Customer Commercial Information and Conditions of Insurance for Viseca Card Services SA payment cards

Commercial Clients – valid as of 1 January 2022

Choose your product:

Insurance coverage Maximum insured sums in CHF per event and person Geographical coverage Card payment
Travel accident insurance300'000.-worldwide50%
Trip interruption insurance5'000.-worldwide50%
Medical travel assistance
(Return travel and repatriation)
unlimitedworldwide-
Medical travel assistance
(Medical treatment costs abroad1 If the insured does not have any health or accident insurance, EUROP ASSISTANCE will reimburse a maximum of 50% of the hospital or outpatient treatment costs incurred as a result of illness or accident, up to a maximum of CHF 50,000.00.)
250'000.-worldwide2

With the exception of the country in which the insured person is habitually resident.

-
Medical travel assistance
(Follow-up costs for treatment in the place of residence)
50'000.-Place of residence-
Medical travel assistance
(Search and rescue costs)
60'000.-worldwide-
Luggage insurance2'500.-worldwide50%
24-hour assistance includedworldwide-

1 If the insured does not have any health or accident insurance, EUROP ASSISTANCE will reimburse a maximum of 50% of the hospital or outpatient treatment costs incurred as a result of illness or accident, up to a maximum of CHF 50,000.00.
2 With the exception of the country in which the insured person is habitually resident.

Table of contents

Customer information in accordance with the Insurance Contracts Act (ICA)

  • 1.Parties

    • 1.1.Insurer

      The insurance provider for trip interruption insurance, medical travel assistance, luggage insurance, trip cancellation insurance, the collision damage excess waiver on hired vehicles and the corporate liability waiver is Europ Assistance (Switzerland) Insurance Ltd, whose registered office is at Avenue Perdtemps 23, 1260 Nyon, Switzerland.

      The insurance provider for travel accident insurance and fully comprehensive hired vehicle insurance (LDW) is Generali General Insurance Ltd, whose registered office is at Avenue Perdtemps 23, 1260 Nyon, Switzerland.

    • 1.2.Policyholder

      Viseca Payment Services SA, whose registered office is at Hagenholzstrasse 56, P.O. Box 7007, 8050 Zurich.

      The policyholder may delegate tasks to third parties in accordance with the Conditions of Insurance.

    • 1.3.Card Issuer

      Viseca Card Services SA with its registered office at Hagenholzstrasse 56, P.O. Box 7007, 8050 Zurich.

  • 2.Premium

    The policyholder shall bear the insurance premium.

  • 3.Type of insurance

    Travel accident insurance is a lump sum insurance. All other forms of insurance coverage are indemnity insurance policies.

  • 4.Processing of personal data

    Upon conclusion of a card contract, only the policyholder receives the customer data of the insured person (cardholder) from the card issuer. However, in the event of a claim reported by the insured, both the policyholder and the card issuer are entitled to process the customer data necessary for performance of the contract and processing of the claims (in particular: personal details as well as the type and duration of the card contract), including all documents submitted by the beneficiary or insured person, and to disclose or forward them to the insurer, insurance broker or claim service provider. This is done exclusively in the context of a reported claim for the purpose of verifying the insurance claims asserted by the beneficiary or insured person.

    The card issuer, the policyholder, the insurer and insurance broker process data arising from the contract documents or the performance of the contract and use them, in particular, for determining the premium, for risk assessment, for processing claims and for statistical analyses. The card issuer, the policyholder, the insurer and insurance brokers are authorised to obtain and process such data as is necessary immediately for the processing of the contract and of claims from involved third parties. Those involved in this process, including the card issuer, are also deemed authorised in connection with the performance of the contract and the processing of claims, to obtain relevant information from such third parties and to inspect official files. If necessary, the data shall be passed on to the extent necessary to involved third parties, in particular other involved insurers, authorities, lawyers and external experts. Data may also be disclosed for the purpose of detecting or preventing insurance fraud.

    The parties involved undertake to treat the information received in this manner as confidential. The data is stored physically and/or electronically by the aforementioned parties.

    Communications sent by the insured persons to the card issuer are received and forwarded by the card issuer in the name of and on behalf of the policyholder.

     

Conditions of Insurance

Insurers Europ Assistance (Schweiz) Versicherungen AG, whose registered office is at Avenue Perdtemps 23, 1260 Nyon, Switzerland and GENERALI Allgemeine Versicherungen AG, whose registered office is at Avenue Perdtemps 23, 1260 Nyon, Switzerland, are hereinafter referred to as the “Insurer”. The Insurer shall provide the card issuer with the agreed services pursuant to the collective insurance policy with Viseca Payment Services SA, hereinafter referred to as the “Policyholder”. These services are defined in these Conditions of Insurance and the provisions of the Federal Insurance Contract Act (ICA). An overview of the services and cards is set out in the Table of Benefits.

