Insurance:
Benefits, conditions, coverage

What if you have to shorten, interrupt or extend your trip? With trip interruption insurance, you are insured against unforeseen events such as illness, accidents or death during the trip (including those involving related persons). The insurance reimburses you for the costs of the unused part of your trip as well as additional return trip and accommodation costs.

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

The following prerequisites must be met for the insurance to provide cover:

• The trip is interrupted or abandoned due to an insured event.
• The trip is a business trip lasting no more than 120 days.
• At least 50% of the travel costs were paid for with one or more valid Viseca company credit cards.
• The insurer has been contacted immediately.

The following maximum insured sums apply per event and per person:

• CHF 5 000: Mastercard Business Card Silver, Mastercard Corporate Card Silver
• CHF 10 000: Mastercard Business Card Gold, Mastercard Corporate Card Gold

There is no policy excess.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Business Card Silver / Gold
• Mastercard Corporate Card Silver / Gold

Coverage applies worldwide as well as in Switzerland.

The following qualify as insured events:

• Serious illness, accident or death of the insured person or of a related person or of the person deputising at the place of work
• Break-in or damage of home
• Serious complications of pregnancy
• Unforeseen events on the travel route such as natural disasters and epidemics
• Theft of travel documents during the trip
• Delay or failure of the public means of transport due to a strike, bad weather, machine failure or accident
• Loss of work of the insured person through no fault of their own after booking the trip
• Necessary interruption or abandonment of a business appointment that is the main reason for the trip
• Unforeseen breakdown or unforeseen accident involving the car or taxi
• Cancellation or restriction of the public means of transport due to a strike, bad weather, machine failure or accident

For the trip to be covered, at least 50% of all services reserved for the trip must have been paid for with one or more valid Viseca company credit cards.

A business trip is deemed to be a temporary absence from the place of residence or work for business reasons for up to 120 calendar days, excluding commuting. Included in this are no more than 14 free days or days’ holiday, right at the beginning of, during or prior to the end of the business trip.

The following qualify as related persons:

• spouse or partner
• parents
• children, foster children and adoptive children
• siblings
• parents-in-law, son-in-law, daughter-in-law, grandparents and grandchildren of the insured person

Related persons are not insured persons and therefore do not benefit from insurance protection. However, if a trip must be cancelled or interrupted due to an accident or serious illness concerning a related person, this is an insured event.

Any means of transport that runs regularly on the basis of a timetable and the use of which requires the purchase of a ticket. Private and business jets for which booking confirmation exists are covered. Taxis and hire cars do not qualify as public transport.

If admission to hospital (minimum of one night’s stay) is necessary, if as part of the treatment the physician must prescribe a drug that is available in Switzerland on prescription only, if the physician certifies that the insured person is unfit for work for at least five working days or if the physician certifies in writing that the insured person is unfit to travel.

Exclusions from the insurance cover include the following:

• Existence of the incident or illness at the time of the booking.
• Implementation of measures and incurring of costs that were not ordered or approved beforehand.
• Cancellation of the trip by the organiser.
• Poor recovery

If an insured event occurs, the insurer (phone +41 22 939 22 11) must be contacted without delay and its consent obtained for any measures to be taken and any assumption of costs for such measures. The emergency call centre is available around the clock.

Send the following documents as soon as possible to help@europassistance.ch:

• Proof that at least 50% of the cost of the trip was paid for with one or more valid Viseca company credit cards (copy of monthly statement)
• Booking confirmation
• Confirmation of cancellation/re-booking
• Proof of the insured event (e.g. detailed medical report with diagnosis)

If you have any questions, contact the insurer on +41 22 939 22 11 or at help@europ-assistance.ch.

No. To benefit from insurance cover, you must pay for at least 50% of the travel costs with a valid Viseca company credit card.

In the event of interruption, termination or extension for medical reasons, a detailed medical certificate from the treating doctor on site must be submitted in order to assess your case. A medical certificate from your doctor at your place of residence is not sufficient.

No. There is no insurance cover because you did not pay for at least 50% of the originally booked trip with your Viseca company credit card.

The exact terms and conditions can be found in the General Insurance Conditions for payment cards of business customers of Viseca Card Services SA

You’ve been looking forward to your vacation, but shortly before you’re due to depart an emergency occurs making it impossible for you to leave as planned? With trip cancellation insurance, you are insured before the trip against unforeseen events such as illness, accidents or death (including those involving related persons). If you are unable to start your trip or can only start later, you will be reimbursed for the cancellation or rebooking costs.

