NAB Card Insurance Policy
Notice of ChangeThis Notice of Change amends the NAB Card InsurancePolicy Information Booklet with an effective date of 31March 2021 and should be read in conjunction with thatbooklet. The amendments are effective 30 June 2022 andare as follows:Updated address for Allianz AustraliaWhere ‘2 Market Street, Sydney, NSW, 2000’ appears onthe inside front cover and page 5, it is to be updated with‘Level 16, 10 Carrington St, Sydney, NSW 2000’.Updated General Insurance Code of PracticeUpdate the General Insurance Code of Practice section onpage 89 to:The General Insurance Code of Practice was developedby the Insurance Council of Australia to further raisestandards of practice and service across the insuranceindustry. The Code Governance Committee (CGC) is anindependent body that monitors and enforces insurers’compliance with the Code.You can obtain more information on the Code of Practiceand how it assists you by contacting us. Contact details areprovided on the inside front cover of this booklet. For moreinformation on the Code Governance Committee (CGC)go to www.insurancecode.org.au.Updated ComplaintsUpdate the Complaints section on pages 89 to:If you are dissatisfied with our service in any way, pleasecontact us and we will attempt to resolve the matterin accordance with our internal dispute resolutionprocedures.If we do not make a decision within the period that wetell you we will respond, we will tell you about your rightto lodge a complaint with an external dispute resolutionscheme.If you are not happy with our response, you can refer yourcomplaint to AFCA subject to its terms of reference. AFCAprovides a free and independent dispute resolution service
for consumers who have general insurance disputes fallingwithin its terms. AFCA’s contact details are:The Australian Financial Complaints AuthorityOnline: www.afca.org.auPhone: 1800 931 678Email: info@afca.org.auMail: GPO Box 3 Melbourne VIC 3001For more information on how we handle complaints youcan request a copy of our procedures, using our contactdetails on the inside front cover.The following changes relate to epidemics andpandemics1. Update exclusion 6 on page 29 to:your claim arises because you did not follow an adviceor warning that a reasonable person would have beenaware of: by the Australian government (when a ‘Reconsideryour need to travel’ or ‘Do not travel’ alert is inplace), which can be found on www.smartraveller.gov.au; or which was published in a reliable mass mediasource.2. Update exclusion 17 on page 30 to:any epidemic or pandemic, unless your claim relatesto you or your travel companion being positivelydiagnosed as suffering a sickness recognised as anepidemic or pandemic, such as COVID-19, and cover isexpressly included in the following sections:1.1 Overseas Emergency Assistance1.2 Overseas Emergency Medical1.4 Medical Evacuation & Repatriation2.1 Cancellation3.1 Additional Expenses;3. Add the following wording to ‘Part E – The CoverAvailable’ on page 32:Epidemics and Pandemics (such as COVID-19)If, during the period of cover available, you (includingyour spouse and/or dependants who are eligible
for cover) are positively diagnosed as suffering asickness recognised as an epidemic or pandemic,such as COVID-19, cover is available to you under thefollowing sections:1.1 Overseas Emergency Assistance1.2 Overseas Emergency Medical1.4 Medical Evacuation & Repatriation2.1 Cancellation3.1 Additional ExpensesIf your travel companion is positively diagnosed assuffering a sickness recognised as an epidemic orpandemic, such as COVID-19, which impacts yourjourney, cover is available to you under the followingsections:2.1 Cancellation3.1 Additional ExpensesTerms, conditions, limits and exclusions apply. Pleaserefer to Part D - General Exclusions and the exclusionsset out in each of the above sections.For example, you will not be covered if you arepositively diagnosed as suffering a sickness recognisedas an epidemic or pandemic while travelling againstan advice or warning issued by an Australiangovernment and you did not take reasonable careto avoid contracting the sickness (for example bydelaying travel to the country or part of the countryreferred to in the warning), refer to General Exclusions6 and 16 in Part D for more information. Please note,this also applies even if the Australian governmenthas given you permission to travel or you fall under aspecific exemption where there is otherwise a travelban in place that prohibits you from travelling.For all other sections and any other claim arising from,or related to, epidemics or pandemics, there is nocover.4. The text highlighted in red below has been addedto ‘1.1.1 Allianz Global Assistance will arrange’ onpage 36 to:1.1.1 Allianz Global Assistance will arrangeIf:
you are aged under seventy six (76) years on thedate you depart on your journey; and while overseas during the period of cover availablefor your journey,you are injured or become sick (including if you arepositively diagnosed as suffering a sickness recognisedas an epidemic or pandemic, such as COVID-19),provided the relevant injury or sickness is covered,Allianz Global Assistance will arrange for the followingassistance services:a. access to a medical adviser for emergency medicaltreatment while overseas;b. any messages which need to be passed on to yourfamily or employer in the case of an emergency;c. provision of any written guarantees for payment ofreasonable expenses for emergency hospitalisationwhile overseas;d. advice and assistance with emergency travelplanning.5. The text highlighted in red below has been addedto ‘1.2.1 What we cover Overseas medical expensesdue to covered injury or sickness’ on page 37 to:1.2.1 What we coverOverseas medical expenses due to covered injury orsicknessIf: you are aged under seventy six (76) years on thedate you depart on your journey; and during the period of cover available for yourjourney, you are injured overseas or becomesick (including if you are positively diagnosed assuffering a sickness recognised as an epidemic orpandemic, such as COVID-19) while overseas, wewill reimburse the reasonable medical expensesyou incur until you get back to Australia providedthat the relevant injury or sickness is covered by thisinsurance.
6. The text highlighted in red below has been added to‘1.4.1 What we cover’ on page 39 to:1.4.1 What we coverIf: you are aged under seventy six (76) years on thedate you depart on your journey; and while overseas during the period of cover availablefor your journey,you injure yourself or become sick (including if you arepositively diagnosed as suffering a sickness recognisedas an epidemic or pandemic, such as COVID-19)and the relevant injury or sickness is covered bythis insurance, we will pay the reasonable cost ofyour medical transfer or evacuation if you must betransported to the nearest hospital for emergencymedical treatment overseas or be brought back toyour home on the written advice of a medical adviser.7. The text highlighted in red below has been added to‘2.1.1 What we cover’ on page 42 to:2.1.1 What we coverIf during the period of cover available, your journey iscancelled, disrupted or rescheduled because of any ofthe following circumstances that are not expected orintended by you: your unforeseen death, accidental injury orsickness (including if you or your travel companionare positively diagnosed as suffering a sicknessrecognised as an epidemic or pandemic, such asCOVID-19, which reasonably prevents you fromtravelling); the unforeseen death, accidental injury or sicknessof your relative aged under 80 years; the unforeseen death, accidental injury or sicknessof your business partner or a member of yourtravelling party; or any other unforeseen circumstances outside yourcontrol that are not excluded,we will reimburse you:
8. The text highlighted in red below has been added to‘3.1.1 What we cover’ on page 45 and 46 to:Additional travel & accommodation expenses due toyour incapacitya. If: you are aged under seventy six (76) years on thedate you depart on your journey; and during the period of cover available for yourjourney, you cannot continue your journeybecause of an injury or sickness (including if youare positively diagnosed as suffering a sicknessrecognised as an epidemic or pandemic, such asCOVID-19) covered by this insurance, that occursduring the period of cover available for yourjourney and needs immediate treatment froma medical adviser who certifies in writing thatyou are unfit to travel, we will reimburse yourreasonable additional accommodation andtravel expenses.Additional travel & accommodation expenses due toyour travel companion’s incapacityb. If your travel companion cannot continue theirjourney because of an injury or sickness (includingif your travel companion is positively diagnosedas suffering a sickness recognised as an epidemicor pandemic, such as COVID-19) that would becovered by this insurance, which occurs duringthe period of cover available for your journey andwhich needs immediate treatment from a medicaladviser who certifies in writing that your travelcompanion is unfit to travel, we will reimburseyour reasonable additional accommodation andtravel expenses for you to remain with your travelcompanion.In all other respects the booklet remains unaltered.AWP Australia Pty Ltd ABN 52 097 227 177 AFSL 245631,trading as Allianz Global Assistance (AGA), under a binderfrom the insurer, Allianz Australia Insurance Limited ABN15 000 122 850 AFSL 234708 (Allianz), has issued aninsurance group policy to National Australia Bank LimitedABN 12 004 044 937 AFSL and Australian credit licence230686 (NAB) which allows eligible persons to claimunder it as third party beneficiaries. Access to the benefit
