Information for persons insured under

collective insurance
Page 2

Insurance conditions for optional travel

insurance with charge and credit cards
issued by Swisscard AECS GmbH
from page 3

(valid as of May 2023)

 INFORMATION FOR PERSONS INSURED UNDER COLLECTIVE INSURANCE

The following customer information provides an overview of the identity of the in- 8. Term and termination of the insurance and the insurance cover
surer and the material content of the insurance contract. The specific rights and ob- In principle, the insurance cover exists for as long as the underlying card relationship
ligations of the eligible persons are set out in the insurance conditions (hereinafter: and the registration with the collective insurance agreement are in effect. Special
“IC”), any registration forms and the applicable legal provisions (Swiss Federal Act on provisions regarding the duration of insurance cover (depending on the insured risk)
Insurance Policies, hereinafter “IPA”). can be found in the insurance conditions.
The insurance cover begins on the day agreed by the cardholder with the issuer when regis-
1. Contracting party tering with the collective insurance agreement. Registration with the collective insurance
Swisscard AECS GmbH, as the issuer (hereinafter “issuer”) of charge and credit cards agreement is valid for one year from the date specified in the insurance confirmation. Once
(hereinafter “card(s)”), has concluded a collective agreement relating to insurance this year ends, registration shall be extended by tacit agreement for a further month in
benefits (hereinafter “collective insurance agreement”) with the insurer specified each case unless terminated by the cardholder or issuer by giving 30 days’ notice to the
below that cardholders can benefit from by optionally registering with the collec- end of a month in writing or in some other form capable of serving as textual evidence.
tive insurance agreement. Based on the registration with the collective insurance The insurance cover ends in any event on termination of the card relationship in
agreement, the insured persons (see section 2) are entitled to certain benefits (see accordance with the issuer’s General Conditions of Insurance or on termination of
section IV A-D “Special Conditions of Insurance (SCI)”) vis-à-vis the insurer, but not registration with the collective insurance agreement.
vis-à-vis the issuer. The insured event must occur during the insurance period. Previous or subsequent
events are not taken into account. The insurance cover is valid worldwide for private
The risk carrier for this insurance is: Helvetia Swiss Insurance Company Ltd, Dufour- travel of up to 90 days, irrespective of whether the travel service was paid for using
strasse 40, 9001 St. Gallen, Switzerland. Responsibility for this insurance lies with: the card. In the case of lengthier stays, cover lapses from the 91st day. The insurance
European Travel Insurance ERV (hereinafter the “insurer”), a branch of Helvetia Swiss also covers services booked no more than six months prior to inception of the in-
Insurance Company Ltd domiciled at St. Alban-Anlage 56, P.O. Box, CH-4002 Basel. surance, provided the insured event occurred after the inception of the insurance. In
the case of individual benefits, the insurance cover may be limited in terms of time.
In accordance with the insurance conditions, the insurer and the issuer may delegate Please note the information in the SCI. If the insurance cover is limited in terms of
tasks to service providers. time, the day of arrival and day of departure are each calculated as one day.

2. Eligible persons 9. Acceptance of the insurance conditions

The insured persons are derived from the definition in the insurance conditions (see These insurance conditions (IC) are sent to the cardholder on registering with the
section I. C. of the IC). collective insurance agreement and can be viewed on the issuer’s website.

3. Insured risks, scope of insurance cover 10. Change in scope of cover or premiums
The insured risks and the scope of insurance cover (including exclusions from in- The insurer and the issuer may adjust premiums and insurance conditions.
surance cover) are set out in the insurance conditions, in particular in the overview Changes to the premiums, these conditions and/or the sums insured may be agreed
of insurance benefits (see section II of the IC) in conjunction with the insurance con- by the insurer and the issuer (as policyholder). The main cardholder is informed of
firmation. them in a timely and appropriate manner. They are deemed to have been approved
by the latter unless the insurance cover is terminated at a date prior to the change
Insurance cover exists irrespective of whether the travel concerned was paid for using taking effect. There is no obligation to inform the main cardholder in the event of
the valid card. changes to the conditions that do not have a negative impact on the insured persons.