I. Introduction and definitions

  • 1. Introduction

    The Conditions of Insurance are organised as follows:

    Table of Benefits and Overview of Insurance Coverage

    Customer information in accordance with the Insurance Contracts Act (ICA)

    I. Introduction and definitions

    II. Common provisions for all insurance coverage

    III. Special provisions for individual insurance coverage

    IV. Procedures and obligations in the event of a claim

    The definitions explain important terms which are set out in italics in the following Conditions of Insurance for easier identification.

    The Table of Benefits and Overview of Insurance Coverage exhaustively list the insured sums applicable per card type in the event of a claim as well as the geographical coverage, any card use requirements for purchase and the travel duration, by way of addition to the common and special provisions.

    The common provisions apply wherever the special provisions do not provide otherwise. In the event of contradictions, the special provisions shall apply.

    The overview of procedures and obligations in the event of a claim shows how to proceed in the event of a claim and which obligations must be complied with. In the event of contradictions, the overview takes precedence over the common and special provisions.

    For the sake of legibility, male and female dual forms are dispensed with.

    In the event of linguistic differences between the French, Italian, English and German Conditions of Insurance, the German version shall always take precedence in case of doubt.

    2. Definitions

    Trip:

    A business trip is a temporary work-related absence from the place of residence or work of up to 120 calendar days, excluding the commute to work. This includes a maximum of 14 days off or holiday leave, immediately at the beginning, during or before the end of the business trip.

    Insured company:

    The term “insured company” refers to the party who has concluded a basic contract (corporate master agreement) with the card issuer to acquire corporate or business cards.

    Insured person:

    The insurance covers up to five persons (card holders, employees and non-employees) on a business trip for which at least 50% in total has been paid by one or more card(s).

    Switzerland:

    The entire territory of Switzerland, including the territory of the Principality of Liechtenstein.

    Abroad:

    Is any country other than Switzerland and the Principality of Liechtenstein.

    Related persons:

    Spouse, life partner including their parents and children, child (including adoptive and foster child), father, mother, brother, sister, parents-in-law, son/daughter-in-law, grandparents and grandchildren of the insured person.

    Accident:

    An accident is the sudden, unintended harmful impact on the human body of an unusual external factor, which results in an impairment of physical, mental or psychological health or death.

    Serious illness/serious consequences of an accident:

    A serious illness or serious consequences of an accident are deemed to exist if admission to a hospital (at least one overnight stay) is necessary, if a doctor prescribes a prescription in Switzerland as part of the treatment, if the doctor certifies incapacity for work for at least five working days or provides written confirmation of an inability to travel.

    Public transport or means of transport:

    Public transport or means of transport are those means of transport which operate regularly on the basis of a timetable and for which a ticket must be purchased. Private and business jets for which a booking confirmation is in place are covered. Taxis and rental cars shall not be regarded as public transport.

    Personal effects:

    Personal belongings carried by the insured persons.

    Cards:

    All insured payment cards (including additional cards) issued by the card issuer according to the Table of Benefits and Overview of Insurance Coverage.

    Travel costs:

    are the total costs of the services booked for transport and accommodation of the insured person, including the costs of chargeable business events (e.g. seminars, conferences, courses and further education) as well as leisure activities booked during the trip (e.g. concerts, events, sporting events, excursions, ski passes, wellness treatments [Treatments ordered by doctors are excluded herefrom]) including administration and handling fees.

    Place of residence:

    The location where the insured person primarily resides and which is considered their main place of residence.

    Country of residence:

    Country in which the insured person is mainly resident and which is considered his/her primary domicile.

II. Common provisions for all insurance coverage

The “Common provisions for all types of insurance coverage” shall only apply insofar as the “Special provisions for individual types of insurance coverage” do not provide otherwise.

  • 1. Start and end of insurance coverage

    The insurance coverage shall apply from the date the card is issued by the card issuer and the cardholder takes possession of it, but no earlier than 1 April 2022. Insurance coverage ends upon termination of the card contract (termination by the card issuer, the insured company or the cardholder) or upon expiry of the card or exclusion from or termination of the collective insurance contract between the policyholder and the insurer.

  • 2. Territorial scope

    The insurance is valid worldwide, including Switzerland, unless another scope of application is specified under “Special provisions for individual types of insurance cover (III)”.

  • 3. Amendments to the Conditions of Insurance

    These Conditions of Insurance and the insured amounts may be amended at any time. Amendments will be notified to the principal cardholder in good time and in appropriate form. They are deemed to have been approved by the principal cardholder unless the card contract has been cancelled before the amendment takes effect.

