES, MONEY AND
TRAVEL DOCUMENTS COVER
(Please also refer to the General Exclusions Applicable to all Sections
within this Policy).
We will not pay for or reimburse any costs arising from or relating to:
1. any items loaned, hired or entrusted to You;
2. loss, theft, criminal damage where there is insucient evidence that You
have taken reasonable steps to report the incident to the local police or
appropriate issuing authority (in the case of Travel Documents). Such
evidence includes details of the time and place You made the report, and
the name and contact details of who You reported the loss, theft
or criminal damage to (to the extent such details are within Your power
to provide);
3. damaged items in transit where a written report from the carrier, tour,
transport or accommodation provider is not provided and where You
are unable to evidence that You have taken reasonable steps to obtain
a written report from the carrier, tour, transport or accommodation
provider. Such evidence includes emails and call logs to the carrier, tour,
transport or accommodation provider or other reasonable evidence;
4. electrical or mechanical breakdown of items;
5. items left Unattended in a Public Place (unless You have no option
other than to leave the items Unattended due to an emergency medical,
security or evacuation situation);
6. Valuables or Money left Unattended in a motor vehicle (unless You have
no option other than to leave the items Unattended due to an emergency
medical, security or evacuation situation);
7. Personal Baggage or Travel Documents left Unattended and which are
stolen from a motor vehicle if the items have not been locked in the
Secure Area (unless You have no option other than to leave the Personal
Baggage or Travel Documents Unattended due to an emergency medical,
security or evacuation situation);
8. Valuables or Money within Your Personal Baggage checked in or stowed
in the luggage hold of an airplane, ship, bus or train;
9. atmospheric or climatic conditions, wear and tear (damage that
naturally and inevitably occurs as a result of normal wear or ageing),
vermin, insects, rodents or any process of cleaning, repairing, restoring
or alteration;
10. any business goods or specialised equipment relating to a trade
or profession;
11. the conscation or destruction by order of any government or
public authority;
12. any items sent under the provisions of any freight contract, postal,
courier or similar service;
13. damage to fragile or brittle items unless caused by re or resulting from
an accident to an aircraft, sea vessel or motor vehicle;
14. any drones, sporting equipment, bicycles, surfboards or waterborne
craft (including their ancillary equipment) of any description whilst
in use;
15. any motor vehicle, motor vehicle accessories or parts, motorised or
propelled vehicles such as scooters, electric bicycles or golf buggies;
16. shortages, errors, omissions, depreciation in value in respect of Money
and Travel Documents;
17. any bonds, coupons, gift cards, stamps, vouchers, warranties, pre-
loaded or rechargeable cards including but not limited to phone, debit or
stored value cards;
18. loss of Money or Valuables from Your accommodation; unless evidence
is available of unauthorised entry to Your accommodation; for example:
evidence of Forcible Entry, key entry recording or CCTV footage;
19. any of the following: animals or plant life, antiques and historical
artefacts, securities or documents of any kind other than those within
the denition of Money and Travel Documents, china, consumable or
perishable items, contact or corneal lenses, dentures, glass, hearing
aids, keys, musical instruments, pictures, photos;
20. lost or stolen cryptocurrency.
EXCESS – PERSONAL BAGGAGE, VALUABLES, MONEY AND TRAVEL
DOCUMENTS COVER
As noted in the Schedule of Benets.
Section (H) Personal Liability Cover
This benet is only available when You meet the eligibility criteria set out in
the Eligibility Table.
Please refer to the Schedule of Benets within this Policy to conrm the
amount of cover available under this section.
COVER – PERSONAL LIABILITY COVER
1. Personal Liability Cover
If during Your Trip, You become unintentionally legally liable to pay
compensation to someone (other than a member of Your family or a Close
Relative) as a result of:
1. an injury or death to that person; or
2. accidental physical damage or loss to someone else’s
tangible property
We will pay or reimburse costs up to the maximum relevant cover section
limit inclusive of sub-limits as shown in the Schedule of Benets for:
a. Your legal costs;
b. damages that are recoverable from You;
c. costs that are incurred with Our consent (which will not be
unreasonably withheld or delayed);
d. costs for legal representation at any coroner’s inquest or fatal
accident inquiry or in a court of summary jurisdiction.
