Travel insurance

Depending on the agreement, the insurance covers the individual or all persons living in the same household.

• Individual: The policyholder is insured
• All persons living in the same household: The insurance covers the policyholder and all persons who live with the policyholder in the same household or who regularly return to the policyholder's household as weekly or weekend residents. Further information on insurance cover can be found in the GCI in our downloads.

Relax Assistance travel insurance is a package and includes the following modules as standard: Cancellation costs, travel protection, replacement trip and travel legal protection abroad. At Zurich, travel cancellation insurance is called cancellation costs insurance and can be taken out as an individual module or as part of the Relax Assistance Travel Insurance package.

Yes, for insurance policies concluded following the issue of the latest version of the GCI in June 2019.

You can also take out travel insurance after you have booked your trip and are insured if the insured event has not begun before the conclusion of the contract.

No, unless

- an insured person's contract of employment is terminated unexpectedly by the employer (culpable termination is not insured);
- an insured person, who is registered with the regional employment office (RAV) as unemployed after booking a travel arrangements becomes unable to commence travel due to new unforeseen needs to comply with commitments and obligations set forth by the RAV office, or in cases where the insured person accepts a new contract of employment and as direct consequence is unable to commence the previously booked travel;

The insurance covers luggage which the insured person has with them for personal and private use on a journey or which has been handed over to a transportation company for transport to the travel destination, up to the sum insured listed in the policy.

Damage to luggage

The insurance covers damage to luggage as a result of theft or sudden, unforeseeable damage, destruction or loss. Parachutes, paragliders, hang gliders and kitesurfing equipment are only insured against theft or loss.

Delayed luggage

The insurance covers the costs for absolutely essential acquisitions of replacement items up to 30% of the sum insured, if the luggage handed over to a carrier for transportation is delayed.

Yes, whereby the prerequisite is that no warning has been issued before travel by the FDFA or FOPH.

Yes, insofar as this pertains toattendance of one-time events like concerts or theater performances (courses excluded) with a ticket price per person of CHF 100 or more (even without a booked travel arrangement).

An insured person is considered seriously ill when such is stated in a doctor's certificate, which must be available for inspection in all cases.

Yes, repatriation in the event of serious illness or accident on the part of the insured person to their fixed residence in Switzerland or the Principality of Liechtenstein and/or the respective local hospital is covered.

Furthermore, the costs for the burial and transportation of the body of the insured to their residence in Switzerland or the Principality of Liechtenstein are likewise covered.

No, this is an annual policy, which as a rule is priced more favorably than if you were to take out insurance for each trip individually. Plus: the insurance coverage of our annual insurance policy naturally applies to weekend excursions too.

Yes, for acts of God (sudden natural disasters including floods, inundation, storms [= winds in excess of 75 km/h], hail, avalanches, snow pressure, landslides, rock fall or earthquakes) as with other natural disasters.

The insurance applies to occurrences of loss within Switzerland and the Principality of Liechtenstein, European countries as well as countries bordering the Mediterranean and the island states of the Mediterranean. For transport across the sea the insurance coverage will continue uninterrupted, providing the point of departure and destination are within the region of validity.

However, the insurance does not apply in the following countries: Belarus, Moldavia, the Ukraine, the Russian Federation, Georgia, Armenia, Azerbaijan Kazakhstan, Egypt, Algeria, Lebanon, Libya and Syria.

Occurrences of loss or damage pertaining to rental vehicles are not covered.