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

The following prerequisites must be met for the insurance to provide cover:

• The trip is interrupted or abandoned due to an insured event.
• The trip is a business trip lasting no more than 120 days.
• At least 50% of the travel costs were paid for with one or more valid Viseca company credit cards.
• The insurer has been contacted immediately.

The following maximum insured sums apply per event and per person:

• CHF 5 000: Mastercard Business Card Silver, Mastercard Corporate Card Silver
• CHF 10 000: Mastercard Business Card Gold, Mastercard Corporate Card Gold

There is no policy excess.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Business Card Silver / Gold
• Mastercard Corporate Card Silver / Gold

Coverage applies worldwide as well as in Switzerland.

The following qualify as insured events:

• Serious illness, accident or death of the insured person or of a related person or of the person deputising at the place of work
• Loss of work through no fault of their own after booking the trip
• Break-in or damage of home
• Travel warning by the Federal Department of Foreign Affairs (DFA) after booking
• Serious complications of pregnancy
• Unforeseen events on the travel route such as natural disasters and epidemics
• Theft of travel documents prior to commencement of the trip
• Necessary interruption or abandonment of a business appointment that is the main reason for the trip
• Unforeseen breakdown or unforeseen accident involving the car or taxi
• Cancellation or restriction of the public means of transport due to a strike, bad weather, machine failure or accident

For the trip to be covered, at least 50% of all services reserved for the trip must have been paid for with one or more valid Viseca company credit cards.

A business trip is deemed to be a temporary absence from the place of residence or work for business reasons for up to 120 calendar days, excluding commuting. Included in this are no more than 14 free days or days’ holiday, right at the beginning of, during or prior to the end of the business trip.

The following qualify as related persons:

• spouse or partner
• parents
• children, foster children and adoptive children
• siblings
• parents-in-law, son-in-law, daughter-in-law, grandparents and grandchildren of the insured person

Related persons are not insured persons and therefore do not benefit from insurance protection. However, if a trip must be cancelled or interrupted due to an accident or serious illness concerning a related person, this is an insured event.

Any means of transport that runs regularly on the basis of a timetable and the use of which requires the purchase of a ticket. Private and business jets for which booking confirmation exists are covered. Taxis and hire cars do not qualify as public transport.

If admission to hospital (minimum of one night’s stay) is necessary, if as part of the treatment the physician must prescribe a drug that is available in Switzerland on prescription only, if the physician certifies that the insured person is unfit for work for at least five working days or if the physician certifies in writing that the insured person is unfit to travel.

Cancellation or rebooking costs are the costs charged by the organiser if the booked trip has to be cancelled or postponed to a later date.

Exclusions from the insurance cover include the following:

• Existence of the incident or illness at the time of the booking.
• Implementation of measures and incurring of costs that were not ordered or approved beforehand.
• Cancellation of the trip by the organiser.
• Poor recovery

If an insured event occurs, the insurer (phone +41 22 939 22 11) must be contacted without delay and its consent obtained for any measures to be taken and any assumption of costs for such measures. The emergency call centre is available around the clock.

Send the following documents as soon as possible to help@europassistance.ch:

• Proof that at least 50% of the cost of the trip was paid for with one or more valid Viseca company credit cards (copy of monthly statement)
• Booking confirmation
• Confirmation of cancellation/re-booking
• Proof of the insured event (e.g. detailed medical report with diagnosis)

If you have any questions, contact the insurer on +41 22 939 22 11 or at help@europ-assistance.ch.

No. To benefit from insurance cover, you must pay for at least 50% of the travel costs with a valid Viseca company credit card.

Yes, in the case of cancellations for medical reasons, a detailed medical certificate must be submitted in order to assess your case.

The exact terms and conditions can be found in the General Insurance Conditions for payment cards of business customers of Viseca Card Services SA

Medical travel assistance offers you round-the-clock assistance in case of a medical emergency during your trip abroad. In addition to the organisation of assistance, insured services also include cost coverage for:

• Return trip, return transport or repatriation
• Transfer to a suitable hospital
• Medical treatment abroad (not covered by health or accident insurance)
• Follow-up costs for recovery in country of residence

If you go missing during a trip or need to be physically rescued from an emergency situation, the costs for search, rescue and recovery will be covered.

In an emergency, please call +41 22 939 22 11.

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

The following prerequisites must be met for the insurance to provide cover:

• A medical emergency occurs during the trip abroad.
• The trip is a business trip lasting no more than 120 days.
• The insurer has been contacted immediately and has consented to the measures taken.

