Travel insurance on subscription

What is covered

Cancellation costs

You are unable to start your booked trip or have to cancel it because of illness, an accident or flooding. Or you are dependent on emergency assistance during your holidays.

Example:

You fall ill with severe pneumonia while travelling and have to go to hospital. You’re unable to continue your journey.

SOS assistance

You need to call an ambulance during your holiday because of an emergency.

Example:

You’ve had an accident on a scooter while on holiday and need to be taken to hospital by ambulance.

Volcanoes and natural disasters

A natural disaster or volcanic eruption makes it impossible for you to continue your journey.

Example:

You wanted to travel to Egypt, but a volcano erupts in Italy before your departure and your flight is cancelled.

What is not covered

Cancellation costs

Pre-existing or foreseeable events at the time the insurance was taken out.

Example:

You want to drive to the airport in your car, but you break down on the way and miss your flight. The breakdown occurred because you failed to maintain your vehicle properly.

SOS assistance

Events that were foreseeable before departure or were caused by inadequate vehicle maintenance.

Example:

You were already receiving medical treatment when you took out the insurance and your trip extension is a consequence of this.

Volcanoes and natural disasters

Events that had already taken place before you took out the insurance or booked your trip.

Example:

A location has been affected by flooding, but you book a trip there anyway.

How we help you

Cancellation costs

In the event of a claim, the insurance will cover the cancellation costs up to the insured amount.
If an insured person is unable to start their trip, the insurance will cover the costs of rebooking or cancellation.
If a person has to interrupt their trip due to an insured event, the insurance will cover the additional costs of the unscheduled return journey.

SOS assistance

In the event of a claim, the insurance will cover search and rescue costs, transport to the nearest hospital, the costs for a temporary return and the additional costs of an unscheduled return or repatriation in the event of death.

Volcanoes and natural disasters

The insurance will cover your losses if you have to cancel your trip or are unable to start it due to a natural disaster. The maximum sum insured is CHF 2,000.–.

What is covered

Your luggage does not arrive, is damaged or is stolen.

Example:

You fly off on holiday but your luggage arrives a day late, which means you have to buy essential items at your holiday destination.

What is not covered

The insurance will not pay out if any of the following applies: you have acted with gross negligence; the damage occurred as a result of wear and tear; you failed to pack the items in accordance with their value; you did not contact the police within 24 hours.

Example:

You are carrying your Rolex watch in your suitcase and it is stolen.

How we help you

In the case of write-off or definitive lost, the insurance will cover the current value of the insured items up to the insured amount or, in the event of damage, will pay the costs of repair.

What is covered

You need medical assistance while travelling abroad.

Example:

You’ve contracted malaria and need to go to hospital. Medical and hospital costs in excess of the maximum insured share of your health insurance are covered.

What is not covered

You already had symptoms when you took out the insurance. Or you have a check-up while travelling.

Example:

You were already having symptoms of an illness when you took out the travel insurance shortly before your holiday, as a result of which you have to consult a doctor during your holiday abroad.

How we help you

In the event of a claim, the insurance will pay up to CHF 100,000 for medical and hospital costs. This is after the cover provided by health insurance, accident insurance and supplementary insurance has been honoured.