4. How is the premium calculated? 11. When is there a right of cancellation?

The premium is communicated explicitly as part of the process of registering with the The eligible person may cancel their application to conclude the contract or their
collective insurance agreement. declaration of acceptance of such contract in writing or in some other form capable
of serving as textual evidence. The period of cancellation is 14 days and commences
5. What type of insurance is it? as soon as the eligible person has applied for or accepted the contract. This period is
Your insurance is generally insurance against loss. Fixed-benefit insurance policies are considered to have been met if the eligible person has notified ERV or Swisscard of
expressly designated as such in the contract documents (e.g. registration form, GCI). the cancellation or submitted their notice of cancellation to the postal service on or
by the last day of the cancellation period.
6. What insurance benefits are provided?
The amount and/or maximum limit, type of insurance benefits, as well as any deduc- 12. Information on the processing of personal data
tibles, can be found in these GCI and SCI. The issuer and the insurer process data arising from the contract documents or contract
processing and use this in particular to calculate premiums, assess risks, process insuran-
7. What are the duties of the insured persons? ce claims and perform statistical analyses. In addition, the issuer is entitled to use data,
The duties are listed in detail in the insurance conditions as well as in the IPA. in particular from contract documents and contract processing, for marketing purposes.
The principal duties of the insured persons include the following, for example: The data is processed, and in particular procured, stored, used, revised, disclosed, archi-
–If a loss event occurs, it must be reported to the insurer immediately. ved and destroyed physically or electronically in accordance with the legal provisions. To
–The insured persons must cooperate with the insurer to clarify matters, e.g. the the extent necessary, the issuer and the insurer may exchange data with third parties
circumstances of a claim, and must submit all required documents (obligation to in Switzerland and abroad involved in contract processing, co-insurers and reinsurers,
cooperate). service providers, as well as Swiss and foreign companies belonging to the insurer, for
–If a loss event occurs, reasonable actions must be taken to mitigate and elucidate processing purposes. The issuer and the insurer may also obtain pertinent information,
the loss (obligation to mitigate losses). especially on past claims experience, from government offices and other third parties.
–The main cardholder is obliged to inform the other insured persons (specifically This applies independently of the contract entering into force. The eligible person is
the additional cardholders), if applicable, of the key points of the insurance cover entitled to request the information specified by law from the issuer and the insurer
and their obligations in the case of an insured event as well as the fact that these concerning the processing of the data regarding the eligible person. The data privacy
insurance conditions may be obtained at any time from Swisscard AECS GmbH, Neu- provisions at www.erv.ch/datenschutz contain further information on the purposes for
gasse 18, CH-8810 Horgen, or viewed online at www.swisscard.ch. which personal data is processed by the insurer.

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 INSURANCE CONDITIONS FOR OPTIONAL TRAVEL INSURANCE WITH CHARGE AND CREDIT CARDS ISSUED BY SWISSCARD AECS GMBH

I. Structure of the conditions / introduction / definitions Card

Charge and/or credit card issued by the issuer.
I.) A. Structure of the conditions Card cover
The travel insurance benefits linked to the card, which may be included through optional
The insurance conditions are structured as follows: registration with the collective agreement between the issuer and the insurer.
I. Structure of the conditions / introduction / definitions Cardholder
II. Overview of insurance benefits Holder of a card.
III. General Conditions of Insurance (GCI) Epidemic
IV. Special Conditions of Insurance (SCI) An epidemic is an infectious disease which occurs to an above-average extent, in terms
of both place and time.
The benefits in the case of an insured event are specified in the overview of benefits Extreme sport
(“insurance benefits”) and as a supplement to the General and Special Conditions Exercising exceptional sporting disciplines, whereby the person concerned is exposed to
of Insurance. In the event of any inconsistencies, the overview of insurance benefits the highest physical and mental stress (e.g. Hawaii ironman triathlon).
shall take precedence. Extreme weather events/severe weather
Extreme weather conditions that deviate significantly from the average, such as heavy
The General Conditions of Insurance shall always apply if the Special Conditions of thunderstorms, storms, hurricanes, intense precipitation, etc.
Insurance do not specify otherwise. In the event of any inconsistencies, the Special GCI
Conditions of Insurance shall take precedence. The General Conditions of Insurance, which apply to all insurance benefits (part III).
Gross negligence
Gross negligence is committed by anyone who violates an elementary duty of caution,
I.) B. Introduction the observance of which is imposed on any reasonable person in the same situation.
IC
The issuer has concluded a collective insurance agreement with the insurer giving card- The insurance conditions, which contain all provisions relating to the affiliation contract.
holders, on registering with the collective insurance agreement, and other insured per- Illness
sons certain entitlements vis-à-vis the insurer but not vis-à-vis the issuer and/or third Illness is any impairment of physical, mental or psychological health which is not the
parties it has commissioned for the purpose of processing the contractual relationship. result of an accident and which requires medical examination or treatment or results
in incapacity for work.
The main cardholder is obliged to inform the other insured persons (specifically the Insured event
additional cardholders), if applicable, of the key points of the insurance cover and The event that causes the damage covered by the insurance.
their obligations in the case of an insured event as well as the fact that these insuran- Insured persons
ce conditions may be obtained at any time from Swisscard AECS GmbH, Neugasse 18, The insurance is only valid for persons who have their civil domicile or habitual residence
CH-8810 Horgen, or viewed online at www.swisscard.ch. in Switzerland.
The insured person is the person who registered with the issuer for the collective insuran-
The ERV claims service, P.O. Box, CH-4002 Basel, phone +41 58 275 27 27, [email protected] ce agreement (main cardholder). The following persons are deemed are also deemed
must be notified of an insured event as soon as it has been detected; otherwise the insured persons in addition to the main cardholder:
entitlement to benefits may be lost. – Any additional cardholders;
– Marital or domestic partners, minor children, as well as any foster children and children
for which the main or additional policyholder has holiday responsibility (regardless of
I.) C. Definitions whether they live in the same household as the main/additional cardholder);
– The following persons living in the same household as the main or additional cardhol-
Use of the male gender to facilitate readability is intended to also refer to the female gender. der: Parents, grandparents, adult children and grandchildren.
Insurer and claims adjuster
The terms used in these insurance conditions have the following meaning: The risk carrier for this insurance is: Helvetia Swiss Insurance Company Ltd, Dufourstrasse
40, 9001 St. Gallen, Switzerland. Responsibility for this insurance lies with: European
Abroad Travel Insurance ERV (hereinafter referred to as the “insurer”), a branch of Helvetia Swiss
Neither Switzerland nor the country in which the insured person has a permanent resi- Insurance Company Ltd domiciled at St. Alban-Anlage 56, P.O. Box, CH-4002 Basel.
dence is regarded as a foreign country. Issuer
Accident Swisscard AECS GmbH, as issuer of the cards, as well as third parties commissioned by it
An accident is the sudden, unintentional harmful effect of an unusual external factor on the for processing the card relationship.
human body resulting in impairment of physical, mental or psychological health or death. Main cardholder
Additional cardholder The person who has applied to the issuer for a main card and can apply for additional
The person to whom the issuer has issued an additional card at the request of the main cardholder. cards under their own responsibility and liability.
Advances Natural force
Payments that the assistance service provider makes without them being reimbursed by Sudden, unforeseeable natural event with a catastrophic character. The damaging event
an insurer, and which the insured person must repay to the assistance service provider is triggered by geological or meteorological processes.
within one month after the advance or return to the country of permanent residence. Pandemic
Cancellation costs A pandemic is the transnational, global spread of an epidemic.
If the traveller withdraws from the contract, the travel agent loses the claim to the Place of residence/country of residence/country of domicile
agreed travel price. The travel agent may, however, demand appropriate compensati- Country of residence is the country in which the insured person has their legal domicile or
on. The amount of compensation is determined by the travel price less the value of the habitual abode or which they had before commencement of the insured stay.
expenses saved by the travel agent as well as what the travel agent can acquire through Policyholder
other use of the travel services. The policyholder is the issuer.

