Visa Platinum Credit Card Complimentary Insurance FAQs

Do I pay extra to be covered for the Visa Platinum Credit Card insurance?
No. The insurance is a complimentary benefit of the Nexus Mutual Visa Platinum Credit Card and you receive automatic access to the benefits detailed in the Policy Information Booklet.

What insurance cover comes with the Visa Platinum Credit card?
Nexus Mutual Visa Platinum Credit cardholders receive cover under the following plans:

  • Overseas Travel Insurance
  • Interstate Flight Insurance
  • Extended Warranty Insurance
  • Purchase Security Insurance
  • Transport Accident Insurance

The insurance cover is available provided you have activated the relevant plan in accordance with the requirements in the Nexus Mutual Visa Platinum Credit Card Insurance Policy Information Booklet.

The Plans are subject to benefit limits, exclusions and excesses as detailed in the Nexus Mutual Visa Platinum Credit Card Insurance Policy Information Booklet.

Who is eligible for the complimentary insurance cover?

  • The primary cardholder who has been issued with an Nexus Mutual Visa Platinum Credit Card;
  • The joint and additional cardholder/s to whom an Nexus Mutual Visa Platinum Credit Card has been issued for use on the same account; and
  • In the case of travel insurance (overseas and interstate), the spouse and dependent children of the cardholder or additional cardholder/s who are travelling with them on the same journey.

Note: a cardholder must be an Australian resident to be eligible for the complimentary insurance cover. This means a person who resides in Australia, either as an Australian citizen or the holder of a visa that enables them to permanently reside in Australia or is the holder of a protected special category visa.

Am I covered if I’m transferred overseas to work for a period of time.
There is no cover under any of the insurance plans if you do not meet the policy terms and conditions while you are residing overseas. Refer to the Nexus Mutual Visa Platinum Credit Card Policy Information Booklet for full details of cover.

Am I covered if I use another credit card?
No. Cover is only available under the insurance plans for purchases made using a current Nexus Mutual Visa Platinum Credit Card.

I have an current Nexus Mutual Visa Platinum Credit Card – how does the Overseas Travel Insurance Plan cover work?
The Overseas Travel Insurance Plan will automatically apply if you pay at least $500 of pre-booked overseas transportation costs and/or accommodation costs and/or land tours, all of which are inclusive of any charges, fees and taxes, with your Nexus Mutual Visa Platinum Credit Card charged directly by the merchant. Refer to the Nexus Mutual Visa Platinum Credit Card Policy Information Booklet for full details of cover.

Are there any age limits?
The Overseas Travel insurance plan covers current cardholders who are under ninety (90) years of age at the time the full cost of the journey is paid for using the Nexus Mutual Visa Platinum Credit Card and under ninety-one (91) years of age at the date of loss.

There are some restrictions on the benefits available to cardholders above the age of seventy five (75) years at the date of loss. Refer to the Nexus Mutual Visa Platinum Credit Card Policy Information Booklet for full details of cover.

Is there any limit on the length of cover for an overseas journey?
The maximum period of cover is six (6) consecutive months from the time you leave your usual place of residence in Australia to travel overseas.

What is Interstate Flight Insurance?
The Interstate Flight Insurance Plan provides certain cover for interstate air travel incidences provided you pay 100% of the cost of your return airfares, inclusive of charges, fees and taxes, using your Nexus Mutual Visa Platinum Credit Card charged directly by the merchant. Refer to the Nexus Mutual Visa Platinum Credit Card Policy Information Booklet booklet for full details of cover.

Can I use frequent flyer or similar loyalty points to pay for the Interstate airfare?
Redemption using frequent flyer or similar loyalty program points to pay for all or part of the return interstate airfare will not activate the Interstate Flight Insurance Plan.

What is Extended Warranty Insurance?
Extended Warranty Insurance extends the period of the original warranty for up to twelve months on a new domestic appliance product purchased in Australia and which is paid for in full by a cardholder with a Nexus Mutual Visa Platinum Credit Card charged directly by the merchant. Refer to the Nexus Mutual Visa Platinum Credit Card Policy Information Booklet for full details of cover.

What is Purchase Security Insurance?
Purchase Security Insurance provides ninety days of insurance against loss, theft or accidental damage anywhere in the world for new personal items you purchase with your Nexus Mutual Visa Platinum Credit Card.

What is Transport Accident Insurance?
Transport Accident Insurance provides certain accidental death and bodily injury insurance for cardholders who sustain bodily injury while riding as a passenger in (not as a pilot, driver or crew member), or boarding or alighting from a plane, tourist bus, train or ferry which has been paid for in full prior to the commencement of the trip on your Nexus Mutual Visa Platinum Credit Card charged directly by the merchant.

The cardholder’s spouse/dependent child will also be covered when the spouse/dependent child are accompanying the cardholder on the same trip and before boarding the transportation, the full cost of the spouse's/dependent child’s trip was charged to the cardholder’s Nexus Mutual Visa Platinum Credit Card.

Refer to the Nexus Mutual Visa Platinum Credit Card Policy Information Booklet for full details of cover.

What if I’m overseas and need emergency assistance?
Chubb has retained the services of Chubb Assist to provide 24 hour emergency and medical assistance
services outside of Australia. In an emergency you can:

  • Contact the operator in the country you are in and book a reverse charge call to Australia on +61 2 8907 5991; or
  • Contact Chubb Assist direct on + 61 2 8907 5689 and request them to call you back.

How can I get more information about the insurance plans?
For more information about the terms and conditions of the Nexus Mutual Visa Platinum Credit Card Insurance please refer to the Policy Information Booklet which is available at nexusmutual.com.au

Alternatively contact Chubb Insurance on 1800 251 881 for more information.

How do I make a claim under the policy?
For any claims under the insurance policy please contact Chubb Insurance on 1800 251 881 or email aus.ahclaims@chubb.com