What is covered?

This table shows the available benefits per product type.

The insured risks and the scope of cover are specified in the policy and the Conditions of Insurance. For some covers a deductible might apply. Please refer to the overview of benefits in your Conditions of Insurance regarding this.

  Benefit Benefit Basis Standard Premium


  • General advice
  • Medical advisory service incl. organizing German & English speaking doctors
  • Medical assistance, expenses & repatriation
  • Compassionate visit costs up to CHF 6’000.–
  • Cost guarantee for hospitalization abroad
  • Replacement of lost or stolen travel documents
  • Interpreting services
N/A Included Included
B Emergency Medical Costs Abroad Per Event CHF 100’000.– CHF 1’000’000.–
C Common Carrier Cover Per Person Not included CHF 100’000.–*
D Search & Rescue Per Event CHF 30’000.– CHF 60’000.–
E Cancellation N/A CHF 15’000.–
10% Deductible
min.CHF 50.–
CHF 20’0000.–
NO Deductible
F Flight Delay > 6 hours Per Event CHF 2’000.– CHF 2’000.–
G Luggage Delay > 4 hours Per Event Max. CHF 500.– Max. CHF 500.–
Important exclusions
  • This policy is only valid for Swiss residents.
  • The consequences of events caused by official decrees, (e.g. imprisonment, ban on leaving the country).
  • Travelling for the purpose of medical treatment.
  • Expenses recovered from an insured person by a tour operator or travel provider.
  • Insured are all travelers under the age of 70 that are named in the policy when the policy is concluded.

* If an insured event involves you and several other insured persons then the total benefit payable for all insured persons shall be limited to a maximum of CHF 10’000’000.–.