Insurance

Transport Accident Insurance*

If an accident occurs during travel on public transportation, the insured persons receive financial support in the event of death or a permanent disability.

Foreign Travel Medical Expenses

Should you fall ill or experience an accident while traveling abroad, possible emergency medical treatment and hospital expenses will be covered in accordance with the policy terms and conditions, after your Swiss health and/or accident insurance has paid its benefits. This ensures you receive support so you are well cared for while traveling.

Repatriation from abroad

If your independent return travel from abroad is not possible for specific health-related reasons, your repatriation home will be organized and the associated costs covered. You will be taken to a suitable hospital or back home.

Search, rescue, and recovery costs

In the event of emergencies due to illness or accident, as well as in the event of death during your trip, search, rescue and recovery costs are covered in accordance with the General Terms and Conditions of Insurance. 

Travel assistance

A personal assistance service provides you with financial support if you face organizational challenges should you suffer an acute illness or accident during your trip; this can include arranging a replacement driver, an early return home, fees for interpreters or medically prescribed hotel stays.

Benefits in the event of kidnapping

In exceptional situations such as a kidnapping during your trip, fellow travelers will receive either compensation for trip extensions/cancellations or a close relative of the kidnapped individual will be able to travel to the destination. 

Travel Cancellation and Curtailment Insurance*

If you have to cancel or prematurely terminate your trip due to insured events, trip cancellation costs or costs owing for unused travel and accommodation expenses or rebooking fees will be covered up to a certain amount. This means you won’t be left with all the expenses in the event of unforeseen circumstances.

Travel Inconvenience Insurance*

In the event of a departure delay of at least 4 hours due to a flight cancellation or overbooking without alternative transportation, or a delay to a booked flight resulting in a missed connecting flight, if no alternative transportation is offered within four hours, Travel Inconvenience Insurance covers the additional expenses for meals, lodging, or alternative onward travel. And if your luggage is delayed, help will be provided for necessary purchases of clothing and toiletries.

Luggage Insurance*

Your personal luggage is insured against loss, theft or damage during your trip. Replacement costs up to the maximum insured amount will be reimbursed; if your luggage is found, you will be reimbursed for transportation costs back to your home.

Travel information and advances

You will receive access to travel information as well as assistance with recommendations for doctors or attorneys and with obtaining replacement documents needed for your return home. In certain cases, advances may also be provided. 

* These insurance benefits require the insured person to have paid at least 50% of the costs for the services specified in the General Terms and Conditions of Insurance using the card.

Return Protection Insurance*

If a merchant refuses to accept the return of undamaged, unused goods with a purchase value of at least CHF 60, Return Protection Insurance can provide assistance. In the event of a claim, the insurer will reimburse the price paid for the insured goods up to the maximum insured amount.

Purchase Protection Insurance*

Newly purchased products are insured against theft and damage for 90 days after purchase. This provides you with financial relief if the event of an insurance claim. 

Extended guarantee*

The guarantee for various product categories is extended by two additional years after the manufacturer’s guarantee or the retailer’s guarantee expires. This means that repairs or replacements are also covered to the maximum insured amount after the original warranty has expired.

Ticket Insurance*

If you are unexpectedly unable to attend a booked event for specific reasons such as illness, pregnancy or vehicle breakdown on your journey to the event, the price of the ticket will be refunded.

Online Buyer Protection*

With online shopping, you can be compensated if the goods you order aren’t delivered or arrive damaged. Online Buyer Protection provides financial support if a purchase doesn’t go as expected.

* These insurance benefits require the insured person to have paid at least 50% of the costs for the services specified in the General Terms and Conditions of Insurance using the card.

Loss Damage Waiver for Rental Cars (LDW/CDW)*

In the event of damage to or theft of a rental vehicle, in certain cases – such as material damage to the rental car, theft of the rental car, or loss of use – you benefit from insurance coverage that reduces your financial risk.

Vehicle assistance

In the event of breakdowns or accidents while traveling, you will receive support such as roadside assistance or towing within the EU and other selected countries. This ensures you also remain mobile abroad.

Home Assistance

In the event of sudden and unforeseen emergencies in your home during a trip or shortly after your return, the insurer will arrange for the recommendation of repair services and the recommendation of specific immediate measures and temporary solutions.

* These insurance benefits require the insured person to have paid at least 50% of the costs for the services specified in the General Terms and Conditions of Insurance using the card.