Insurance:
Benefits, conditions, coverage

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 or persons travelling with you). 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 cancelled or commenced later due to an insured event.
• The trip is a private trip lasting no more than 90 days (duration of trip unlimited for Visa Platinum).
• At least 60% of the travel costs were paid for with a Viseca credit card or, as a mandatory requirement, with the credit function of a combined payment card.

The following maximum insured sums apply per event:

• CHF 10 000: World Mastercard Silver, Visa Classic  and Visa GKB HCD Card.
• CHF 20 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 40 000: Visa Platinum

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum

The following qualify as insured events:

• Serious illness, serious accident or death of an insured, accompanying or related person.
• Quarantine of an insured or accompanying person before the trip.
• Loss of work of an insured or accompanying person through no fault of their own.
• Impairment of the property of an insured or accompanying person at their place of residence.
• Unforeseen events on the planned travel route. 
• Theft of the travel documents of an insured or accompanying person.
• Delay or breakdown of the means of transport during the outward, onward or return trip.

Insurance cover exists for private trips. The trip begins when the insured person leaves their place of residence, involves at least one overnight stay away from the place of residence, must comprise an outward and return journey and ends when they return to their place of residence. The maximum duration of a trip is 90 days for Silver and Gold cards or unlimited with Visa Platinum. This does not apply to services provided under the medical travel assistance. Here the maximum duration of a trip is always 90 days.

The following qualify as related persons:

• spouse or partner
• fellow residents
• parents and step-parents
• children, step-children, foster children and adoptive children
• siblings
• carers of minors or relatives in need of care
• legal guardians and persons under guardianship
• very close friends or relatives with whom there is extensive contact.

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

An illness or accident resulting in a temporary or permanent incapacity to work or a mandatory inability to travel.

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

Items excluded from the insurance cover include the following:

• Illness or accident events that had already occurred at the time of booking or departing on the trip or events whose occurrence was obvious at the time of booking or departure.
• Events in connection with epidemics and pandemics are only insured in the event of illness of an insured person, a person travelling with the insured person or a close relative.
• Cancellation of the trip by the operator.

In the event of a claim, you are obliged to limit the damage or loss as much as possible. Please contact your travel operator immediately in order to cancel the trip. In case of illness, consult a doctor and request a detailed medical report.

Send the claim form and the following documents to the insurer as soon as possible:

• Detailed medical report with diagnosis or other evidence of the insured event
• Booking confirmation for the trip
• Confirmation of cancellation and statement of cancellation costs

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

Yes. If you cancel your trip for medical reasons, you will have to submit a detailed doctor’s certificate with diagnosis in order for us to assess your case.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

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 or persons travelling with you). 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, extended or cancelled due to an insured event.
• The trip is a private trip lasting no more than 90 days (duration of trip unlimited for Visa Platinum).
• At least 60% of the travel costs were paid for with a Viseca credit card.

The following maximum insured sums apply per event:

• CHF 7 500: World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• CHF 15 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 30 000: Visa Platinum

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum

The following qualify as insured events:

• Serious illness, serious accident or death of an insured, accompanying or related person.
• Quarantine of an insured or accompanying person before the trip.
• Loss of work of an insured or accompanying person through no fault of their own.
• Impairment of the property of an insured or accompanying person at their place of residence.
• Unforeseen events on the planned travel route. 
• Theft of the travel documents of an insured or accompanying person.
• Delay or breakdown of the means of transport during the outward, onward or return trip.

Insurance cover exists for private trips. The trip begins when the insured person leaves their place of residence, involves at least one overnight stay away from the place of residence, must comprise an outward and return journey and ends when they return to their place of residence. The maximum duration of a trip is 90 days for Silver and Gold cards or unlimited with Visa Platinum. This does not apply to services provided under the medical travel assistance. Here the maximum duration of a trip is always 90 days.

The following qualify as related persons:

• spouse or partner
• fellow residents
• parents and step-parents
• children, step-children, foster children and adoptive children
• siblings
• carers of minors or relatives in need of care
• legal guardians and persons under guardianship
• very close friends or relatives with whom there is extensive contact.

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

Any means of transport running regularly on the basis of a timetable and subject to a fee. Taxis, rental cars and cruise ships are not regarded as public transport or means of transport.

An illness or accident resulting in a temporary or permanent incapacity to work or a mandatory inability to travel.

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

Items excluded from the insurance cover include the following:

• Illness or accident events that had already occurred at the time of booking or departing on the trip or events whose occurrence was obvious at the time of booking or departure.
• Events in connection with epidemics and pandemics are only insured in the event of illness of an insured person, a person travelling with the insured person or a close relative.
• Cancellation of the trip by the operator.