The following maximum insured sums apply:

Return trip and repatriation costs

• unlimited: Mastercard Business Card Silver / Gold and Mastercard Corporate Card Silver / Gold

Medical treatment abroad

• CHF 250 000 per event and per person: Mastercard Business Card Silver, Mastercard Corporate Card Silver
• CHF 500 000 per event and per person: Mastercard Business Card Gold, Mastercard Corporate Card Gold

Follow-up costs for recovery in country of residence

• CHF 50 000 per event and per person: Mastercard Business Card Silver / Gold and Mastercard Corporate Card Silver / Gold

Search and rescue costs

• CHF 60 000 per event and per person: Mastercard Business Card Silver / Gold and Mastercard Corporate Card Silver / Gold

The benefits are provided on a subsidiary basis to those provided by the statutory Swiss social insurance schemes (accident insurance, health insurance, etc.) and to any other supplementary insurance policies, provided that these do not fully cover the costs of emergency hospitalisation and emergency outpatient treatment. There is no policy excess.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Business Card Silver / Gold
• Mastercard Corporate Card Silver / Gold

Coverage applies for trips anywhere in the world, with the exception of the country in which the insured person is habitually resident.

The insurance covers serious illness, accident or death of the insured person in addition to the benefits included in the travel interruption insurance.

A business trip is deemed to be a temporary absence from the place of residence or work for business reasons for up to 120 calendar days, excluding commuting. Included in this are no more than 14 free days or days’ holiday, right at the beginning of, during or prior to the end of the business trip.

The following qualify as related persons:

• spouse or partner
• parents
• children, foster children and adoptive children
• siblings
• parents-in-law, son-in-law, daughter-in-law, grandparents and grandchildren of the insured person

Related persons are not insured persons and therefore do not benefit from insurance protection. However, if a trip must be cancelled or interrupted due to an accident or serious illness concerning a related person, this is an insured event.

If admission to hospital (minimum of one night’s stay) is necessary, if as part of the treatment the physician must prescribe a drug that is available in Switzerland on prescription only, if the physician certifies that the insured person is unfit for work for at least five working days or if the physician certifies in writing that the insured person is unfit to travel.

Exclusions from the insurance cover include the following:

• Existence of the incident or illness at the time of the booking.
• Implementation of measures and incurring of costs that were not ordered or approved beforehand. 
• Costs relating to the excess of a pension fund.
• Trips for the purpose of medical treatment.
• Costs for meals, telephone calls, loss of work and other financial losses.

If an insured event occurs, the insurer (phone +41 22 939 22 11) must be contacted without delay and its consent obtained for any measures to be taken and any assumption of costs for such measures. The emergency call centre is available around the clock.

Send the following documents as soon as possible to help@europassistance.ch:

• Booking confirmation
• Invoice for treatment costs
• Health/accident insurance statements with regard to cost contribution

If you have any questions, contact the insurer on +41 22 939 22 11 or at help@europ-assistance.ch.

If the insured person does not have health or accident insurance, the insurer will reimburse up to 50% of the inpatient or outpatient treatment costs provided that these have been incurred due to illness or accident, subject to a maximum of CHF 50 000.

The exact terms and conditions can be found in the General Insurance Conditions for payment cards of business customers of Viseca Card Services SA

Travel accident insurance covers you in case of accidents resulting in disability or death during a business trip.

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

The following prerequisites must be met for the insurance to provide cover:

• The insured person suffers an accident during a business trip that results in disability or death.
• At least 50% of the cost of the business trip was paid for with one or more valid Viseca company credit cards.

The following maximum insured sums apply per event and per person:

• CHF 300 000: Mastercard Business Card Silver, Mastercard Corporate Card Silver
• CHF 600 000: Mastercard Business Card Gold, Mastercard Corporate Card Gold

There is no policy excess.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Business Card Silver / Gold
• Mastercard Corporate Card Silver / Gold

Coverage applies worldwide as well as in Switzerland.

The insurance covers occupational accidents, non-occupational accidents and accident-type bodily injuries which occur during a trip.

For the trip to be covered, at least 50% of all services reserved for the trip must have been paid for with one or more valid Viseca company credit cards.

A business trip is deemed to be a temporary absence from the place of residence or work for business reasons for up to 120 calendar days, excluding commuting. Included in this are no more than 14 free days or days’ holiday, right at the beginning of, during or prior to the end of the business trip.