    No obligation to inform the principal cardholder shall exist in respect of amendments to the Conditions of Insurance that do not have a negative impact on the insured benefits.

  • 4. Limitations of coverage

    In addition to the limitations and exclusions listed in the “Special provisions for individual types of insurance coverage”, as a basic principle no insurance coverage is provided:

    For the following events and their consequences:

    • events that had already occurred when booking the trip, or events whose occurrence was obvious to the insured person at the time of booking the trip.
    • measures and costs not ordered or approved by the insurer.
    • events related to involvement in dangerous actions, the risks of which are precisely known.

    For the following losses:

    • losses caused by grossly negligent or wilful acts or omissions;
    • losses caused by the abuse of alcohol, drugs or pharmaceuticals;
    • losses arising as a result of participation in races, rallies or similar competitions or training sessions with motor vehicles, motor sleds or motorboats. In the case of travel accident insurance, insurance coverage applies for losses incurred as a result of participation in races, rallies or similar betting or training journeys with motor vehicles, motor sleds or motorboats. This insurance coverage excludes professional sports teams;
    • losses which arise through events in connection with a completed or attempted wilful criminal act.

  • 5. Obligations in the event of a claim

    • The beneficiary or insured person (insured company, cardholder, employee or non-employee) is obliged to comply in full with their contractual or statutory duties of reporting, information or conduct (including, without limitation, the immediate notification of the card issuer in respect of the insured event).
    • The beneficiary or insured person is obliged to do everything that can help to mitigate the loss and investigate it.

    If the beneficiary or insured person fails to comply with the obligations to be complied with where an insured event occurs, benefits may be reduced or denied; unless it is shown that the insured person was in breach of  their obligations through no fault of their own or that the breach did not affect the loss or the insurer’s rights and obligations.

    • If the loss has arisen as a result of illness or injury, the beneficiary or the insured person must ensure that the attending doctors are released from their duty of confidentiality vis-à-vis the insurer.
    • If the beneficiary or insured person can also assert claims against third parties for benefits provided by the insurer, he must preserve these claims and assign them to the insurer.
    • The beneficiary or insured person must do everything in his power to limit the amount of the damage and contribute to investigating its cause (e.g. by authorising third parties to pass on to the insurer such documents, information and other documents as are necessary to investigate the damage).
    • If an advance on costs has been paid, it must be repaid within 30 days.

  • 6. Prerequisites to insurance coverage

    The insurance coverage applies only to business trips. In order for the insured person to be entitled to insurance benefits upon the occurrence of the insured event, in addition to the duties specified in Sections II 5 and IV, the insured person must be able to provide the following cumulative evidence at the time of the insured event:

    • proof that at least 50% of the trip or rental was paid for with one or more valid credit card(s) of the card issuer (transaction receipt or monthly bill of the credit card account). Travel or rental means the amount invoiced or claimed, including taking into account any processing or card fees. The requirement shall also be deemed to be met if, at the time of booking the service, an advance payment was not possible due to a condition specified by the provider (e.g. if the card or the insurance confirmation only had to be provided by way of security). This requirement does not apply to Medical Travel Assistance or the Corporate Liability Waiver.
    • proof of a valid card contract between the insured company and the card issuer (card account number).
    • upon request, proof of the business nature of the trip.

    The necessary documents must be provided to the card issuer or the policyholder within a reasonable time.

  • 7. Limitation period

    Claims under the insurance contract become time-barred five years after the occurrence of the event giving rise to the obligation to pay benefits.

  • 8. Subsidiarity clause

    This insurance coverage shall be subsidiary to any other compulsory or optional insurance policies and shall be limited to that portion of the insurance benefits which exceeds or is not covered by the other insurance contract. Costs will only be reimbursed once in total. If the insurer has nonetheless paid benefits for the same loss, they shall be deemed to be an advance and the insured assigns to the insurer any claims it may assert against third parties (mandatory or optional insurance). The subsidiarity clause does not apply to travel accident insurance.

  • 9. Due date for payment of indemnity

    Indemnity payments shall fall due four weeks after the insurer has received the documents necessary to determine the amount of the damage and its obligation to pay. Four weeks after receipt of the notice of loss, payment at least of such indemnity as is payable and acknowledged may be requested as a payment on account. The insurer’s obligation to pay benefits is deemed deferred as long as the indemnity cannot be determined or paid due to the fault of the beneficiary or insured person. In particular, the indemnity payment shall not be due for as long as

    • there are doubts as to the entitlement of the beneficiary to receive payment;
    • the beneficiary or insured person is the subject of police or criminal investigation proceedings for the loss, as long as they have not yet been concluded.

