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

Private cards – valid as of 1 January 2022

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Insurance coverage Maximum insured sums in CHF per event Geographical coverage Card payment Maximum travel duration
Price protection insurance1'000.-Switzerland60%-

Table of contents

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

  • 1.Parties

    • 1.1.Insurer

      The bearer of risk and provider of all insurance cover with the exception of online legal protection is Allianz Assistance, registered under AWP P&C S.A., Saint-Ouen (Paris), Wallisellen branch (Switzerland), based at Richtiplatz 1, CH-8304 Wallisellen.

      The bearer of risk and provider for online legal protection is Dextra Rechtsschutz AG, based at Hohlstrasse 556, CH-8048 Zurich.

    • 1.2.Policyholder

      Viseca Payment Services SA with its registered office 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

    Transport accident insurance (Section III Transport accident insurance) is a fixed-sum insurance policy. All other forms of insurance coverage are indemnity insurance policies.

  • 4.Processing of personal data

    Upon conclusion of a credit card contract, Viseca Payment Services SA, as the policyholder, shall receive the customer data of the insured (cardholder) from the card issuer. The policyholder shall process the customer data in accordance with the contract. Both the policyholder and the card issuer are entitled to forward the data required to review and process the cardholder’s registered claims for damages to the insurer, insurance broker or loss adjuster as part of a claim report. This affects received and collected personal data (including third-party data) and documents submitted by the injured parties.

    The insurer and the insurance brokers and loss adjusters commissioned by the policyholder are authorised to

    • obtain and process the data necessary for processing the policy and claims from involved third parties and inspect official files;
    • pass on personal data to the extent necessary to involved insurers, authorities, lawyers and external experts, if necessary;
    • provide information for the purpose of detecting and preventing insurance fraud;
    • process the data collected to determine premiums, clarify risks and perform statistical analyses.

    The parties involved are obliged to treat personal data in confidence.

  • 5.Delegation

    Insurance-related notifications and legal documents sent by cardholders to the card issuer shall be accepted by the card issuer on behalf of the policyholder and forwarded to the latter. The card issuer may also send insurance-related notifications to the cardholder and conduct legal transactions in the name and on behalf of the policyholder.

  • 6.Insurance coverage

    The insurance coverage shall, in principle, apply as long as the card relationship is effective. Special provisions on the duration of the insured risks can be found in the special provisions for individual insurance coverage.

  • 7.Changes to the scope of coverage and/or Conditions of Insurance

    The policyholder may amend the Conditions of Insurance (including sums insured) in accordance with the provisions set out in Section II 2.

Conditions of Insurance

The insurer Allianz Assistance is registered under AWP P&C S.A., Saint-Ouen (Paris), Wallisellen Branch (Switzerland) and is 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 insured cards is provided 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 Contract 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 shall apply where 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 are to be observed. In the event of contradictions, it shall take precedence over the common and special provisions.

    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

    Abroad:

    any country other than Switzerland and the Principality of Liechtenstein.

    Natural hazards:

    damage caused by natural disasters such as high tide, floods, storms (winds of at least 75 km/h), hail, avalanches, snow pressure, rockfalls or landslides. Damage caused by earthquakes or volcanic eruptions shall not be regarded as natural hazards.

    Epidemic:

    a contagious disease recognised as such by the World Health Organization (WHO) or an official governmental authority in the country of residence or travel of the insured person.

    Cards:

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

    Collision:

    damage caused by a sudden and violent external event that makes it impossible to continue a journey, or which makes continuation of the journey illegal. This includes, in particular, damage caused by impacts, collisions, overturning, crashing, subsidence and immersion.

    Related persons:

    • spouse or partner (on the basis of marriage, registered partnership or civil partnership);
    • fellow residents;
    • parents and step-parents;
    • children, step-children, foster children, adoptive children or children for whom an adoption procedure is currently pending;
    • siblings;
    • carers of minors or relatives in need of care;
    • legal guardians and persons under guardianship;
    • very close friends or relatives with whom there is extensive contact.

    Natural disaster:

    extremely serious natural event that directly causes the death of a significant number of people or devastating material damage to the local infrastructure at the location affected by the event.