of cover under the NAB card insurances is availableto eligible NAB cardholders and other eligible thirdparty beneficiaries by operation of s48 of the InsuranceContracts Act 1984 (Cth). Any advice on insurance isgeneral advice only and not based on any considerationof your objectives, financial situation or needs. You mustcheck whether or not it is appropriate, in light of your owncircumstances, to act on this advice.IMP3168
NAB CARDINSURANCEPolicy Information Bookleteffective 31 March 2021
The information in this booklet is subject to change fromtime to time and is correct and current as at the date onthe cover. When any changes to terms and conditionsrelated to insurance coverage are made, NAB will letyou know by alerting you on your card statement orby electronic notification including email, SMS or otherelectronic communications. Details of the change/s will bepublished on www.nab.com.au.For more information or to make a claimPlease take the time to read through this booklet. If youhave any questions or need more information, pleasecontact Allianz Global Assistance:Claims & EnquiriesWithin Australia:1800 187 025 (Toll free) (Monday toFriday from 8:30am to 5:00pm AEST).Calls from mobiles, public telephonesor hotel rooms may attract additionalchargesOutside ofAustralia 61 7 3305 8800. Calls from mobiles,public telephones or hotel roomsmay attract additional ostal address:Locked Bag 3014, TOOWONG DC,QLD 4066Emergency Assistance 24 hours 7 daysOutside ofAustralia: 61 7 3305 8800. Calls from mobiles,public telephones or hotel rooms mayattract additional chargesEmail:medical@allianz-assistance.com.auWe will reimburse the reasonable communication costsyou incur to contact Allianz Global Assistance.For travel claims you can lodge your claim online 24 hoursa day, 7 days a week at: claimmanager.com.au/nabThe group policy insurer is:Allianz Australia Insurance LimitedABN 15 000 122 850, AFSL 234708 of2 Market Street, Sydney NSW 2000.For non-travel related claims please contact Allianz GlobalAssistance by phone or email using the contact detailslisted above.Letter of EligibilityThe group policy is issued and managed by:AWP Australia Pty Ltd ABN 52 097 227 177, AFSL 245631trading as Allianz Global Assistance ofLevel 16, 310 Ann Street,Brisbane, QLD 4000.Allianz Global Assistance will respond to requests fromNAB Cardholders seeking a policy number by providing aletter of eligibility which sets out:a. NAB Card Insurances reference number; andb. the eligibility criteria.You can obtain a letter of eligibility online 24 hours a day,7 days a week at: www.checkyourcover.com.au/nab1
CONTENTSImportant Information about thecomplimentary covers available Transit Accident Insurance 715Part A - Eligibility for cover 71Introduction 5Who is eligible? 71Allianz - the insurer 5Who else is eligible? 71NAB is not the issuer (insurer) of the covers 6Dependants under the age of two years 71Termination or variation of cover 6Part B - Period of Cover 71Other insurances 6Part C - Benefit Limits 72Limitation of cover 7Group policy aggregate limit 72Allianz Global Assistance Privacy Notice 7Part D - Excess & Exclusions 73Definitions 10Part E - The cover available 74International Travel Insurance 17Rental Vehicle Excess in Australia Insurance 75Part A - Eligibility for cover 17Part A - Eligibility for cover 75Who is eligible? 17Who is eligible? 75Who else is eligible? 17Part B - Period of Cover 75Part B - Period of Cover 18Part C - Benefit Limits 75Part C - Benefit Limits 20Part D - Excess & Exclusions 76Part D - Excesses & General Exclusions 28Part E - The cover available 77Part E - The cover available 32Pre-existing Medical Conditions 32Purchase Protection Insurance 78Pregnancy 32Part A - Eligibility for cover 78Emergency & Medical Services while overseas 34Who is eligible? 78Travelling Overseas 34Part B - Period of Cover 78Part C - Benefit Limits 78Part D - Excess & Exclusions 79Part E - The cover available 80Sections 1.1 to 6.1 Interstate Flight Inconvenience Insurance 60Part A - Eligibility for cover 60Who is eligible? 60Extended Warranty Insurance 82Who else is eligible? 60Part A - Eligibility for cover 82Dependants under the age of two years 60Who is eligible? 82Part B - Period of Cover 61Part B - Period of Cover 82Part C - Benefit Limits 61Part C - Benefit Limits 83Part D - Excesses & General Exclusions 62Part D - Excess & Exclusions 83Part E - The cover available 65Part E - The cover available 84Sections 1.1 to 4.1 236 - 5965 - 703