  • 10. Jurisdiction and applicable law

    This Agreement shall be governed by Swiss law. Claims against the insurer may be brought before the court at the Swiss place of residence of the insured person or at the registered office of the insurer.

  • 11. Supplementary legal bases

    In addition to these provisions, the provisions of the Federal Insurance Contracts Act (ICA) shall apply.

  • 12. Provisions on international sanctions

    The insurer shall not provide coverage and shall not be obliged to pay any losses or provide any other benefit under this Agreement if the granting of such coverage, the payment of any losses or the performance of any other benefit under this Agreement would result in the insurer being subject to sanctions, prohibitions or restrictions under United Nations resolutions or trade or economic sanctions, laws or regulations of the European Union, the United States of America and/or or the Swiss Confederation.

    For more information please refer to www.europ-assistance.ch or call +41 22 939 22 11

III. Special provisions for individual insurance coverage

    Travel accident insurance

    • 1.Description of coverage

      Insurance cover exists for the insured person in the event of death or disability following an accident during a trip.

    • 2.Insured events

      • occupational accidents, non-occupational accidents and bodily injury similar to accidents occurring during a trip;
      • Accidents occurring in self-defence situations and in rescue measures while on a trip;
      • Accidents occurring as a result of fainting, dizziness or cramps or attacks on a trip or caused by impaired consciousness;
      • accidental drowning during a trip.

      The maximum benefit per event (maximum liability) amounts to CHF 15 million, even if several insured companies are affected by the event. The agreed amount shall be paid out for each beneficiary or insured person no more than once for the same accident, even if the beneficiary or insured person holds more than one card or multiple insurance confirmations.

    • 3.Insured benefits

      • 3.1.Death

        If an insured person dies as a result of an insured event, the insurer shall pay the agreed insured amount in accordance with the Table of Benefits and Overview of Insurance Coverage.

        The persons specified below are beneficiaries of the insured lump-sum death benefit. Each group is only entitled to benefits if the previous group is eliminated:

        • surviving spouse or registered partner; in the absence of such spouse or partner, an unmarried or registered and unrelated natural person (including same-sex) who cohabited with the deceased in the same household without interruption for the five years prior to the death of the insured person;
        • children and natural persons for whose maintenance the deceased was significantly responsible;
        • father and mother;
        • brothers and sisters and, if no such exist, their children;
        • grandparents.

        Within each group, the allocation is made equally.

        The insured person is free to amend the provisions mentioned above in relation to the beneficiaries. If the insured person wishes to receive a different benefit, an application dated and signed by the insured shall be required by letter to GENERALI via EUROP ASSISTANCE Avenue Perdtemps 23, P.O. Box 3200, 1260 Nyon. If none of the beneficiaries listed are available, only the funeral costs of up to 10% of the insured amount shall be reimbursed.

        The insurer shall double the share for children under the age of majority if:

        • the event causes children under the age of majority to become orphans if at least one parent was insured;
        • the event renders children of a single parent orphans who have not yet reached the age of majority.

        Disability benefits already derived from the contract and paid in respect of the consequences of the same accident shall be deducted from the death benefits.

      • 3.2.Disability

        If an insured person suffers disability as a result of an insured event, the insurer shall pay him a lump sum on disability, determined by the degree of disability and the agreed insured amount. The amount of the lump sum on disability shall be determined according to the degree of disability specified. It is irrelevant whether or not the accident results in loss of earnings.

        The degree of disability is determined in accordance with the relevant provisions of the AIA (Accident Insurance Act) and the associated Ordinance on the Determination of compensation for loss of bodily functions indemnity for damage to integrity. The degree of disability must be determined in Switzerland. Disability compensation shall be paid as soon as the extent of the permanent disability can be determined.

    • 4.Restrictions

      In addition to Section II 4, the following are not insured:

      Accidents that occur:

      • as a result of acts of war in Switzerland;
      • as a result of acts of war abroad, except if the accident occurs in the country in which the insured person is resident within two weeks of the start of such events and the insured person was taken unawares by the outbreak of such events;
      • in the event of participation in brawls and fights, unless the insured person has been injured by those fighting as an innocent bystander or while assisting a defenceless person;
      • in the event of direct participation in unrest, terrorist acts and gang-related crimes;
      • when performing service in an army or participating in acts of war;
      • as a result of felonies or misdemeanours committed with wrongful intent by the insured person;
      • due to the effects of ionising radiation of any kind. However, bodily injuries as a result of radiotherapy prescribed by a doctor following an insured accident are insured;
      • as a result of the intentional injection or consumption of medication, drugs or chemicals for non-medical purposes, even if such acts were carried out in a state of lack of comprehension;
      • in the event of suicide, self-mutilation or an attempt to do so.

