Travel insurance

Helvetia offers the following four assistance modules for travel insurance, which can be individually combined:

• cancellation cost insurance
  
• personal assistance insurance
• motor vehicle assistance insurance
  
• assistance insurance for e-bikes/motorized bicycles

It covers cancellation costs for trips that have not been started or that are delayed. The cost of unused admission tickets is also reimbursed.

The insurance provides cover in the event of:

• Illness, accident or death (including close relatives)
• Loss of job (including travel companion)
• Delay/failure of public transport or breakdown of a vehicle or taxi used by the insured person
• Events such as epidemics, fires, natural forces, tsunamis, earthquakes, strikes, etc. en route to and at your destination, or burglary of holiday accommodation.
• Events such as fire, water, natural forces or burglary at home
• Theft of travel documents
• Grounding, strike or bankruptcy of your airline or tour operator
  

Personal assistance insurance covers the cost of transportation to the nearest hospital, search, rescue and recovery costs and the cost of returning home. If you need to extend your stay, the cost of accommodation and meals will be reimbursed (including for your travelling companion). Helvetia will reimburse you for the cost of the unused part of your stay.

The insurance provides cover in the event of:

• Illness, accident or death (including close relatives)
• Absence of a colleague deputizing for you at your workplace if the absence means that you need to return immediately
• Damage to your home in Switzerland if this results in you having to cut short your holiday
• Damage to or theft of property or documents taken with you
• Natural forces at holiday destination
• Grounding, strike or bankruptcy of your airline or tour operator
  

Motor vehicle assistance insurance covers costs incurred as a result of the breakdown of a motor vehicle in Switzerland or elsewhere in Europe. Damage to rented vehicles amounting to up to CHF 5,000 is also covered. This means there is no need to take out any expensive supplementary insurance when renting a vehicle.

The insurance covers:

• Cost of breakdown assistance, recovery and towing of vehicle and occupants
• Cost of returning the unroadworthy vehicle
• Repair costs in the event of damage to a hire car
• Cost of a hire car
• Other costs such as incidental costs for the return journey by public transport

The insurance covers the costs incurred if your e-bike or motorcycle breaks down.

The insurance covers:

• Cost of breakdown assistance and recovery and towing of the vehicle
• Cost of storage of the e-bike/motorcycle
• Cost of returning the vehicle, transport costs and incidentals
• Cost of a replacement vehicle
  

Cancellation costs assistance and personal assistance insurance apply in Switzerland and worldwide. Motor vehicle assistance and assistance for electric/motor vehicles apply in Switzerland and in Europe.

Yes, they are. If you are unable to attend an event, a course or a seminar because of a serious illness or an accident and cancellation is not possible, Helvetia will cover the cost of the unused part of your ticket/fee. This also applies to permanent or seasonal subscriptions which cannot be used later.

24/7 assistance: Helvetia provides you with round-the-clock assistance 365 days a year.

48h claims payment: Helvetia guarantees claims payment within 48h following a successful claims review.

Helvetia offers a comprehensive range of services. The full package can be booked online for just CHF 14. However, it is also possible to add selected services only. When combined with household contents insurance, private liability and legal protection insurance, the services apply to all products and only need to be taken out once.

Waiver of premiums: In the event of earning disability, you will benefit from a waiver of insurance premiums until the agreed end of the contract. However, you will continue to benefit from insurance cover.

Waiver of gross negligence: Helvetia waives its right to a reduction in benefits in the event of grossly negligent conduct.

Home Assistance: Helvetia will assume the task of providing a trade service, organizing construction management, removing wasps', hornets' and bees' nests, taking immediate measures in the event of a technical defect and organizing a security guard service.

Locksmith service: If you unexpectedly find yourself unable to gain access to your home, Helvetia will organize a tradesperson to provide access.

Card blocking service: At your request, Helvetia can block lost credit and debit cards as well as SIM cards.

Legal advice: Legal advice for all legal disputes is provided by the independent legal service of Coop Rechtsschutz.

Psychological follow-up support: Helvetia will pay for the cost of psychological support provided by a qualified doctor, psychologist or psychiatrist after an insured event.