TERMS AND CONDITIONS – PERSONAL LIABLITY COVER
(Please also refer to the General Conditions Applicable to all Sections
within this Policy.)
1. You must not admit liability, negotiate, make any promise, payment
or settlement without Our prior written consent (which will not be
unreasonably withheld, delayed or conditioned).
28
AMERICAN EXPRESS BUSINESS CARD INSURANCE
2. You must as soon as reasonably possible once 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.
3. We may at any time make full and nal settlement of any claim at Our
cost up to the maximum limit as shown in the Schedule of Benets
pursuant of this Personal Liability Cover. 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.
4. We may make any investigation We deem necessary.
EXCLUSIONS – PERSONAL LIABILITY COVER
(Please also refer to the General Exclusions Applicable to All Sections
Within This Policy.)
We will not pay for or reimburse any costs arising from or relating to:
1. You intentionally incurring any liability;
2. injury to any person who is a member of Your family, a Close Relative or
under a contract of service or apprenticeship with You;
3. 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, a
Close Relative, 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;
4. liability You incur under a contract or agreement which You would not
have in the absence of such contract or agreement;
5. any unlawful, willful or malicious act by You and including any assault
and/or battery committed by You;
6. aggravated, exemplary or punitive damages or the payment of any ne
or penalty;
7. liability arising out of the transmission of a sexually transmittable
disease or passing on an illness, virus or disease to another person;
8. liability arising directly or indirectly out of the ownership, possession,
control or use by You or on Your behalf of:
a. mechanically propelled vehicles, aircraft (including drones),
hovercraft or watercraft (other than non-mechanically propelled
watercraft less than 10 metres in length);
b. rearms; or
c. animals (other than horses and domestic pets);
9. 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;
10. liability arising directly or indirectly from Excluded Sports and Activities.
EXCESS – PERSONAL LIABILITY COVER
As noted in the Schedule of Benets.
General Exclusions Applicable to Sections A–H Above
These exclusions apply to all covers described in this Policy unless
specied otherwise. They are listed in no particular order. There are also
specic exclusions which You can nd under each cover section.
Common Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
1. any person who is not a Resident of Australia;
2. any costs with respect to Cuba;
3. 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;
4. Insolvency 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;
5. any loss of enjoyment or any nancial loss not specically covered
under this Policy;
6. any loss which is recoverable from any other source including
another insurance policy covering the same Event or through
compensation under any other workers compensation act,
transport accident laws or any other applicable similar legislation
or by Government sponsored fund, plan, medical benet scheme
required to be eected by or under a law;
Medical and Health Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
7. any Pre-existing Medical Conditions;
8. You, a Travelling Companion’s or Close Relative’s Terminal
Illness which was diagnosed before You made Your Qualifying
Travel Purchase;
9. any costs arising directly from You being unt to travel if You knew,
or a reasonable person in Your circumstances would have known,
that You were unt to travel (whether or not You had sought
medical advice);
10. Treatment from, or medical advice given, by a legally registered
doctor or a legally registered dentist who is You or Your Close
Relative except in a life-threatening emergency;
Trip Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
11. circumstances when after You made Your Qualifying Travel Purchase,
You start a Trip against the following advice:
i. for an International Return Trip: when an Australian State or
Territory or the Australian Federal Government or an Australian
government agency (such as DFAT) have issued a travel advisory
warning, advising You to ‘Do Not Travel’ or that borders are
closed, for the destination You planned to travel to. Please refer
AMERICAN EXPRESS BUSINESS CARD INSURANCE
29
to who.int, smartraveller.gov.au, dfat.gov.au or other government
sites for further information. This exclusion applies even if You
have been granted a travel exemption by an Australian State or
Territory, the Australian Federal Government or an Australian
government agency (such as DFAT) to travel;
ii. for a Domestic Return Trip: when an Australian State,
Territory, the Australian Federal Government or an Australian
government agency (such as DFAT) have issued an ocial
written government statement advising You not to travel to Your
destination, or that borders are closed for the destination You
had planned to travel to; or
iii. when a Doctor has deemed You unt to travel;
12. Trips that do not start and end in Australia;
13. any One-Way Trip where You are unable to provide reasonable