Please obtain confirmation of the departure.

Send the claim form and the following documents to the insurer as soon as possible:

• Statements for unused services
• Confirmation of interruption/cancellation cost invoice
• Booking confirmation for the trip
• Evidence of the insured event (e.g. detailed medical report with diagnosis)

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

If you interrupt, abandon or extend your trip for medical reasons, you must submit a detailed doctor’s certificate with diagnosis issued by the local treating physician in order for us to assess your case. A doctor’s certificate from your general practitioner in your place of residence is inadequate for this purpose.

No. You do not receive insurance protection because you did not use your Viseca credit card or the credit function of a combined payment card to pay for at least 60% of the cost of the trip you originally booked.

The exact conditions can be found in the Insurance Conditions for private payment cards 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 not covered by health or accident insurance Contact us in case of emergency on +41 44 283 34 18.

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 insured person’s place of residence is in Switzerland.
• The trip is a private trip lasting no more than 90 days.
• The insurer is contacted immediately and consents to the measures taken.

The following maximum insured sums apply per event for World Mastercard Gold, Visa Gold and Flying Blue World Mastercard:

• Return trip and repatriation: CHF 250 000 for cardholders resident in Switzerland.
• Medical treatment: CHF 250 000 for cardholders resident in Switzerland who are under the age of 81.

The following maximum insured sums apply per event for Visa Platinum:

• Return journey and repatriation: unlimited for cardholders resident in Switzerland.
• Medical treatment: CHF 500 000 for cardholders resident in Switzerland who are under the age of 81.

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 with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The insurance applies to travel anywhere in the world, with the exception of the country in which the insured person is ordinarily resident.

The insurance covers serious illness, accident or death of an insured person during a trip as a supplement to the benefits included in the statutory health insurance and trip interruption insurance.

Insurance cover exists for private trips. The trip begins when the insured person leaves their place of residence, involves at least one overnight stay away from the place of residence, must comprise an outward and return journey and ends when they return to their place of residence. The maximum duration of a trip is 90 days for Silver and Gold cards or unlimited with Visa Platinum. This does not apply to services provided under the medical travel assistance. Here the maximum duration of a trip is always 90 days.

The following qualify as related persons:

• spouse or partner
• fellow residents
• parents and step-parents
• children, step-children, foster children and adoptive children
• siblings
• carers of minors or relatives in need of care
• legal guardians and persons under guardianship
• very close friends or relatives with whom there is extensive contact.

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

Items excluded from the insurance cover include the following:

• Illness or accident events that had already occurred at the time of booking or departing on the trip or events whose occurrence was obvious at the time of booking or departure.
• Measures and costs that were not ordered or approved.
• If, in connection with an epidemic/pandemic, the insured or a fellow traveller travelled despite advice to the contrary from the government in their country of residence or from the local authorities at the destination and falls ill with the corresponding disease.
• Costs for visual aids, medical aids and prostheses.
• Trips for the purpose of medical treatment.
• Policy excesses or excesses for statutory social insurance schemes (health insurance, accident insurance, etc.).

If a loss event occurs, the insurer (phone +41 44 283 34 18) must be contacted without delay to obtain its consent to any measures and assumption of the associated costs. The emergency call centre is available 24 hours a day.

Please submit invoices to the responsible accident or health insurance provider first.

Send the claim form and the following documents to the insurer as soon as possible:

• Health/accident insurance statements with regard to cost contribution.

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

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 the purchase of essential items 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 luggage fails 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 trip is a private trip lasting no more than 90 days (duration of trip unlimited for Visa Platinum).
• At least 60% of the travel costs were paid for with a Viseca credit card.

The following maximum insured sum applies per event:

• CHF 500: World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• CHF 1 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 2 000: Visa Platinum.

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The insurance covers the arrival, delayed by at least four hours, of the insured person’s luggage at the destination (excluding the place of residence). The luggage must have been transported using public transport or means of transport.

Insurance cover exists for private trips. The trip begins when the insured person leaves their place of residence, involves at least one overnight stay away from the place of residence, must comprise an outward and return journey and ends when they return to their place of residence. The maximum duration of a trip is 90 days for Silver and Gold cards or unlimited with Visa Platinum. This does not apply to services provided under the medical travel assistance. Here the maximum duration of a trip is always 90 days.

Any means of transport running regularly on the basis of a timetable and subject to a fee. Taxis, rental cars and cruise ships are not regarded as public transport or means of transport.

