American Express Velocity Platinum Card Benefits

American Express Velocity Platinum

Card Benefits

Terms and Conditions

Effective from 1 April 2019

If you have not already accepted these Benefits Terms and Conditions, your first use of the Card Account will indicate your agreement to these

Benefits Terms and Conditions.

TABLE OF CONTENTS

1. ELIGIBILITY & ACTIVATION OF INSURANCE BENEFITS

4

2. SUMMARY OF BENEFITS AND SCOPE OF COVER

6

3. IMPORTANT INFORMATION ABOUT THIS COVER

8

4. DEFINITIONS

9

5. BENEFITS

12

SECTION (A) TRANSPORT ACCIDENT COVER

12

SECTION (B) TRAVEL INCONVENIENCE COVER

13

SECTION (C) MEDICAL EMERGENCY EXPENSES COVER

15

SECTION (D) RESUMPTION OF JOURNEY COVER

17

SECTION (E) BAGGAGE, MONEY AND DOCUMENTS COVER 18

SECTION (F) TRAVEL CANCELLATION COVER

20

SECTION (G) PERSONAL LIABILITY COVER

22

SECTION (H) PURCHASE PROTECTION COVER

23

SECTION (I) REFUND PROTECTION COVER

24

6. GENERAL TERMS AND CONDITIONS APPLICABLE

TO ALL SECTIONS A?I ABOVE

25

7. HOW TO MAKE A CLAIM

27

8. MAKING A CLAIM UNDER THESE TERMS AND CONDITIONS 27

9. COMPLAINTS AND DISPUTE RESOLUTION

28

10. PRIVACY STATEMENT

29

11. GENERAL INSURANCE CODE OF PRACTICE

30

12. FINANCIAL CLAIMS SCHEME AND COMPENSATION

ARRANGEMENTS

31

AMERICAN EXPRESS VELOCITY PLATINUM CARD

LOUNGE PASS TERMS AND CONDITIONS

32

AMERICAN EXPRESS VELOCITY PLATINUM CARD

DOMESTIC RETURN FLIGHT TERMS AND CONDITIONS

35

AMERICAN EXPRESS VELOCITY PLATINUM CARD STATUS CREDITS 38

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Insurance

3

TERMS AND CONDITIONS

American Express Velocity Platinum Card Insurances Policy Number: 09NACVRP06 Cover is effective from 1 April 2019 These Terms and Conditions were prepared on 1 April 2019. This booklet contains important information about Your American Express Velocity Platinum Card complimentary insurance and should be read carefully and stored in a safe place. We recommend that You take a copy with You when You travel. Please familiarise Yourself with its contents. We want to ensure You are clear about what Your American Express Velocity Platinum Card complimentary insurance covers You for. So if You are unclear about anything in this document, please call Chubb on 1800 236 023 and Our insurance team will be happy to assist You with any enquiries. Please note that amounts quoted are in Australian dollars.

1. ELIGIBILITY & ACTIVATION OF INSURANCE BENEFITS Important: In order to be eligible for the complimentary insurance benefits, You must first purchase the full fare for a Trip, or an Eligible Item, on the American Express Velocity Platinum Card Account. See the table below for details about when You are eligible for cover:

ACTIVATION OF TRANSPORT ACCIDENT COVER

Cover is effective when You pay the full fare for a Trip on the American Express Velocity Platinum Card Account or with Velocity Points.

ACTIVATION OF TRAVEL INSURANCE COVER:

Cover is effective when You pay the full fare for a Trip on the American Express Velocity Platinum Card Account or with Velocity Points. An American Express Velocity Platinum Card Account Primary Card Member travelling on a flight booked as part of the Complimentary Virgin Australia Domestic Economy Return Flight benefit.

ACTIVATION OF PURCHASE PROTECTION COVER:

Cover is effective when You purchase Eligible Items on the American Express Velocity Platinum Card Account.