evidence of Your intention to return to Your Home or Your Work. Such
evidence may include providing copies of a return ticket, itinerary or
schedule, return transfer or accommodation bookings, conrmation
of return to Work dates;
14. Trips you take if You are 80 years of age or older when You made
Your Qualifying Travel Purchase;
15. a Domestic Return Trip that is less than 150 kilometre radius from
Your Home;
Conduct Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
16. being under the inuence of alcohol whilst operating a motor
vehicle, where You have a recorded blood alcohol concentration
(BAC) greater than the limit prescribed by the applicable governing
authority, or at all other times having a recorded blood alcohol
concentration (BAC) greater than 0.10%;
17. taking of any drug, medication, narcotic or hallucinogen, unless
as prescribed by a Doctor and taken in accordance with the
prescription and Doctors’ advice but is not for the treatment of
addiction to illegal drugs;
18. intentionally self-inicted injury or suicide (or any attempt thereof);
19. commission of or attempt to commit an illegal act by or on behalf
of You or Your beneciaries. This exclusion does not apply to any
Covered Person who is not the perpetrator of any such illegal act, or
who did not know of or condone any such act;
Activity Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
20. Your participation, involvement or taking part in Excluded Sports
and Activities while on a Trip;
21. any costs where You are participating in a sporting event with
an appearance fee, wage, salary or prize money which in total is
an amount equal to 15% of Your annual income from all sources.
Participation includes training for, coaching or otherwise competing
in that sporting event;
22. travel into hazardous work sites (e.g. underwater, mines,
construction sites, oilrigs, etc.);
23. service in armed forces (military, naval or air service) of
any country;
24. participation in any military or emergency services such as police
or re-ghting;
25. activities undertaken as an operator or crew member of any form
of transport;
26. ying in military aircraft or any aircraft which requires special
permits or waivers;
27. You are riding a motorcycle:
a) without wearing a helmet (either as a driver or passenger);
b) as the driver without being licensed in both Australia and the
country of travel to drive such a motorcycle; or
c) whilst racing or participating in a professional capacity
or motocross;
World Event Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
28. 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 will not be deemed an act of war;
29. an act of Terrorism except when such Event occurs under the cover
in Section D – Public Transport Accident Cover or Section F –
Medical Emergency Expenses Cover of this Policy.
Pregnancy and Childbirth Exclusions
We will not pay for or reimburse any costs under any section of this Policy
arising from or relating to:
30. childbirth or any newborn child, meaning a newborn (whether
premature or otherwise) is not considered a Covered Person under
this Policy if the child was born on the Trip.
31. pregnancy in the following circumstances:
a) any past medical condition(s) relating to a previous pregnancy or if
You have experienced pregnancy complications prior to You making
Your Qualifying Travel Purchase;
b) for any costs under Section F – Medical Emergency Expenses Cover
or Section A – Trip Cancellation and Amendment Cover within 8
weeks of Your estimated date of delivery;
c) for any costs under Section F – Medical Emergency Expenses Cover
arising from or relating to an abortion, unless an abortion is medically
necessary to protect the health and safety of the mother following an
Injury or Illness, as determined by a treating Doctor;
d) for any costs under Section F – Medical Emergency Expenses Cover
arising from fertility treatment or treatment associated with an
assisted reproduction program including but not limited to, in
vitro fertilisation (IVF).
30
AMERICAN EXPRESS BUSINESS CARD INSURANCE
General Conditions Applicable to All Sections
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 reasonably assist
Us to do so.
2. I f 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 will 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.
4. You must take all reasonable measures to avoid or minimise
any claim.
How To Make A Claim
In the event of a medical emergency or for travel assistance whilst
overseas, or for other Assistance Services (legal assistance, roadside
assistance or Home Assistance) call Chubb Assistance on
+61 2 8907 5666
Non-emergency – Making a claim is quick and easy. You can submit Your
claim online by visiting the Chubb Claims Centre for American Express:
www.americanexpress.com/australia/claims
If You cannot lodge a claim online, please contact Us on 1800 236 023 or
+61 2 9335 3492 for a claim form.
What will I need to submit a claim online?
When making a claim You will need to provide:
1. Your American Express Card Account number.
2. Your email address or alternative contact information, which allows
Us to give You real-time updates on Your claim status or contact You
for additional information.