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

Items excluded from the insurance cover include the following:

• Luggage arriving late on the return trip to the place of residence.
• Purchases made after the luggage has been delivered.
• Delays due to confiscation of the luggage by the authorities.
• Delays and costs resulting from excess luggage when travelling by air.

In the event of a claim, you are obliged to limit the damage or loss as much as possible. Please contact the transport company immediately to report the delay and have a damage report drawn up. Obtain the necessary confirmations and evidence, and send us the complete claim documentation.

Send the claim form and the following documents to the insurer as soon as possible:

• Evidence of delay (also known as property irregularity report/PIR)
• Purchase receipts for replacement purchases made

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

Please contact the transport company first. If they do not reimburse you for the entire damage, the insurance benefits of your Viseca card will take effect.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

Transport accident insurance offers compensation in case of accidents resulting in disability or death that you could experience as a passenger on an insured means of transportation (e.g. bus, train, taxi, plane, ship).

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 the following means of transport:

• public transport or means of transport
• rental bicycle
• rental motorised bicycle
• rental motorcycle
• rental car (passenger car, minibus, motorhome, camper van)
• rental boat (with sail/engine)
• helicopter
• boat
• ski lift
• taxi

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

• The insured person suffers an accident as a passenger in an insured means of transportation, resulting in disability or death.
• At least 60% of the transport costs were paid for with a Viseca credit card.

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

• CHF 300 000: World Mastercard Silver, Visa Classic, Visa GKB HCD Card and Visa Collect Card.
• CHF 500 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 1 000 000: Visa Platinum

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum
• Visa Collect Card

The insurance covers accidents as a passenger in an insured means of transport (including boarding and disembarking) resulting in disability or death.

tems excluded from the insurance cover include the following:

• Breach of official regulations
• Lack of official identity documents and permits
• Abuse of alcohol, drugs or medicines
• Suicide or attempted suicide
• Participation in strikes or unrest
• Consequences of acts of war
• Grossly negligent or deliberate actions/omissions
• Commission of crimes

Please inform the insurer about the event immediately.

Send the claim form and the following documents to the insurer as soon as possible:

• Booking confirmation for the means of transport
• Evidence of disability or death certificate

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a Viseca credit card or, as a mandatory requirement, the credit function of a combined payment card to pay for at least 60% of the transport costs.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

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.

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:

• During the trip or while using public transport or means of transport, the insured person goes missing or needs to be physically rescued from an emergency situation.

The following maximum insured sum applies per event and per person:

• CHF 60 000: World Mastercard Silver, Visa Classic, Visa GKB HCD Card, World Mastercard Gold, Visa Gold, Flying Blue World Mastercard, Visa Platinum, Kiwanis Mastercard Gold and Visa Collect Card.

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum
• Visa Collect Card

The insurance covers search, rescue and recovery measures that are caused by illness or accident and are unforeseen.

Items excluded from the insurance cover include the following:

• Abuse of alcohol, drugs or medicines
• Suicide or attempted suicide
• Participation in strikes or unrest
• Consequences of acts of war
• Grossly negligent or deliberate actions/omissions
• Commission of crimes

Please submit invoices to the responsible accident or health insurance provider first..

Send the claim form and the following documents to the insurer as soon as possible:

• Invoice for rescue measures
• Health/accident insurance statements with regard to cost contribution

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

• The insured person must be named in the rental agreement as a registered driver and must be at least 21 years of age and no older than 80 years of age.
• The rental period is no longer than 60 days.
• At least 60% of the costs for the rental vehicle were paid for with a valid Viseca credit card.

The following maximum insured sum applies per event:

• CHF 100 000: Visa Platinum

There is no policy excess.

• Visa Platinum

An illness or accident resulting in a temporary or permanent incapacity to work or a mandatory inability to travel.

Exclusions from the insurance cover include the following:

• Damage caused by gross negligence on the part of the driver.
• Abuse of alcohol, drugs or medicines.
• Damage to vintage cars that are over 20 years old or have not been manufactured for at least 10 years.
• Confiscation, requisition, damage or destruction by a government authority.
• Damage resulting from failure of the insured person to observe the maintenance and operating instructions supplied with the rental car.
• Wear and tear.
• Damage resulting from a breach of the terms and conditions of the rental agreement.

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. Report the accident to the local police as well. Send us the complete claim documentation.

Send the claim form and the following documents to the insurer as soon as possible:

• Damage report from the car hire company
• Final account from the car hire company
• Acceptance/return record
• Police report

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a Viseca credit card or, as a mandatory requirement, the credit function of a combined payment card to pay for at least 60% of the vehicle hire.