Claims 85How to make a claim 85Depreciation 86IMPORTANT INFORMATION ABOUTTHE COMPLIMENTARY COVERSAVAILABLEClaims are payable in Australian Dollars 87IntroductionYou must not admit fault or liability 87You must help us recover any money we have paid 87Recovery 87How GST may affect your claim 88Fraud 88This booklet describes the complimentary insurancebenefits provided by Allianz, which are available to NABcardholders and other eligible beneficiaries. Cover appliesto events occurring on or after 31 March, 2021. You are notcovered for events occurring after termination of or theexpiry of the period of the group policy. NAB will provideaccountholders with details of any replacement cover.Complaints & Disputes 89General Insurance Code of Practice 89Allianz - the insurerThe covers are available under a group policy issued toNational Australia Bank Limited, ABN 12 004 044 937(NAB) of 800 Bourke Street, Docklands, VIC 3008 by AWPAustralia Pty Ltd, ABN 52 097 227 177, AFS Licence No245631 trading as Allianz Global Assistance of Level 16,310 Ann Street, Brisbane, QLD 4000 (Allianz GlobalAssistance) under a binder from the insurer, AllianzAustralia Insurance Limited, ABN 15 000 122 850, AFSLicence No. 234708, of 2 Market Street, Sydney, NSW 2000(Allianz).For general enquiries call Allianz Global Assistance.Allianz Global Assistance issues and manages the grouppolicy on behalf of Allianz.NAB is the group policy owner. When eligible, you havethe benefit of cover as a third party beneficiary by reasonof the statutory operation of Section 48 of the InsuranceContracts Act 1984 (Cth).There is no obligation to accept any of these benefits.However, if you wish to claim any of these benefits,you will be bound by the definitions, terms, conditions,limits, exclusions and claims procedures contained in thisbooklet.Please read this booklet carefully and keep it in a safeplace. Also please keep detailed particulars and proof ofany loss including the sales receipts and NAB cardaccount statements showing any purchases.45
NAB is not the issuer (insurer) of the coversLimitation of coverNAB is not the issuer (insurer) of the covers and neither itnor any of its related corporations guarantee or are liableto pay any of the benefits under the cover available.Notwithstanding any other terms, we shall not be deemedto provide cover and we will not make any payments norprovide any service or benefit to any person or other partyto the extent that such cover, payment, service, benefitand/or any business or activity of the person wouldviolate any applicable trade or economic sanctions law orregulation.These benefits are available at no additional cost tothe beneficiaries, neither NAB nor any of its relatedcorporations are Authorised Representatives of Allianz,Allianz Global Assistance or any of their relatedcompanies and NAB does not receive any commission orremuneration in relation to the insurance set out in thisbooklet.Termination or variation of coverNAB or Allianz may terminate or vary any one or all ofthe covers described in this booklet, and if so NAB willnotify accountholders of the termination or changein writing. The existing cover will only apply to eventsoccurring before the date of change or termination. Nocover is available for events occurring after the date oftermination. NAB will provide accountholders with detailsof any replacement cover.Other InsurancesIf you are entitled to receive a benefit or make a claimunder another insurance policy (Other Policy) (for example,a comprehensive travel insurance policy you purchasedseparately for your overseas journey), in respect of thesame loss as your claim under this group policy, then,subject to the provisions of the Insurance Contracts Act1984 (Cth) Allianz is not liable to provide indemnity underthis group policy until the amount of any indemnity underthat Other Policy is exhausted. In other words, any covermade available under this group policy in respect of thesame loss shall only be excess insurance cover over andabove the applicable Other Policy.If you make a claim under another insurance policy andyou are not paid the full amount of the claim, then,subject to the provisions of the Insurance Contracts Act1984 (Cth), the cover made available to you under thegroup policy will make up the difference, to the extentof cover that applies, in accordance with the terms andconditions contained in this booklet.We may seek contribution