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(15.02.2012; Copyright by Helvetia Insurances)


Helvetia Holding
P.O. Box
CH-9001 St.Gallen

Dufourstasse 40
CH-9001 St.Gallen

Phone +41 (0)58 280 5000
Fax +41 (0)58 280 5001                                        

For technical question please contact our webmaster.

Legal information

When you visit this website, you 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 either a recommendation or an offer in the legal sense or a solicitation to conclude any type of legal transaction.

Helvetia makes no guarantee (either express or implied) that the information and opinions published on its websites are correct, complete and up-to-date. In particular, Helvetia is not obliged to remove out–of–date information from its websites or to expressly identify said information as no longer relevant. The information on the websites does not constitute an aid to decision–making for business, legal, tax or other matters where advice is required.

Intellectual property rights and copyright

The entire 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 be downloaded only for non-commercial use. 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. Individual pages or parts thereof may be downloaded or printed out, provided that the copyright marks and other legally protected names or symbols are 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 (Webmaster) must always be obtained in advance before you create a link from a third–party website to a Helvetia website.

Further exclusions of liability

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

Under no circumstances shall Helvetia be 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 exclusion of liability also covers all failures of the internet of any kind whatsoever and misuse by third parties. In particular, Helvetia draws attention to the threats posed by viruses and hacking attempts.

Via links on our websites, you may access other websites that are linked to the Helvetia websites. Helvetia is not responsible for the content 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 intended for persons who are not permitted 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 or close its websites at any time and without prior notification.

Applicable law and legal venue

All legal relationships arising from access to the Helvetia websites are subject to Swiss law – insofar as 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 in question shall apply. In this case, the legal venue shall be the domicile of the company in question.

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Data protection provisions

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

Stored access data

When accessing the Helvetia websites, specific cookies (you can find an explanation of the term "cookies" at or web bugs may be 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 access
  • Name of the file accessed (URI visited)
  • Access status (e.g. OK, partial contents, document not found)
  • Page from which access was made (e.g. 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 only made known to third parties if required by law or regulatory requirements. No evaluation of data relating to a specific person is 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, unless such data have been intentionally forwarded to it by the user.

Protection and use of your personal data

In the case of electronic contact or communication, your data are generally 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 packets are encrypted when they are transmitted, source, destination  and URI itself remain  unencrypted. Therefore it is possible that data sent in such a way may be viewed by third parties, allowing conclusions to be drawn about the contact with us. Therefore, we are unable to accept any liability or responsibility in this respect.

Discretion when communicating by e-mail is not guaranteed for reasons inherent to the system. 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 within Helvetia of personal data collected online, we make use of secure data networks and IT infrastructure, among other things. Access to personal data is restricted to those Helvetia employees 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, get lost, or be used incorrectly or altered, we do everything in our power to avoid such incidents. However, since the World Wide Web is a publicly accessible network, Helvetia is unable to accept any liability or offer any guarantees in this regard.

In every case we take every appropriate measure to ensure that personal data  cannot be viewed by third parties. This excludes partners who are mandated to provide services to you on our behalf. We ensure that our partners have data protection provisions equivalent to our own.

We record the personal data transmitted to us for specific, limited purposes only. For example, personal data that has been recorded could be used to provide you with tailor-made products or services, to inform you of products and services that could be of interest to you, or simply for communication for other purposes. We  store personal data only for as long as is necessary for the particular purpose and in compliance with any  duties of confidentiality that apply by law.

Links to other pages

These data protection provisions apply only to our websites and exclude the websites of third parties. We may post links referring 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 in every respect 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 or close its websites at any time and without prior notification.

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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, including prerequisites and minimum requirements.

A. General


Full functionality is guaranteed with Internet Explorer 7.0, Mozilla Firefox 3.6 and Safari 5.0, or higher. For Mac users we recommend Safari or Mozilla Firefox.

Screen size

Your resolution should not be less than 1024 x 768 pixels.

Color depth

The color depth should be at least 32,000 colors (15 bit). This is standard for most notebooks.


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


In order to watch Flash files (mainly video files), you will need Flash Player, which can be linked as a browser plug–in. 98% of all desktops with internet access already have it.

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 that the page will display correctly. If, despite meeting the minimum requirements, you nonetheless have problems with the display of 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 open 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 technical questions, please contact our webmaster.

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

Your Swiss Insurer.

© 1998-2017 Helvetia Group ∙ Dufourstasse 40 ∙ CH-9001 St. Gallen ∙ +41 58 280 5000 Imprint and Legal information