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Public transport Travel
Public transport includes all air, land or water vehicles registered for public passenger Travel includes at least one overnight stay away from the insured person’s permanent
transport. Public transport does not include means of transport used for sightseeing residence and must include an outward and return journey.
tours/flights, rental cars and taxis. Travel service/arrangement
Robbery Travel services/arrangement are the booking of a flight, a ship, bus or train journey, a bus
Theft involving the use or threat of violence. transfer or other transport to the place of stay or back or the on-site booking of a hotel
SCI room, holiday flat, mobile home or houseboat or the charter of a yacht.
The Special Conditions of Insurance, which apply to the individual insurance benefits Unrest of any kind
(part IV). Acts of violence against people or property by gangs or during violent demonstrations
Sports equipment or rioting.
Sports equipment is all items needed to practise a sport (e.g. skis, snowboards, hunting Valuable items
rifles, diving and golf equipment, etc.), including accessories. All items with a replacement value of CHF 500 or more shall be deemed valuable items.
Sum insured
Amount of maximum claim in accordance with overview of insurance benefits.
Switzerland
Switzerland and the Principality of Liechtenstein are included in the scope of application.
Terrorism
Terrorism is defined as any act or threat of violence to achieve political, religious, ethnic,
ideological or similar objectives. The act or threat of violence is likely to spread fear or
terror among the population or parts of the population or to influence a government
or state institutions.

II. Overview of insurance benefits

Description of the insurance benefits Sums insured Geographical
Travel insurance is available in one of three options: Classic, Premium or Exclusive. The applicable Maximum benefit sums in CHF per insurance year validity
travel insurance option and related benefit components (A-D) are communicated to the customer in the insurance
confirmation. Classic Premium Exclusive
A. Cancellation costs and abandonment of trip
Cover includes cancellation costs when travel is not commenced as well as the unused portion of the arrangement in 6,000 12,000 18,000 Worldwide
the event of premature abandonment of the trip due to serious illness, accident or death.
B. Luggage
Cover/insurance for personal luggage at reinstatement value in event of theft, robbery, damage or destruction as well 2,000 4,000 6,000 Worldwide
as loss by public transport operators
C. Repatriation
24-hour helpline with organization and cover for the cost of transportation to the hospital, repatriation 200,000 400,000 600,000 Worldwide
to the place of residence or any search and rescue operation in the event of serious illness, accident, death
D. Travel inconvenience
Cover for additional expenses due to
• Flight cancellation, flight delay of at least 4 hours and missed connecting flight 200 400 800 Worldwide
• Luggage delayed by at least 6 hours 400 800 1,000
• Luggage delayed by at least 48 hours 800 1,600 2,000

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III. General Conditions of Insurance (GCI)