from your other insurer.You must give us any information that we reasonablyrequire to help us make a claim from the other insurer.6Allianz Global Assistance Privacy NoticeTo offer or provide you with our insurance services, we,namely AWP Australia Pty Ltd ABN 52 097 227 177 tradingas ‘Allianz Global Assistance’ and as agent for the insurerAllianz, collects, stores, uses, and discloses your personalinformation including sensitive information. The insurancecover arises from a group policy taken out between yourbank and Allianz and under which you are entitled tocover as a beneficiary when you meet the eligibility criteriaset out in the group policy wording.We usually collect your personal information directly fromyou, but sometimes from others depending upon thecircumstances.For example, when you make a claim for cover, wemay collect your personal information from you,the group policy holder to check you have meteligibility requirements, your family members andtravel companions, as well as from third parties thatprovide services including doctors, hospitals, airlines,travel and accommodation providers, your agents andrepresentatives, our agents, and other service providers.We are responsible for ensuring your personal informationis used and protected in accordance with applicable lawsand regulations, including the Privacy Act 1988. We collectyour personal information to enable us to properly assessand manage your insurance claim, and to provide theservices we have agreed to provide under the group policy.For example, we collect your name, address, date of birth,email address, and sometimes your medical information,bank account details, as well as other information wecollect through devices like ‘cookies’ when you visit ourwebsite such as your IP address and online preferences.We use your personal information to offer and provideour services and to manage your and our rights andobligations in connection with your claim. For instance,we use it to check, process, and finalise your insurance7
claim. We may also use it for product development,customer data analytics, research, IT systems maintenanceand development, recovery against third parties, forthe detection and investigation of fraud, and for otherpurposes with your consent or where permitted by law.For more information about our corporate privacy policyand handling of personal information, including furtherdetails about access, correction and complaints, pleasevisit our website at www.allianz-assistance.com.au andclick on the ‘Privacy & Security’ link in the footer.We do not use your personal or sensitive information formarketing purposes or provide that information to anythird parties for marketing.If you do not agree with the matters set out in our privacypolicy or will not provide us with the personal informationwe request, we may not be able to provide you withour services including the assessment and payment ofany claims. In cases where we cannot comply with yourrequest concerning your personal information, we willgive you reasons why.Your personal information may be disclosed to thirdparties (some of whom are data processors) who assist usto carry out the above activities both inside and outsideof Australia, such as claims management providers,travel agents and intermediaries, insurers, investigators,cost containment providers, medical and health serviceproviders, overseas data storage (including ‘cloud’ storage)and data handling providers, legal and other professionaladvisers, your agents, your travel group leader if you travelin a group, your bank (NAB) if you are the beneficiaryof the bank’s credit card insurances, insurance referencebureaux, and our related and group companies includingAllianz. Some of these third parties may be located in othercountries including in Europe, Asia, Canada, or the USA.When you provide personal information to us about otherindividuals, we rely on you to have first obtained theindividual’s consent, and to have made them aware of thematters set out in this Privacy Notice.You may also seek access to your personal data and ask usto correct and update it. We will delete your personal datawhen we no longer need it for a legitimate purpose.You may not access or correct personal information ofothers unless you have been authorised by their expressconsent, or unless they are your dependants under 16years of age.If you have a request or complaint concerning yourpersonal information or about data privacy, please contact:The Privacy Officer, Allianz Global Assistance, PO Box 162,Toowong, QLD 4066, or email DataPrivacyAU@allianzassistance.com.au.You can also contact the Privacy Commissioner at theOffice of The Australian Information Commissioner, GPOBox 218, Sydney, NSW 2601 if you have a complaint.89