The exact conditions can be found in the Insurance Conditions for private payment cards 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.

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 luggage was damaged, destroyed, lost or stolen during the trip.
• The trip is a private trip lasting no more than 90 days (duration of trip unlimited for Visa Platinum).
• At least 60% of the travel costs were paid for with a Viseca credit card.

The following maximum insured sum applies per event:

• CHF 5 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 10 000: Visa Platinum

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The insurance covers damage, loss, robbery (theft with the threat or use of violence against the insured person), destruction or theft of the luggage during the trip.

Insurance cover exists for private trips. The trip begins when the insured person leaves their place of residence, involves at least one overnight stay away from the place of residence, must comprise an outward and return journey and ends when they return to their place of residence. The maximum duration of a trip is 90 days for Silver and Gold cards or unlimited with Visa Platinum. This does not apply to services provided under the medical travel assistance. Here the maximum duration of a trip is always 90 days.

Items excluded from the insurance cover include the following:

• Watches and jewellery.
• Cash, travel tickets, subscriptions, credit cards and securities.
• Electronic devices are limited to a maximum of CHF 2 000 per insured event.
• Theft from an unlocked motor vehicle.
• Leaving belongings behind or outside the direct personal control of the insured person.
• Damage arising from the fact that the belongings have been forgotten, left unattended or misplaced.

In the event of a claim, you are obliged to limit the damage or loss as much as possible. In the event of theft, loss, damage or destruction to/of your luggage during carriage via public transport, please contact the carrier 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.

Send the claim form and the following documents to the insurer as soon as possible:

• The airline’s response to the refund request
• Police report
• List of the affected items with purchase receipts
• Repair invoice or confirmation of total loss

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

List in the claim form all items (baggage and contents) with their respective purchase price which have been affected by theft, loss or damage. Enclose all purchase receipts with the claim documents.

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 they do not reimburse you for the entire damage, the insurance benefits of your Viseca card will take effect.

Yes, provided that the vehicle was locked.

No, damage resulting from the fact that the items have been forgotten, left lying around or misplaced is not insured. Please also note that watches and jewelry are excluded from insurance coverage.

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

Insured valuables including accessories must be stored under separate lock and key (suitcase, cabinet, safe) in a locked room not accessible to the general public when they are not being carried or used. The type of storage must in any case be appropriate to the value of the item.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

Have you ever hired a car and felt uncertain about what kind of insurance you really need for it? Comprehensive hire car insurance typically covers vehicle damage and theft. In the event of a claim, you usually still have to bear the excess. The collision damage excess waiver on hired vehicles covers the excess in case of vehicle damage or theft and is supplementary to the comprehensive insurance.

The insurance covers hired vehicles with a total weight of up to 3 500 kg.

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

• An excess is charged by the hire company due to damage that occurred to the rental vehicle.
• At least 60% of the costs for the rental vehicle were paid for with a valid Viseca credit card.

The following maximum insured sum applies per event:

• CHF 10 000: World Mastercard Gold, Visa Gold, Flying Blue World Mastercard and Visa Platinum

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The insurance covers the contractually agreed excess incurred due to damage to the rental vehicle or due to theft of the rental vehicle during the rental period.

The deductible is the amount that must be paid by the renter of a vehicle in the event of a claim.

Items excluded from the insurance cover include the following:

• Damage for which the insurance provider does not require an excess.
• Damage caused by gross negligence on the part of the driver.
• Abuse of alcohol, drugs or medicines.
• Damage to caravans and all types of trailers.
• Damage to taxis, vehicles used as part of a carsharing scheme and driving school vehicles.

In the event of a claim, you are obliged to limit the damage or loss as much as possible. Please contact your car hire firm in order to discuss how to proceed and have a damage report drawn up. Send us the complete claim documentation.

Send the claim form and the following documents to the insurer as soon as possible:

• Damage report from the car hire company
• Final account from the car hire company
• Acceptance/return record

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a Viseca credit card or, as a mandatory requirement, the credit function of a combined payment card to pay for at least 60% of the vehicle hire.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

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.

• Account, card or mobile device must belong to the insured person.
• A financial loss has occurred due to the theft of personal access data or unlawful access to, or misuse of, means of payment and mobile devices belonging to the insured person.

The following maximum insured sum applies per event and per person:

• CHF 5 000: World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• CHF 10 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 20 000: Visa Platinum.

There is no policy excess.

The service is free for Platinum cardholders. 