1 When does the insurance cover commence and when does it end? – which occur under the influence of alcohol, drugs, narcotics or pharma-
1.1 Duration of the insurance ceuticals;
The insurance cover begins on the day agreed by the cardholder with the issuer – which occur on the occasion of the wilful or attempted commitment of
when registering with the collective insurance agreement. Registration with crimes or offences;
the collective insurance agreement is valid for one year from the date specified – which occur in connection with suicide, self-mutilation and the attempt
in the insurance confirmation. Once this year ends, registration shall be exten- thereof;
ded by tacit agreement for a further month in each case unless terminated – which are caused by ionizing rays of any kind, in particular as a result of
by the cardholder or issuer by giving 30 days’ notice to the end of a month in nuclear reactions;
writing or in some other form capable of serving as textual evidence. – caused by a pandemic. The exceptions are if the insured person falls ill and
The insurance cover ends in any event on termination of the card relationship their own isolation/quarantine in the event of infection.
in accordance with the issuer’s General Conditions of Insurance or on termi-
nation of registration with the collective insurance agreement. 3. What needs to be done when an insured event occurs? (Duties)
1.2 Duration and scope 3.1 In the event of
The insured event must occur during the insurance period. Previous or a claim, please contact the ERV claims service, P.O. Box, CH-4002 Basel,
subsequent events are not taken into account. The insurance cover is valid phone +41 58 275 27 27, [email protected];
worldwide for private travel of up to 90 days, irrespective of whether the – an emergency, please contact the 24-hour alarm center on +41 848 801 803
travel service was paid for using the card. In the case of lengthier stays, cover or free phone +800 8001 8003. These numbers are available day and night
lapses from the 91st day. The insurance also covers services booked no more (including Sundays and public holidays). The alarm center will advise on the
than six months prior to inception of the insurance, provided the insured appropriate course of action and organize the necessary assistance.
event occurred after the inception of the insurance. In the case of individual 3.2 If the insured event is imminent or has already occurred, everything must be
benefits, the insurance cover may be limited in terms of time. Please note done before to help avert or mitigate the loss.
the information in the SCI. If the insurance cover is limited in terms of time, 3.3 The insurer must be provided with the required information and necessary
the day of arrival and day of departure are each calculated as one day. documents immediately.
1.3 Acceptance of the insurance conditions 3.4 In the event of illness or accident, a doctor must be consulted immediately;
These insurance conditions (IC) are sent to the cardholder on registering with the doctor must be informed of your travel plans and you must follow their
the collective insurance agreement and can be viewed on the issuer’s website. instructions. The insured/eligible person shall release the doctors treating
them from the duty of confidentiality towards the insurers in relation to
2. When is insurance cover non-existent or limited? information required by the insurer in order to assess its obligation to pay
2.1 Claims against third parties benefits.
If the insured person has been indemnified by a liable third party or their 3.5 In addition, we recommend that chronically ill persons have their fitness to
insurer, no payment will be made under this contract. If ERV is sued instead travel confirmed in a medical certificate to be issued immediately before
of the liable party, the insured person must assign their liability claims up to booking a travel service.
the amount of the expenses incurred by ERV.
In the case of multiple insurance (voluntary or compulsory insurance) ERV 4. What happens in the event of a failure to comply with the duties?
provides its benefits on a subsidiary basis, unless the terms and conditions 4.1 In the event of a culpable breach of duties when a claim is made, the insurer
of insurance of the other insurer likewise contain a subsidiary clause. In this is entitled to reduce compensation by the amount by which it would have
case the statutory provisions for multiple insurance are applicable. been reduced had the insured person acted in accordance with the policy
Costs will only be reimbursed, in total, once even where there is multiple terms.
insurance with licensed companies. 4.2 The insurer is not obliged to pay benefits if
2.2 General exclusions – false information is provided intentionally,
The insurance does not cover events – facts are concealed,
– which had already occurred or were evident at the time of taking out the – the required obligations (including police report, statement of facts, con-
insurance or booking the travel or which could – hypothetically – have firmation and receipts) are breached, and/
been diagnosed by a doctor during an examination. The provisions of sec- – or if the insurer suffers a disadvantage as a result.
tion IV.) A. 1.4 and section IV.) C. 1.2 are reserved;
– which occur in connection with illnesses or accidents that have not been 5. What happens in terms of the payment of benefits?
diagnosed by a doctor immediately after the time of occurrence and are 5.1 The insurer generally pays its benefits in CHF. Foreign currencies are conver-
not supported by a medical certificate; ted at the exchange rate on the day on which these costs were incurred.
– where the assessor (expert, doctor, etc.) who makes the findings on the loss event is 5.2 Any benefits unduly received from the insurer must be refunded to it within
a direct beneficiary or is related to the insured person either by birth or by marriage; 30 days, together with any expenses incurred.
– which are a consequence of warlike events or are due to terrorism, subject 5.3 When assessing whether or not a trip to a country is reasonable because of
to the provisions of section IV.) A. 1.2.5; strikes, unrest, war, terrorist attacks, epidemics, etc., the current recommen-
– which are in connection with abductions; dations of the Swiss authorities apply in principle. This will normally be the
– which are a consequence of official orders; Federal Department of Foreign Affairs (FDFA) and/or the Federal Office of
– which occur when taking part in Public Health (FOPH).
– competitions, races, rallies or training sessions with motor vehicles or boats;
– competitions and training sessions in connection with professional 6. Change in scope of cover or premiums
sport or an extreme sport, Changes to the premiums, these conditions and/or the sums insured may be
– trekking trips and mountain tours when sleeping at altitudes of over agreed by the insurer and the issuer (as policyholder). The main cardholder
4,000 m above sea level, is informed of them in a timely and appropriate manner. They are deemed to
– acts of daring (reckless actions) in which the person concerned kno- have been approved by the latter unless the insurance cover is terminated at
wingly exposes themselves to particularly great danger; a date prior to the change taking effect.
– which occur when driving a motor vehicle or boat without the legally There is no obligation to inform the main cardholder in the event of changes
required driving licence or in the absence of the legally required accom- to the conditions that do not have a negative impact on the insured persons.
panying person;