    Public transport or means of transport:

    a means of transport running regularly on the basis of a timetable and subject to a fee. Taxis, rental cars and cruise ships shall not be regarded as public transport or means of transport.

    Pandemic:

    an epidemic recognised as a pandemic by the World Health Organization (WHO) or an official governmental authority in the country of residence or travel of the insured person.

    Breakdown:

    any unforeseen failure of a vehicle caused by a mechanical, electrical or electronic defect that makes it impossible to continue a journey, or which makes continuation of the journey illegal. The following are deemed equivalent to a breakdown: tyre defects, fuel shortage, use of the wrong type of fuel, vehicle key locked inside the vehicle, loss of or damage to the vehicle key, flat battery.

    Quarantine:

    mandatory restriction on freedom (including imposed isolation) by order or other official directive of a government or public authority owing to the suspicion that the insured person or an accompanying person was exposed to an infectious disease. The aim is to prevent the spread of the infectious disease. Quarantine, which applies generally to part or all of a population or a geographical area, or which applies based on the location to, from or through where the person concerned is travelling, is not covered.

    Trip:

    a trip begins when the insured person leaves their place of residence, involves at least one overnight stay away from the place of residence, must comprise an outward and return journey and ends when they return to their place of residence. The insurance coverage shall only apply to private trips. The maximum duration of the trip may be limited depending on the insurance coverage. See Table of Benefits and Overview of Insurance Coverage.

    Travel costs:

    travel costs are the total cost of services booked for the insured person’s transport and accommodation and the cost of activities booked during the trip.

    Serious illness/accident:

    an illness or accident resulting in a temporary or permanent incapacity to work or an inability to travel.

    Accident:

    the sudden, unintentional harmful impact of an unusual external factor on the human body resulting in impairment of one’s physical, mental or psychological health or death.

    Vandalism:

    the wilful or malicious breaking-off of an antenna, rear-view mirror, windscreen wiper or ornamentation; slashing of tyres; pouring of harmful substances into the fuel or oil tank; slashing of the convertible top; painting and spraying with paint or other substances; slashing of seats. This list is exhaustive.

    Insured persons:

    • the cardholder (primary, second, additional and partner cards);
    • their spouse or partner or registered partner (with the same residential address and same place of residence);
    • and children of the cardholder or spouse/partner up to the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

    Place of residence:

    place where the insured person mainly resides and which is considered their main place of residence.

II. Common provisions for all insurance coverage

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

  • 1. Start and end of insurance coverage test corporate

    The insurance coverage shall be valid from the date on which the card is issued by the card issuer and from the date on which the cardholder takes possession thereof. The insurance coverage shall end

    • at the end of the card agreement between the card issuer and the cardholder;
    • with the exclusion from the collective insurance policy declared by the Policyholder;
    • at the end of the collective insurance policy between the Policyholder and the Insurer.

  • 2. Amendments to the Conditions of Insurance

    These Conditions of Insurance and the insured sums may be changed at any time. Changes shall be reported to the principal cardholder in good time and in an appropriate form. They are deemed to have been approved by them 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.

  • 3. Insurance coverage restrictions

    Apart from the restrictions and exclusions listed in the “Special provisions for individual insurance coverage”, in principle, no insurance coverage shall be granted:

    • 3.1. For the following activities:
      • in the event of the abuse of alcohol, drugs or medicines;
      • in the event of suicide or attempted suicide;
      • in the event of participation in strikes or unrest;
      • in the event of participation in races or training sessions with motor vehicles or boats;
      • in the event of participation in reckless acts whereby the person knowingly exposes themselves to danger;
      • in the event of deliberate or grossly negligent actions/ omissions;
      • in the event of the commission or attempted commission of crimes or offences;
      • for activities related to an insured event, e.g. the cost of replacing the insured items or for police purposes.
    • 3.2. For events and their consequences:
      • that had already occurred at the time of booking or purchasing the benefit to be insured or joining the insurance policy. In the case of pre-existing accidents and general, chronic or recurring illnesses, only unforeseen, acute deteriorations shall be covered;
      • whose occurrence was obvious to the insured person at the time of booking or purchasing the benefit to be insured or joining the insurance policy;
      • for which the expert (specialist, doctor, etc.) directly benefits or is related to the insured person, including by marriage;
      • in connection with war, terrorist attacks, unrest of any kind, kidnappings, natural disasters (unless expressly defined as insured in the special provisions) as well as incidents involving atomic, biological or chemical substances;
      • in connection with epidemics and pandemics, unless expressly defined as insured in the special provisions;
      • due to official orders, e.g. airport/airspace closures, road closures, police measures, decrees, etc.;
      • in connection with economic, trade or financial sanctions or embargoes of Switzerland that are directly applicable to the contracting parties and contradict the insurance coverage. This shall also apply to economic, trade or financial sanctions or embargoes imposed by the United Nations, the European Union or the United States of America, provided they do not contradict Swiss legislation.