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The insurance covers financial loss caused by third parties as a result of:

• unlawful access to a private Swiss postal/bank or fintech account
• misuse of a payment function (e.g. physical or virtual cards)
• misuse of a mobile device (e.g. smartphone or tablet) resulting from the theft of personal access data.

Misuse is when the third party is neither entitled to perform the action nor commissioned or authorised to do so by the insured person.

Exclusions from the insurance cover include the following:

• The insured person has allowed the time period for reviewing and identifying an unauthorised payment to lapse without taking any action during that time.
• Damage resulting from failure by the insured person to notify the relevant company (e.g. credit card company, mobile phone network provider) immediately.
• Losses arising indirectly from misuse, e.g. lost profit or loss of interest.
• Losses for which a liable company (account-holding financial institution, card contracting partner or network provider) has not abrogated liability in writing.
• Damage arising as a result of cards, mobile devices, identification or legitimation data, etc. being stolen or coming into the possession of, or to the knowledge of, a third party prior to the inception of insurance cover.

In the event of a claim, you are obliged to limit the damage or loss as much as possible. Please inform the police and the relevant financial institution immediately. Obtain a police report and a written declaration on compensation for financial losses from the financial institution concerned.

Send the claim form and the following documents to the insurer as soon as possible:

• Police report 
• Evidence of compensation from the financial institution concerned
• Account/card statements showing the improper charges

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

What if you have been deeply insulted on a social media platform, or a photo of you or your child can be found on the internet without your consent? If you happen to become the victim of an internet crime, online legal protection will help you defend your interests. Online legal protection will assert your claims and cover lawyers’ fees and legal costs.

In the event of a claim, please contact +41 44 283 38 05.

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 insured person has been the victim of a computer or Internet crime or has suffered a breach of privacy or copyright on the Internet.

• CHF 5 000: World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• CHF 10 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 20 000: Visa Platinum.

The service is free for Platinum cardholders. 

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The insurance covers the insured person as the victim of:

• computer and internet crimes such as credit card misuse, phishing, hacking and skimming.
• identity theft due to misuse of personal data relating to a natural person by third parties.
• infringement of personality rights on the internet if privacy is affected as a result of a computer or internet crime. A violation of personality rights is defined under Swiss law as a victim of defamation, e.g. cyberbullying, libel or slander.
• copyright infringements in connection with websites and social networks.

Exclusions from the insurance cover include the following:

• Cases against Allianz Assistance, Dextra, their employees or authorised representatives.
• Cases relating to self-employment.
• Cases where a liable third party or a liability insurer is obliged to assume the costs.
• Cases relating to the collection of payment for uncontested claims or relating to taxes, fees, charges and customs matters.
• Cases relating to trading in securities and works of art, as well as to speculative and investment transactions.

If an insured event occurs, the insurer (phone +41 44 283 34 05) must be contacted without delay and its consent obtained for any legal protection measures to be taken. No legal representatives may be engaged, no proceedings initiated, no settlements concluded and no legal measures undertaken without the prior approval of the insurer.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

Have you been looking forward to an event, which you’re now unexpectedly unable to attend? With ticket insurance, you are insured against unforeseen occurrences such as illness or accident. If you are unable to attend the event, the ticket price paid will be refunded to you.

• At least 60% of the price of the insured ticket was paid for with a Viseca credit card and the ticket was purchased for private purposes.
• The booked event cannot be attended due to an insured event.

• CHF 1 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 2 000: Visa Platinum.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The following qualify as insured events:

• Serious illness, serious accident or death of the ticket holder or a related person.
• Quarantine of the ticket holder.
• Failure to arrive due to the delay or failure of the public transport or means of transport, or due to vehicle failure resulting from a breakdown or accident.
• Receipt by the ticket holder of an official summons to appear in court.
• Postponement of the event, preventing the ticket holder from attending due to military service and civil protection, a previously booked holiday, a business event or an invitation to a wedding.

The following qualify as related persons:

• spouse or partner
• fellow residents
• parents and step-parents
• children, step-children, foster children and adoptive children
• siblings
• carers of minors or relatives in need of care
• legal guardians and persons under guardianship
• very close friends or relatives with whom there is extensive contact.

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

Any means of transport running regularly on the basis of a timetable and subject to a fee. Taxis, rental cars and cruise ships are not regarded as public transport or means of transport.

An illness or accident resulting in a temporary or permanent incapacity to work or a mandatory inability to travel.

Exclusions from the insurance cover include the following:

• The organiser is unable to deliver its contractual services either fully or in part.
• The event has been cancelled by the organiser.
• The organiser is obliged according to legal or contractual provisions to reimburse the customer for services not provided.