ACTIVATION OF REFUND PROTECTION COVER:

Cover is effective when You purchase Eligible Items on the American Express Velocity Platinum Card Account in Australia.

Important: Additional Card Members are not covered for Travel Insurance benefits (see table on page 5). If you are an Additional Card Member or an Additional Card Member is travelling with You on a Trip, You should consider whether these benefits provide adequate cover. The Additional Card Member may need to take out a seperate travel insurance policy.

4

The table below provides details of who is covered under the insurance benefits:

Section Benefit

Primary

Additional

Card Member Card Member

TRANSPORT ACCIDENT COVER

A

Transport Accident

Cover

TRAVEL INSURANCE COVER

B

Travel Inconvenience

Cover

No Cover

C

Medical Emergency

Expenses Cover

(For 24-hour medical and travel emergency assistance call Chubb Assistance on +61 29335 3492)

No Cover

D

Resumption of

Journey Cover

No Cover

E

Baggage, Money and

Documents Cover

No Cover

F

Travel Cancellation

Cover

No Cover

G

Personal Liability

Cover

No Cover

PURCHASE PROTECTION COVER

H

Purchase Protection

cover

REFUND PROTECTION COVER

I

Refund Protection

cover

For medical and travel emergencies please contact Chubb Assistance on +61 2 9335 3492. IF YOU REQUIRE EMERGENCY ASSISTANCE ANYWHERE IN THE WORLD CONTACT THE LOCAL TELEPHONE OPERATOR AND REQUEST A REVERSE CHARGE CALL.

For claims and general inquiries about these Terms and Conditions, please contact Chubb:

Address:

Grosvenor Place, Level 38, 225 George Street, Sydney NSW 2000 Australia

Postal Address:

GPO Box 4065, Sydney NSW 2001

Telephone:

1800 236 023

Overseas Telephone: +61 2 9335 3492

Facsimile:

+61 2 9335 3467

Email:

Card MemberServices.ANZ@

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2. SUMMARY OF BENEFITS AND SCOPE OF COVER

The table below provides a helpful summary of the benefits provided pursuant to the Master Policy and the terms and conditions which apply. Excesses may apply for some benefits.

Section Benefit

Summary

Page

TRANSPORT ACCIDENT COVER

A

Transport

Cover for:

13

Accident

? Loss arising while riding as a

Cover

passenger on, or transport

to/from, a Common Carrier

Conveyance

? Loss arising while in a departure or destination terminal

? Loss arising from exposure and disappearance.

TRAVEL INSURANCE COVER

B

Travel

Cover for:

14

Inconvenience ? delayed flight departure,

Cover

flight cancellation, denied

flight boarding, missed flight

connections

? luggage delay checked on Scheduled Flight, extended luggage delay checked on Scheduled Flight.

C

Medical

Cover for:

16

Emergency ? Repatriation/Evacuation, cost of

Expenses

overseas Treatment, emergency

Cover

dental Treatment and reasonable

extra accommodation costs in the

event of a Medical Emergency.

Excess: $250 per claim

In an emergency:

Contact Chubb Assistance as soon as You have an emergency on +61 2 9335 3492 and provide Your American Express Velocity Gold Card Account number and as much information as possible. Please provide a telephone or fax number where You can be contacted.

We will not pay medical costs over $1,500 without prior authorisation by Chubb Assistance.

D

Resumption of Cover for:

19

Journey Cover ? Cost to resume a Trip after it has

been interrupted following the

death, imminent death, serious

accident or acute illness of a

Close Relative (who is not more

than eighty (80) years of age).

Excess: $250 per claim

6

E

Baggage,

Cover for:

19

Money and ? damaged, destroyed, lost, or

Documents

stolen Personal Baggage or

Cover

Money and Documents during

a Trip.

Excess: $100 per claim except laptop computers which are $250 per claim

F

Travel

Cover for:

21

Cancellation ? non-refundable deposits,

Cover

pre-paid excursion costs and

leisure activities and unused

travel and accommodation

costs You have paid where You

have had to cancel a Trip for

certain reasons.