    Trip interruption insurance

    Please note: If an event of loss occurs, the Insurer must be contacted immediately at +41 22 939 22 11 and its consent obtained for any measures taken and to the assumption of their costs.

    • 1.Description of coverage

      The travel costs of the insured person are insured if they are affected by one of the insured events and the trip has to be shortened, extended or discontinued as a result.

    • 2.Insured events

      The following events are insured where a trip is interrupted, discontinued or extended:

      • Accident, serious consequences of an accident, serious illness or death of the insured person.
      • Accident, serious consequences of an accident, serious illness or death at the workplace of a person close to the insured person or of his or her representative at the workplace.
      • Loss of the insured person’s job through no fault of his own after the trip was booked.
      • Serious impairment of the insured persons property at his place of residence as a result of theft, damage caused by water, fire or natural forces, such that the insured person’s return journey is essential.
      • Serious complications of pregnancy suffered by the insured person, his spouse or life partner or of a person with whom the insured person is travelling, provided such persons are referenced in the travel confirmation.
      • Unforeseen events on the planned itinerary, such as events of war, breach of neutrality, revolution, rebellion, uprising, internal unrest (violence against persons or property in the event of unlawful assembly, riot or civil unrest) and the measures taken to counter this, quarantine or epidemics, natural events (e.g. volcanic events, earthquakes, underwater seismic events [Tsunamis]) or changes in the nuclear structure if these pose a specific risk to the insured person’s life or if travel is expressly advised against by an official body (FDFA) as a result of these events.
      • If an insured person abroad is surprised by one of these events, coverage is provided for any losses occurring 14 days after the first occurrence of the event in question.
      • Missed travel to, from a destination or to and from the insured person‘s point of origination: The insured person misses his means of transport to or from a destination or to or from the insured person‘s point of origination through no fault of his own as a result of
        • unforeseen cancellation or restriction of scheduled public transport (including private and business jets) due to inclement weather, strikes or labour disputes, machinery failure or accident, or
        • unforeseen breakdown or accident of a car or taxi. Breakdowns associated with car keys or running out of fuel are not covered.
      • If personal documents of the insured persons which are essential for the continuation of the trip are stolen and the theft is reported to the competent police authority.
      • If a business appointment, conference or other event which is the main reason for the trip needs to be interrupted or cancelled.

    • 3.Insured benefits

      The following travel costs shall be covered up to the maximum agreed insured amount:

      • Travel costs for the unused part of the trip;
      • Additional costs for return trip and accommodation.

      The indemnity shall be calculated based on the total travel costs less services used. For the reimbursement of the remaining costs, the unused travel days shall be compared to the total travel days.

      If the insured person has to interrupt the trip due to an insured event, the insurer will assume the additional costs incurred for the secondment of another employee to fulfil the purpose of the trip as an alternative to the cancellation costs.

    • 4.Restrictions

      In addition to section II 4, the following is not insured:

      • 4.1.Poor healing

        If an illness or the consequences of an accident, an operation or a medical intervention already existed at the time of booking the trip and have not healed by the date of travel or the insured person is under medical treatment.

      • 4.2.Cancellation by the organiser

        If the travel company, the organiser, the landlord, etc. is objectively unable to continue to provide the contractual services, is required to cancel the trip or is required to cancel the trip in the specific circumstances, or if he is required by law to cover the costs of the return journey. This does not apply to cancellations that are due to an insured event as per Section III Trip Cancellation Insurance 2: interruption, discontinuation or extension, or if the events are of a business nature.

    Medical travel assistance

    Please note: If an event of loss occurs, the Insurer must be contacted immediately at +41 22 939 22 11 and its consent obtained for any measures taken and to the assumption of their costs.

    • 1.Description of coverage

      The organisation and cost of repatriation, as well as medical treatment in the event of medical emergencies of the insured person during their trip abroad, are covered. In addition, the follow-up costs for treatment in the country of residence are covered as well as search and rescue costs if the insured person is deemed missing during a trip or needs to be rescued from a physical emergency.

    • 2.Territorial scope

      The insurance applies to travel throughout the world, with the exception of the country in which the insured person is habitually resident. The consequential costs of treatment are covered in the insured persons country of residence.

    • 3.Insured events

      The insurer guarantees insurance coverage during the trip in the event of accident, serious illness or death of the insured person in addition to the benefits included in the trip interruption insurance.

