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I too have both Platinum and BAPP cards. I have held both for many years and was offered the BAPP card FOC when it launched (a Platinum cardholder benefit at the time). It seems this benefit has been maintained but doesn’t apply to cardholders who signed up for the BAPP card after a certain date.
With regard to the insurance side of things, my understanding has always been (and I have checked this with Amex many times) that it doesn’t matter which personal Amex card one pays with; I have also been assured that if the ‘retailer’ doesn’t accept Amex then the insurance is still valid. There are some customer service advisors at AXA who are not aware of this and if there is any doubt ask to speak to a supervisor!