The insurance cover is subject to the following exclusions, among others:

• Consequences of warlike events
• Participation in riots
• Accidents caused by the intentional commission of a felony or misdemeanour
• Suicide

Please inform the insurer about the event immediately on +41 22 939 22 11 or at travel@europ-assistance.ch

No. To benefit from insurance cover, you must pay for at least 50% of the travel costs with a valid Viseca company credit card.

The exact terms and conditions can be found in the General Insurance Conditions for payment cards of business customers of Viseca Card Services SA

The company is also insured if the corporate credit card happens to be misused by an employee for illegal purposes and this results in a financial loss.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Corporate Card Silver / Gold

Coverage applies worldwide as well as in Switzerland.

Detailed information on the corporate liability waiver and on the insured benefits can be obtained by authorised company representatives from the insurer on +41 22 939 22 11.

What if you’ve hired a car and now it has sustained material damage? Hire car insurance provides compensation for material damage to hired cars caused by theft or damage that is contractually charged to the insured person. If fully comprehensive insurance has been taken out, the resulting excess that is contractually charged to the insured person will be paid up to the agreed sum insured.

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

The insurance covers hired vehicles with a total weight of up to 3 500 kg that are registered for use on public roads.

The following prerequisites must be met for the insurance to provide cover:

• At least 50% of the costs for the rental vehicle were paid for with a valid Viseca credit card.

The following maximum insured sums apply per event:

Collision damage excess waiver on hired vehicles (CDW)

• CHF 10 000: Mastercard Business Card Gold, Mastercard Corporate Card Gold

Fully comprehensive hire car insurance (LDW)

• CHF 100 000: Mastercard Business Card Gold, Mastercard Corporate Card Gold

There is no policy excess.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Business Card Gold
• Mastercard Corporate Card Gold

Coverage applies worldwide as well as in Switzerland.

The following qualify as insured events:

• Material damage to the hired vehicle due to a collision, natural disaster, fire, theft, glass damage, rodents or vandalism, including any loss of use of the hired vehicle which is contractually charged to the insured person
• Theft of the rental car including tyres and accessories
• Unavailability of all registered drivers due to a serious illness or serious accident
• Being locked out of the rental car

For the trip to be covered, at least 50% of all services reserved for the trip must have been paid for with one or more valid Viseca company credit cards.

A business trip is deemed to be a temporary absence from the place of residence or work for business reasons for up to 120 calendar days, excluding commuting. Included in this are no more than 14 free days or days’ holiday, right at the beginning of, during or prior to the end of the business trip.

The insurance cover is subject to the following limitations, among others:

• Damage due to gross negligence on the part of the driver
• Abuse of alcohol, drugs or medicines

In the event of a claim, you are obliged to limit the damage or loss as much as possible. Please contact your car hire company in order to discuss how to proceed and to have a damage report drawn up. In case of a collision, report the accident to the local police as well. You must also report any theft immediately to the local police and file a criminal complaint against the perpetrator(s).

Send the following documents as soon as possible to travel@europassistance.ch:

• Proof that at least 50% of the rental was paid for with one or more valid Viseca company credit cards (copy of monthly statement)
• Booking confirmation
• Damage report from the car hire company
• In case of theft: Police report

If you have any questions, contact the insurer on +41 22 939 22 11 or at travel@europ-assistance.ch.

No. To benefit from insurance cover, you must pay for at least 50% of the vehicle hire with a valid Viseca company credit card.

The exact terms and conditions can be found in the General Insurance Conditions for payment cards of business customers of Viseca Card Services SA

In future, you can start every trip feeling relaxed and secure. With luggage insurance, your luggage is insured against theft, damage or loss during the trip.

Did your luggage ever fail to arrive at the same time and destination as you? Now help is in sight, because when you travel by public transport, if your luggage fails to turn up within four hours of arrival at your holiday destination, your expenses for purchases of essential items of clothing and toiletries are covered.

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

The following prerequisites must be met for the insurance to provide cover:

• The trip is a business trip lasting no more than 120 days.
• At least 50% of the travel costs were paid for with one or more valid Viseca company credit cards.

Also, in case of theft, loss or damage:

• The luggage was damaged, lost or stolen during the trip.
• The incident has been reported to the competent authority.

Also, in case of delay:

• The luggage failed to turn up within four hours of the arrival of the insured person at the destination (excluding the place of residence).
• The delay occurred in connection with travel by public transport or means of transport.

