Zurich Travel Insurance

7/31/2019 Zurich Travel Insurance

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Description of insurance cover

Citi Platinum and Select

Cardholders

1 January 2011

For all eligible cardholders these Terms andConditions are eective or purchases wherethe fnal payment is made on or ater the1 January 2011.


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Contents Page

Important inormation about the insurances 3

Termination o these covers 4

Privacy 4

General Insurance Code o Practice 5

Complaints 5

Defnitions and interpretation 7

Excess what you contribute to a claim 14

Repairing or replacing damaged property/personal goods 15

Saety o your property/personal goods 15

Reporting lost, stolen or wilully damaged items16

Pre-existing medical conditions 16

Enquiries 17

Emergency and medical serviceswhilst overseas 18

Documents to take with you when you aretravelling overseas 18

Insurance exclusions what is not covered 19

Claims procedures 24

You must assist Zurich with your claim 26

Fraudulent claims 26

International Travel Insurance 27

Extended Warranty Insurance 41

Transit Accident Insurance 43

Purchase Cover Insurance 46


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IMPORTANT INFORMATION ABOUT THEINSURANCES

This booklet describes the complimentary

insurance benefts provided by Zurich, which areonly available to cardholders o eligible creditcard accounts.

The Issuer

This cover is provided automatically tocardholders under the Master Agreement entered

into between Citigroup Pty Limited ABN 88 004325 080, AFS Licensee 238098 o Level 10, 2Park Street Sydney, New South Wales, 2000(Citibank) and Zurich Australian InsuranceLimited (Zurich), ABN 13 000 296 640, AFSLicensee No 232507 o 5 Blue Street, North

Sydney, NSW, 2060. Zurich is the product issuer othe policies detailed in this booklet. In this booklet,Zurich may also be expressed as Zurich, we, usor our.

Although the benefts under the coversare automatically provided to cardholders,

cardholders are not obliged to take thesebenefts. However, i a person wishes to claimthese benefts, they will be bound by theDefnitions, Terms and Conditions, Exclusions andClaims Procedures o this policy. Thereore, pleaseread this document careully and keep it in a saeplace. Please also keep detailed particulars and

proo o any loss including the sales receipt andyour eligible credit card accounts statementshowing any purchases.

This booklet describes covers provided by Zurich,which cardholders may choose to take advantageo. It does not represent or create any contract

between Citibank and you. Neither Citibanknor any o its related corporations guaranteeany o the benefts under these covers. Thesebenefts are provided at no additional cost to thecardholder and neither Citibank nor any o itsrelated corporations receive any commission or

remuneration in relation to these benefts. NeitherCitibank nor any o its related corporations areAuthorised Representatives o Zurich or any o itsrelated companies.


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Termination of these covers

Citibank may terminate the benefts under anyone or all o the covers in this document or all

cardholders or an individual cardholder, andi so, will notiy the primary cardholder o thetermination. Purchases fnalised beore expiryo this notifcation will still be eligible or cover.However, purchases fnalised ater expiry o thisnotifcation will not be eligible or cover.

PrivacyZurich collects personal inormation about you toassess claims or to assess an application or coveror a pre-existing medical condition.

Zurich respects your privacy and you should knowthe ollowing things:

We will, in relevant cases, disclose personalinormation (other than sensitive inormationsuch as health inormation) to Citibank, ourservice providers and business partners, inorder to allow monitoring o claims serviceprovided, prevention o raud and to ensure

eligibility or cover. We will also, where relevant, disclose

personal inormation including sensitiveinormation, such as health inormation toour service providers (including medicalpractitioners, other health proessionals, legal

representatives) and Citibank. By submitting personal details, the person

consents to those organisations collectingand us disclosing personal and sensitiveinormation about you or this purpose.

A list o the type o service providers and

business partners we commonly use isavailable on request, or rom our website. Goto www.zurich.com.au and click on the Privacylink on the homepage.

We may also be allowed or obliged by lawto disclose personal inormation about you,

or example under Court orders or StatutoryNotices pursuant to taxation or social securitylaws.

In most cases, on request, we will give youaccess to personal inormation held aboutyou. In some circumstances, we may charge

a ee or giving this access, which will vary


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but will be based on the costs to locate theinormation and the orm o access required.

I you do not provide the requested

inormation, the assessment o your pre-existing medical condition cannot beconsidered, a claim may be delayed or we maynot accept it.

I you would like to fnd out more about ourprivacy policies, you may contact us by telephone

rom anywhere in Australia on 132 687, or [email protected], or write to:

The Privacy Ofcer

Zurich Australian Insurance Limited

PO Box 677

North Sydney NSW 2059General Insurance Code of Practice

As a member o the Insurance Council oAustralia Limited, Zurich subscribes to theGeneral Insurance Code o Practice.

The purpose o the Code is to raise the standards

o practice and service in the general insuranceindustry.

The Code aims to:

constantly improve claims handling in anefcient, honest and air manner;

build and maintain community aith and trustin the fnancial integrity o the insuranceindustry; and

provide helpul community inormation andeducation about general insurance.

Complaints

I you have a complaint about this policy orservice you have received rom us, including thesettlement o a claim, you can telephone Zurichon 132 687.

We will respond to the complaint within 15 workingdays provided we have all necessary inormationand have completed any investigation required. Imore inormation or investigation is required, wewill agree reasonable alternative timerames withyou.

I you are unhappy with our response or cannotagree on reasonable alternative timerames with


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us, the complaint will be registered as a disputeand it will be reviewed by our internal disputeresolution process, which is ree o charge.

We will respond to the dispute within 15 workingdays provided we have all necessary inormationand have completed any investigation required. Imore inormation or investigation is required, wewill agree reasonable alternative timerames withyou. We will keep you inormed o the progress oour review at least every 10 working days and givea fnal response in writing.

I you are unhappy with our response or cannotagree on reasonable alternative timerameswith us, you can reer the matter to the externaldisputes resolution scheme o which we are amember. This scheme is administered by theFinancial Ombudsman Service (FOS).

FOS will review our decision in accordance withits terms o reerence. You are not bound by thedecision made by FOS. However, we are bound toact immediately on FOSs decision. This is a reeservice provided by an independent body.

Brochures outlining the operations o FOS areavailable rom both Zurich and the InsuranceCouncil o Australia in each State or Territory. FOScan be contacted as ollows:

Financial Ombudsman Service Limited

Phone: 1300 78 08 08 between 9am - 5pm AESTFax: (03) 9613 6399

Post: GPO Box 3, Melbourne, Victoria 3001

Website: www.os.org.au

Email: [email protected]


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Denitions and interpretation

The ollowing key words (and/their plurals) whenthey are highlighted in bold have special meaning

in the covers included in this document.accident means any sudden and unexpectedphysical orce, which occurs on a trip and causesan injury that is described in the Scheduleo benefts contained in the Transit AccidentInsurance Policy.

act of terrorism means an act, including butnot limited to the use o orce or violence and/or the threat thereo, o any person or group(s)o persons, whether acting alone or on behalo or in connection with any organisation(s) orgovernment(s), which rom its nature or context

is done or, or in connection with, political,religious, ideological or similar purposes orreasons, including the intention to inuence anygovernment and/or to put the public, or anysection o the public, in ear.

Australia means the area enclosed by the

territorial waters o the Commonwealth oAustralia where Medicare benefts are payable andAustralian has a corresponding meaning.

