Coronavirus - what is insured?


Coronavirus – We're here to help.

In these challenging times, we want to support you as best as we can – true to the promise: «We are there for you when it counts.» 

Our agencies have reopened with stricter hygiene precautions. In the event of a loss, you can contact us conveniently online or at 0800 80 80 80.

Woman holding a cell phone

The Corona chatbot

“My co-worker has come down with Corona – what now?” The chatbot provides quick answers to Corona-related questions. You can still call us, however, if you require more detailed information.

Relax Assistance travel insurance

General travel

The situation regarding coronavirus is constantly evolving and depending on the rates of new infections in the individual countries, it can change very rapidly. 
For information on the current situation at your destination, please refer to the FDFA and FOPH websites.

As a matter of principle, the insurance cover is governed by factors such as travel warnings of the FDFA and of the FOPH as well as official measures (e.g. travel restrictions and quarantine measures imposed by the country of destination).

Since October 28, 2020, the Federal Council's recommendation that all non-essential travel abroad be avoided if possible has again applied to all states. On December 18, 2020, it also issued this recommendation for domestic travel.

If you booked your trip abroad before October 28, 2020, or your domestic trip before December 18, 2020, you will enjoy insurance coverage provided no travel warnings have been issued by the FOPH/FDFA and there were no entry restrictions for your destination at the time of booking. 

However, if the trip was booked after these cut-off dates or in a period for which a travel warning or entry restriction applies, insurance coverage in connection with official measures will unfortunately no longer apply. 

However, medical incidents are still covered, including COVID-19. If you have tested positive for COVID-19 but do not have any symptoms, we will also provide you with insurance coverage as a gesture of goodwill.

If you are planning a trip and the travel warning is lifted between the time you book and the time you leave, you will still be covered even if a new official measure prevents you from travelling.

Package tours

In the case of trips booked via a tour operator, the respective tour operator is responsible. If a tour operator cancels the trip, under the Package Tour Act, customers have the option of either receiving a refund of the amounts paid or selecting a different package tour offered by the tour operator (Art. 11 para. 1 in conjunction with Art. 10 para. 3 of the Package Tours Act).

If a voucher is accepted instead of a repayment of the travel arrangement, no obligation to pay indemnity arises on the part of the insurance if the voucher expires. If the trip is rebooked for a later date, the FDFA/FOPH instructions applicable at that time shall apply for the benefit assessment.

Customized tours

If a tour operator cancels or should have canceled a tour, the operator is obligated to reimburse the cost of the tour. Many hotels, airlines and travel portals offer no-fee booking changes and/or refunds. The first step is to contact your travel operator.

If you are charged cancellation fees after all, please report this. To report a loss, go here to file a claim online.

Wedding Insurance

Epidemics, pandemics and related official measures are not covered by the wedding insurance. We kindly ask you to contact your organizer if you have any further questions and thank you for your understanding.