In case of illness, please consult a medical specialist and have a detailed medical report drawn up.

Send the claim form and the following documents to the insurer as soon as possible:

• Booking confirmation for the event
• In the event of postponement: confirmation of postponement

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

What if your mobile phone suddenly breaks just after the warranty period expires? If it is worth at least CHF 100, the warranty cover will be extended automatically at no extra cost. Under the warranty, replacement and repair costs are reimbursed.

The insurance covers new devices for private purposes that are worth at least CHF 100 and belong to one of the following categories:

• Electrical household appliances: washing machines, tumble dryers, dishwashers, stoves, ovens, microwaves, food processors, refrigerators, vacuum cleaners, irons, toasters, electric toothbrushes, electric shavers, hair dryers, etc.
• Consumer electronics: televisions, projectors, DVD/Blu-ray players, home cinema systems, Hi-Fi systems, MP3 players, cameras, video cameras, GPS devices, games consoles, etc.
• Electrical communication devices: mobile phones, tablets, wearables, computers, notebooks, printers, copiers, fax machines, scanners, external hard disks, etc.

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

• At least 60% of the price of the insured device was paid with a Viseca credit card.
• The insured device is not more than five years old in the event of a claim.
• The insured device has an expired manufacturer’s or dealer’s warranty.
• The insured device is intended for private purposes.
• The insured device was purchased from a merchant based in Switzerland or its neighbouring countries (Germany, France, the Principality of Liechtenstein, Italy or Austria) or from an online shop aimed at Switzerland (e.g. “.ch” Internet address and/or payment in CHF).
• The value of the device is at least CHF 100.

The following maximum insured sums apply per event:

• CHF 2 000 (12-month extended warranty): World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• CHF 5 000 (24-month extended warranty): World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 7 000 (36-month extended warranty): Visa Platinum.

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum

The extended warranty applies to new devices purchased from a commercial supplier (e.g. retail store, mail-order business, online supplier) based in Switzerland or its neighbouring countries (Germany, France, the Principality of Liechtenstein, Italy and Austria) or from an online shop aimed at Switzerland (e.g. “.ch” Internet address and/or payment in CHF). The legal notice on the website will provide information on where the vendor is based.

The insurance covers material and manufacturing defects in an insured device or accessory which would have been covered by the manufacturer’s warranty.

The extended warranty commences upon expiry of the included manufacturer’s or dealer’s warranty and lasts for

• 12 months for World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• 24 months for World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• 36 months for Visa Platinum.

Restrictions on insurance coverage include, but are not limited to, the following:

• Devices that do not have a manufacturer's warranty or dealer's warranty.
• Devices that are used for professional or commercial purposes.
• Defects or malfunctions that are not accepted by the manufacturer under the original manufacturer's warranty.
• Replaceable equipment components with a limited service life that must be replaced on a regular basis (e.g. fuses, batteries, data storage media, computer mice, remote controls, joysticks, etc.).

Send the claim form and the following documents to the insurer as soon as possible:

• Purchase receipt
• Repair invoice or confirmation of total loss

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

You’re thrilled with the digital camera you just bought yourself. Excited to try it out, you accidentally drop it and it breaks. No problem! If your purchases are worth at least CHF 50, they are insured for 30 days after purchase against theft or damage.

The insurance covers movable items for private purposes that are worth at least CHF 50.

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

• Within 30 days of the purchase, the insured item has been stolen, destroyed or damaged or, in the case of an online purchase, either delivered incorrectly or not delivered at all or not accepted if it has been returned.
• At least 60% of the price of the insured item was paid with a Viseca credit card.
• The insured item is intended for private purposes.
• The value of the item is at least CHF 50.

The following maximum insured sum applies per event:

• CHF 1 000: World Mastercard Silver, Visa Classic and Visa GKB HCD Card.
• CHF 2 000: World Mastercard Gold, Visa Gold and Flying Blue World Mastercard.
• CHF 5 000: Visa Platinum.

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Gold
• Visa Gold
• Flying Blue World Mastercard
• Visa Platinum

The insurance covers robbery (theft with the threat or use of violence against the insured person), theft, destruction or damage, non-delivery or incorrect delivery in the case of online purchases, and non-acceptance of returns in the case of online purchases in respect of an insured item.