"Australian Warranty" means the manuacturer'sexpressed written warranty that is applicable andable to be ulflled within Australia and which hasbeen properley registered with the manuacturer.

bed care patient means that as a resulto an injury or illness during the journey,you are confned to an overseas hospital bedor a continuous period o not less than 24hours. Your confnement must be certifed asnecessary by a legally qualifed and registeredmedical practitioner and you must be under thecontinuous care o a registered nurse (other thanyourself or a member o your amily). You arenot classifed as a bed care patient i you area patient in any institution used primarily as anursing or convalescent home, a place o rest, a

geriatric ward, a mental institution, rehabilitationor external care acility or a place or the care ortreatment o alcoholism or drug addiction.

cardholder means a person, being an Australianresident who is authorised to maintain permanentresidency in Australia and whom Citibank has


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issued with an eligible credit card. This includesadditional cardholders. Under the PurchaseCover Insurance, this defnition is also extended to

include any Australian resident who is authorisedto maintain permanent residency in Australia,and who, by way o a git rom the cardholder,receives any goods, purchased by the cardholder.I a family is travelling together only one personcan claim the benefts payable to the cardholder.The others can only claim as a spouse or

dependent child.dependent child/children means:

unmarried children o a cardholder up toand including the age o 18 who live with thecardholder (but not children born on thejourney); and

unmarried children o a cardholder up toand including the age o 21 who are ull-timestudents attending an accredited institutiono higher learning in Australia, and aredependent upon the cardholder or theirmaintenance and support and always live with

the cardholder or live with the cardholderwhen they are not attending the accreditedinstitution o higher learning.

eligible credit card means a current andvalid Platinum MasterCard, Platinum VISA, ClearPlatinum, Emirates Citi Platinum or Citi Select

credit card."eligible credit card account" means a currentand valid Platinum MasterCard, Platinum Visa,Clear Platinum, Emirates Citi Platinum or CitiSelect credit card acility provided by Citibank.

family means a cardholder and his/her spouseand/or dependent child/children (but notchildren born on thejourney), provided they areeligible or International Travel Insurance and aretravelling with the cardholder.

injury/injured means loss o lie or bodily hurt,but not an illness or sickness:

caused by an accident whilst the policy is inorce; and

resulting independently o any other cause.

Furthermore, injury as used in the TransitAccident Insurance Policy with reerence to hand


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or oot means severance through or above thewrist or ankle joint and, as used with reerence toan eye means irrecoverable loss o the entire sight

thereo.journey means ater obtaining your overseastravel tickets by use of the cardholders eligiblecredit card account.

The journey starts:

on the departure date (rom Australia) shown

on the overseas travel ticket; or once you leave your home, i you travel

directly rom your home in Australia to theAustralian air or sea terminal that is thedeparture point or your trip.

Thejourney ends when the frst o the ollowingoccurs:

I you have a return overseas travel ticket:

- at midnight on the date when yourscheduled transport (as shown on youroverseas travel ticket) is due to arrive in

Australia; or- when you return to your home in

Australia, provided you travel directlythere rom the air or sea terminal whereyou landed in Australia; or

- six (6) months ater the date o departure

shown on your overseas travel ticket; or- when you cancel your overseas travel

ticket.

I you have a one-way overseas travel ticket:

- when you return to your home inAustralia, provided you travel directlythere rom the air or sea terminal whereyou landed in Australia; or

- 31 days ater the date o departure shownon your overseas travel ticket.

natural disaster means any event or orce

o nature that has catastrophic consequences,such as avalanche, earthquake, ood, bush fre,hurricane, tornado, cyclone, tsunami and volcaniceruption, but not epidemics or pandemics.

overseas means outside Australia.


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Also or the purposes o the International TravelInsurance Policy:

travel rom Tasmania or rom mainland

Australia to Norolk Island or Christmas Islandwill be considered as overseas travel; and

travel rom Norolk Island or rom ChristmasIsland to Tasmania or mainland Australia willbe considered as overseas travel, however,medical and hospital expenses will not be

covered i the person claiming is eligible orMedicare benefts; and

travel rom Tasmania or rom mainlandAustralia to Lord Howe Island or Cocos Islandwill be considered as overseas, however,medical and hospital expenses are not

covered; and travel rom Lord Howe Island or rom Cocos

Island to Tasmania or mainland Australia willbe considered as overseas travel, however,medical and hospital expenses are notcovered.

overseas travel ticket means either a one-way ticket rom Australia; or

a return ticket, rom and returning toAustralia.

period of cover

For beneft 3. Unexpected cancellation otravel arrangements and other unexpectedexpenses in the International TravelInsurance Policy, this means the period ofcover commencing ater your overseas travelticket has been obtained by the use o thecardholders eligible credit card account;

For all other sections in the InternationalTravel Insurance Policy, the period of covermeans the period o thejourney.

personal good(s) includes all new personalitems acquired or personal domestic or personal

household use, but does not include: items acquired or the purpose o re-supply/re-

sale; or

items acquired or transormation in abusiness; or


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items purchased in a business name; or

business owned or business related items; or

animals or plant lie; or

computer sotware or non tangible items; or

cash, bullion, negotiable instruments, tradingcards, lottery tickets or other gambling relateditems, tickets o any description, travellerscheques, or collections such as stamps, coinsand cards; or

consumable or perishable items (including butnot limited to ood, drugs, uel or oil); or

boats, automobiles, motorboats, airplanes orany other motorised vehicles and their integralparts and installed accessories; or

second-hand items including antiques; or items o contraband; or

real estate and movable fxtures or fttings(including but not limited to dish washersand fxed air conditioners) which are, or areintended to orm part o any home or real

estate; or

items acquired or a purchase price exceedingA$10,000 or Purchase Security and $20,000or Extended Warranty.

pre-existing medical condition is relevant to

thecardholder

, anyrelative, travel companion

orany other person that may give cause or you toclaim and means:

any existing medical condition, includingbut not limited to mental disorder, anxiety,alcoholism, drug addiction or pregnancy and/or any chronic or ongoing physical, medical ordental condition, which you are aware o oror which investigation, treatment or advicehas been received, or medication prescribedor taken at any time beore you obtained youroverseas travel ticket; and

any condition, including but not limited tomental disorder, anxiety, alcoholism, drugaddiction or pregnancy and/or any physical,medical or dental condition, which youbecome aware o or or which investigation,treatment or advice is received, or medicationprescribed or taken, ater you obtained


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your overseas travel ticket, but prior to thecommencement o yourjourney; and

any complication arising rom any such

condition outlined above, except thatunexpected/unoreseen events relating topregnancy are not regarded as a pre-existingmedical condition.

primary cardholder means the person in whosename the eligible credit card account is opened.

reasonable means: or medical and hospital expenses, the care

obtained should be at the standard level givenin the country you are in and not exceed thelevel you would normally receive in Australia;and

or all other expenses, such as unexpectedtravel and accommodation, the standard mustnot exceed the average standard o travel andaccommodation you booked or the rest oyour journey.

relative means a permanent Australian resident

living in Australia, who is the cardholders:

spouse; or

parent, parent-in-law, step-parent, guardian; or

grandparent; or

child, grandchild, stepchild; or

brother, brother-in-law, sister, sister-in-law; or

daughter, daughter-in-law, son, son-in-law; or

fanc, fance; or

uncle, aunt; or

hal-brother, hal-sister; or

niece, nephew.

rental vehicle means a rented sedan and/orstation wagon (but does not include any otherstyle o vehicle) rented rom a licensed motorvehicle rental company.

special event means a wedding, uneral, pre-paid conerence, pre-paid sporting event or pre-paid concert, which beore you let Australia youhad planned to attend.

spouse means a married or deacto partner othe cardholder who is permanently living with the