      The Insurer shall not generally be liable for failure to settle benefits due to force majeure and cannot under any circumstances replace the official local emergency services such as the police and fire brigade. In the event of a delayed claim report, the Insurer shall accept no liability for benefits that could not be provided in due time.

  • 4. Multiple insurance

    The costs shall only be reimbursed once in total. In the case of multiple insurance, the Insurer shall provide its benefits on a subsidiary basis. If the Insurer has nonetheless provided benefits for the same claim, these shall be regarded as an advance and the insured person shall assign their claims vis-à-vis third parties (liable party, voluntary or mandatory insurance) to the Insurer to the extent of said benefits. If another insurer also only provides subsidiary coverage, the Insurer shall contribute to the costs on a pro rata basis to the ratio of its insured sum to the total amount of the insured sums.

  • 5. Obligations in the event of a claim

    The insured person shall be obliged to

    • observe their contractual or statutory reporting, notification or conduct-related obligations in full;
    • do everything they can to help mitigate and clarify the loss;
    • ensure that the attending physicians are released from their duty of confidentiality vis-à-vis the Insurer in the event of illness or accident.

    If the insured person is also able to claim benefits paid out by the Insurer from third parties, the insured person must uphold these claims and assign them to the Insurer.

  • 6. Breach of obligations

    If the insured person is in breach of their obligations, the Insurer may reduce or refuse to pay its benefits.

  • 7. Limitation period

    Insurance claims shall be subject to a limitation period of five years following the occurrence of the event giving rise to the obligation to pay benefits.

  • 8. Place of jurisdiction and applicable law

    Legal actions against the Insurer may be taken at the court having jurisdiction at the company’s registered office or at the Swiss place of residence of the insured person.

    The Federal Insurance Contract Act (ICA) shall apply in addition to these provisions.

III. Special provisions for individual insurance coverage

    Price protection insurance

    • 1.Description of coverage

      The price difference for items shall be insured if a lower price is found within 14 days of purchase.

    • 2.Area of validity

      • 2.1.Requirement
        • The insured item must have been purchased for private purposes and at least 60% paid for using the card.
        • The price difference must be at least CHF 30.
      • 2.2.Duration

        The insurance coverage commences on the date of purchase of the insured item and lasts for 14 days.

      • 2.3.Geographical coverage

        Both the vendor of the insured item and the supplier of the identical item must be commercial suppliers based in Switzerland (e.g. retail store, mail-order business, online supplier).

    • 3.Insured events

      The price difference between the price actually paid and the demonstrably lower price shall be insured if the latter was found within 14 days of the date of purchase. The purchase date is the transaction date on the card.

      The comparative price must be for an identical item (identical model, identical range of features and services, identical model number).

    • 4.Insured benefits

      The difference between the price actually paid and the demonstrably lower price shall be covered.

      The compensation shall not exceed the agreed insured sum.

    • 5.Restrictions

      In addition to Section II 3, the following shall not be insured:

      • items that are only offered (not publicly) to a restricted group of buyers (e.g. student or employee shops);
      • items from business liquidations;
      • mobile phones;
      • medical aids (e.g. glasses, medical devices, prostheses);
      • used items and second-hand goods;
      • motor vehicles.

IV. Procedures and obligations in the event of a claim

If you need to file a claim, please proceed as follows:

1. For emergency benefits from Medical Travel Assistance, Home Assistance, Vehicle Assistance or 24-Hour Assistance, you must contact the insurer immediately so that we can work together to determine the next steps and provide the necessary assistance. The emergency call centre is at your disposal day and night, including on Sundays and public holidays (telephone +41 44 283 34 18).