Restrictions on insurance coverage include, but are not limited to:

• Cash, checks, traveler's checks, all other securities and tickets.
• Animals and plants as well as motor vehicles.
• Consumer goods and perishable goods with a limited life, e.g. foodstuffs, luxury foodstuffs, cosmetics, etc.
• Jewelry and watches.
• Second-hand goods.
• Normal wear and tear.
• Manufacturing or material defects.
• Operator error.

Please 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.

Send the claim form and the following documents to the insurer as soon as possible:

• List of the affected items with purchase receipts
• Repair invoice or confirmation of total loss
• The vendor’s response to the refund request
• Police report 

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

Yes, if you accidentally drop an item on the floor, it is covered for the first 30 days from purchase. The insurance does not cover wilful destruction.

No, purchase insurance benefits apply only in the event of robbery, theft, destruction or damage.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

Did you find your newly purchased television at a better price at another Swiss vendor up to 14 days later? The price difference will be reimbursed to you if it is at least CHF 30.

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

• At least 60% of the price of the insured item was paid with a credit card / prepaid card from Viseca.
• The insured item is intended for private purposes.
• Both the purchased item and its cheaper equivalent originate from a merchant based in Switzerland (e.g. retail store, mail-order business, online supplier).
• The identical, cheaper equivalent can be proven to have been discovered within 14 days of the purchase.
• The price difference is at least CHF 30.

The following maximum insured sums apply per event:

• CHF 1 000: Prepaid Mastercard and Prepaid Visa
• CHF 2 000: World Mastercard Silver/Gold, Visa Classic/Gold, Visa GKB HCD Card and Flying Blue World Mastercard.
• CHF 4 000: Visa Platinum

There is no policy excess.

The insurance is included with the following Viseca credit cards and combined payment cards with credit function:

• Prepaid Mastercard/Visa
• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum

The Best Price Guarantee applies to all insured items purchased from a dealer (e.g. retail store, mail order company, Internet provider) based in Switzerland. Please note that websites with domain ".ch" do not necessarily have to belong to a company based in Switzerland. The imprint of the website will give you information about the registered office of the provider.

The insurance covers the price difference between the price actually paid and the demonstrably lower price offer if the latter was found within 14 days of the date of purchase. The purchase date is the transaction date on the prepaid/credit card.

Items excluded from the insurance cover include the following:

• Items that are only offered to a restricted group of buyers (e.g. student or employee shops).
• Items from business liquidations.
• Mobile phones.
• Medical aids (e.g. glasses, medical devices, prostheses, medical accessories).
• Used items and second-hand goods.
• Motor vehicles.

To claim the difference in price, check whether the equivalent item really is identical, offering the same scope of performance (terms of delivery, assembly, duration of warranty, size, colour, etc.) and originating from a vendor based in Switzerland. Obtain the necessary confirmations and evidence, and send us the complete claim documentation.

Send the claim form and the following documents to the insurer as soon as possible:

• Dated evidence of price difference
• Purchase receipt with product description 

If you have any questions, contact the insurer by phone on +41 44 283 38 05.

No. To benefit from insurance cover, you must use a valid Viseca credit card or, as a mandatory requirement, the credit function of a valid combined payment card to pay for at least 60% of the travel costs, item, device or ticket.

Yes, the comparison offer must be for the same item. The services included in the offer (for example, delivery conditions, assembly, warranty period, size, color, etc.) must also be identical.

No, the comparison offer must also be accessible to everyone in order to create the identical conditions for the price comparison. Products that are only accessible to a limited group of people cannot be considered in the comparison.

The cheaper equivalent item must have been available no later than 14 days after you made your original purchase. Please bear in mind that you must include corresponding (officially date-marked) proof of this when submitting the relevant documentation. The purchase date is the transaction date on your Viseca card.

No, the price difference will be refunded only if the cheaper comparative offer is established up to 14 days after the purchase.

If a brochure is not available, you can either request confirmation from the retailer or print out a website screenshot showing the cheaper offer (incl. desktop date). Please note: in all cases documentary evidence must be provided of the identity of the product, i.e. the exact name (e.g. SONY CMR-250), and of the cost, and the offer must be date-marked.

Yes, the price protection insurance also applies to price promotions, discounts and sales, etc. but not to winding-up sales or items that are only offered (not publicly) to a restricted group of buyers.

Yes, as long as at least 60% of the purchase price was paid with a credit card / prepaid card or, as a mandatory requirement, with the credit/prepaid function of a combined payment card from Viseca.

Yes, provided it is a commercial provider based in Switzerland and an offer in/for Switzerland.

Yes, even in this case the best price guarantee is valid.

No, the best price guarantee is limited to offers from dealers with company headquarters in Switzerland.

