Cookie Disclaimer

Helvetia uses cookies to offer you the best possible service and to be able to provide information and quotations. By using our website you are stating your agreement with this. Further information on data protection and cookies.

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Legal information

01.07.2017; Copyright by Helvetia Insurance

Legal information

When you visit this website you must accept the following provisions and conditions without reservation.


Our websites contain a lot of information about our company, the services we provide and our products. This information, these services and these products do not constitute an offer or a quotation as defined by the law or a recommendation for the conclusion of any type of legal transaction.

Helvetia accepts no liability (either expressly or tacitly) for the accuracy, completeness and topicality of the information and opinions published on its websites. In particular, Helvetia is not obliged to remove out–of–date information from its website or to expressly identify said information as no longer relevant. The information on the websites does not constitute decision–making advice for business, legal, tax or other questions.

Intellectual property rights and copyright

All the contents of the Helvetia websites are protected by copyright. The information contained on the websites is provided by us exclusively for private consumption and for the purposes of information and may not be downloaded for commercial purposes. The full or partial reproduction, transmission (electronic or in any other form), modification, linking or use of the Helvetia websites for public or commercial purposes without the prior written permission of Helvetia is prohibited. When downloading and printing individual pages or parts thereof, copyright symbols and other legally protected signs must be preserved and reproduced.

Helvetia offers no guarantee or assurance that your use of the material displayed on its sites will not violate the rights of third parties who are not part of or affiliated to Helvetia Group.

Express permission must always be obtained in advance before you create a link from a third–party website to a Helvetia website.

Further legal disclaimers

Helvetia cannot guarantee that information, software, documents and other information are free from viruses or other harmful components.

Under no circumstances is Helvetia liable for any direct or indirect damage or consequential damage that arises in any way whatsoever in connection with the use of the internet and its websites. This legal disclaimer also includes all failures of the internet of any kind whatsoever and misuse by third parties. In particular, Helvetia refers to the dangers caused by viruses and hacking attempts.

You can access other websites that are linked to the Helvetia websites. Helvetia is not responsible for the contents or availability of such external websites nor does it endorse, support or confirm the information that is contained on such websites.


The Helvetia websites are not addressed to persons who are not allowed to access these websites under the laws that apply to them.

Unless stated otherwise, the product information published and the products offered by Helvetia Insurance Switzerland (Helvetia Swiss Insurance Company Ltd, St. Gallen and Helvetia Swiss Life Insurance Company Ltd, Basel) on the internet are only valid for persons and companies resident or domiciled in Switzerland and the Principality of Liechtenstein.


Helvetia reserves the right to amend its websites at any time and without prior notification.

Applicable law and legal venue

All legal relationships that arise from accessing the Helvetia websites are subject to Swiss law – insofar as the companies of Helvetia within Switzerland are affected. The exclusive legal venue is either St.Gallen or Basel. If other companies in the Helvetia Group are affected, the law of the domicile of the company affected shall apply. In this case the legal venue shall be the domicile of the company affected.

Data protection provisions

The recording, use and security of your data are explained in these data protection provisions. Your access to our websites and your user rights are bound by the following provisions and conditions. When you visit our websites you must accept these data protection provisions without reservation. We only reveal personal data to third parties if we are required to do so by law or regulatory requirements. We observe the legal provisions governing data protection.

Recorded access data

When accessing the Helvetia websites specific cookies (you will find an explanation of the term "cookies" at or web bugs are used in order to obtain data on the use of this website. For data protection purposes the following access data can be saved in a log file:

  • Internet protocol address (IP address)
  • User name (user ID)
  • Date and time of hit
  • Name of the file accessed (URI visited)
  • Access status (e.g. OK, partial contents, document not found)
  • Page from which access was made (top-level domain such as ∗.ch, ∗.fr, ∗.com)
  • Web browser used
  • Operating system used
  • Data entered by user
  • Transaction data

These data are protected from unauthorised access and are not made known to third parties if we are required to do so by law or regulatory requirements. A person-related evaluation is not carried out. Helvetia evaluates data on an anonymised basis only and exclusively for statistical purposes; for example, to find out how many hits are made on particular days. Helvetia does not process any personal data via its websites, apart from data the user has deliberately forwarded.