The following maximum insured sums apply per event and per person:

• CHF 2 500: Mastercard Business Card Silver, Mastercard Corporate Card Silver
• CHF 5 000: Mastercard Business Card Gold, Mastercard Corporate Card Gold

There is no policy excess.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Business Card Silver / Gold
• Mastercard Corporate Card Silver / Gold

Coverage applies worldwide as well as in Switzerland.

The insurance covers damage, loss, robbery (theft with the threat or use of force against the insured person), destruction or theft of luggage during the trip. Theft from a private or rental vehicle is excluded. The insurance covers the delay of the luggage for at least four hours after arrival at the destination.

For the trip to be covered, at least 50% of all services reserved for the trip must have been paid for with one or more valid Viseca company credit cards.

A business trip is deemed to be a temporary absence from the place of residence or work for business reasons for up to 120 calendar days, excluding commuting. Included in this are no more than 14 free days or days’ holiday, right at the beginning of, during or prior to the end of the business trip.

Any means of transport that runs regularly on the basis of a timetable and the use of which requires the purchase of a ticket. Private and business jets for which booking confirmation exists are covered. Taxis and hire cars do not qualify as public transport.

The purpose of luggage insurance is to enable you to buy urgent necessities in an emergency situation until your luggage arrives.

Exclusions from the insurance cover include the following:

In case of theft, loss or damage

• Watches and jewellery
• Cash, travel tickets, subscriptions, credit cards and securities
• Smartphones, unless the insured person carries these as personal effects. Electronic devices are limited to a maximum of CHF 2 500 per insured event
• Theft from a private or rented vehicle
• Leaving belongings behind or in a location accessible to anyone and outside the direct personal control of the insured person, even briefly
• Damage arising from the fact that the belongings have been forgotten, left unattended or misplaced

In case of delay

• Luggage arrived late on the return trip to the place of residence.
• Purchases were made after the luggage was delivered.

In the event of a claim, you are obliged to limit the damage or loss as much as possible.

Theft, loss, damage or destruction

Please contact the transport company immediately to discuss how to proceed and to obtain written confirmation. You must also report any theft immediately to the local police and have a police report drawn up. Please also keep damaged items available until the claim is settled. Delay Please contact the transport company immediately to report the delay and have a damage report drawn up.

Send the following documents as soon as possible to travel@europassistance.ch:

• Proof that at least 50% of the cost of the trip was paid for with one or more valid Viseca company credit cards (copy of monthly statement)
• Booking confirmation
• In case of delay and damage: Damage report by the airline and purchase receipts/repair invoice -
• In case of theft: Police report

If you have any questions, contact the insurer on +41 22 939 22 11 or at travel@europ-assistance.ch.

No. To benefit from insurance cover, you must pay for at least 50% of the travel costs with a valid Viseca company credit card.

With the claim report, list all the items (luggage and contents) affected by theft, loss or damage, together with their respective purchase price. Include all purchase receipts with the claim documentation.

In order to reimburse you, the insurer needs to see all the receipts that prove that you purchased the items in question. Therefore, please keep your purchase receipts in a safe place. If they are no longer available, request a copy of the receipt from the place of purchase. Otherwise, the insurer will be unable to provide its services.

Please contact the transport company first. If the transport company does not reimburse you for the entire loss, the insurance benefits of your Viseca company credit card will then come into play.

No, luggage is not covered in the event of theft from a private or rental vehicle. Check any cover with your household or rental car insurance.

No, damage resulting from the fact that things have been forgotten, left behind or misplaced is not insured. Please also note that watches and jewellery are excluded from the insurance cover.

No, leaving or depositing items, even for a short period of time, in a place accesible to anyone outside the direct personal sphere of influence of the insured person is not insured.

When not being carried or used, insured valuables and accessories must be stored in a locked room that is not acccessible to everyone and locked separately (suitcase, cupboard, safe). The type of storage must in any case be appropriate to the value of the item.

The exact terms and conditions can be found in the General Insurance Conditions for payment cards of business customers of Viseca Card Services SA

In an emergency, the specialists who provide our 24-hour assistance on +41 22 939 22 11 organise the help you need, providing the addresses of doctors, hospitals or lawyers and advice in emergency situations abroad.

The insurance covers the cardholder (primary, second, additional and partner cards), their spouse or partner living in the same household and children under the age of 25 who are entitled to support, provided they live in the same household or are resident in Switzerland.

The insurance is included in the annual fee for your Viseca company credit card and does not cause any additional costs.

The insurance is included with the following Viseca company credit cards:

• Mastercard Business Card Silver / Gold
• Mastercard Corporate Card Silver / Gold

Coverage applies worldwide as well as in Switzerland.