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7. When do claims under this agreement lapse? required for registration with the collective insurance, performance of the
Claims lapse five years after the occurrence of an insured event. contract or settlement of claims; the aforementioned parties shall be relea-
sed from any duty of confidentiality vis-à-vis each other. In particular, the
8. Which court is responsible? issuer is entitled – for the aforementioned purposes – to disclose the fact
The sole place of jurisdiction for the eligible person is their Swiss domicile or that a corresponding card relationship exists between the issuer and the
the domicile of the insurer, Basel. main/additional cardholder. This authorization does not expire upon the
death, loss of ability to act or bankruptcy of the main/additional cardholder.
9. What law applies? The insurer, issuer and service providers appointed by the aforementioned
This contract is governed by Swiss law. The basis of the contract comprises persons in connection with the performance of the contract and settlement
e.g. the customer information, the General Conditions of Insurance, further of claims are entitled to obtain pertinent information from such third parties
Special Conditions or supplementary conditions if applicable, and the de- as well as inspect official files. The insurer and the issuer undertake (inclu-
claration of registration. In all other respects, the Swiss Federal Act on In- ding the obligation to transfer such duty to appointed service providers) to
surance Policies applies. treat information obtained in such manner as strictly confidential. The data
are stored physically and/or electronically. Where necessary, data is disclo-
10. What about the assignment of claims and limitation of liability? sed to third parties, namely co-insurers, reinsurers and other participating
When ERV pays the claim, the eligible person shall assign their claim resul- insurers, as well as the service providers and assistance service providers in
ting from the insurance contract as an automatic lump sum to ERV. Switzerland and abroad. In addition, information may be passed on to other
ERV only provides insurance cover and is only liable for claims or other be- liable third parties and their liability insurance policies in order to enforce
nefits insofar as they do not conflict with sanctions or constitute a breach of claims for recourse. The insurer is entitled to communicate the suspension,
sanctions under UN resolutions and do not breach trade or economic sanc- amendment or termination of the insurance as well as rejection of a claim
tions imposed by Switzerland, the European Union, the United Kingdom or for insurance benefits to third parties (specifically relevant authorities, go-
the United States of America. vernment departments and the issuer) to whom the insurance cover was
confirmed.
11. What happens in terms of data protection?
The insurer, issuer and service providers appointed by the aforementioned 12. What else must be observed?
persons are entitled to exchange, obtain from involved third parties (e.g. the In cases of doubt about the interpretation and content of all documentation,
issuer) and process any data regarding the insured persons that is directly the German version shall prevail.

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IV. Special Conditions of Insurance (SCI)

