General conditions of insurance

Swisscard travel insurance

PROCEDURE IN THE EVENT OF A CLAIM

You can quickly and easily find all the necessary information on what to do in the event of a claim here.

1. Cancellation costs and abandonment of trip

The insurance covers cancellation costs in the event of non-commencement of the trip as well as the unused portion of the arrangement in the event of premature termination of the trip due to serious illness, accident, serious pregnancy complication, death, serious damage at home, failure or delay of public transport or theft of travel documents such as passport/ID.

PROCEDURE IN THE EVENT OF A CLAIM

1. Obtain booking confirmation and cancellation statement from the booking office (travel agency, transport company, rental provider, etc.).

2. Report a claim online here 

3. You will need the following documents to register the claim:

  • Booking confirmation/invoice
  • Invoice showing cancellation or subsequent journey costs
  • Medical certificate or attestation of the incident
  • Proof of insurance cover (credit card statement showing premium debit)

2. Luggage

Insured are items of personal luggage at replacement value against theft, robbery, damage or destruction as well as loss by the operators of public means of transport. 

PROCEDURE IN THE EVENT OF A CLAIM

1. In case of theft, contact the nearest police station within 24 hours

2. In case of damage or loss: request protocol/confirmation by public transport operators

3. Report a claim online here 

4. You will need the following documents to register the claim:

  • Statement of facts (police report, lost air ticket report, etc.)
  • Receipts/invoices/proof of purchase
  • Proof of insurance cover (credit card statement showing premium debit)

3. Repatriation

24-hour helpline with organization and cover for the cost of transportation to the hospital, repatriation to the place of residence or any search and rescue operation in the event of serious illness, accident, death.

PROCEDURE IN THE EVENT OF A CLAIM

1. Involve the alarm center (free number +800 8001 8003 or +41 848 801 803)

2. Report a claim online here 

3. You will need the following documents to register the claim:

  • Booking confirmation/invoice
  • Detailed medical certificate or death certificate or other official certificate
  • Receipts and invoices for insured additional costs
  • Travel tickets
  • Proof of insurance cover (credit card statement showing premium debit)

4. Travel inconvenience

If a connection between two flights is missed due to a delay of at least 4 hours solely at the fault of the first airline, or if cancellation occurs on the part of the airline or an overbooking of a confirmed scheduled flight and no alternative connection is available within at least 4 hours, the insurer will pay the additional costs (subsistence, hotel, rebooking costs, cost of alternative transport, phone charges) for the continuation of the journey following the services of the airline. Also insured is the delayed delivery of the luggage of at least 6 hours by operators of a means of public transport. The insurer shall pay the costs for absolutely necessary purchases.

PROCEDURE IN THE EVENT OF A CLAIM

1. Contact the air carrier or airline. 

2.  Report a claim online here (Delayed flightsBaggage insurance)

3. You will need the following documents to register the claim:

  • Proof of delay from the air carrier
  • Confirmation of compensation provided by the airline
  • Booking confirmation
  • Invoices/receipts for 
  • additional costs
  • Proof of insurance cover (credit card statement showing premium debit)
Classic
Premium
Exclusive
Classic
Purchase insurance in the «Classic» option including an overview of insurance benefits.
Cancellation costs and abandonment of trip with maximum sum insured of CHF 6'000 per insurance year
Cover includes cancellation costs when travel is not commenced as well as the unused portion of the arrangement in the event of premature abandonment of the trip due to serious illness, accident or death.
Luggage theft with maximum sum insured of CHF 2'000 per insurance year
Cover/insurance for personal luggage at reinstatement value in event of theft, robbery, damage or destruction as well as loss by public transport operators
Repatriation with maximum sum insured of CHF 200'000 per insurance year
24-hour helpline with organization and cover for the cost of transportation to the hospital, repatriation to the place of residence or any search and rescue operation in the event of serious illness, accident, death
Travel inconvenience
Cover for additional expenses due to; Flight cancellation, flight delay of at least 4 hours and missed connecting flight CHF 200 / Luggage delayed by at least 6 hours CHF 400 / Luggage delayed by at least 48 hours CHF 800
Premium per month
CHF 4.90
Premium
Purchase insurance in the «Premium» option including an overview of insurance benefits.
Cancellation costs and abandonment of trip with maximum sum insured of CHF 12'000 per insurance year
Cover includes cancellation costs when travel is not commenced as well as the unused portion of the arrangement in the event of premature abandonment of the trip due to serious illness, accident or death.
Luggage theft with maximum sum insured of CHF 4'000 per insurance year
Cover/insurance for personal luggage at reinstatement value in event of theft, robbery, damage or destruction as well as loss by public transport operators
Repatriation with maximum sum insured of CHF 400'000 per insurance year
24-hour helpline with organization and cover for the cost of transportation to the hospital, repatriation to the place of residence or any search and rescue operation in the event of serious illness, accident, death
Travel inconvenience
Cover for additional expenses due to; Flight cancellation, flight delay of at least 4 hours and missed connecting flight CHF 400 / Luggage delayed by at least 6 hours CHF 800 / Luggage delayed by at least 48 hours CHF 1'600
Premium per month
CHF 5.75
Exclusive
Purchase insurance in the «Premium» option including an overview of insurance benefits.
Cancellation costs and abandonment of trip with maximum sum insured of CHF 18'000 per insurance year
Cover includes cancellation costs when travel is not commenced as well as the unused portion of the arrangement in the event of premature abandonment of the trip due to serious illness, accident or death.
Luggage theft with maximum sum insured of CHF 6'000 per insurance year
Cover/insurance for personal luggage at reinstatement value in event of theft, robbery, damage or destruction as well as loss by public transport operators
Repatriation with maximum sum insured of CHF 600'000 per insurance year
24-hour helpline with organization and cover for the cost of transportation to the hospital, repatriation to the place of residence or any search and rescue operation in the event of serious illness, accident, death
Travel inconvenience
Cover for additional expenses due to; Flight cancellation, flight delay of at least 4 hours and missed connecting flight CHF 800 / Luggage delayed by at least 6 hours CHF 1'000 / Luggage delayed by at least 48 hours CHF 2'000
Premium per month
CHF 7.50

Do you have any further questions?

Contact
Claims Service
ERV
St. Alban-Anlage 26
4002 Basel
+41 58 275 27 27 schaden@erv.ch

Documents

Travel insurance GCI