DefinitionsHeadings have been included for ease of reference butdo not form part of the terms and conditions of the coveravailable.The following key words have particular meaning in thisbooklet and the group policy and are highlighted in boldfont. The use of defined words in the singular includes theplural and vice versa.accident/accidental/accidentally means a sudden,unforeseen and unintended event.accountholder means an NAB customer, being anindividual, business entity or company, who has enteredinto a card account with NAB and in whose name thecard account was opened. The accountholder is theindividual, business entity or company that has contractualobligations with NAB under the card account.Allianz means Allianz Australia Insurance Limited,ABN 15 000 122 850, AFSL234708.Allianz Global Assistance means AWP Australia Pty Ltd,ABN 52 097 227 177, AFSL245631.card means a current and valid:– NAB Low Fee Platinum Credit Card; or– NAB Premium Credit Card; or– NAB Velocity Rewards Premium Credit Card; or– NAB Qantas Rewards Signature Credit Card; or– NAB Qantas Rewards Premium Credit Card; or– NAB Rewards Signature Credit Card; or– NAB Rewards Platinum Credit Card; or– NAB flybuys Rewards Credit Card; or– NAB Low Rate Platinum Credit Card; or– NAB Qantas Plus Credit Card; or– NAB Visa Gold Debit Card; orcardholder means a person who resides in Australia(including holders of a visa issued under the MigrationAct 1958 (Cth) which entitles the holder of the visa toresidency) to whom NAB has issued a NAB card (thisincludes primary and additional cardholders).chronic means a persistent and lasting condition. It mayhave a pattern of relapse and remission.covered breakdown means the failure of a coveredproduct to operate for the purpose for which it wasdesigned, as a direct result of a breakdown or defect.This does not include where the breakdown or defect iscovered by the terms of the manufacturer’s warranty.covered item means an item acquired for personal,domestic or household use but excludes: items acquired for the purpose of sale or trade; animals or plant life; boats, automobiles, motorboats, motorcycles, airplanesor any other motorised vehicles and their integral partsand installed accessories; computer software and other non-tangible items; cash, bullion, negotiable instruments, vouchers,gift cards, securities, trading cards, tickets of anydescription, travellers cheques or collections such asstamps, coins and cards; consumable or perishable items (including but notlimited to food, drink, drugs, cosmetics, fuel or oil); manuscripts and books of account; second-hand items including works of art and antiques; items of contraband; real estate and movable fixtures or fittings (includingbut not limited to dishwashers, stoves, ovens and fixedair conditioners) which are or are intended to form partof any residence or real estate.– NAB Platinum Visa Debit Card.card account means: a current and valid NAB card facility provided by NAB towhich purchases made by cardholders on a NAB cardare charged; orcovered product means a new domestic appliance productpurchased in Australia that has a manufacturer’s warrantyof at least six (6) months and of no more than five (5)years. the primary account linked to a NAB card to which atransaction is routed by any electronic funds transferfacility.1011
dependant means your child, step child, foster child, grandchild or ward not in full-time employment who is: aged twenty four (24) years or under at the time that theperiod of cover available for their journey commences; or is your child who is physically or mentally incapableof self support at the time they attain the age ofeighteen(18) years, for as long as the child remainsincapable of self support and unmarried.epidemic means an infectious disease that rapidlyspreads to a large number of people in a community,population or region.excess means the deduction we will make from theamount otherwise payable for each claimable incident orevent.financial default means insolvency, bankruptcy,provisional liquidation, financial collapse, appointment ofreceivers, or any other form of insolvency administrationor the happening of anything of a similar nature underthe laws of any jurisdiction.kidnap/kidnapped means being illegally abducted andforcibly held hostage for the purpose of demandingransom payment.loss of as used with reference to a hand or a foot meansseverance through or above the wrist or ankle joint.manufacturer’s warranty means the manufacturer’swritten warranty, properly registered with themanufacturer, that is