IV.) A. Cancellation costs and abandonment of trip 1.3 If the person who triggers the cancellation, abandonment, interruption or
extension of the trip as a result of an insured event is not related either by
1. Insured events birth or by marriage to the insured person, entitlement to benefits will only
1.1 Cancellation costs exist if the insured person would have to undertake/continue the trip alone.
The insurer shall provide insurance cover if the insured person is unable to 1.4 If an insured person suffers from a chronic illness without that person’s trip ap-
take up the booked travel service as a result of any of the following events, pearing to be in question at the time of registration with the collective insurance
provided this occurred after taking out the insurance or booking the trip: agreement, at the time of booking, or prior to the commencement of the travel
1.1.1 Unforeseen serious illness, serious injury, serious pregnancy complications service, the insurer shall pay the insured costs incurred if the trip has to be can-
or death celled, interrupted, abandoned or extended due to unforeseeable, serious acute
– of an insured person; aggravation of this illness or if death occurs as a result of the chronic illness.
– of a person travelling with the insured person;
– of a person not travelling with the insured person, who is very close to the 2. Insured benefits
insured person; Decisive when assessing the entitlement to benefits is the time of the event
– of the direct deputy at the place of work, so that their presence at work is which triggers the cancellation, abandonment, interruption or extension of the
essential; travel service. The insurer provides the following benefits up to the maximum
1.1.2 Strike (except in the case of active participation) on the planned travel route amount per insured event in total as set out in the overview of insurance benefits.
abroad. Unrest of any type, quarantine, epidemics or natural disasters at the 2.1 Cancellation costs
travel destination if the life and property of the insured person is at real risk If the insured event occurs, the insurer shall pay:
and/or the Swiss authorities have issued an official travel warning for the 2.1.1 the cancellation costs actually incurred (excluding security and airport fees).
destination; Overall, this benefit is limited by the arrangement price or the sum insured
1.1.3 Serious damage to the property of the insured person at their place of resi- as set out in the overview of insurance benefits. Unlawfully obtained or re-
dence as a result of fire, natural disasters, theft or water damage so that their peated processing fees are not insured;
presence at home is essential; 2.1.2 the additional costs for delayed commencement of travel if the insured person
1.1.4 Failure or delay – both as a result of technical defect or extreme weather is unable to commence travel at the scheduled time as a result of the insured
event – of the public transport to be used to reach the official place of de- event; this benefit is limited to the travel service price or to the maximum
parture (airport, departure railway station, port or coach boarding place) in amount of CHF 3,000 per person. Should additional expenses be asserted, the
the country of residence; entitlement to cancellation costs will lapse in accordance with section 2.1.1.
1.1.5 If within the last 30 days before departure – the insured person unexpected- 2.2 Abandonment of the trip
ly takes up a new permanent job with a new employer (promotions, etc. are If the insured event occurs, the insurer shall pay:
excluded) or – the employment agreement of the insured person is termina- 2.2.1 the costs of temporary return to the place of residence in an amount of up
ted by their employer through no fault of their own; to CHF 3,000 per person (outward and return journey for a maximum of two
1.1.6 Theft of tickets, passport or identity card; insured persons) if a stay for a period fixed in advance was booked with a
1.1.7 Pregnancy of an insured person, if the date of return is after the 24th week return journey;
of pregnancy, or if a vaccination that would present a risk to the unborn child 2.2.2 the additional costs of an unscheduled return journey, based on first-class
is recommended for the destination of travel. rail travel and economy-class air travel;
1.2 Abandonment of the trip 2.2.3 the costs corresponding to the unused portion of the travel arrangement
The insurer shall provide cover if the insured person has to abandon, interrupt (excluding costs of the originally booked return journey); this benefit is li-
or extend the booked travel service as a result of any of the following events: mited to the travel price or the sum insured as set out in the overview of
1.2.1 Unforeseen serious illness, serious injury, serious pregnancy complications insurance benefits;
or death 2.2.4 either the additional costs for continuation of the journey, including accommo-
– of an insured person; dation, subsistence and communication costs for calls to the alarm center (for a
– of a person travelling with the insured person; maximum of seven days) up to the amount of CHF 700 per person or up to CHF
– of a person not travelling with the insured person, who is very close to the 1,000 if a rental car is used, regardless of how many people use the rental car;
insured person; 2.2.5 the cost of organizing the cancellation of mobile phones, credit and debit
– of the direct deputy at the place of work, so that their presence at work is cards, but not the resulting costs.
essential;
1.2.2 Strike (except in the case of active participation) on the planned travel route 3 Exclusions
abroad. Unrest of any type, quarantine, epidemics or natural disasters at the Benefits are excluded:
travel destination if the life and property of the insured person is at real risk 3.1 if the service provider (tour operator, landlord, organizer, etc.) cancels, ch-
and the continuation of the trip or stay is therefore rendered impossible or anges or abandons the agreed service or should have cancelled, changed or
unreasonable; abandoned it for objective reasons;
1.2.3 Serious damage to the property of the insured person at their place of resi- 3.2 if the suffering which triggers the cancellation, abandonment, interruption
dence as a result of fire, natural forces, theft or water damage so that their or extension of the trip was a complication or consequence of medical treat-
presence at home is essential; ment or surgery already planned at the inception of the insurance or at the
1.2.4 Failure of a booked or used means of public transport as a result of a techni- time of booking, or prior to commencement of the trip.
cal defect or due to extreme weather events, if the continuation of the jour- 3.3 if an illness or the consequences of an accident, operation or medical inter-
ney in accordance with the itinerary is not, therefore, guaranteed. Delays or vention already existed at the time of travel booking and the insured person
detours of the booked or used means of public transport will not be regarded had not recovered by the travel date;
as failure. No entitlement will exist in the event of breakdowns or accidents 3.4 in the event of cancellation regarding section 1.1.1 without medical indi-
of private motor vehicles used to undertake the journey, whether the insured cation and if the medical certificate was not issued at the time of the first
person is the driver or a passenger; possible determination of incapacity to travel or was obtained by telephone
1.2.5 Warlike events or terrorist attacks within 14 days of their first occurrence, if consultation;
the insured person is caught unawares by them while abroad; 3.5 in the case of abandonment, interruption or extension of the trip with regard
1.2.6 Theft of tickets, passport or identity card: Only the benefits pursuant to sec- to section 1.1.1 without medical indication (e.g. in case of adequate medical
tion 2.2.5 are insured. care on site, etc.) or if no doctor was consulted on site;