Excess: $250 per claim

G

Personal

Cover for:

23

Liability Cover ? Your liability for damages for

injury to any person or damage

or accidental loss to property.

PURCHASE PROTECTION COVER

H

Purchase

Cover for:

25

Protection

? loss, theft or damage to an

Cover

Eligible Item within 90 days

of purchase.

Excess: $50 per claim

REFUND PROTECTION COVER

I

Refund

Cover for:

25

Protection

? the Purchase Price of an unused

Cover

Eligible Item if You try to return

it to the Retailer within 90 days

of the purchase and the Retailer

will not take it back.

This is a summary only. Please refer to each benefit section of the document for a complete list of benefit limits and applicable terms and conditions.

Exclusions and Limitations

As with all insurance policies, there are some very important exclusions and limitations that apply. You should read this document carefully. This policy contains both general and specific exclusions. General exclusions apply to all parts of the Policy and can be found at page 25 under the section titled General Exclusions. Specific exclusions apply only to specific parts of the policy and can be found at the end of each benefit section.

We have highlighted a few important exclusions and limitations below:

? Losses arising from any Pre-existing Medical Conditions are not covered.

? You must be under eighty (80) years of age and in a good state of health and fit to travel.

? Losses arising from the death, imminent death, serious accident or acute illness of any Close Relative who is over the age of eighty (80) years are not covered.

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? Items left Unattended in a Public Place are not covered.

(a) Public Place means, but is not limited to, shops, buses, planes, trains, taxis, airports, bus depots, hotel foyers, restaurants, cafes, beaches and any place that is accessible by the public.

(b) Unattended means when Your possessions are not under Your observation and within Your reach and/or Your possessions can be taken without You being able to prevent them from being taken.

Termination

Cover will terminate at the earlier of the following:

? cancellation of the American Express Velocity Platinum Card Account; or

? termination of the Master Policy.

The cover provided is subject to any endorsements and/or amendments to the Master Policy from time to time. A copy of any updated information is available to You at no cost by visiting the website at content/dam/amex/au/pdfs/credit-cards/ pds_velocityplatinum.pdf.

This document replaces and supersedes any certificates that have been previously issued or details of terms of cover for the Master Policy provided prior to the effective date of these Terms and Conditions.

3. IMPORTANT INFORMATION ABOUT THIS COVER

These Terms and Conditions set out important information about Transport Accident Cover, Travel Inconvenience Cover, Medical Emergency Expenses Cover, Resumption of Journey Cover, Baggage, Money and Documents Cover, Travel Cancellation Cover, Personal Liability Cover, Purchase Protection Cover and Refund Protection Cover.

These Terms and Conditions explain the nature of the insurance arrangement and its relevant benefits and risks.

AEAL holds a Master Policy (Chubb reference number 09NACVRP06 the "Master Policy") with Chubb.

Under the Master Policy, You get access to the benefits detailed in these Terms and Conditions (subject to the terms and conditions specified) provided by Chubb as the insurer where You have met the activation and eligibility requirements set out in the Eligibility & Activation of Insurance Benefits above. You are not charged by Chubb for these benefits.

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 AEAL can do this) and You do not enter into any agreement with Us. AEAL 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 AEAL nor any of its related corporations are Authorised Representatives (under the Corporations Act 2001 (Cth)) of Chubb or any of its related companies.

AEAL is not authorised to provide any advice, recommendations or opinions about this insurance on behalf of Chubb.

No advice is provided by Chubb on whether this insurance is appropriate for Your needs, financial situation or objectives. You should read these Terms and Conditions carefully and contact Chubb if assistance is required.

There is no obligation to accept any of the benefits of this cover. However, if You wish to make a claim under the cover provided in the Terms and Conditions, You will be bound by the definitions, terms and conditions, exclusions and claims procedures set out in this document.

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