Glossar – Insurance terms from A to Z

If you cannot embark on the trip, contractually owed cancellation costs incurred for an insured reason will be reimbursed. Cancellation insurance also includes the following benefits:

• Reimbursement of surcharges for single occupancy or reimbursement of the pro rata costs for the double room in the event of partial cancellation

If the start of your trip is delayed:

• Reimbursement of the additional costs of outbound travel
• Reimbursement for travel services that were not used

If you rebook your trip:

• Reimbursement of rebooking costs if the trip is rebooked for an insured reason
• Reimbursement of rebooking costs of up to CHF 30 if the trip is rebooked up to 42 days before it starts, without the need for an insured reason

Insured reasons:

• Illness, accident, death, pregnancy
• Intolerance to vaccinations
• Fracture of prostheses and loosening of implanted joints
• Organ donation/receipt
• Unexpected acute aggravation of a chronic illness
• Significant damage to the property of the insured person (at least CHF 2,500)
• Unexpected summons in court
• Adoption of a minor
• Loss of job through no fault of the insured person as a result of termination
• Re-employment after unemployment
• Change of job
• Short-time working due to the economic situation
• Resit of a failed examination at a school/university
• Transport delay
• Official travel warning
• Theft of the passport or identity card if this makes it impossible to commence the trip
• Being called up for military/community service
• Divorce petition or dissolution of cohabitation
• Disaster relief services provided as a member of the fire brigade or rescue services
• Private vehicle is not roadworthy due to an accident or breakdown

The cancellation insurance is part of both the Annual insurance Travel 365 and the Single-trip insurance Travel.

A claim or insured event refers to a scenario in which the insured risk materialises, triggering the insurer’s benefit obligation. This can include, for example, an unexpected and serious illness prior to the trip in cases involving travel cancellation insurance, but also the loss of luggage in cases involving luggage insurance.

If you want to report a claim, please refer to the information on our website. You can find tips there for what to do in the event of a claim. We also provide you with further information on what to do in an emergency.

For products featuring cancellation insurance (travel cancellation insurance), there is a conclusion period of 30 days after booking your trip. Insurance for foreign-national visitors can be taken out up to five days after they arrive in Switzerland. All other travel insurance policies can be taken out at any time before you embark on the trip (at the same time as, or after, the travel booking).

The insurance cover for cancellation insurance starts upon delivery of the insurance policy. For all other types of insurance, the insurance cover also starts upon delivery of the insurance policy, but at the earliest upon commencement of the insured trip.