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cardholder at the time thejourney starts. We mayask or proo o this relationship.

travel companion means a person whom,

beore thejourney began, arranged to accompanyyou rom Australia and was then on your journeyor at least 50% o the time.

trip means:

overseas passage by a cardholder as apaying passenger (not as a pilot, driver, or

crew member etc.) in a licensed plane, touristbus, train or erry authorised pursuant to anystatute, regulation, by law or the equivalentthereo or the transportation o passengersor hire, provided that beore the passagecommenced the cost o the passage was

validly charged to the cardholderseligiblecredit card account; and

overseas passage by a spouse and/or dependent child/children as payingpassengers (not as a pilot, driver, or crewmember etc.) in a licensed plane, tourist

bus, train or erry authorised pursuantto any statute, regulation, by law or theequivalent thereo or the transportation opassengers or hire, provided that beore thepassage commenced the cost o the passagewas validly charged to the cardholderseligible credit card account and they are

accompanying the cardholder who is on a trip.unattended means (but is not limited to) when

your possessions are not with either you oryour travel companion or are in a positionwhere they can be taken without you or yourtravel companion knowing or being able to

prevent them rom being taken.use of the cardholders eligible credit cardaccount means that your overseas travel ticket(but not taxes or airport or travel agent charges)was obtained prior to the commencement date oyour journey by one o the ollowing methods:

cost charged to a cardholders eligible creditcard account; or

as a member o the Citi Rewards Program(not applicable to Emirates Citi Platinumcardholders), you obtained the travel ticket inexchange or the cardholder redeeming their


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requent yer points, provided the redemptionoccurs within one month ater the cardholdertranserred at least 15,000 Citi Reward Points

to the said requent yer program, and thosepoints were accrued in the 12 months prior tothe transer; or

as a member o the Citi Qantas FrequentFlyer Rewards program (not applicable toCard Services Reward program members),you obtained the travel ticket in exchangeor the cardholder redeeming their QantasFrequent Flyer points, provided that withinthe 12 months prior to the redemption thecardholders had had credited to his/herQantas Frequent Flyer accountaccount orSkyward Miles account, in accordance with the

Citi Qantas Frequent Flyer Rewards programor Citi Miles Reward program, a minimum o15,000 points,

obtained by the cardholder under the TakeFlight program.

Please note that no cover is provided under

the International Travel Insurance Policy whenthe overseas travel tickets have been ully orpartially obtained by redeeming points or rewardsrom schemes other than as outlined above.

you, your, yours, yourself meansthe cardholder or the cardholders spouse or

cardholders dependent child/ children providedthey are eligible or the insurance.

Excess what you contribute to a claim

Excesses may apply to certain sections o cover.An excess is not an additional ee charged by usat the time o making a claim. Rather, it is theuninsured frst portion o a loss or which you areotherwise covered (i.e. the amount that you mustcontribute towards each claim). Details o theexcess amounts and circumstances in which theywill be applied are set out below:

International Travel Insurance -You must paythe frst A$200 or each claim made underBenefts 1 to 6 o Part B The cover weprovide. However, under beneft 2. Loss ordamage to personal property and businesseects there is no excess payable or thereplacement o your travel documents,


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credit cards, and travellers cheques and theemergency replacement o your clothes andtoiletries. Also i you make more than one

claim as the result o a single event, the excessonly applies once.

Purchase Cover Insurance You must pay thefrst A$100 or each claim.

Extended Warranty Insurance You must paythe frst A$100 or each claim.

Repairing or replacing damaged property/personal goods

I personal goods are lost, stolen or damaged wemay choose to:

repair the item; or

replace the item, less depreciation. This meanswe will replace the item or an amount equalto its original cost, less a depreciation fgurewhich takes into account its age and condition;or

pay you the amount it would cost us to replace

the item less depreciation;However:

where the item is part o a pair or set,you will receive no more than the value othe particular part or parts lost, stolen ordamaged, regardless o any special value that

the item may have by way o being part osuch pair or set; and

property let unattended in a motor vehicle isonly insured up to a value o A$250 per itemto a maximum o A$2,500 in total; and

i you bought the item duty ree or overseas

the amount you paid or the item will be themaximum amount paid by us.

Safety of your property/personal goods

You must take all adequate and reasonableprecautions (considering the value o the items)to protect your property/personal goods and youare not covered i you do not take reasonableprecautions (considering the value o the items) toprotect your property/personal goods.

There is no thet or loss cover at any time, orjewellery, watches, cameras, laptops, mobilephones, electrical or battery powered items or


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cash in a motor vehicle or in baggage unlessdirectly under your or your travel companionspersonal supervision and property/personal

goods is/are not covered under any o theinsurances i let:

unattended in a public place; or

unattended in an unlocked motor vehicle; or

unattended in a motor vehicle in view osomeone looking into the motor vehicle; or

unattended in a motor vehicle overnight; or

behind, orgotten or misplaced; or

with a person who steals or deliberatelydamages them.

A public place includes, but is not limited to

shops, airports, bus depots, buses, planes, trains,streets, hotel oyers (and hallways and grounds),restaurants, beaches, public toilets, car parks,ofce areas, behind counters, housing and hostelcommon areas, unlocked hostel and hotel roomsand any place which is accessible to the public.

Reporting lost, stolen or wilfully damaged itemsIn the event that your property/personal goodsare stolen, wilully damaged or accidentally lost,you must make a report to the Police or to thenearest government agency or authority. Youmust do this within 24 hours o learning o the

thet, loss or damage and the report must listand describe the missing or damaged property/personal goods.

I the loss or wilul damage occurs overseas, acopy o this report must be obtained and theauthority must sign the copy and write on it that it

is a true and accurate copy o the original.Pre-existing medical conditions

This insurance does not cover you or any eventthat is caused by or arises as a result o a pre-existing medical condition o yours or any preexisting medical condition o a relative, travel

companion or any other person that may givecause or you to claim. I, however, you are goingoverseas you may, prior to leaving Australia applyor your pre-existing medical condition to becovered under the International Travel InsurancePolicy.


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The pre-existing medical condition o yourrelatives, travel companion or any other personsthat may give cause or you to claim can not be

waived.I you wish to apply or cover or your pre-existing medical condition, please phone ZurichAssist on 1800 648 093. Our team o medicalproessionals will assess your condition. I ZurichAssist determines to cover your pre-existingmedical condition, you will need to pay anadministration ee and Zurich Assist will send youa letter confrming that your pre-existing medicalcondition is covered or the remainder o theperiod of cover or thejourney in question.

In regard to pregnancy, we do not insure youor any expenses that arise due to the normaldevelopment and consequences o pregnancy,including but not limited to regular or routinemedical consultations and tests (such asultrasounds) and the childbirth itsel. On theother hand, we do cover the mothers expenses ithey arise as an unoreseen consequence o the

pregnancy or childbirth and or which otherwisethe mother would be covered. This, however, doesnot mean that cover is provided or the health o achild born on thejourney.

Enquiries

Additional copies o this booklet can be

obtained at your local Citibank branch, byphoning 1800 818 008 or online atwww.citibank.com.au

I you require personal advice on any o theseinsurances, please see your insurance adviser.

I you wish to make a general inquiryregarding the covers outlined in this bookletyou can phone us on 1800 648 093, however,please make sure you have this booklet onhand when you phone us.

I you wish to apply or cover on your pre-existing medical condition, please phoneZurich Assist on 1800 648 093.