Yes, only if possible credit card fees are taken into account for both the purchased and the cheaper comparison offer, the same conditions prevail for a comparison. Please note that these fees are charged by the merchants and not by Viseca. We have no influence on the pricing policy of the merchants.

No, the insurance protection does not apply to mobile phones.

No, only movable items purchased for personal use are insured. Services are excluded from insurance coverage.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

In an emergency, the specialists who provide our 24-hour assistance on +41 44 283 34 18 organise the help you need, providing the addresses of doctors, hospitals or lawyers and advice in emergency situations abroad.

For all cards except prepaid.

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 with the following Viseca credit cards and combined payment cards with credit function:

• World Mastercard Silver/Gold
• Visa Classic/Gold
• Visa GKB HCD Card
• Flying Blue World Mastercard
• Visa Platinum
• Visa Collect Card

• worldwide as well as in Switzerland for the travel hotline (emergency call centre)
• outside the country of residence of the insured person for an advance on costs in the event of hospitalisation or criminal prosecution or for a cash advance
• at the permanent place of residence of the insured person for home care

To use the services listed, the insured person can call the following number at any time around the clock, on 365 days of the year, both before and during the trip: +41 44 283 34 18.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

What if you are driving abroad in your private vehicle and you break down or even have an accident? With vehicle assistance, Platinum cardholders can receive breakdown assistance on the spot and a contribution towards various costs for vehicle recovery, overnight accommodation or return travel.

In the event of a claim, please contact +41 44 283 34 18.

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 insured person is the driver of the private motor vehicle used.

• Visa Platinum

The insurance covers the following in connection with a vehicle driven by the insured person: collision, breakdown, natural hazards, fire, vandalism, unavailability of the driver and theft.

Any means of transport running regularly on the basis of a timetable and subject to a fee. Taxis, rental cars and cruise ships are not regarded as public transport or means of transport.

Exclusions from the insurance cover include the following:

• Measures and costs that have not been requested or approved by the insurer.
• The vehicle is in a condition that does not meet road traffic regulations at the time of the incident, or maintenance work recommended by the manufacturer was not carried out.
• Breakdowns and accidents that occur on non-public or non-official roads, in particular during off-road trips.
• Commercially used vehicles or rental cars.
• Damage to the vehicle and any cargo, as well as any consequential costs.
• The return of animals.
• The cost of repairs and spare parts.
• The insurer is not liable for damage caused by a service provider it has commissioned.

If an insured event occurs, the insurer (phone +41 44 283 34 18) 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 claim form and the following documents to the insurer as soon as possible:

• Receipts for additional costs
• Police report, medical certificate – if applicable
• Booking confirmation for the trip

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

What if something happens to your home while you’re away travelling? With home assistance, Platinum cardholders can request immediate help on the spot in the form of an advance on costs to deal with damage or loss due to a break-in, fire, natural hazard or water and glass breakage at their home in their place of residence.

In the event of a claim, please contact +41 44 283 34 18.

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 insured person organises access to the residential property in their place of residence and arranges a contact person.

• Visa Platinum

The insurance covers damage or loss due to a fire, natural hazard, break-in or water and glass breakage as well as the loss or theft of house keys provided that this affects the residential property in the place of residence of the insured person during a trip.

Exclusions from the insurance cover include the following:

• Measures that have not been organised by the insurer.
• Damage due to the neglect or gradual deterioration of the residential property as a result of a lack of maintenance by the insured person.
• Walls, gates, hedges, fences, outbuildings, sheds, free-standing garages or anything else that is outside the boundaries of the apartment or house/property.
• Installations that are the responsibility of the relevant water, gas and electricity suppliers, or installations in an apartment building that are not the sole responsibility of the policyholder.
• The insurer is not liable for damage caused by a service provider it has commissioned.

If an insured event occurs, the insurer (phone +41 44 283 34 18) must be contacted without delay and its consent obtained for any assistance measures to be taken. The emergency call centre is available around the clock.

Send the claim form and the following documents to the insurer as soon as possible:

• Evidence of damage to/in the residential property
• Booking confirmation for the trip
• Receipts for costs 

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA

Do you have a special request? The Concierge Service will organise almost anything for Platinum cardholders, e.g. tickets, restaurant reservations, gifts and flowers. The Concierge Service is at your disposal around the clock on +41 43 843 11 34.

The service is free for Platinum cardholders. 

Illegal, indecent, immoral or unethical services will not be processed by the Concierge Service provider.

The exact conditions can be found in the Insurance Conditions for private payment cards of Viseca Card Services SA