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Shopper’s Protection Insurance

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How does it work?

If:

  • you had been working at the time of your disablement for at least six consecutive months, and
  • you are continuously disabled for at least 30 days and unable to work,

we'll pay to your account a monthly benefit of 10% of the balance owing (at least $30 and up to $1,000 per month) on the statement immediately before the date of the accident, illness or injury causing disability, until you return to work.

We calculate benefits on a daily basis, that is, 1/30th for each day of disability for which you can claim. For example, if after a 30 day qualifying period you are disabled for a further 15 days, we'd pay 45 days.

Continuous and regular employment for salary or wages, including self-employment, a partner in a partnership, full-time, part-time, contract or seasonal worker, or if you are contracted for a specified season, period or task.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation.

Continuous and regular employment for salary or wages, including self-employment, a partner in a partnership, full-time, part-time, contract or seasonal worker, or if you are contracted for a specified season, period or task.

Your 28 Degrees Platinum Mastercard account with Latitude Finance Australia (LFA) ABN 42 008 583 588 Australian Credit Licence number 392145.

For the Disability and Involuntary Unemployment benefits, the closing balance on your account, less any overdue amounts, on the statement immediately before the date of the accident, illness or injury causing disability or the date you were made involuntarily unemployed.

For the Life benefit, the outstanding balance on your account at the date of your death, excluding any overdue amounts, fees and other charges imposed on any overdue amounts.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation.

Continuous and regular employment for salary or wages, including self-employment, a partner in a partnership, full-time, part-time, contract or seasonal worker, or if you are contracted for a specified season, period or task.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation.

In our reasonable assessment, due to medically diagnosed sickness or injury, you are unable to perform the normal duties of your usual occupation.


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Download the full 28 Degrees Mastercard Shopper’s Protection PDS