Please also note:

The period of cover or the International TravelInsurance cover cannot be extended except asoutlined on page 27, and you do not have to

advise us that you will be travelling as you are


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automatically covered, provided you are eligibleor this cover and adhere to the Defnitions, Termsand Conditions, Exclusions and Claims Procedures

o that policy.Emergency and medical services whilstoverseas

In the event o an emergency overseas, simplycall Zurich Assist (reverse charge/collect) any timerom any place in the world. You can usually do

this by phoning the operator where you are andbooking a reverse charge call to Australia+61 2 9995 2021.

Zurichs team o medical proessionals is only aphone call away and is available 24 hours a day,7 days a week or advice and assistance in the

event o a medical emergency and any associatedproblems or travellers outside Australia.

Zurich Assist has access to a worldwide team oskilled doctors and medical proessionals andprovides the ollowing services ree o charge:

Access to Registered Medical Practitioners or

emergency assistance and advice; and Emergency transportation to the nearest

suitable hospital;

Emergency evacuation, i necessary; and

I you request, we will advise your family inAustralia o your medical condition and keepthem inormed o the situation; and

Payment guarantees to hospitals andinsurance verifcation; and

Second opinions on medical matters; and

Urgent message service and emergency travel

planning.Documents to take with you when you aretravelling overseas

You should take with you this booklet as itcontains important phone numbers and details othe cover provided, and proo o your eligibility orthis insurance including the ollowing:

copies o your overseas travel ticket; andeither:

your eligible credit card account statementand/or credit card receipt to confrm the

purchase o your overseas travel tickets; or


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evidence that your overseas travel ticketwas arranged under the Take Flight program;

evidence confrming that at least 15,000

Card Services Reward Points (not applicableto Emirates Citi Platinum cardholders), wereredeemed and a copy o the said Citi Rewardpoints in exchange or your overseas travelticket.

evidence confrming that the required

number o Qantas Frequent Flyer points (notapplicable to Citi Rewards Program) or CitiMiles (Skywards) were transerred by Citibank,to the cardholders Qantas Frequent Flyer orSkywards Miles account in accordance withthe Citi Qantas Frequent Flyer or Citi MilesRewards program, and evidence confrmingthe redemption o said points in exchange oryour overseas travel ticket.

evidence that your overseas travel ticketwas arranged under the Take Flight program.

In the event that you need to make a claim

under the International Travel Insurance Policy(especially i claiming whilst overseas), it willbe necessary or you to confrm to us or to ouragents that your overseas travel ticket wasobtained by use of the cardholders eligiblecredit card account. Without this inormation, aclaim may be delayed and it may not be possible

or us or our agents to give approval or anyoverseas medical attention.

Insurance exclusions what is not covered

In any insurance policy there are situations thatare not covered. Whilst we try to extend our coverto most situations, we are not able to insure somesituations because o the costs or types o eventsinvolved.

In addition to any specifc exclusions containedin any individual cover in this document, theollowing exclusions apply to all the covers in thispolicy:

We do not insure you or any event that iscaused by or arises as a result o any pre-existing medical condition o yours, arelative, travel companion or any otherperson that may give cause or you toclaim unless it relates to International


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Travel Insurance and we have given priorwritten approval to cover your pre-existingmedical condition and you have paid the

administration ee; or We do not cover your property/personal

goods let unattended in a motor vehicle orany more than A$250 per item to a maximumo A$2,500 in total; or

We do not insure you in regard to any travel

that: you book or take against medical advice;

or

you take or the purpose o gettingmedical treatment or advice; or

you take ater a qualifed and registeredmember o the medical proession inormsyou that you are terminally ill; or

We do not insure you or any event that iscaused by or arises rom:

you ailing to ollow advice or take heed o

a warning rom:- any government; or

- any ofcial body; or

- any publication or broadcast by anymember o the mass media; or

the death, illness o (or or any otherreason) persons living outside oAustralia, other than as set out in thisbooklet relating to the cardholder, theirspouse and/or dependent children; or

any event that is intentionally causedby you or by a person acting with yourconsent (including suicide or attemptedsuicide); or

your conscious exposure to exceptionaldanger unless in an attempt to preserveyour lie or the lie o another person; or

you being under the inuence o liquor ordrugs; or

your involvement in illegal activities, raudor abuse; or

your underwater activities that involveusing artifcial breathing equipment


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(unless you have an open water divinglicence or are diving with a qualifed andregistered diving instructor); or

your mountaineering or rock climbing(i you need to use climbing equipment,ropes or guides), white water rating orboating, abseiling, bungy jumping, potholing, running with the bulls, caving ortobogganing; or

your racing (other than oot); or your participation in any kind o

proessional sport; or

the use o your property in sportingactivities; or

your air travel or any aerial activity (orexample, hanggliding, base jumping andskydiving). But i you are a paid passengerin a ully licensed commercial passengeraircrat, we do insure you; or

any activities involving hunting equipmentor projectiles (e.g. shooting and archery);

or

your participation in motor cycling, unless

- it involves a hired motorcycle with anengine capacity o 200cc or less; and

- you are the driver; and

- you hold a current Australianmotorcycle licence; and

- you are also licensed (i a licence isrequired) to drive the motorcycle in thecountry you are in; but

- we never cover any event that iscaused by or arises rom motorcycleracing; or

any act of terrorism; or

any injury arising out o or in connectionto an epidemic or pandemic; or

hijack, any war or war like activities,whether war has been ormally declaredor not, any hostilities, rebellion orrevolution, or civil war, military coup,or overthrow/attempted overthrow o agovernment/military power; or


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any person or organisation, who lawullydestroys or removes your ownership orcontrol o any property/ personal goods;

or any government prohibition or restrictions

or government customs; or

any government authorities, delaying ordetaining you or seizing or keeping yourbaggage; or

non-receipt o the property/personalgoods that you have purchased and isbeing transported to you; or

your participation as crew member orpilot o any conveyance; or

you or your travel companionsemployment or work (whether paid orunpaid or voluntary) either in Australiaor overseas. This includes not being ableto take leave rom that employment,unless your claim is covered under theInternational Travel Insurance Policy

beneft 3. Unexpected cancellation otravel arrangement and other unexpectedexpenses; or

you or yourtravel companions fnancialcircumstances or any business or othercontractual relationship; or

changes in currency rates, or any lossesdue to the devaluation or change incurrency value; or

thet, loss or damage to business owneditems, business related items or itemspurchased in a business name; or

you or your travel companion notwanting to continue with your travelarrangements/journey, or cancelling itor cutting it short, unless your claim iscovered under the International TravelInsurance Policy beneft 3. Unexpected

cancellation o travel arrangement andother unexpected expenses; or

deterioration, normal wear and tear; or

any deective item or any deect in anitem, or damage arising rom inherent


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deects in an item or an electrical ormechanical ault or breakdown; or

any process o servicing, repairing or

restoring an item unless we have givenprior approval; or

laundering (including washing, ironingand dry cleaning) whether by proessionalpersons or otherwise; or

vermin or insects, mildew, atmospheric or

climatic conditions, or ood; or your ailure to comply with the

recommended security guidelines or theuse o bank or currency notes, cheques,credit card, postal or money orders orpetrol coupons; or

you not taking all adequate andreasonable precautions (consideringthe value o the items) to protect yourproperty/personal goods; or

the thet or loss o jewellery, watches,cameras laptops, mobile phones, electrical

or battery powered items or cash ina motor vehicle or in baggage unlessdirectly under your or your travelcompanions personal supervision; oryour property/personal goods being let:

- unattended in a public place; or

- unattended in an unlocked motorvehicle; or

- unattended in a motor vehicle in viewo someone looking into the motorvehicle; or

- unattended in a motor vehicleovernight; or

- behind, orgotten or misplaced; or

- with a person who steals or deliberatelydamages them.