3. supporting documents. The documents reasonably required vary
based on claim type, but may include any relevant:
• proof that You have made a Qualifying Purchase;
• medical or Doctors’ reports;
• receipts or other proof of expenses;
• proof of earnings that are being claimed;
• reports that have been obtained by the police; accommodation
provider or transport provider about the loss, theft or damage;
• product warranties or bank statements;
• photographs or quotes;
• additional evidence that We may reasonably request to enable Us
to assess Your claim; and
• intended payee information, which allows Us to quickly make
approved payments.
4. disclose to Us details of any other insurance cover under which You
may be entitled to claim.
What should I do before I submit a claim?
1. Take all reasonable steps to mitigate any further losses or unreasonable
and unnecessary expenses, including notifying Chubb Assistance
as soon as practically possible, if You are admitted to hospital or You
anticipate medical or additional accommodation or travel expenses.
2. Claims for loss, theft or criminal damage must be reported to the local
police and a written report obtained where reasonably possible. If a
written report is not provided, You must provide evidence that You have
taken reasonable steps to report the loss, theft or criminal damage
including details of the time and place You made the report, and the
name and contact details of who You reported the loss, theft or criminal
damage to (to the extent such details are within your power to provide).
When should I notify Chubb of my claim?
You should advise Us as soon as possible of an occurrence or an Event
which could lead to a claim, or within 30 days of the Event taking place
which gives rise to a claim, or as soon as reasonably practical.
Will I need to undertake a medical examination?
If required and to enable Us to conrm if some of the benets sections
under this Policy respond or continue to respond to an Event, We may need
to arrange for You to undertake a medical examination at Our expense
when and as often as We may reasonably require.
Can I claim under this Policy if I can claim for the same expense under
another insurance Policy e.g. my private health insurance?
If You wish to submit Your claim under this Policy, please advise Us if You
have already made a claim under any other insurance policies or tell Us if
You have any insurance policies in place which might respond to Your loss.
As a general rule, the amount You can recover for Your expenses under this
Policy or any other policies cannot exceed Your expenses.
Can I claim expenses that I have incurred in obtaining evidence to
submit with my claim?
No, expenses incurred by You in obtaining evidence for Us to assess Your
claim cannot be claimed as an expense under this Policy. These expenses
are payable by You.
Can I admit liability if an Event occurs under the Personal Liability
cover section which may give rise to a claim?
No, You (or Your legal representative) should not make any oer, promise
of payment or admit any liability without written consent from Us (where
such consent will not be unreasonably withheld or delayed). You should
request the claim against You be put in writing.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
31
Do I need to help Chubb make recoveries for any amounts paid under
this Policy?
Yes, You may need to help Us to make recoveries of any amounts that We
pay You under this Policy. We have the right to sue any other party in Your
name to recover money payable or paid under this Policy, or to choose
to defend any action brought against You. You must provide reasonable
assistance to Us in this regard.
How long will it take for my claim to be assessed?
Once all evidence to support Your claim has been submitted, if We approve
Your claim, We will settle Your claim within 10 business days.
If my claim is approved, how long will it take for me to
receive payment?
Once We have approved Your claim, if there is an associated payment due
to You, We will issue the payment within 5 business days.
If I die, will my estate be able to claim under this Policy?
Yes, if Your Policy provides cover in the event of Your death, Your estate will
be able to make a claim under this Policy.
I don’t have internet access/an email address to submit my claim
online; can I still submit a claim?
Yes, however this may increase the time taken to assess Your claim. You
can call Us on 1800 236 023 to request a claim form to be emailed out to
You which can then be mailed back to Us. Hours of operation: 8:30am to
5pm Monday to Friday.
General Information About This Policy
The cover provided is subject to the terms, conditions and exclusions
outlined in this Policy. If You make a claim, You are bound by them and
must follow the claims procedures of this Policy.
Group Policy with Chubb
American Express Australia Limited (ABN 92 108 952 085, AFS Licence No.
291313) of 12 Shelley Street, Sydney NSW 2000 (“American Express”) is
the insured under the Group Policy.