–7–
3.6 if a cancellation due to a mental or psychosomatic illness 5. Exclusions
– cannot be established by a psychiatric specialist and in the form of a certi- Benefits are excluded:
ficate issued on the day of cancellation and 5.1 for damage due to wear and tear, deliberate damage, exposure to adverse weather
– in relation to persons in employment cannot additionally be established conditions, inadequate or defective characteristics or packaging of the items;
through production of a 100% confirmation of absence by the employer 5.2 for damage resulting from leaving behind, misplacing, losing or dropping items;
for the duration of the medically certified inability to travel. 5.3 for items left behind at a location accessible to the general public, which is
outside the control of the insured person, even for a short time;
4. Duties in event of a claim 5.4 for items which are kept in a manner inappropriate to their value;
4.1 Cancellation costs 5.5 for valuable items left in a locked motor vehicle, boat or tent, or entrusted
The booking office (travel agency, transport company, landlord, etc.) must to a transport company for conveyance, and for as long as these items are in
be notified immediately after the event occurs. the care of the transport company;
4.2 Abandonment of the trip 5.6 for items left on or in vehicles, boats or tents overnight (10 p.m. to 6 a.m.).
The insured person is obliged to claim the benefits in accordance with secti-
on 2.2 via the alarm center and to have them approved by the alarm center 6. Duties while travelling
or the insurer in advance. Otherwise, the refund may be reduced to the 6.1 When they are not being worn or used, valuable items
amount that would have arisen had the alarm center organized the benefits – must have been handed over to an overnight accommodation provider or
or been able to influence them. a guarded cloakroom for custody or
4.3 The insured must immediately notify the insurer of any damage caused as – must be kept under lock and key in a locked room with restricted access;
soon as it is detected. bags of all kinds, beauty and attaché cases, as well as jewellery boxes, are
4.4. The following documents must be submitted to the insurer: not regarded as sufficient containers.
– the booking confirmation/invoice for the arrangement; 6.2 Travel warnings issued by the Swiss Federal Department of Foreign Affairs
– the invoices for the cancellation or subsequent travel costs (originals); (FDFA) in relation to the specific travel destination, in particular the level of
– a detailed medical certificate or a death certificate or other official certificate. criminality there as well as associated precautions, must be followed.

7. Duties in event of a claim

IV.) B. Luggage 7.1 The insured person must
– in the event of theft or robbery report the incident to the nearest police
1. Insured items station (police report, airline ticket loss report, etc.) within 48 hours and
1.1 All items which the insured persons take on the journey for their own perso- request an official investigation;
nal use are insured. – in the event of damage or loss of baggage during conveyance, have the cau-
1.2 Insurance cover for sports equipment, wheelchairs and buggies applies ses, circumstances and extent of the damage confirmed immediately by the
exclusively during conveyance by public transport, and for as long as the competent authority (hotel management, tour guide, transport company,
insured items are in the care of a transport company. etc.) in a statement of facts and apply for indemnification therein;
– after returning from the trip immediately inform the insurer in writing or any
2. Non-insured items other form capable of serving as textual evidence, giving reasons for the claim.
The insurance does not cover: 7.2 The insured must immediately notify the insurer of any damage caused as
2.1 cash and tickets (subject to section 4.3), securities, deeds and documents soon as it is detected.
of all kinds (subject to section 4.6), software, precious metals, precious sto- 7.3 The following documents must be submitted to the insurer:
nes and pearls, stamps, samples and objects with artistic or collector value, – the original of the statement of facts (police report, airline ticket loss re-
musical instruments, motor vehicles, motorcycles, trailers, boats, surfboards, port, etc.);
caravans and aircraft, and their accessories; – the original confirmation, receipts or purchase confirmations.
2.2 items of value covered by special insurance. 7.4 Damaged items must be kept at the disposal of the insurer.