A public place includes, but is not limitedto shops, airports, bus depots, buses,planes, trains, streets, hotel oyers (andhallways and grounds), restaurants,beaches, public toilets, car parks, ofceareas, behind counters, housing and hostelcommon areas, unlocked hostel and hotel


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24

rooms and any place which is accessibleto the public; or

disappearance o the property/personal

goods in circumstances which cannot beexplained to our satisaction; or

radioactivity, radioactivity contaminationor the use, existence or escape o anynuclear uel, nuclear material or nuclearwaste; or

consequential loss or damage, punitivedamages or any fnes or penalties,including punitive, exemplary, liquidatedor aggravated damages; or

you or your travel companions ailure toprocure a passport or visa; or

bookings made with or via any unlicensedparties (including but not limited totour operators, wholesalers, transportproviders or travel agents etc.); or

the inability o the tour operator,wholesaler, transport provider, travel

agent or any other service provider tocomplete arrangements (e.g. provideacilities, conerence, accommodation ortransport arrangements) due to lack onumbers, or complete any part o a tour.

Claims procedures

Please do not contact Citibank in the event o aclaim as they do not approve claims and are notinvolved in processing the claims.

I you want to make a claim under any o thesepolicies, you must:

Whilst you are overseas:Phone Zurich Assist (reer to page 17, Emergencyand medical services whilst overseas).

In order or Zurich Assist to confrm youreligibility or International Travel Insurance, youwill need to have copies o the documents listed

on page 18, Documents to take with you when youare travelling overseas.

I you are in Australia (or when you return toAustralia), you must ollow the steps listed below:

Contact us on 1800 648 093 within 30 days oreturning home rom overseas (even i you have


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previously reported the matter to Zurich Assist),or i you are already home, contact us within 30days o learning o an occurrence (loss, damage or

breakdown) that may result in a claim.We may require you to complete a written lossreport. I we do, we will provide you with theorms which should be returned to us within 30days ater you receive them.

Note: Failing to contact us or return the completed

loss report (i required) within the times statedmight result in denial o the claim.

You must provide us with any evidence/documentation we require to veriy your claim.Depending on the claim you are making, thismight include (but is not limited to) any o the

ollowing: proo that you are eligible or insurance

cover e.g. eligible credit card accountstatement and credit card receipt to confrmthe purchase o your personal goods or youroverseas travel ticket, etc.;

i items were stolen, wilully damaged, oraccidentally lost you must give us the policereport number, or i the incident occurredwhilst you were overseas, a copy o the reportyou obtained rom the police or nearestgovernment agency or authority. The reportshould be certifed by the relevant authorityas being a true and correct copy o theoriginal;

proo o your ownership o any lost, stolen ordamaged items e.g. purchase receipts;

evidence o your intended ight e.g. ticket,

travel agents itinerary showing your ight ora letter rom the airline, etc.;

evidence o the delay, including in the caseo luggage delay, a lost property/delayedproperty report issued by the airline;

receipts or any items you buy to replace

those that were lost or stolen or purchased asemergency replacement o your clothes andtoiletries;

i any items are lost or stolen during the timethat a carrier was responsible or looking aterthem, you must get a letter rom the carrier


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explaining what happened and stating theamount o reund you received rom them;

i your travel or accommodation arrangements

are cancelled and you intend claiming, youmust provide a letter rom the carrier, hotel,etc., outlining the reund you were entitled to;

any damaged items or which you are claimingso that they can be inspected by us or ourauthorised representative;

a quote (at your expense) or the replacemento lost or stolen items, or quote or the repairo damaged or broken down items. We will,however, pay the reasonable cost o the quotei we agree to pay the claim.

a copy o the Australian Warranty i claiming

under the Extended Warranty Insurance Policy.You must assist Zurich with your claim

When making a claim you must advise us o anydetails o any other insurance under which youare entitled to claim.

You must also, as ar as allowed by law, give usall the assistance we may require to instituteproceedings against other parties or the purposeo enorcing rights or remedies to which we wouldbecome entitled or subrogated upon, by makinggood any loss or damage under any o the coversincluded in this booklet.

Fraudulent claims

When making a claim you have a responsibility toassist Zurich and to act in an honest and truthulmanner.

I any claim is raudulent in any way or i you or

anyone acting on your behal uses raudulentmeans to make a claim on the cover in thisdocument, then no payment will be made inregard to the claim. Also Citibank will be inormedo the situation and you may no longer be eligibleor any o the insurance covers contained in thisdocument.


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INTERNATIONAL TRAVEL INSURANCE

International Travel Insurance is a beneftavailable to Citi Select andPlatinum cardholders

who by use of the cardholders eligible creditcard account obtained their overseas traveltickets prior to leaving Australia. I thecardholder is eligible or this insurance then thisinsurance is also available to the cardholdersspouse and the cardholders dependent child/children (but not children born on the journey),who travel with the cardholder or the entirejourney, provided their overseas travel ticketswere also obtained by use o the eligible creditcard account.

The cover is available or a period o six (6)consecutive months or cardholders with returnoverseas travel tickets (31 days or persons witha one-way overseas travel ticket) and cannot beextended. However, i you have a return overseastravel ticket and your return to Australia isdelayed because o events covered under thispolicy, or your scheduled transport back to

Australia is delayed or reasons beyond yourcontrol, the period o insurance will automaticallybe extended or a period o up to our (4) weeksor until you return to your home in Australia,whichever occurs frst.


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International Travel Insurance Index

Part A The limits that apply and asummary o the cover 28

Part B The cover we provide 311. Medical and hospital expenses

incurred overseas 31

2. Loss or damage to personal propertyand business eects 33

3. Unexpected cancellation o travelarrangements and otherunexpected expenses 34

4. Resumption o journey ollowingthe death o a relative 37

5. Special event 38

6 Rental vehicle excess 387. Travel delay 39

8. Funeral expenses 39

9. Accidental death 39

10. Loss o income 40

11. Legal liability 40

Part A - The limits that apply and a summaryof the cover

The table below shows the limits that apply and an

outline o the cover available or Citi cardholdersand their spouses and dependent child/children.Please read the entire policy to make sure youunderstand the details o the cover provided andto ensure it meets your requirements.


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Beneft

1. Medical

& hospitalexpenses

Unlimited, except bed care

patient allowance (i.e.miscellaneous expenses such asphone calls & TV rental) o A$110per day is limited to $13,000 perperson to maximum o $16,500 intotal. No cover for pre-existingmedical conditions, unless

prior approval given and theadministrative ee paid.

2. Loss ordamage topersonalproperty and

business eects

Limit o A$16,000 per person upto a maximum A$32,000 or afamily subject to the ollowinglimits, (however, property let

unattended in a motor vehicleis only insured up to a value o$250 per item to a maximum oA$2,500 in total and businesseects are only insured or$3,000 in total):

Clothing and personalvaluables A$5,000/item;

Portable electrical equipment& binoculars A$5,000/item;

Cameras and associatedequipment/accessoriesA$5,000/camera;

Laptop computers andassociated equipment/accessories A$5,000 in total;

Travel documents, travellers

cheques, credit cards & cashetc, A$600/person, cash toa maximum o A$1,100 or afamily;

Emergency replacement oyour clothes and toiletriesA$500/person to a maximumo A$1000 or a family.