Helvetia uses cookies to offer you the best possible service and to be able to provide information and quotations. By using our website you are stating your agreement with this. If you wish to block cookies entirely, you can do so using the relevant settings in your browser. However, we are not able to guarantee the correct functioning of our internet offering where cookies are blocked entirely.

Protection and use of your personal data

In the case of electronic contact or communication, your data are basically transmitted via an open network that can be publicly accessed (Exceptions: See Usage information / System requirements). In certain circumstances your data may also be transmitted across borders, even if the sender and recipient are in the same country. Although the individual data packages are encrypted when they are transmitted, the sender and recipient remain uncoded. Therefore it is possible that data sent in such a way can be seen by third parties and a link to us can be established. Therefore we are unable to accept any liability or responsibility in this respect.

Discretion when communicating by e-mail is not guaranteed for system reasons. Therefore we do not accept any orders for business procedures or transactions (e.g. contract conclusions) via this medium.

In order to guarantee the security and confidentiality of personal data given to us online within Helvetia, we use data networks that are equipped with standard firewalls and password protection. Access to personal data is reserved for those employees in Helvetia who need to use it and who have been trained in dealing with sensitive data. Although we cannot guarantee that the data will not be accessed by the wrong recipients, will not get lost, or will not be used incorrectly or altered, we do everything in our power to avoid such malfunctions. However, since the world wide web is a publicly accessed system, Helvetia is unable to accept any liability or offer any guarantees with regard to malfunctions.

In every case we take appropriate measures to ensure that personal data is not made available to third parties. This excludes partners who are mandated to provide services for us. We ensure that our partners have data protection provisions equivalent to our own.

Helvetia gathers, stores and processes personal data about its customers to the extent required for managing the customer relationship, providing its services, dealing with quotations and contracts, invoicing, answering questions and enquiries as well as evaluating, improving and developing new products and services. We process your personal data for marketing purposes such as customer satisfaction surveys, general customer communications and customized adaptation of Helvetia offers. In order to offer you customized, targeted advertising or offers that are tailored more closely to your needs, we set up customer segments and customer profiles. The use of data analysis processes enables us to compile statistical and analytical information. In this way we can link and analyse the data that is relevant for our marketing purposes.

You have the right to receive information in writing at any time and free of charge about the personal data we process. You can object at any time to receiving advertising or to your data being processed for marketing and advertising purposes. In these cases, data will not be obtained or processed for such purposes. We keep personal data only for as long as is necessary for the particular purpose and in compliance with any legal duties of confidentiality that apply.

Links to other pages

These data protection provisions apply exclusively to our websites and exclude the websites of third parties. We can enter links to other websites that we believe to be of interest. However, due to the nature of the world wide web it is not possible for us to guarantee the high standard of all the websites to which we provide links or to accept liability for pages for which we have no responsibility.


Helvetia reserves the right to amend its websites at any time and without prior notification.

Usage information / system requirements

In order to be able to use these pages fully and free of errors, please take note of our technical information which includes prerequisites and minimum requirements.

A. General


Our website requires a browser of the latest generation. Since newer browsers are fundamentally more stable and provide the correct presentation and functionality, we generally recommend the use of this browser generation (e.g. IE 11+/Edge, Chrome, Firefox and Safari, each in the latest version).


In some areas JavaScript and Java are used. In order to use all the functionalities please activate JavaScript and Java in your browser.

PDF files

The PDFs are saved in Adobe / Acrobat Reader format (free download).


Pop–ups are used in some areas. Deactivate the pop–up blocker or accept pop–ups in order to view them.

Quality limitations

If the above mentioned requirements are not met by your system in one or more points, we are no longer able to guarantee the correct presentation of the page. If, despite meeting the minimum requirements, you nonetheless have problems with our pages, please do not hesitate to inform our webmaster.

B. Special information for the individual applications

B.1 BVGonline

Encryption: BVGonline can only be operated with encryption (at least SSL 128). Browser settings: The use of cookies must be permitted for BVGonline (a security cookie is generated). The function "mailto" should also be available in the browser. Firewall: Only port 443 is permissible for BVGonline with "https" traffic.

B.2 Extranet/Portals

After login, users enter the secure area of Helvetia Insurance (https, with encryption). Additional data protection provisions in accordance with partner agreement.

For question please contact our webmaster.


(Helvetia Swiss Insurance Company Ltd, St. Gallen and Helvetia Swiss Life Insurance Company Ltd, Basel. All rights reserved).

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