applicable and able to be fulfilledwithin Australia.medical adviser means a doctor, a clinical psychologistor a dentist, who is not you, your travel companion or arelative or an employee of you, your travel companionor a relative, holding the necessary certification for thecountry in which they are currently practicing and qualifiedto give the diagnosis being provided.funeral expenses means the costs charged by a funeraldirector for arranging a funeral service and by a cemeteryfor a burial or a crematorium for a cremation. It does notinclude the cost of memorialisation or any other costs.medical expenses means reasonable expenses incurred for:hijack/hijacked means the illegal capture by force ofany building, aircraft, motor vehicle, train or waterbornevessel. ambulance or hospital charges; orhome means the place where you normally live inAustralia. emergency dental charges up to the limit specified inPart C - Benefit Limits - Section 1.3 Overseas EmergencyDental Expenses due to sudden & acute pain (toothache).This does not include dental treatment for deterioration,decay or normal wear and tear to teeth; orhospital means an established hospital registered underany legislation that applies to it, that provides in-patientmedical care. It does not include any institution usedprimarily as a nursing or convalescent home or a place forthe treatment of alcoholism, drug addiction or substanceaddiction.injure or injured or injury means bodily injury causedsolely and directly by accidental, visible and externalmeans, which happens at a definite time and place duringyour period of cover and does not result from any illness,sickness or disease.interstate flight means travel on a registered andscheduled commercial passenger airline from anyAustralian state or territory to another Australian stateor territory.12journey means travel which
related to insurance coverage are made, NAB will let you know by alerting you on your card statement or by electronic notification including email, SMS or other electronic communications. Details of the change/s will be published on www.nab.com.au. The group policy insurer is: Allianz Australia Insurance Limited ABN 15 000 122 850, AFSL 234708 of
NAB EFTPOS Mobile Terminal Guide – Version 0.7 3 TABLE OF CONTENTS Getting to know your NAB EFTPOS terminal 6 Contactless – Tap & Go 8 Understanding your NAB EFTPOS Mobile terminal Integrated with your POS 9 Understanding your NAB EFTPOS Mobile terminal 10 NAB EFTPOS Mobile Multi-Merchant Terminals 11 N
Commercial Card purpose Requested credit limit Annual sales turnover NAB Rewards Business Signature Card NAB Qantas Business Signature Card NAB Low Rate Business Card NAB Business Card Email Address The first mentioned email address may be used to provide your credit card contract and other impo
NAB ANNUAL SOCIAL BOND REPORT Page 2 1. INTRODUCTION 1.1 Purpose National Australia Bank Limited ABN 12 004 044 937 (NAB), is pleased to present its third NAB Annual Social Bond Report (Report), for the financial year ended 30 andSeptember 2019. This Report relates to our NAB Social Bonds outstanding as
3 Includes a Visa scheme fee charged to NAB and on charged to you. This fee is a percentage of the converted AUD amount shown on your statement. 4 Includes a Visa scheme fee charged to NAB and on charged to you. 5 This fee will not apply to purchases made using a NAB Platinum Visa Debit card. Transaction verification
the Corporations Act 2001 (Cth) and Australian Accounting Standards, are set out in NAB’s 2019 Annual Financial Report. Full detail on how cash earnings is defined, a discussion of non-cash earnings items and a full reconciliation of statutory net profit attributable to owners of NAB is set out in Note 2 of NAB’s 2019 Annual Financial Report.
NAB ANNUAL GREEN BOND REPORT Page 1 INTRODUCTION National Australia Bank Limited ABN 12 004 044 937 (‘NAB’), is pleased to present its Annual Green Bond Report (‘Report’), for the financial year ended 30 September 2019. This report relates to our Green Bond Portfolio (four NAB Green Bonds1 and our
The issuer of NAB Equity Builder is National Australia Bank Limited (ABN 12 004 044 9 7) (NAB). NAB is a financial services organisation providing products, advice and services through our major Au
Quality level according to API 6A - PSL 1, 2 or 3. 1. In the trunnion mounted design configuration, the ball is supported by bearing, held in position by the valve closures. This configuration allows to discharge any side loads on the valve body, enabling a smoother operation of the ball, minimizing the operating torque and reducing seat seal wear. 2. Anti-Blow Out stem design. 3. Standard .