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3. Unexpectedcancellationo travel

arrangementsand otherunexpectedexpenses

Unlimited, or covered events,except or travel agentscancellation ee, which is limited

to an amount equal to the lessero A$500 or 15% o the value othe travel arranged by the agent.Also, cover or the fnancialinsolvency or fnancial collapseo a licensed service provider islimited to A$5,000 per person upto a maximum o A$12,000 or afamily.

4. Resumptiono journeyollowing thedeath o arelative

Limit o A$6,000 per person upto a maximum A$12,000 or afamily.

5. Special event Limit o A$2,500 or thereasonable cost o arrangingalternative public transport inorder to attend a special event.

6. Rental vehicleexcess

Limit o A$2,750

7. Travel delay For reasonable additional meal& accommodation costs ater6-hour delay, limit to A$475per person up to a maximum o

A$1,100 or a family.8. Funeralexpenses

Limit o A$20,000 or overseasuneral/cremation or return oremains to Australia.

9. Accidentaldeath

In the event o accidental death,which is not covered under the

Transit Accident Insurance Policyincluded in this booklet, we willpay A$50,000 per cardholder,A$20,000 per spouse andA$5,000 per dependant child.

10. Loss o

income

The loss o usual income or a

cardholder and/or spouse up toA$1,250 per person per week, toa maximum o A$12,000 in total.

11. Legal liability Limit o A$2,500,000


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Part B - The cover we provide

1. Medical and hospital expenses incurredoverseas

We insure you or medical and hospital expensesyou incur overseas on your journey.

We reserve the right to return you to Australiaor ongoing medical attention. In Australia we arenot licensed to pay medical and hospital expensesand you would need to claim on Medicare and/or

your Australian medical insurer. I you choose notto return to Australia we will cease to pay or thesubsequent medical and hospital expenses youincur overseas.

By medical expenses we mean:

expenses or:

- medical, paramedical, or surgicaltreatment; or

- other treatment, given or prescribed bya qualifed and registered member o themedical proession; or

- emergency dental treatment to naturalhealthy teeth (but not ongoing dentaltreatment) up to A$1,250 where thetreating dentist confrms in writing thatthe treatment was solely to relieve suddenand severe pain; or

ambulance, hospital, or nursing home charges;or

expenses or emergency evacuation toAustralia or another country, i the localmedical services are inadequate or notavailable. The evacuation must be authorised

and arranged by Zurich Assist (book a reversecharge/collect rom anywhere in the world on+61 2 9995 2021).

I we agree to pay the hospital and medicalexpenses associated with your stay in anoverseas hospital, we will also pay you (in

addition to the hospital and medical charges) abed care allowance (to cover incidental expenses,such as a rental TV, newspapers or hospital phonecalls) or each continuous 24-hour period youare confned in an overseas hospital as a bedcare patient, provided the claim is supported by


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written confrmation rom the hospital or thelength o your stay.

We will also pay or a relative or riend to travel to

where you are, to either care or you or to escortyou back to your normal residence in Australia i:

you are injured or become seriously ill duringthe period of cover; and

you show us a medical advice written bya qualifed and registered member o the

medical proession, saying that a companion/escort is necessary; and

Zurich Assist agrees that a companion/escortis reasonably necessary.

The companions/escorts costs will be reimbursedto the person who incurs the expense.

We will pay for...

Medical expenses

We will pay or your overseas medical expensesduring the period of cover i you:

become ill overseas; or

get injured overseas, provided the injurywas accidentally caused by a sudden physicalorce.

We will only cover your medical expenses i:

you incur them overseas, during your journey

overseas; and you are legally responsible or paying them;

and

you show us a medical advice, written bya registered and qualifed member o themedical proession, as proo o your illness or

injury and the treatment you need or it; and we assess your medical expenses are

reasonable in amount and reasonablynecessary.

Please remember that you can only claim oremergency evacuation i it is arranged by ZurichAssist (book a reverse charge call rom anywherein the world on +61 2 9995 2021).

But we will not pay for...

We will not pay or medical expenses that:

arise rom pre-existing medical conditions

unless prior to you leaving Australia, we have


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given prior written approval to cover your pre-existing medical condition and you have paidthe administration ee;

dental treatment caused by or related tothe deterioration and/or decay o teeth orinvolving the use o precious metals;

you can recover rom any private medical undor similar government scheme;

you incur in Australia;

arise rom HIV, AIDS, ARC (AIDS RelatedComplex, however this syndrome may beacquired or named), or any related illness, nomatter how you become inected;

arise rom a sexually transmitted disease;

arise rom any disease that is transmittedwhen giving or taking a drug. Unless thegiving or taking o the drug is supervisedby a qualifed and registered member o themedical proession and the disease is notexcluded anywhere else in this InternationalTravel Insurance Policy; or

you incur more than 12 months ater the dateo your illness or disablement.

2. Loss or damage to personal property andbusiness effects

We insure you, during your journey or the thet

and accidental loss or damage to the ollowingpersonal property and business eects that youeither take with you or buy on your journey:

baggage, clothing and personal valuables; and

portable electrical equipment and binoculars(but we will not pay or scratched lenses); and

cameras and associated equipment/accessories (but we will not pay or scratchedlenses); and

laptop computers and associated equipment/accessories (but we will not pay or scratchedscreens); and

travel documents, travellers cheques, banknotes, currency notes, postal orders, moneyorders, cash credit cards or petrol couponstaken with you on your journey or personaluse.


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We will also provide or the emergencyreplacement o your clothes and toiletries, iyour entire luggage is delayed, misdirected, or

temporarily misplaced by any carrier or morethan 12 hours.

I your travel documents, credit cards ortravellers cheques are accidentally lost or stolenyou are covered or their replacement and anylegal liability or payment arising out o theirunauthorised use only i:

you have complied with all the conditions youagreed to when your travel documents, creditcards or cheques were issued; and

you have reported the loss to the appropriateauthorities (e.g. bank) as soon as possible

ater the discovery o the loss.I you are claiming or the emergencyreplacement o your clothes and toiletries, youwill need to obtain written confrmation rom thecarrier who was responsible or the luggage andyou will need to provide us with receipts or the

replacement items you needed to purchase.In the event o a claim you must prove yourownership o the property and prove the valueo the property (e.g. receipt or valuation orjewellery). I you can not prove the value o yourproperty, the most we will pay or each individualitem is 10% o the limit shown or the type o itemin Part A The limits that apply and a summaryo the cover.

3. Unexpected cancellation of travelarrangements and other unexpected expenses

In regard to the cover provided under this beneft

the cardholder will become eligible or thebenefts when the overseas travel ticket hasbeen obtained by use of the cardholders eligiblecredit card account. Also i the cardholder iseligible or this beneft, then the cardholdersspouse and/or dependent child/children, whohave booked to travel with the cardholder orthe entirejourney will become eligible under thissection provided their deposit or the overseastravel ticket has been obtained by use o thecardholders eligible credit card account andthey intend to ully obtain their overseas travelticket by use o the cardholders eligible credit

card account.


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Under this section Zurich covers you or theunexpected cancellation o travel arrangementsand other unexpected expenses, provided the

claim is not covered elsewhere in this policy. Theexpense must be incurred during the period ofcover or one o the reasons listed below:

there is a natural disaster, or a naturaldisaster has recently happened or isreasonably expected to happen either atyour destination or at your or your travelcompanions normal residence in Australia;or

whilst overseas you or your travelcompanions travel documents are lost orstolen; or

you or your travel companions normalresidence in Australia is totally destroyed; or

you or your travel companion arequarantined overseas whilst on your journey;or

you or your travel companion are

subpoenaed to attend court in Australia; or o a pre-existing medical condition i we

have given prior written approval to coveryour pre-existing medical condition and youhave paid the administration ee; or

i ater obtaining your overseas travel ticket,

you become aware o a medical condition,which we will then not provide pre-existingmedical condition cover or; or

you, your travel companion or a relative:

dies; or

is seriously injured; or become seriously ill.