3. Insured events
3.1 The insurance covers: IV.) C. Repatriation
– theft, burglary, robbery;
– damage, destruction; 1. Insured events
– loss during conveyance by public transport operators. 1.1 The insurance covers unforeseeable serious illness, serious injury, serious
3.2 In the case of camping, events described in section 3.1 are only insured if pregnancy complications or death of the insured person.
they occur within officially approved camp sites. 1.2 If an insured person suffers from a chronic illness without that person’s trip
appearing to be in question at the time of taking out the insurance, at the
4. Insured benefits time of booking, or prior to the commencement of the trip, the insurer shall
The time of the event at which the luggage is affected by an insured event is pay the insured costs incurred if the insured person has to be repatriated due
decisive for assessment of the claim to benefits. to unforeseeable, serious acute aggravation of this illness or if death occurs
The insurer provides the following benefits up to the maximum amount per as a result of the chronic illness.
insured event in total as set out in the overview of insurance benefits:
4.1 in the event of total loss of insured items, their reinstatement value; 2. Insured benefits
4.2 in the event of partial loss, the costs of repair, but at most the reinstatement value; The time of the event which triggers the repatriation is decisive when asses-
4.3 cash and tickets exclusively in the event of theft, up to 20% of the sum insured; sing the entitlement to benefits. The insurer provides the following benefits
4.4 breakages, up to 20% of the sum insured; up to the maximum amount per insured event in total as set out in the over-
4.5 glasses, contact lenses, prostheses and wheelchairs, up to 20% of the sum insured; view of insurance benefits:
4.6 in the event of theft or loss of passport, identity card, driver’s, vehicle or simi- 2.1 Costs
lar identity documents and keys, the cost of recovery; – for transfer to the nearest suitable hospital for treatment;
4.7 in the event of theft or loss of credit cards and mobile phones, the organiza- – of a medically attended emergency transport to the hospital suitable for
tion (but not the cost) of blocking; treatment at the place of residence of the insured person.
4.8 for non-valuable items left in a locked motor vehicle, boat or tent, up to 50% The insurer’s doctors alone shall decide on the necessity, nature and timing
of the sum insured. of these benefits;
2.2 Organization and payment of the outward and return journey for a person 2. Insured benefits
very close to the insured to the latter’s sickbed, based on first-class rail travel The time of the event at which the insured event occurs is decisive for assess-
and economy-class air travel, up to CHF 5,000; ment of the claim to benefits. The insurer provides the following benefits as
2.3 The costs of any necessary search and rescue operation, up to CHF 10,000 per a supplement to the benefits provided by the airline up to the maximum
person, if the insured person is considered missing or has to be rescued; amount per insured event in total as set out in the overview of insurance
2.4 The organization costs and cost of the formalities ordered by the authorities benefits.
if the insured person dies during the trip. In addition, the insurer will pay the 2.1 Flight delay
costs of cremation outside the country of residence or the additional costs When an insured event occurs, the insurer will pay the additional costs (sub-
of complying with the international Agreement on the Transfer of Corpses sistence, hotel, rebooking costs, cost of alternative transport – e.g. taxi to a
(minimum requirements such as a zinc coffin or lining) and the return of the different departure airport, phone charges) for continuation of the journey.
coffin or urn to the last place of residence of the insured person; 2.2 Luggage delay
2.5 A repayable advance on costs of up to CHF 5,000 per person if an insured per- When an insured event occurs, the insurer will pay the costs of urgently nee-
son has to be hospitalized abroad (reimbursement within 30 days of return ded purchases. There is no right to compensation for the return journey to
to the place of residence); the place of residence.
2.6 The insurer is responsible for the decision on the necessity, nature and ti-
ming of these benefits. 3. Exclusions
Benefit payments are excluded if the insured person is responsible for the
3. Exclusions delay.
None of the events specified in section IV.) A. 3. are insured.
4. Duties in event of a claim
4. Duties in event of a claim 4.1 The insured person must
4.1 The insured person is obliged to claim the benefits in accordance with secti- – have the causes, circumstances and extent of the damage confirmed
on 2.1 via the alarm center and to have them approved by the alarm center immediately by the relevant airline in a statement of facts and apply for
or the insurer in advance. Otherwise, the refund may be reduced to the compensation therein;
amount that would have arisen had the alarm center organized the benefits – after returning from the trip immediately inform the insurer in writing or
or been able to influence them. any other form capable of serving as textual evidence, giving reasons for
4.2 The insured must immediately notify the insurer of any damage caused as the claim.
soon as it is detected. 4.2 The insured must immediately notify the insurer of any damage caused as
4.3 The following documents must, inter alia, be submitted to the insurer: soon as it is detected.
– a detailed medical certificate or a death certificate or other official certifi- 4.3 The following documents must, inter alia, be submitted to the insurer:
cate. – Evidence of the delay from the airline and evidence that no alternative was
offered within four hours;
– Confirmation of compensation paid by the airline;
IV.) D. Travel inconvenience – Original receipts for the additional costs incurred.

1. Insured events
The insurer grants insurance cover in the following cases:
1.1 Delay of a confirmed scheduled flight by at least four hours;
1.2 Cancellation by the airline or overbooking of a confirmed scheduled flight
and if no alternative is available within at least four hours;
1.3 Missed connecting flight due to delay of first scheduled flight and if no alter-
native is available within at least four hours after arrival of the delayed flight;
1.4 Delayed delivery of luggage by at least six hours by the operators of a public
transport service.

2301R_05.2023_AVB Reise-Annu/Abbruch D

Swisscard AECS GmbH • P.O. Box 227 • CH-8810 Horgen • swisscard.ch

Cards, issued by Swisscard AECS GmbH –9–