Insurance

This information is current as at the date of this communication and may change. This information may include general advice but does not take into account your objectives, financial situation or needs, and so you should consider the appropriateness of the advice having regard to your circumstances before acting on it. You should, before making a decision about acquiring or continuing to hold these products, read the relevant Product Disclosure Statement (PDS) and other important disclosure documents available online. If necessary, you should obtain professional advice from a financial, tax, medical or health professional.

General Insurance

Home Insurance and Car Insurance are provided and issued by Hollard Insurance Partners Limited ABN 96 067 524 216, AFSL 235030 (Hollard) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). Hollard is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of Hollard or the products Hollard offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a Home Insurance and/or Car Insurance policy, CBA is paid a commission which is a percentage of your premium.

For products issued by Hollard, information about the target market can be found within the product’s Target Market Determination.

¹ If you purchase combined Residential Building and Contents Cover, a discount of up to 15% will be applied to your basic premium. If you purchase combined Investment Building and Contents Cover, a discount of up to 10% will be applied to your basic premium. This discount cannot be used in conjunction with any other discount (other than those listed in the relevant Product Disclosure Statement or any Supplementary Product Disclosure Statement) or in conjunction with any other promotional offer, unless advised in the promotional offer that this discount will apply. This discount may be removed or changed effective from the renewal date. This discount cannot be backdated. Minimum premiums may come into force and reduce the extent to which discounts are applied. No discounts apply to Portable Contents Cover when taken as a standalone policy.

² If you qualify as an Eligible Customer, you can benefit from a $50 once-off cashback when you purchase online a Comprehensive Car Insurance policy issued by Hollard and distributed by CBA during the Offer Period and hold the policy for at least three (3) months. Eligibility criteria applies, subject to the applicable policy terms and conditions, including limits, exclusions and waiting periods. CBA reserves the right to withdraw, vary or extend this offer at any time, without notice. For the full terms of this offer, visit https://www.commbank.com.au/insurance/car-insurance.

Health insurance

^* AIA Health Insurance Pty Ltd (ABN 32 611 323 034) (AIA Health) makes this premium cashback offer to Eligible Customers holding an Eligible Policy (Offer), on the following terms and conditions. You will be an Eligible Customer where: As at 1 June 2025 you do not hold and are not insured under, nor have you in the 2 months prior to 1 June 2025 held or been insured under, a private health insurance policy issued by AIA Health. 1.2 You must purchase a policy issued by AIA Health that commences between 1 June 2025 and 31 July 2025 (Eligible Policy). The Premium Cashback offer exclude AIA Health Extras Only products, AIA Health Silver Plus Family Hospital and Gold Hospital products (either standalone or within a combined product), AIA Health Overseas Workers Base Cover, and AIA Health Overseas Workers Standard Cover, and is not available in conjunction with any other promotional join offer issued by AIA Health or any other AIA Australia Limited staff promotional offer or discount.

Premium cashback is subject to meeting qualifying periods. Combined Hospital and Extras (including FlexiExtras) is subject to Qualifying period 1,  2, 3 for a total premium cashback value of 10 weeks. Hospital Only cover is subject to Qualifying period 1 for a total premium cashback value of 4 weeks.

Qualifying Period 1: For Eligible Policies effective between 1 June 2025 and 30 June 2025, once you have held and paid for your Eligible Policy for a continuous period up to 1 September 2025 you will be reimbursed the equivalent of 4 weeks of premiums as a cashback to your nominated bank account within 15 business days after the end of the Qualifying Period. For Eligible Policies effective between 1 July 2025 and 31 July 2025, once you have held and paid for your Eligible Policy for a continuous period up to 6 October 2025 you will be reimbursed the equivalent of 4 weeks of premiums as a cashback to your nominated bank account within 15 business days after the end of the Qualifying Period. For Eligible Policies effective between 1 June 2025 and 30 June 2025, once you have held and paid for your Eligible Policy for a continuous period up to 6 July 2026 and you have AIA Vitality Silver Status or above at the time of fulfillment you will be reimbursed equivalent of 3 weeks of premiums as a cashback to your nominated bank account within 15 business days after the end of the Qualifying Period. ii) For Eligible Policies effective between 1 July 2025 and 31 July 2025, once you have held and paid for your Eligible Policy for a continuous period up to 3 August 2026 and you have AIA Vitality Silver Status or above at the time of fulfillment you will be reimbursed the equivalent of 3 weeks of premiums as a cashback to your nominated bank account within 15 business days after the end of the Qualifying Period.  (c) Qualifying Period 3 i) For Eligible Policies effective between 1 June 2025 and 30 June 2025, once you have held and paid for your Eligible Policy for a continuous period up to 5 July 2027 and you have AIA Vitality Silver Status or above at the time of fulfillment you will be reimbursed the equivalent of 3 weeks of premiums as a cashback to your nominated bank account within 15 business days after the end of the Qualifying Period. ii) For Eligible Policies effective between 1 July 2025 and 31 July 2025, once you have held and paid for your Eligible Policy for a continuous period up to 2 August 2027 and you have AIA Vitality Silver Status or above at the time of fulfillment you will be reimbursed the equivalent of 3 weeks of premiums as a cashback to your nominated bank account within 15 business days after the end of the Qualifying Period.