We will need to see medical advice written by aqualifed and registered member o the medicalproession regarding any o the above events andbe satisfed that the cancellation was appropriate

and reasonably necessary; the unexpected cancellation o your or your

travel companions authorised prearrangedleave provided the person whose leave hasbeen cancelled is a ull-time employee o thepolice, fre, ambulance, deence or emergency

services; or


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you or your travel companion having to situnexpected exams in regard to studies eithero you are undertaking; or

a special event has been cancelled orpostponed or reasons beyond yourexpectations or control; or

your arranged travel is cancelled or delayedby the carrier because o unexpected:

mechanical break down; or

weather conditions; or

natural disasters; or

riots, strikes, civil commotion (but not actsof terrorism, any war like activities, war,whether it has been ormally declared or

not, any hostilities, rebellion or revolution,or military coup, or overthrow o agovernment); or

you miss your arranged travel because yourpreceeding ight was delayed or cancelled; or

you or your travel companion are

unexpectedly retrenched (this doesnot include voluntary retrenchment orredundancy); or

the fnancial insolvency or fnancial collapseo a licensed service provider provided thebooking was made via a licensed travel agent.

ImportantI you want to claim under this section, you musttake steps to minimise your losses. As soon aspossible ater the cancellation you must:

recover any reund you are entitled to; and

cancel any other travel or accommodationarrangements that depend on your cancelledarrangements and that you are now unableto use.

We will pay for...

If you continue your travel

You may decide to continue your cancelledtravel arrangements. I you do this at the earliestpossible opportunity ater cancellation, we will, atour option, either:


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pay or any part o your cancelled travelarrangements that:

you have paid or but are unable to use; and

that are non-reundable; or

pay the costs o a higher class o travel, orincreased seasonal rates or travel, i thatis the only class or rate available. We willpay these costs minus the amount o anyreundable part o your cancelled travel

arrangements. We will only pay to upgradeyour travel on the type o transport you chosein your cancelled travel arrangements.

We will also pay or any part o your cancelledaccommodation arrangements that:

you have paid or but are unable to use; and

which are non-reundable.

If you do not continue your travel

You may decide not to continue with the cancelledtravel arrangements at the earliest possibleopportunity ater cancellation. I so, we will

pay or any part o your cancelled travel andaccommodation arrangements that:

you have paid or, but will not use; and

which are non-reundable.

4. Resumption of journey following the death ofa relative

We insure you or the reasonable transportexpenses incurred to return to Australia and thento resume your journey, i you have to interruptyour journey and return to Australia immediatelyollowing the death o a relative.

We will only pay ifWe will only pay i:

you resume your journey within 30 days oreturning to Australia; and

your journey had not ended beore yourreturn and there is at least a ortnight or25% o the time o your journey remaining(whichever is the greater); and

the death occurred ater you booked yourtravel; and

your claim is not excluded elsewhere in this

booklet. However, i the exclusion is due


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to your relatives pre-existing medicalcondition, we will pay benefts providedthat beore you commenced your journey a

medical proessional had not declared yourrelative as being terminally ill.

We will pay for...

We will reimburse you the costs o an economyair ticket to Australia and an economy air ticketto return you to the overseas location where

you were to be at that time when you returnedoverseas (as stated in your original itinerary).

5. Special event

I your journey is interrupted by any unexpectedcause outside o your control and as a result youare going to miss a special event which can not

be delayed, we will pay the reasonable additionalcosts o using alternative transport to arrive atthe special event destination in time or thespecial event.

6. Rental vehicle excess

We will reimburse you or any insurance excess

or deductible which you become legally liable topay in respect o a claim made under the rentalvehicle comprehensive insurance policy duringthe rental period provided:

the rental vehicle must be rented rom alicensed rental agency; and

the hiring agreement must incorporate thestandard comprehensive insurance normallyprovided by the rental agency covering loss ordamage to the rental vehicle; and

you have complied with all requirementso the rental organisation under the hiringagreement and o the rental vehicle insurer.


We will not pay or your costs arising rom:

loss or damage resulting rom the operation othe rental vehicle in violation o the terms o

the rental agreement; or wear and tear, gradual deterioration, damage

rom insects or vermin, inherent vice ordamage.


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7. Travel delay

I the departure o any scheduled transport inwhich you have arranged to travel is delayed

or at least six (6) hours due to any unoreseencause outside your control we will reimburse yourreasonable additional meal and accommodationcosts.

This beneft is only payable when you supplyreceipts or the expenses incurred and written

confrmation rom the carrier confrming theperiod o delay.

8. Funeral expenses

We insure you or uneral expenses that areincurred whilst on your journey. However, we willnot pay or your uneral expenses i your death

is the result o a pre-existing medical conditionunless we have given prior written approval tocover your pre-existing medical condition and youhave paid the administration ee.

By uneral expenses we mean:

the reasonable costs o returning your

remains or ashes to Australia; and/or

the reasonable costs o your overseas uneralor cremation.

We will pay or uneral expenses i:

you die during thejourney; and

a death certifcate given by a qualifed andregistered member o the medical proessionis shown to us as proo o the cause o death.

9. Accidental death

We will insure you, i whilst on your journeyyou die as a result o an injury sustained in anaccident (but not illness or disease) and theTransit Accident Insurance included in this bookletdoes not provide "Loss o Lie" benefts or yourdeath.

The death must occur within 12 months o theaccident and the accident must have been causedby violent, external and visible means and mustbe supported by a death certifcate, signed by aqualifed and registered member o the medicalproession.

I the transport you are travelling in is involvedin an accident caused by violent, external and


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visible means and your body can not be ound, wewill ater 12 months treat you as having died as aresult o the accident.

10. Loss of IncomeI you are a cardholder or spouse and as a resulto injuries you sustain in an accident whilst onyour journey, you are unable to resume yourusual work in Australia when you return romyour journey we will pay or your loss o income

or up to three (3) months.We will pay if

We will pay this beneft i:

the injury occurred exclusively in an accidentcaused by violent, external and visible means;and

the claim is supported by a medical certifcate,signed by a qualifed and registered membero the medical proession; and

you provide written evidence that you hadwork to return to.

But we will not pay for...We will not pay or:

the income lost rom the frst month ater thecardholder or spouse planned to resume theirusual work in Australia;

any period when thecardholder

orspouse

were not scheduled to be working;

the injury arising rom illness or disease.

11. Legal liability

We cover your legal liability during your journey.

By legal liability, we mean your responsibility topay compensation or negligently causing:

bodily harm or death to someone other thanyou; or

loss or damage to property owned orcontrolled by someone other than you.

Only we have the right to: settle or deend the claim; or

make or accept an oer or payment; or

in any way admit you are liable.


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We will pay for...

We will pay or your legal liability i:

the event that gives rise to it

happens during thejourney; and

is one that you do not intend or expect to giverise to your legal liability.

We will also pay all reasonable legal ees andexpenses i:

we incur them on your behal; or you incur them ater we agree in writing.


We will not pay or your legal liability that arises:

rom bodily harm to or the illness or death o:

any relative or travel companion; or

your employee.

rom you owning or occupying any land orbuilding (unless the building is a residence andyou occupy it as a tenant or lessee, or in some

other temporary way). rom you owning, controlling or using a

motorised vehicle, an aircrat or a watercrat(other than a non-motorised watercrat usedon inland waterways). However, i you do notown or control the transport and are using it

just as a passenger, you are not within thisexclusion.

rom your business, proession or occupation.

rom loss or damage to any property that isowned or controlled by you.

rom any fnes or penalties, including punitive,

exemplary, liquidated or aggravated damages.These are damages a judge may order aperson to pay as punishment. They aredierent rom damages that must be paid ascompensation.