    • 4.Insured benefits

      The following costs will be covered, up to the maximum agreed insured amount in each case:

      • 4.1.Return journey and repatriation

        4.1.1 Return journey / repatriation of the insured person

        If an insured person falls seriously ill or suffers an accident during a trip, the insurer shall organise and pay the following benefits provided they are medically necessary:

        • return journey of the insured person to his or her place of residence without medical accompaniment.
        • return transport of the insured person, under medical supervision, to a suitable hospital close to his place of residence by rail (1st class, sleeping car or seat), by regular (scheduled) flight, by ambulance vehicle or ambulance aircraft. The insurer reserves the right to arrange for initial transport to a hospital close to the place of loss suitable for the necessary treatment.

        In order to determine the appropriate course of action in a medical emergency and to ascertain the insured person’s ability to travel, the time of return transport, the type of means of transport to be used and any choice of hospital, the insurer’s medical service shall contact the local doctor and, if applicable, other treating doctors. Decisions taken by the insurer will be based solely on the well-being of the insured person and compliance with the applicable regulations of the health authorities.

        4.1.2     Presence of a closely related person during hospitalisation

        If an insured person is admitted to a hospital on site as a result of illness or accident during the trip and the insurer’s doctors approve transport no earlier than eight days after admission, the insurer will organise and cover travel costs for the return journey (round trip) of a person selected by the insured person to assist him or her.

        Such travel shall be by train in 1st class or by regular (scheduled) economy class flight from the insured person’s country of residence.

        The insurer shall also cover the costs in an appropriate amount for hotel accommodation (room with breakfast) for a maximum of ten nights, up to a maximum of CHF 2 500.00 per incident. Catering costs (meals and drinks) and telephone charges will not be assumed. This benefit cannot be cumulated with the benefit “return journey of an accompanying person”.

        4.1.3     Return trip of an accompanying person

        The insurer shall organise and cover the return journey of a person accompanying the insured person. As a rule, such return trip of the accompanying person is undertaken together with the insured person. Based on the decision by the insurer’s medical service, the accompanying person may also travel back by a different route or on a different date from the insured person. As a rule, such travel is by rail in first class or by scheduled flight in economy class.

        4.1.4     Return in the event of death

        If the insured person dies during the trip, the insurer shall organise and cover the transport of the deceased person to the place indicated for burial in his country of residence. The insurer shall also cover all costs necessary for the preparatory work and the special transport arrangements.

      • 4.2.Medical treatment costs abroad

        The insurer guarantees this insurance coverage up to the maximum insured amount pursuant to the Table of Benefits and Overview Of Insurance Coverage, in the event of accident or serious illness that unexpectedly occur during the trip abroad, where these make emergency intervention indispensable and such intervention has been ordered by a doctor and confirmed by a medical certificate or medical report.

        The insurer shall provide these benefits as a subsidiary insurance to the statutory social insurance schemes in the country of residence of the insured person (Health Insurance in accordance with Swiss Federal Health Care Insurance Act, Accident Insurance in accordance with Swiss Federal Accident Insurance Act, competent health insurance fund, etc.) and other supplementary insurance schemes, to the extent that these do not fully cover the costs of an emergency hospital stay and outpatient emergency treatment.

        If the insured person does not have health or accident insurance, the insurer will reimburse a maximum of 50% of the hospital or outpatient treatment costs, provided that these have been incurred as a result of illness or accident, up to a maximum of CHF 50 000.

        The following costs are covered:

        • doctors’ fees;
        • costs of medications and transportation prescribed by a doctor;
        • emergency dental treatment;
        • costs of hospitalisation ordered by the doctors of the insurer in agreement with the doctor on site if the insured person has been found to be unfit to travel. The assumption of hospital costs ends as soon as the insured person’s state of health permits his or her return transport and the insurer is able to carry it out.
      • 4.3.Consequential costs for treatment in the country of residence

        The insurer shall bear the costs of illness in the country of residence of the insured person that arise as a result of a serious illness or accident that occurred abroad while on a trip and for which the insurer has become involved in respect of the insured person’s medical care. The insurance cover is valid for a period of 365 days from the date of the accident or diagnosis of the illness, up to a maximum of CHF 50 000.

      • 4.4.Search and rescue costs

        The insurer shall cover the costs of search, rescue and recovery up to the maximum insured amount pursuant to the Table of Benefits and Overview of Insurance Coverage if an insured person is deemed to be missing during the trip or needs to be rescued from a physical emergency. Reimbursement shall only be possible in respect of costs invoiced by a company officially approved for such operations.