Hospital Only Policies  You will be entitled to receive a maximum of 4 weeks premium cashback in Year 1 of your Eligible Policy. This Offer will be promoted to Eligible Customers as a 4 weeks premium cashback after meeting criteria for the Qualifying Period. The premium refund amount you will be entitled to receive under this offer will be determined by the Eligible Policy type held by you at the end of each applicable Qualifying Period.  Only one (1) Eligible Customer per Eligible Policy is entitled to this offer. Qualifying Period i) For Eligible Policies effective between 1 June 2025 and 30 June 2025 once you have held and paid for your Eligible Policy for a continuous period up to 1 September 2025 you will be reimbursed the equivalent of 4 weeks of premiums as a cash back to your nominated bank account within 15 business days after the end of the Qualifying Period. ii) For Eligible Policies effective between 1 July 2025 and 31 July 2025, once you have held and paid for your Eligible Policy for a continuous period up to 6 October 2025 you will be reimbursed the equivalent of 4 weeks of premiums as a cash back to your nominated bank account within 15 business days after the end of the Qualifying Period. Premium cashback amounts are payable by direct deposit only. Your provision of correct direct credit banking details is a requirement of AIA Health’s fulfilment of this offer. If you do not provide correct direct credit details to AIA Health, AIA Health will apply this offer as a ‘credit amount’ entitlement on your Eligible Policy, and AIA Health will no longer be subject to, and is relieved from, any obligation to pay you a cash reimbursement under this offer. Your Eligible Policy must not be in arrears, terminated or suspended within any applicable Qualifying Period.

View the eligibility criteria, qualifying periods, terms and conditions.

Premium cashback eligibility is determined by AIA Health and CBA is reliant on the information provided to us by them whether you qualify. For eligibility enquiries, contact AIA Health Insurance on 1800 943 010, 8am-6pm Monday to Friday (Sydney/Melbourne time).

The health insurance products described on this website are issued by AIA Health Insurance Pty Ltd (ABN 32 611 323 034) (AIA Health) and are distributed by AIA Financial Services Limited (ABN 68 008 540 252) (AIA Financial Services), a wholly owned subsidiary of AIA Australia Limited (ABN 79 004 837 861) (AIA Australia).

Commonwealth Bank of Australia (ABN 48 123 123 124) (CBA) has been authorised by AIA Financial Services to promote health insurance products issued by AIA Health to its customers, for which CBA receives a commission. AIA Health, AIA Financial Services and AIA Australia are not part of the CBA Group and CBA does not guarantee and is not responsible for the performance of the health insurance products issue by AIA Health or the obligations of AIA Health, AIA Financial Services or AIA Australia. For more information about the products and services CBA provides, you should read CBA’s Financial Services Guide and Privacy Policy.

Life insurance

Life Insurance provided by AIA Australia and Income Protection provided by AIA Australia, as described on this website, are provided and issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia) and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). AIA Australia is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia or the products it offers and these insurance products do not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a Life Insurance provided by AIA Australia and/or Income Protection provided by AIA Australia, CBA is paid a commission which is a percentage of your premium.

Income protection

³ Accident and sickness both have specific meanings set out in the Income Protection provided by AIA Product Disclosure Statement (PDS).

AIA Australia has prepared a Target Market Determination which describes the class of consumers that comprise the target market for this product. The Target Market Determination can be sourced at www.aia.com.au/tmds.

Pet Insurance

Pet Insurance is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by the Commonwealth Bank of Australia ABN 48 123 123 124, AFSL 234945 (CBA). PetSure is not part of the CBA Group. CBA and its related entities do not sell, issue or guarantee the obligations or performance of PetSure or the products PetSure offers and this insurance product does not represent a deposit with or liability of either CBA or any of its related bodies corporate. If you purchase a pet insurance policy, CBA is paid a commission. PetSure has prepared a Target Market Determination (TMD) which describes the class of consumers that comprise the target market for this product. The TMD is available at https://www.commbank.com.au/insurance/brochures-forms.

^Offer commences 1 July 2025 and ends on 30 June 2026 at 11.59pm AEST (Offer Period).

Offer provides new customers with one month free in their first policy year only when they purchase a Pet Insurance policy distributed by the Commonwealth Bank of Australia (CBA) during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first month of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the second month of your policy. For annual payments, the month free will be deducted from your first policy year premium at the time of purchase.

To redeem the Offer by phone, eligible customers must use the promo code CBA1MONTH at the time of purchasing the Pet Insurance policy distributed by CBA. Offer is automatically applied to online quotes at the time of purchasing the Pet Insurance policy. Customers can remove this Offer at the time of purchase.

Offer will cease if you change your level of cover.

Offer cannot be used in conjunction with any other offer.

Eligibility criteria applies for Pet Insurance distributed by CBA, subject to the applicable Pet Insurance policy terms and conditions, including limits, exclusions and waiting periods (see Product Disclosure Statement).

CBA reserves the right to withdraw, vary or extend this offer at any time, without notice.

Travel insurance

Travel Insurance is provided by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145 AFSL 241713 (Cover-More) for CBA.

~ For eligible credit cards, you will need spend at least $500 in a single transaction on your prepaid travel costs (e.g. the cost of your return overseas travel ticket, prepaid accommodation, cruise, travel or tour) by charging the cost for that trip on your eligible card account before leaving Australia and activate to receive any cover, including Overseas Medical cover. You will also qualify if the $500 worth of prepaid travel costs is redeemed using CommBank Awards points. You will need to provide a copy of the letter/statement/email confirming the redemption.

Before making a decision on CBA Travel Insurance please read the CBA Travel Insurance Combined Product Disclosure Statement and Financial Services Guide for more information.

Before activating the international travel insurance included in your CommBank credit card please read the Credit Card Insurances Product Disclosure Statement and Information Booklet for more information.

If you have activated international travel insurance included in your CommBank credit card on or before 6 February 2024, please refer to the Credit Card Insurances Product Disclosure Statement and Information Booklet – effective 2 June 2023.

Before activating the international travel insurance included in your World Debit Mastercard, please read the World Debit Mastercard insurances Product Disclosure Statement and Information Booklet (PDF) for more information.