EXTENDED WARRANTY INSURANCE

Extended Warranty Insurance is a beneft availableto Citi SelectandPlatinum cardholders. The coverextends the manuacturers expressed Australianwarranty on personal goods, purchased, providedthe purchase is charged to the cardholderseligible credit card account. The insurance


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does not aect the rights o cardholders againsta manuacturer in relation to contravention ostatutory or implied warranties under Australia

legislation.The insurance cover provided in respect o thepurchase o personal goods comes into eect atthe end o the Australianwarranty period thatapplies to the personal goods.

Only items with a manuacturers unique

identifcation serial number on them are coveredunder this insurance.

This extended warranty period will be or the sameperiod as the Australianwarranty period, up toa maximum o one ull year, and does not apply ithe Australianwarranty period is in excess o fve

(5) years.For Example:

Australianwarranty period

Extendedwarranty period

7 days 7 days

14 days 14 days

1 month 1 month

6 months 6 months

1 to 5 years 1 year

over 5 years No cover

This Extended Warranty only covers the ailureo personal goods to operate or the purposeor which they were designed as a result o abreakdown or deect, provided the breakdown ordeect is covered by the terms o the Australianwarranty.

The liability o Zurich or claims made pursuant tothis insurance shall not exceed:

the actual Australian dollar purchase priceo the personal goods charged to a eligible

credit card account; and in 12-month period the sum o A$20,000 per

eligible credit card account.

I a claim is to be paid under this insurance youmust obtain our approval prior to proceeding withany repairs or replacement o the personal goods

that have broken down or are deective.


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TRANSIT ACCIDENT INSURANCE

Transit Accident Insurance is a beneft availableto all Citi Select and Platinum cardholders and

is only available when the purchase price o atrip has been validly charged to a cardholderseligible credit card while this insurance is in orceand beore the trip has commenced.

This cover provides certain benefts in the evento accidentaldeath and cover or cardholders

who sustain an injury whilst on a trip, whileriding as a passenger in (not as a pilot, driver orcrewmember), or boarding or alighting (beingwhen you physically get on or o) a plane, touristbus, train or erry as outlined in this policy.

The cover provided does not include benefts as

prescribed under the Insurance Contract Act 1984.In certain circumstances the benefts also extendto the cardholder's spouse and /or dependentchild/children, provided the spouse and /ordependent child/children is travelling with thecardholder and beore the trip the total purchase

cost o the trip has been validly charged to thecardholder's eligible Platinum credit cardaccount.

The benefts listed under the Schedule o Beneftswill be paid i, the cardholder, spouse and/ordependentchildren suers accidentaldeath orinjury under the circumstances specifed in points1, 2, 3 or 4 as ollows:

1. The accidentaldeath or injury is sustainedon a trip while riding as a passenger inor boarding or alighting (being when youphysically get on or o) the plane, tourist bus,train or erry.

2. The accidentaldeath or injury is sustainedwhile riding as a passenger in (not as a pilot,driver or crew member), a licensed taxipursuant to any statute, regulation, by-law orthe equivalent thereo or the transportationo passengers or hire, provided they aretravelling directly to or rom an airport,tourist bus depot, railway station or dock,immediately preceding or ollowing thescheduled trip.

3. When, by reason o an accident specifed in 1or 2 above, a cardholder, their spouse and/or


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dependentchildren are unavoidably exposedto the elements and, as a result o suchexposure, suers accidentaldeath or injury

or which indemnity is otherwise payablehereunder, the loss shall be covered under theterms o this policy.

4. I the body o a cardholder, their spouse and/or dependent children body has not beenound within one year o the date o his/herdisappearance arising out o an accidentwhich would give rise to a loss as specifed in1, 2 or 3 above, it will be presumed that theyhave died as a result o injury caused by theaccident at the time o their disappearance.

5. A beneft payable under this policy will be paidto the injured person or, in the event o thecardholders death the beneft will be paid totheir legal representative.

Schedule of Benets

When an accident results in any o the ollowinginjuries within one year ater the date o the

accident, we will pay the amount shown oppositethe said injury.

I a person sustains more than one injuryresulting rom one accident, only the BeneftAmount or the greater injury will be paid.

Summary o benefts or cardholders

Injury Beneft Amount

Cardholder Spouse Dependent

Loss o Lie A$500,000 A$250,000 A$125,000

Loss o both

hands and/orboth eet

A$500,000 A$250,000 A$125,000

Loss o onehand inconjunctionwith one oot

A$500,000 A$250,000 A$125,000

Loss o theentire sight oboth eyes

A$500,000 A$250,000 A$125,000


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Loss o theentire sighto one eye in

conjunctionwith and onehand and/orone oot

A$500,000 A$250,000 A$125,000

Loss o onehand or one

oot

A$250,000 A$125,000 A$62,500

Loss o theentire sighto one eye

A$250,000 A$125,000 A$62,500

Where injury is used with reerence to hand oroot, this means the complete severance throughor above the wrist or ankle joint and, as used withreerence to an eye means irrecoverable loss othe entire sight thereo.

Limits on what we pay

The most we will pay in claims, under this Transit

Accident Insurance policy, that results rom theone incident (eg. a bus crash) is A$1,300,000regardless o the number o persons in theincident.

This means that i as a result o one incident anumber o cardholders, their spouses and/or

dependentchildren were injured, we would payeach on a proportional basis (using the scheduleon page 44) up to a total o A$1,300,000.

For example, i two cardholders, one spouse andone dependentchild lost their lives in the samebus crash, we would calculate the benefts payable

as ollows: Two cardholders - $1,000,000

One spouse - $250,000

One dependent child - $125,000

Total beneft amount: $1,375,000

We take the total aggregate exposure($1,300,000) and divide it by the total beneftamount ($1,375,000) to determine the percentage(94.5%) to proportionally reduce.


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In this case, the total benefts would work outto be:

Each Cardholder - $472,727

Spouse - $236,364

Dependent child - $118,182.

PURCHASE COVER INSURANCE

Purchase Cover insurance is a beneft available toCiti Select and Platinum cardholders. This cover

provides three (3) months o insurance againstloss, thet, or accidental damage over a widerange o new personal goods purchased anywherein the world, provided the purchase is charged tothe cardholders eligible credit card account.

This insurance provides automatic protection or

personal goods when their purchase is chargedto an eligible credit card account unless thepersonal goods and/or claims are excluded by theother provisions o this booklet, or the cardholderails to comply with the Claims Procedures.

The personal goods are insured anywhere in

the world or three (3) months rom the date opurchase in the event o loss, thet or accidentaldamage. However, there is no cover until you havetaken possession o the personal goods.

The liability o Zurich or claims made pursuant tothis insurance shall not exceed the lesser o:

the actual amount charged to thecardholders eligible credit card account topurchase the personal goods; or

A$10,000 per claim in respect o jewellery,watches and fne arts; or

A$200,000 in any 12-month period in respecto any one cardholders eligible credit cardaccount.


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In the event o an emergency overseas please callZurich (reverse charge) on +61 2 9995 2021

or to make a claim in Australia phone1800 648 093

ORFor more inormation on your Citibank credit card

or or Citibank Online, go to

www.citibank.com.au

Zurich Travel Insurance

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