We cover items that are purchased by you during the Period of Insurance, using Atome BNPL Card and items that are for personal use.
Additionally, the items are subjected to a minimum purchase price amount as stated on the Policy Schedule/ Confirmation of Cover and meet the following criteria:
- New and has not been used when purchased;
- Not counterfeit or fake goods;
- Not perishable goods;
- Not stocks, shares, bonds, currencies or digital assets;
- Not items confiscated or declared illegal by any government, customs or public body;
- Not animals, livestock or living plants;
- Not cash or its equivalent, including traveller’s cheques;
- Not classified as real estate;
- Not motor vehicles, motorcycles/scooters, watercraft or aircraft and any equipment and/or parts necessary for their operation;
- Not subscription-based where a monthly fee is paid for services such as but not limited to Netflix, Spotify, YouTube, learning services, cleaning services, and the like;
- Not event tickets (concerts, musical, sporting events or travel tickets).
We do not cover Electronic Devices and Disposable Goods specifically for the Purchase Protection benefit.