2. The insured person can call the following number to use the Concierge Service: Viseca Platinum service line, +41 800 752 846.

3. In order to claim the Online Legal Protection benefit, you must contact the insurer by telephone on +41 44 283 38 05.

4. In all other cases, please submit the claim form (www.allianz-travel.ch/viseca) and the necessary documents noted on it as soon as possible.

Insurance coverage Duties as to conduct in the event of a claim Specifically relevant documents

Transport accident insurance

  • Inform insurer about the event immediately
  • Booking confirmation for the means of transport
  • Evidence of disability or death certificate

Search and rescue costs

  • Send invoices to the responsible accident or health insurance provider first
  • Invoice for rescue measures
  • Health/accident insurance statements with regard to cost contribution

Trip cancellation insurance

  • Consult a medical specialist (psychiatrist in the case of psychological issues)
  • Request a detailed medical report
  • Cancel trip immediately
  • Evidence of the insured event (e.g. detailed medical report with diagnosis)
  • Booking confirmation for the trip
  • Confirmation of cancellation and statement of cancellation costs

Trip interruption insurance

  • Have a confirmation of travel curtailment drawn up
  • Evidence of the insured event (e.g. detailed medical report with diagnosis)
  • Statements for unused services
  • Confirmation of cancellation/cancellation cost invoice
  • Booking confirmation for the trip

Medical travel assistance (medical treatment)

  • Contact the insurer immediately
  • Send invoices to the responsible accident or health insurance provider first
  • Health/accident insurance statements with regard to cost contribution

Delayed luggage insurance

  • Have the transport company draw up a damage report
  • Evidence of delay (also known as property irregularity report/PIR)
  • Purchase receipts for replacement purchases made

Luggage insurance

  • Have the transport company draw up a damage report
  • Inform the police immediately in the event of theft/robbery
  • Keep damaged items available until the claim is settled and submit them for examination on request and at your own expense
  • The airline’s response to the refund request
  • Police report
  • Purchase receipts
  • Repair invoice or confirmation of total loss

Collision damage excess waiver on hired vehicles

  • Have the car hire company draw up a damage report
  • Damage report from the car hire company
  • Final invoice from the car hire company
  • Acceptance/return record

Comprehensive insurance hired cars

  • Report accident to the police
  • Have the car hire company draw up a damage report
  • Damage report from the car hire company
  • Final invoice from the car hire company
  • Acceptance/return record
  • Police report

Price protection insurance

  • Dated evidence of price difference
  • Purchase receipt with product description

Extended warranty

  • Purchase receipt
  • Repair invoice or confirmation of total loss

Purchase protection and transport insurance

  • Inform the police immediately in the event of theft/robbery
  • Keep damaged items available until the claim is settled and submit them for examination on request and at your own expense
  • Purchase receipts
  • Repair invoice or confirmation of total loss
  • The vendor’s response to the refund request
  • Police report in the event of theft/robbery

Ticket insurance

  • Consult a medical specialist (psychiatrist in the case of psychological issues)
  • Request a detailed medical report
  • Booking confirmation for the event
  • In the event of postponement: confirmation of postponement

Online account protection

  • Inform the police and financial institution immediately
  • Obtain a written declaration on compensation for financial losses from the financial institution concerned
  • Police report
  • Evidence of compensation from the financial institution concerned
  • Account/card statements showing the improper charges

Online legal protection

  • Contact the insurer immediately

Vehicle assistance

  • Contact the insurer immediately
  • Receipts for additional costs
  • Police report, medical certificate – if applicable
  • Booking confirmation for the trip

Home assistance

  • Contact the insurer immediately
  • Evidence of damage to/in the residential property
  • Booking confirmation for the trip
  • Receipts for costs

24-hour assistance

  • In the case of cost or cash advances: police report, loss report, medical report (with diagnosis), notification or statement of complaint or court documents

 

We will be happy to answer any questions about insurance benefits. Please contact our service centre on +41 44 283 38 05.
(Service centre opening hours: Monday to Friday, 8 a.m. to 6 p.m.)