Interesting... I just had a look again at the new PDS, and I thought it was pretty clear?
Page 4, big yellow boxes, left hand side
https://www.commbank.com.au/content...s/credit-card-insurances-pds-info-booklet.pdf
"Step one ... it’s included — Overseas Medical"
"It’s automatically included with your card."
"Step two ... activate cover — Overseas Travel Policy"
"There is no cost or spend requirement to get the full benefits of this cover you activate"
@stm1sydney, did you see anywhere else where it was ambiguous? I'd be keen to clarify with CBA, because if there was a spend requirement, the card is even worse value than it already was!
Yes, the PDS does not state that you must hold a return overseas travel ticket, but it does refer to that term in relevant sections.
Page 7, it says overseas medical cover applies for an overseas "journey".
Page 27, journey is defined as:
journey means the following:
The journey starts when you leave your home or your place of
business to travel directly to the Australian air or sea terminal
that is the departure point for your journey.
The journey ends when the first of the following occurs:
• For Overseas Medical, three months after the date
of departure shown on a Gold personal and business
cardholder’s
return overseas travel ticket, (six months for
Platinum personal and business cardholders, or 12 months
for Diamond cardholders)
• For an Overseas Travel Policy or any Upgrades, the end
date of the period of cover shown on the Certificate of
Insurance
• At midnight on the date when the cardholder’s scheduled
transport (as shown on their
return overseas travel ticket) is
due to arrive in Australia
• When you return to your home, provided you travel
directly there from the Australian air or sea terminal where
you landed
• When the cardholder cancels their
return overseas travel
ticket