    • 5.Restrictions

      In addition to Section II 4: The following are not insured:

      • costs for visual aids (e.g. glasses or contact lenses), medical aids and prostheses (especially dentures);
      • organising and covering the transport provided for in Section III Medical Travel Assistance 4.1.1 in the event of minor illnesses that can be treated on site and that do not hinder the insured person’s onward journey or stay;
      • costs of thermal spa treatments, accommodation in an old-age home for rehabilitation measures, gymnastics, chiropractic, massage and wellness treatments and cosmetic surgery;
      • costs of the purchase of vaccines and costs of vaccination;
      • the costs of a check-up of the insured person’s state of health and of medical follow-up examinations;
      • costs incurred in connection with the diagnosis or treatment of a pregnancy known prior to travel (except for unforeseeable complications), and in any event for pregnancies as from the 28th week of pregnancy;
      • costs in connection with medical or paramedical services and costs for the purchase of products the therapeutic use of which is not recognised in Switzerland;
      • all benefits relating to artificial insemination or voluntary abortion;
      • costs relating to the deductible/franchise fees of the health insurance or any other pension scheme;
      • costs for meals, telephone calls, lost working hours and other financial losses.

    • 6.Cost advances and undertakings to pay costs

      If the insured person becomes ill or injured during a trip and is then admitted to hospital, the insurer may make an advance on hospital costs of CHF 5 000 per insured person and event. The amount advanced must be repaid to the insurer within 30 days of returning to the country of residence. If necessary, the insurer will issue an undertaking to pay costs.

    • 7.Claims against third parties

      The insured person undertakes to assign to the insurer all rights he may assert against third parties up to the amount of the benefits provided.

    • 8.Assignment and set-off

      Claims for payment of insurance benefits may only be assigned by the insured prior to their final determination with the prior written consent of the insurer. The insurer is entitled to demand the return of benefits wrongfully paid out.

    Luggage insurance

    • 1. Description of coverage

      The cost of essential purchases made by the insured person if their luggage arrives late during a trip are covered. In addition, the luggage of the insured person (including the belongings carried by the insured person) is covered against theft, loss and damage during a trip.

    • 2.Insured events

      • 2.1.Delay

        The delayed arrival of the insured person’s luggage at the destination (excluding their place of residence) by at least four hours is covered. The luggage must have been transported using public transport or a public means of transport.

      • 2.2.Theft, loss or damage

        Damage to luggage, including personal belongings carried by the insured person, are covered where these are the result of the following events:

        • damage or destruction;
        • loss;
        • robbery (theft with the threat or use of violence against the insured person);
        • theft.
    • 3.Insured benefits

      • 3.1.Delay

        The costs for essential purchases are covered up to the maximum agreed insured amount.

      • 3.2.Theft, loss or damage

        The costs of the repair / the replacement value (at a maximum) will be paid, i.e. the amount required to procure or manufacture new items at the time of the event of loss. The residual value shall be deducted from the indemnity amount. Any possible collector’s value will not be taken into account. The indemnity shall not exceed the agreed insured amount.

        The compensation for electronic devices shall be limited to a maximum of CHF 2 500 per insured event.

        The following costs (prevention costs) are also covered insofar as they result from an insured event:

        • costs incurred in averting imminent harm.
        • mitigation expenses.
    • 4.Restrictions

      In addition to Section II 4, the following is not covered:

      • 4.1.Delay:
        • necessary purchases made by the insured person after delivery of the luggage by the public transport company;
        • late arrival of luggage upon the insured person ’s return to their place of residence;
        • purchases made by the insured person after delivery of the luggage by the public transport company;
        • delays due to confiscation of the insured person ’s luggage by the authorities (customs, police);
        • delays and costs resulting from excess luggage when travelling by air;
        • costs of transporting the luggage if it could have been transported together with the insured person.
      • 4.2.In the event of theft, loss or damage
        • leaving items left behind or storing items, even for a brief period, in a location accessible to the general public outside the direct personal control of the insured person;
        • valuable items and accessories, if they are not worn or used, which are not stored in a locked room that is not accessible to the public under a separate lock and key (suitcase, cupboard, safe). The type of safekeeping must in all events be commensurate with the value of the chattel;
        • consequential losses resulting from road traffic offences, breaches of customs regulations, confiscation, seizure or retention by a government or other state authority;
        • damage resulting from chipped enamel or paint, scratches, scrapes and scuff marks or dents of any kind;
        • impacts of temperature and weather, wear and tear or the natural characteristics of the goods;
        • damage arising from the fact that the belongings have been forgotten, left unattended or misplaced;
        • losses incurred as a result of the insured person’s failure to comply with basic precautionary rules;
        • theft from a private or rental vehicle.

        Non-insured items

        • motor vehicles and trailers, motorised bicycles, caravans, mobile homes as well as aircraft and projectiles of all kinds (including parachutes and gliders and model aircraft), including accessories in each case;
        • watches, jewellery and furs;
        • cash, travel tickets, subscriptions, credit cards, securities, savings books, gemstones and precious metals;
        • smartphones, provided the insured person does not carry them as personal effects on his person.