Under the Group Policy entered into between American Express and
Chubb, You get access to a range of insurance benets detailed in this
document. American Express has the right to terminate the Group Policy,
cancel or suspend any insurance benets, in which case You will no longer
receive the insurance benets. We will notify You as soon as reasonably
possible if We take any of these actions.
Under the Group Policy entered into between American Express and
Chubb, You get automatic access where You have met the eligibility
requirements set out in the Eligibility Table, to the benets detailed in
this Policy provided by Chubb as the insurer. You are not charged by
Chubb for these benets and can access the relevant benets if You are
a Card Member.
This Policy replaces and supersedes any Policy previously issued prior to
the eective date.
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, nancial situation or objectives. You should read these terms
and conditions carefully and contact Chubb if assistance is required.
Any general advice that may be contained within this Policy does not take
into account Your individual objectives, nancial situation or needs. You
need to decide if the limits, type and level of cover are appropriate for You.
Updating this Policy
Information in this Policy may be updated where necessary. A copy of any
updated information is available to You at no cost by visiting the website
at www.americanexpress.com/au/insurance/insurance-with-your-
card/. 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
If You are entitled to receive a benet or make a claim under another
insurance policy in respect of the same loss as Your claim under this
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), then Chubb is not liable to provide
indemnity under this Policy until the amount of any indemnity under the
other policy is exhausted. Therefore, any insurance cover under this Policy
in respect of the same loss will only be excess insurance cover over and
above the applicable policy.
Privacy Statement
In this Statement “We”, “Our” and “Us” means Chubb Insurance Australia
Limited (Chubb).
“American Express” means American Express Australia Limited, its
subsidiaries and aliates.
“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.
It also tells you about how we exchange Personal Information with
American Express. Our Privacy Policy may change from time to time and
where this occurs, the updated Privacy Policy will be posted to Our website
at: https://www.chubb.com/au-en/footer/privacy.html.
32
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Chubb is committed to protecting Your privacy. Chubb collects, uses and
retains Your Personal Information in accordance with the requirement of
the
Privacy Act 1988
(Cth) and the Australian Privacy Principles (APPs),
as amended or replaced from time-to-time.
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 and research, in relation to new products, services or
information that may be of interest to You.
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:
• the policyholder (where the insured person is not the policyholder,
i.e., group policies);
• service providers engaged by Us to carry out certain business
activities on Our behalf (such as claims assessors, call centres in
Australia, online marketing agency, etc);
• intermediaries and service providers engaged by You (such as
current or previous brokers, travel agencies and airlines);
• government agencies (where We are required to by law);
• other entities within the Chubb group of companies such as the
regional head oces of Chubb located in Singapore, UK or USA
(Chubb Group of Companies); and
• third parties with whom We (or the Chubb Group of Companies)
have sub-contracted to provide a specic 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.
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.
Exchanging Personal Information With American Express
American Express is the holder of the Group Policy under which Your card
insurance benets are provided. We may share and receive Personal
Information from American Express in order to manage and administer
the Group Policy and insurance benets, manage and pay claims, resolve
complaints, manage litigation, respond to requests from third parties
(including regulators and media), and to develop and improve our
products and customer service. American Express handles all Personal
Information strictly in accordance with the Terms & Conditions and
Privacy Statement applicable to your card.
Your Decision to Provide Your Personal Information
In dealing with Us, You agree to Us using and disclosing Your Personal
Information, which will be stored, used and disclosed by Us as set out in
this Privacy Statement and Our Privacy Policy.
Access to and Correction of Your Personal Information
Please contact Our customer relations team on 1800 815 675 or email
[email protected] if You would like:
• a copy of Our Privacy Policy, or
• to cease to receive marketing oers from Us or persons with whom
We have an association.
To request access to, update or correct Your Personal Information held
by Chubb, please complete this Personal Information request form and
return to:
Email: [email protected]
Address: GPO Box 4907 Sydney NSW 2001
Fax: + 61 2 9335 3467
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 at
https://www.chubb.com/au-en/footer/privacy.html for more details,
or contact:
Privacy Ocer
Chubb Insurance Australia Limited
GPO Box 4907 Sydney NSW 2001
+61 2 9335 3200
Complaints and Dispute Resolution Process
We understand that You could be dissatised with Our organisation, Our
products and services, or the complaints handling process itself. We
take all Our customer’s concerns seriously and have detailed below the
complaints process that You can access.
