We pay the costs for travel arrangements booked and paid for before you departed: up to CHF 20,000 per person and CHF 80,000 for all persons living in the same household.
Yes, for insurance policies concluded following the issue of the latest version of the GCI in June 2019 (all new contracts and product changes after August 10, 2019) this is included in the cover.
You can also take out travel insurance after you have booked your trip and are insured if the insured event has not begun before the conclusion of the contract.
No, unless
- an insured person's contract of employment is terminated unexpectedly by the employer (culpable termination is not insured);
- an insured person, who is registered with the regional employment office (RAV) as unemployed after booking a travel arrangements becomes unable to commence travel due to new unforeseen needs to comply with commitments and obligations set forth by the RAV office, or in cases where the insured person accepts a new contract of employment and as direct consequence is unable to commence the previously booked travel;
The insurance covers private luggage or baggage up to the sum insured specified within the policy. It includes all objects, which the insured person has carried with them for personal use throughout the journey or have been handed over to a transportation company for transport to the travel destination.
Insured events and costs: Damage costs to luggage through sudden, unforeseen losses, damage and destruction. Parachutes, paragliders, hang gliders and kite surfing equipment are only insured against theft and loss.
Luggage late delivery: Costs for absolutely essential replacement items (max. 30 percent of the shipping costs for luggage)
Yes, whereby the prerequisite is that no warning has been issued before travel by the FDFA or FOPH.
Yes, insofar as this pertains toattendance of one-time events like concerts or theater performances (courses excluded) with a ticket price per person of CHF 100 or more (even without a booked travel arrangement).
An insured person is considered seriously ill when such is stated in a doctor's certificate, which must be available for inspection in all cases.
Yes, repatriation in the event of serious illness or accident on the part of the insured person to their fixed residence in Switzerland or the Principality of Liechtenstein and/or the respective local hospital is covered.
Furthermore, the costs for the burial and transportation of the body of the insured to their residence in Switzerland or the Principality of Liechtenstein are likewise covered.
No, this is an annual policy, which as a rule is priced more favorably than if you were to take out insurance for each trip individually. Plus: the insurance coverage of our annual insurance policy naturally applies to weekend excursions too.
Yes, for acts of God (sudden natural disasters including floods, inundation, storms [= winds in excess of 75 km/h], hail, avalanches, snow pressure, landslides, rock fall or earthquakes) as with other natural disasters.
The insurance applies to occurrences of loss within Switzerland and the Principality of Liechtenstein, European countries as well as countries bordering the Mediterranean and the island states of the Mediterranean. For transport across the sea the insurance coverage will continue uninterrupted, providing the point of departure and destination are within the region of validity.
However, the insurance does not apply in the following countries: Belarus, Moldavia, the Ukraine, the Russian Federation, Georgia, Armenia, Azerbaijan Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria.
Occurrences of loss or damage pertaining to rental vehicles are not covered.
We recommend that you include the supplementary insurance “deductible for rental vehicles” in travel insurance (assistance). This insures the deductible that must be paid due to damage to the rental vehicle or theft. Any liability deductible is not insured. If you have insured this component, you can often do without a deductible reduction at the vehicle rental company.