      24-hour assistance

      The following services shall be provided at the request of the insured person. These are services provided by the insurer and are not insurance benefits. Any costs resulting from these services shall be borne by the insured person.

      • 1.Travel hotline (emergency call centre)

        The insurer shall provide the insured person at the latter’s request with the following information prior to the start of the trip:

        • the required vaccinations and travel documents;
        • contact details of one or more doctors and dentists, hospitals and clinics near their location;
        • referrals for contact with interpreters;
        • psychological support by telephone;
        • notification of the insured person’s relatives in an emergency or during hospitalisation;
        • entry and customs formalities;
        • currencies and valid exchange rates;
        • current political situation;
        • infectious diseases, epidemics or animal diseases.

      • 2.Advance for bond under criminal law

        If an insured person is confronted with a lawsuit during a trip, the insurer will provide a bond under criminal law up to a maximum of CHF 10 000. The insured person or, if this is not possible, the contracting company undertakes to repay the advance to the insurer within three months of the date of the advance payment or as soon as the bond is repaid by the authorities if the repayment takes place prior to this period.

      • 3.Advance for attorney’s fees

        If legal action is taken against an insured person during a trip that requires the use of the services of a lawyer, the insurer shall advance the money for the costs up to a maximum of CHF 10 000. The insured person or, if this is not possible, the contracting company undertakes to repay the advance to the insurer within three months of the date of the advance payment or as soon as the bond is repaid by the authorities if the repayment takes place prior to this period.

      • 4.Cash advance

        In the event of loss of travel documents, identity papers, cheques, credit cards or travel tickets, the insurer shall pay an advance payment in cash for the costs of purchasing urgently needed items up to a maximum of CHF 1 000.00 per insured person.

      • 5.Home Assistance

        In the event of an emergency or dangerous situation (break-in, lack of care for a pet, unlocked doors, fire or water damage) at the place of residence of the insured person during a trip, the insured person may contact the insurer to resolve the emergency situation (Home Assistance).

      • 6.Assistance in the event of unforeseen travel changes

        In the event of an unforeseen event, such as strikes, kidnappings, accidents, illness or medical emergencies, for which the insured person does not have any other insurance coverage, the insurer will change all flight bookings and hotel(s) at the insured person’s request and according to the insured person’s instructions.

    IV. Procedures and obligations in the event of a claim

    1. For emergency services provided by medical travel assistance and travel interruption insurance, you must contact the insurer immediately so that the next course of action can be determined jointly and the necessary assistance can be provided. The emergency call centre is at your disposal day and night, including on Sundays and public holidays (telephone +41 22 939 22 11).
    2. In all other cases, please send the necessary claim documents to travel@europ-assistance.ch or contact the insurer by telephone at +41 22 939 22 11.
    3. With the trip cancellation insurance, you have the option of registering the claim electronically: https://viseca-ch.eclaims.europ-assistance.com
    Insurance coverage Duties as to conduct in the event of a claim Specifically relevant documents

    Travel accident insurance

    • Inform the insurer immediately in writing

    Trip cancellation insurance

    • Booking confirmation
    • Cancellation confirmation
    • medical certificate etc.

    Trip interruption insurance

    • Contact the insurer immediately by telephone
    • Booking confirmation
    • Cancellation/rebooking confirmation
    • medical certificate etc.

    Medical travel assistance

    • Contact the insurer immediately by telephone
    • Submit costs to accident or health insurance as a preliminary matter
    • Booking confirmation
    • Invoice for the costs of treatment
    • Health/accident insurance statements with regard to cost contribution

    Luggage insurance

    Delayed luggage insurance:

    • Notification of damage to the transport company

    Baggage theft:

    • Report to the police
    • Provision of found items to the insurer/return of indemnity received (less reduced value) to the insurer

    Delay in luggage/damage:

    • Booking confirmation
    • Report of damage by the airline
    • Purchase receipts / repair invoice

    Baggage theft:

    • Booking confirmation
    • Police report
    • Purchase receipt

    Car hire insurance

    • Inform the insurer in writing or by telephone
    • Report theft to the police
    • Booking confirmation
    • Claims report car hire company
    • In the event of theft: Police report

    Corporate Liability Waiver

    • Contact insurer by phone

    24-hour assistance

    • In the case of advances on costs or cash advances: police report, loss report, medical report (with diagnosis), notice or statement of claim or court documents

    We will be happy to answer any questions about insurance benefits. Please contact our Service Center for this purpose.

    Telephone +41 22 939 22 11