AMERICAN EXPRESS BUSINESS CARD INSURANCE
33
Complaints and Customer Resolution Service
Contact Details
If You are dissatised with any aspect of Your relationship with Chubb
including Our products or services and wish to make a complaint, please
contact Our Complaints and Customer Resolution Service (CCR Service)
by post, phone, fax, or email, (as below):
Complaints and Customer Resolution Service
Chubb Insurance Australia Limited
GPO Box 4065
Sydney NSW 2001
P +61 2 9335 3200
F +61 2 9335 3411
Our CCR Service is committed to reviewing complaints objectively, fairly
and eciently.
Process
Please provide Us with Your claim or policy number (if applicable) and as
much information as You can about the reason for Your complaint.
Our Response
We will acknowledge receipt of Your complaint within one (1) business
day of receiving it from You, or as soon as possible. Following
acknowledgement, within two (2) business days We will provide You with
the name and relevant contact details of the CCR Service team member
who will be assigned to liaise with You regarding Your complaint.
We will investigate Your complaint and keep You informed of the progress
of Our investigation at least every ten (10) business days and will make a
decision in relation to Your complaint in writing within thirty (30) calendar
days. If We are unable to make this decision within this timeframe, We will
provide You with a reason for the delay and advise of Your right to take
Your complaint to the Australian Financial Complaints Authority (AFCA)
as detailed below, subject to its Rules. If Your complaint 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.
To the extent allowable at law, if You request copies of the information
We relied on to make a decision about Your complaint, We must provide
it within ten (10) business days of Your request. Please see the General
Insurance Code of Practice 2020 (https://insurancecouncil.com.au/cop/)
or contact Us for further details.
Please note that if We have resolved Your complaint to Your satisfaction
by the end of the fth (5th) business day after We have received it, and
You have not requested that We provide You a response in writing, We are
not required to provide a written response. However, this exemption does
not apply to complaints regarding a declined claim, the value of a claim, or
about nancial hardship.
External Dispute Resolution
If You are dissatised with Our complaint determination, or We are unable
to resolve Your complaint to Your satisfaction within thirty (30) days, You
may refer Your complaint to AFCA, subject to its Rules.
AFCA is an independent external dispute resolution scheme approved by
the Australian Securities and Investments Commission (ASIC). We are a
member of this scheme and We agree to be bound by its determinations
about a dispute. AFCA provides fair and independent nancial services
complaint resolution that is free to consumers.
You may contact AFCA at any time at:
Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001
P 1800 931 678 (free call)
F +61 3 9613 6399
W 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 nd out if or when the
time limit relevant to Your circumstances expires.
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,
ecient 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 suered
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.fcs.gov.au for
more information.
General Insurance Code of Practice
We are a signatory to the General Insurance Code of Practice (Code).
The objectives of the Code are to further raise standards of service and
promote consumer condence in the general insurance industry. Further
information about the Code and Your rights under it is available at
https://insurancecouncil.com.au/cop/ and on request. As a signatory to
the Code, We are bound to comply with its terms. As part of Our obligations
under Parts 9 and 10 of the Code, Chubb has a Customers Experiencing
Vulnerability & Family Violence Policy (Part 9) and a Financial Hardship
Policy (Part 10) (https://www.chubb.com/au-en/customer-service/
support- for-customers-in-need.html). The Code is monitored and
enforced by the Code Governance Committee.
34
AMERICAN EXPRESS BUSINESS CARD INSURANCE
Sanctions
This insurance does not apply to the extent that trade or economic
sanctions or other laws or regulations prohibit us from providing
insurance, including, but not limited to, the payment of claims. All other
terms and conditions of this policy remain unchanged.
Chubb is a subsidiary of a US company and Chubb Limited, a NYSE
listed company. Consequently, Chubb is subject to certain US laws and
regulations in addition to EU, UN and national sanctions restrictions which
may prohibit it from providing cover or paying claims to certain individuals
or entities or insuring certain types of activities related to certain countries
such as but not limited to Iran, Syria, North Korea, North Sudan, Crimea
and Cuba.
American Express Australia Limited ABN 92 108 952 085. ® Registered Trademark of American Express Company.
