In the event that you suffer a critical illness, or total and permanent disability or death, your outstanding credit card balance will be paid in full, up to $50,000.
Fortunately, it’s never been easier or more affordable to insure your credit card repayments, and only takes a few minutes to protect yourself.
|What am I covered for?|
Disability (through injury or illness)
Total and permanent disability
The total outstanding balance of your credit card, up to $50,000 is paid, in the event of your total and permanent disability.
The total outstanding balance of your credit card, up to $50,000 is paid, in the event of a covered critical illness.
The total outstanding balance of your credit card, up to $50,000 is paid, in the event of your death.
If your death is accidental, an equal and additional sum to the Life Benefit will be payable to your estate, up to a further $50,000.
A lump sum benefit of $200 is paid if your credit card is reported as stolen to the police.
|How much does it cost?|
|How do I apply for ANZ Credit Card Insurance?|
I don't have an ANZ credit card
I already have an ANZ credit card
Before you apply, please read the ANZ Financial Services Guide (PDF 104kB) and the ANZ Credit Card Insurance Product Disclosure Statement (PDF 660kB).
If you have further questions about ANZ Credit Card Insurance, please call us on 13 33 33.
|How do I make a claim?|
Making a claim under your ANZ Credit Card Insurance is simple.
If your claim is for the disability or unemployment benefit you may also complete the,
and fax it to 02/9234 5015 or email it to firstname.lastname@example.org.
Please ensure that all sections of the forms are fully completed and that you provide any additional documentation as required in the form.
After receiving the claim, we will advise if any additional information is required before advising the outcome of our assessment.
If you have already lodged a claim for a disability or unemployment benefit which has been accepted by us and you require a form to receive further benefits, you can complete the ANZ Credit Card Insurance Progress Claim form (PDF 156kB) and send it to us.
|Terms and conditions|
Please note that terms and conditions apply. For full details on benefits and exclusions, please read the ANZ Credit Card Insurance Product Disclosure Statement (PDF 660kB).
Existing customers with an ANZ CreditCover policy:
- Please read the Product Disclosure Statement for ANZ CreditCover - no longer for sale (PDF 796kB) or Product Disclosure Statement for ANZ CreditCover Plus - no longer for sale (PDF 456kB).
This cover is not available for Visa Debit cardholders.
The monthly premium is 85c per $100 of the closing balance on your monthly credit card statement (up to a maximum credit card balance of $50,000).
There is no cover for pre-existing medical conditions for the first 6 months after the policy commencement date. Qualifying periods and waiting periods apply to some benefits and certain conditions, limitations and exclusions apply as set out in the PDS. Minimum employment conditions must be satisfied to be eligible to claim the Involuntary Unemployment Benefit. To apply for ANZ Credit Card Insurance, you must be aged 18 to 65, be an Australian or New Zealand citizen or a holder of an Australian Permanent Residency Visa or a holder of a Subclass 457 Visa to apply. You must also currently reside in and receive this PDS in Australia. ANZ Credit Card Insurance ends on your 66th birthday.
This information is of a general nature only and does not take into account your personal needs and financial objectives. You should read the ANZ Credit Card Insurance Product Disclosure Statement (PDF 660kB) and the ANZ Financial Services Guide (PDF 104kB) before deciding to acquire or hold this product.
OnePath Life Limited (OnePath Life) ABN 33 009 657 176 AFSL 238 341 and OnePath General Insurance Pty Limited (OnePath General) ABN 56 072 892 365 AFSL 288 160 are wholly owned subsidiaries of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 which is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Life and OnePath General are the issuers of the product but are not Banks. Except as set out in the issuers’ contract terms (including the PDS), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuers.
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